Information We Collect

When you use our budget literacy services, we collect information that helps us provide better financial education and support. This includes personal details you provide directly and information gathered through your interaction with our platform.

• Personal Information: Name, email address, phone number, postal address when you register for courses or contact us
• Financial Education Data: Progress tracking, course completion status, quiz results, and learning preferences
• Usage Information: How you navigate our website, which resources you access, and time spent on different sections
• Device Information: Browser type, operating system, IP address, and general location data
• Communication Records: Emails, chat messages, and phone call records when you contact our support team

How We Use Your Information

We use your information solely to enhance your financial education experience and provide relevant support. Our focus remains on helping you build better budgeting skills through personalized learning approaches.

Educational Services: Customizing learning paths, tracking progress, sending course updates, and providing targeted financial literacy resources based on your interests and learning style.

Communication: Responding to inquiries, sending important updates about our services, and sharing relevant budgeting tips and educational content that matches your learning journey.

Service Improvement: Analyzing usage patterns to enhance our educational content, identifying popular resources, and developing new tools that better serve our community's needs.

Information Sharing and Disclosure

We don't sell your personal information to third parties. However, we may share certain information in specific circumstances to provide better service or comply with legal requirements.

• Service Providers: Trusted partners who help us deliver educational content, process payments, or provide technical support under strict confidentiality agreements
• Legal Compliance: When required by Australian law, court orders, or to protect our rights and the safety of our users
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred to the new entity
• Aggregated Data: We may share anonymized, statistical information about user behavior that cannot identify individual users

Your Rights and Choices

Under Australian privacy legislation, you have several rights regarding your personal information. We're committed to honoring these rights and making it easy for you to control your data.

Access and Correction: You can request access to your personal information and ask us to correct any inaccuracies. Simply contact us using the details below, and we'll respond within 30 days.

Data Portability: You can request a copy of your data in a structured, commonly used format. This includes your learning progress, course history, and any content you've created within our platform.

Deletion Rights: You can request deletion of your personal information, subject to legal requirements. We'll retain some information if required by law or for legitimate business purposes.

Marketing Communications: You can opt out of promotional emails at any time using the unsubscribe link or by contacting us directly. Essential service communications may still be sent.

Data Security and Protection

We implement multiple layers of security to protect your information from unauthorized access, alteration, or destruction. Our security measures include both technical and administrative safeguards.

Technical Safeguards: SSL encryption for data transmission, secure servers with regular security updates, access controls, and regular security audits to identify potential vulnerabilities.

Administrative Measures: Staff training on privacy practices, limited access to personal information on a need-to-know basis, and regular review of our data handling procedures.

Data Breach Protocol: In the unlikely event of a data breach, we will notify affected users and relevant authorities within the timeframes required by Australian law.

Cookies and Tracking Technologies

We use cookies and similar technologies to improve your browsing experience and understand how our website is used. These help us remember your preferences and provide personalized content.

• Essential Cookies: Required for basic website functionality, login sessions, and security features
• Analytics Cookies: Help us understand website usage patterns and identify areas for improvement
• Preference Cookies: Remember your settings and preferences for a better user experience
• Third-Party Cookies: May be used by educational content providers or analytics services with your consent

You can control cookie settings through your browser preferences, though disabling certain cookies may affect website functionality.

Data Retention

We retain your personal information only as long as necessary to provide our services and comply with legal obligations. Different types of information have different retention periods based on their purpose.

Account Information: Retained while your account is active and for up to 7 years after closure for legal compliance purposes.

Learning Data: Course progress and educational records kept for 5 years to support ongoing learning and certification requirements.

Communication Records: Support conversations and correspondence maintained for 3 years for service quality and dispute resolution purposes.

International Data Transfers

Your information is primarily stored and processed within Australia. However, some of our service providers may be located overseas, including in countries that may not have the same level of data protection as Australia.

When we transfer data internationally, we ensure appropriate safeguards are in place, including contractual protections and verification that the recipient country has adequate privacy laws or that our service providers meet strict security standards.

Children's Privacy

Our services are designed for adults seeking financial literacy education. We do not knowingly collect personal information from children under 13 years of age. If you believe a child has provided us with personal information, please contact us immediately so we can remove such information.

For teenagers aged 13-17 who may access our educational resources, we recommend parental supervision and involvement in their financial education journey.

Changes to This Policy

We may update this privacy policy from time to time to reflect changes in our practices, technology, or legal requirements. We will notify users of significant changes through email or prominent notices on our website.

We encourage you to review this policy periodically to stay informed about how we protect your information. Your continued use of our services after changes are made constitutes acceptance of the updated policy.