When you interact with our financial education services, we collect various types of information to provide you with personalized learning experiences and customer support. This includes both information you directly provide and data we gather through your use of our services.

• Personal Identification: Name, email address, phone number, and postal address
• Financial Information: Income ranges, investment goals, and financial education preferences
• Learning Data: Course progress, assessment results, and educational preferences
• Technical Information: IP address, browser type, device information, and usage patterns
• Communication Records: Support conversations, feedback, and service interactions

We also collect information through cookies and similar technologies to enhance your browsing experience and understand how our services are used. You can control cookie preferences through your browser settings.

Your information helps us deliver relevant financial education content and improve our services. We use this data responsibly and only for legitimate business purposes that benefit your learning experience.

• Providing personalized financial education courses and recommendations
• Processing enrollment applications and managing your learning account
• Sending course updates, educational materials, and service communications
• Analyzing learning patterns to improve our educational content
• Ensuring platform security and preventing unauthorized access
• Complying with Australian financial services regulations and legal obligations

We never sell your personal information to third parties for marketing purposes. When we share data, it's only with trusted service providers who help us deliver our educational services under strict confidentiality agreements.

Under the Australian Privacy Principles (APPs) and Privacy Act 1988, you have specific rights regarding your personal information. We're committed to helping you exercise these rights easily and effectively.

To exercise any of these rights, contact our Privacy Officer using the details provided below. We'll respond to your request within 30 days and may need to verify your identity before processing certain requests.

We implement multiple layers of security to protect your personal information from unauthorized access, modification, or disclosure. Our security measures are regularly reviewed and updated to address emerging threats.

• Industry-standard encryption for data transmission and storage
• Regular security audits and vulnerability assessments
• Access controls limiting staff access to necessary information only
• Secure data centres with physical and environmental protections
• Employee training on privacy and security best practices
• Incident response procedures for potential security breaches

While we maintain robust security measures, no system is completely immune to risks. We encourage you to use strong passwords, keep your login credentials confidential, and promptly report any suspicious account activity.

We retain your personal information only as long as necessary to fulfill the purposes for which it was collected, comply with legal obligations, and resolve disputes. Different types of information have different retention periods based on their purpose and regulatory requirements.

• Learning Records: Maintained for 7 years after course completion for certification purposes
• Financial Information: Kept for 7 years as required by Australian financial services regulations
• Communication Records: Stored for 3 years for quality assurance and dispute resolution
• Marketing Data: Deleted within 2 years of your last interaction with our services
• Technical Logs: Automatically purged after 12 months unless required for security investigations

When retention periods expire, we securely delete or anonymize your information using industry-standard data destruction methods. You can request earlier deletion of certain information, though this may affect our ability to provide ongoing services.

We work with carefully selected service providers to deliver our educational programs and support services. These partnerships help us offer comprehensive financial education while maintaining strict privacy protections.

• Learning management system providers for course delivery and progress tracking
• Email service providers for educational content and service communications
• Payment processors for secure handling of enrollment fees and transactions
• Analytics services to understand learning patterns and improve our content
• Customer support platforms for efficient query resolution
• Cloud storage providers for secure data hosting and backup services

All third-party providers are bound by strict data protection agreements and must comply with Australian privacy laws. We regularly assess their security practices and limit data sharing to what's necessary for service delivery.

Some of our service providers operate outside Australia, which means your personal information may be processed or stored in other countries. When this happens, we ensure appropriate safeguards are in place to protect your privacy rights.

We only transfer data to countries with adequate privacy protections or use additional safeguards such as standard contractual clauses. Our primary international partners are located in New Zealand, the European Union, and the United States, all of which have established privacy frameworks.

Before any international transfer, we conduct privacy impact assessments to ensure your information receives equivalent protection to what's required under Australian law. You have the right to request details about any international transfers of your personal information.

We review and update this privacy policy annually or when significant changes occur to our services or privacy practices. When we make material changes that affect how we handle your personal information, we'll notify you through multiple channels.

You'll receive email notification at least 30 days before any significant policy changes take effect, giving you time to review the updates and understand how they might affect you. We also post updates on our website and may include notifications in your learning dashboard.

Continued use of our services after policy updates indicates your acceptance of the changes. If you disagree with any modifications, you can contact us to discuss your concerns or choose to discontinue using our services.