What Information We Collect

We only collect information that helps us provide better financial education and services. Nothing more, nothing less.

How We Use Your Information

Your data serves specific purposes. We're transparent about each one.

• Delivering the educational programs and consultations you've signed up for
• Responding to your questions and providing ongoing support
• Sending updates about program schedules, new resources, and relevant financial education content
• Improving our courses based on how students engage with materials
• Meeting our legal obligations under Australian financial services regulations
• Protecting against fraud and maintaining the security of our systems

Marketing Communications

If you've opted in, we'll send occasional emails about new programs starting in late 2025 or early 2026. You can unsubscribe anytime. One click, and we'll stop. Simple.

How We Protect Your Data

Security isn't just a checkbox for us. We've built multiple layers of protection into everything we do.

1. All data transfers use industry-standard encryption (TLS 1.3) to prevent interception
2. Our systems sit behind firewalls and undergo regular security audits by independent third parties
3. Staff access is restricted based on role, and everyone signs confidentiality agreements
4. We backup data daily to secure Australian servers, with disaster recovery protocols tested quarterly
5. Regular security training keeps our team updated on emerging threats and best practices

But let's be honest. No system is 100% foolproof. While we do everything reasonably possible to protect your information, we can't guarantee absolute security. That's why we also focus on minimizing what we collect in the first place.

Sharing Your Information

We don't sell your data. Period. But we do work with a few trusted partners who help us deliver our services.

All partners are bound by contracts requiring them to meet Australian privacy standards. We vet them carefully before sharing anything.

Legal Disclosures

Sometimes we're legally required to share information with government agencies or law enforcement. This happens rarely, but when it does, we comply with valid legal requests while protecting your rights to the extent possible under Australian law.

Your Rights Under Australian Law

The Australian Privacy Principles give you significant control over your personal information. Here's what that means in practice.

How Long We Keep Your Data

We don't keep information longer than necessary. But "necessary" depends on the type of data and why we collected it.

Active Students

While you're enrolled in our programs, we keep everything needed to deliver education and support. Course materials, progress records, communication history.

After Program Completion

We keep educational records for seven years to comply with Australian financial services regulations. After that, we securely delete them unless you've specifically asked us to retain access to materials.

Marketing Data

If you've subscribed to updates but haven't engaged with our emails in three years, we'll remove you from the list. We'll send a reminder before we do.

Financial Records

Payment records stick around for seven years as required by Australian tax law. Then they're gone.

Cookies and Website Tracking

Our website uses cookies. Most sites do. But we're selective about what we track and why.

Essential Cookies

These keep the site working. They remember if you're logged in, maintain your session, and help with security. You can't opt out of these because the site won't function properly without them.

Analytics Cookies

These help us understand which educational resources are most valuable. We see things like popular topics and where people get stuck in course materials. The data is anonymized, so we don't track individuals.

Your Control

Your browser settings let you block or delete cookies. Just know that some site features might not work as smoothly if you do.

International Data Transfers

Your information stays in Australia whenever possible. Our primary servers are located in Sydney, with backup systems in Melbourne.

Occasionally, service providers we work with operate outside Australia. When this happens, we ensure they meet privacy standards equivalent to Australian requirements through contractual agreements and approved certification schemes.

For example, our email service provider has servers in both Australia and the United States, but they're certified under recognized international privacy frameworks that align with Australian standards.

Changes to This Policy

Privacy laws evolve. Our practices improve. When we update this policy, we'll post the new version here with a revised date at the top.

For minor changes like clarifying wording or adding examples, we'll just update the page. For significant changes that affect how we use your data, we'll email you directly before the changes take effect.

We recommend checking back every few months, especially if you're an active student or regular visitor.

Children's Privacy

Our programs are designed for adults. We don't knowingly collect information from anyone under 18 without parental consent.

If a parent or guardian believes we've inadvertently collected data from a minor, contact us immediately and we'll delete it.