Information We Collect

We collect information you provide directly to us when you register for our financial education programs, request consultations, or interact with our budget surplus management services. This includes your name, email address, phone number, and financial goals.

Additionally, we automatically collect certain information when you visit our website, including your IP address, browser type, operating system, and pages viewed. This helps us understand how visitors interact with our content and improve the user experience.

How We Use Your Information

Your information helps us deliver personalized financial education experiences tailored to your specific budget management needs. We analyze your goals and preferences to recommend relevant courses and resources from our surplus management curriculum.

• Provide access to educational materials and course updates
• Send program notifications and important announcements
• Customize learning recommendations based on your interests
• Respond to your questions and support requests
• Analyze website performance and user engagement patterns
• Comply with legal obligations and regulatory requirements

Information Sharing and Disclosure

We don't sell your personal information to third parties. However, we may share your information in specific circumstances outlined below, always in accordance with Australian Privacy Principles.

Your Privacy Rights Under Australian Law

Under the Privacy Act 1988 and Australian Privacy Principles, you have specific rights regarding your personal information. We're committed to respecting these rights and making them easy to exercise.

Data Security and Protection

We implement comprehensive security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. Our approach includes both technical and organizational safeguards.

• End-to-end encryption for all data transmission
• Regular security audits and vulnerability assessments
• Access controls limiting staff access to necessary information only
• Automated backup systems with encryption at rest
• Incident response procedures for potential data breaches

Data Retention and Deletion

We retain your personal information only as long as necessary to fulfill the purposes outlined in this policy or as required by Australian law. Different types of information have different retention periods based on their purpose and legal requirements.

Account information and educational progress data are maintained for seven years after account closure to comply with financial services regulations. Marketing communications preferences are retained until you unsubscribe or delete your account.

When data reaches its retention limit, we securely delete it from our systems using industry-standard data destruction methods. You can request early deletion of your information by contacting our privacy team, subject to any legal obligations that require retention.

Cookies and Website Analytics

Our website uses cookies and similar technologies to enhance your browsing experience and understand how visitors interact with our content. These help us improve our educational resources and website functionality.

Essential cookies are necessary for basic website functions like maintaining your session and security. Analytics cookies help us understand which educational topics interest our visitors most, allowing us to create better content.

You can control cookie preferences through your browser settings. However, disabling certain cookies may limit some website features. We don't use cookies for advertising or share cookie data with third-party advertising networks.

Changes to This Policy

We may update this privacy policy periodically to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you via email and post the updated policy on our website with a new effective date.

We encourage you to review this policy regularly to stay informed about how we protect your information. Continued use of our services after policy updates constitutes acceptance of the revised terms.