Information We Collect

When you interact with our platform, we collect different types of information. Some you give us directly, and some we gather automatically as you use our services. Here's what we're talking about:

How We Use Cookies

Cookies help us remember your preferences and understand how you use our site. We use essential cookies for basic functionality, analytical cookies to improve our services, and preference cookies to remember your settings. You can control cookie preferences through your browser settings, though some features might not work as smoothly if you disable them.

How We Use Your Information

We're not in the business of selling your data or bombarding you with irrelevant messages. Everything we collect serves a specific purpose related to providing you with quality financial education.

Data Protection and Security

Security isn't something we take lightly. We use industry-standard encryption for data transmission and storage. Our systems are regularly updated and monitored for potential vulnerabilities.

That said, no online system is completely immune to security risks. We do everything reasonably possible to protect your information, but we can't guarantee absolute security. If we ever experience a data breach that affects your personal information, we'll notify you promptly in accordance with Australian privacy laws.

Access Controls

Only authorized team members can access personal data, and they're trained on privacy practices. We limit access based on job responsibilities and maintain audit logs of who accesses what information.

Your Rights Under Australian Law

The Australian Privacy Act gives you specific rights regarding your personal information. We're committed to honoring these rights and making them easy to exercise.

1. Access: You can request a copy of the personal information we hold about you. We'll provide this within 30 days of your request.
2. Correction: If any information we have is inaccurate or outdated, you can ask us to correct it. We'll update our records promptly.
3. Deletion: You can request deletion of your personal data, subject to certain legal and operational limitations. We'll explain if we need to retain specific information.
4. Complaint: If you're unhappy with how we've handled your information, you can lodge a complaint with us or directly with the Office of the Australian Information Commissioner.

Data Sharing and Third Parties

We don't sell your information to advertisers or marketing companies. However, running an educational platform means working with certain service providers who need access to some data.

All our third-party providers are carefully vetted and contractually required to protect your data. They can only use your information for the specific services they provide to us.

Data Retention

We keep your information for as long as your account is active or as needed to provide services. After that, retention periods depend on the type of data and legal requirements.

When we no longer need your data, we securely delete or anonymize it so it can't be traced back to you.

Children's Privacy

Our services are designed for adults managing their finances. We don't knowingly collect information from anyone under 18. If we discover we've inadvertently gathered data from a minor, we'll delete it immediately.

If you're a parent who believes your child has provided us with personal information, please contact us so we can address the situation.

International Data Transfers

While we're based in Australia and primarily serve Australian residents, some of our service providers operate servers in other countries. When your data is transferred internationally, we ensure those providers maintain privacy standards comparable to Australian requirements.

Any international transfers comply with Australian Privacy Principle 8, and we use appropriate safeguards like standard contractual clauses to protect your information.

Changes to This Policy

Privacy regulations change, and our services develop over time. We might need to update this policy occasionally to reflect those changes. When we make significant modifications, we'll notify you through email or a prominent notice on our website.

Minor updates might happen without notification, so it's worth checking back periodically. The date at the top of this document shows when we last revised the policy.