Information We Collect

We collect information that helps us provide better financial education and tools. This happens in several ways, and we want you to understand exactly what we gather and why.

How We Use Your Information

Your data helps us create a better learning experience and provide relevant financial education. Here's specifically how we use what we collect:

We personalise your learning journey based on your progress and interests. If you're struggling with budgeting concepts, we might suggest additional resources or modify the difficulty level of upcoming modules. When you excel in certain areas, we can fast-track you to more advanced topics.

Communication is another key use - we send you course updates, new tool announcements, and educational content that matches your interests. You can control these communications through your account settings or by contacting us directly.

We also use aggregated, anonymised data to improve our platform. This means we look at overall usage patterns to identify which features are most helpful or where students commonly get stuck, but this analysis never identifies individual users.

Data Storage and Security

We take data protection seriously and implement multiple layers of security to keep your information safe. Our approach combines technical safeguards with strict access controls.

All data is encrypted both in transit and at rest using industry-standard AES-256 encryption. Our servers are hosted in secure Australian data centres that meet strict compliance requirements including ISO 27001 certification.

Access to personal data is limited to authorised staff members who need it to provide support or improve our services. All team members undergo privacy training and sign confidentiality agreements.

We regularly conduct security audits and penetration testing to identify and address potential vulnerabilities. Our systems are monitored 24/7 for suspicious activity, and we maintain incident response procedures in case of any security events.

Your Privacy Rights

Under Australian privacy laws, you have several important rights regarding your personal information. We've made it straightforward to exercise these rights through your account settings or by contacting us directly.

Data Sharing and Third Parties

We believe in being transparent about when and why we share your information. In general, we keep your data within our organisation, but there are specific situations where sharing is necessary or beneficial.

We work with trusted service providers who help us operate our platform - things like cloud hosting, email delivery, and analytics tools. These providers are carefully vetted and bound by strict data processing agreements that limit how they can use your information.

We may share aggregated, anonymised data with educational researchers or financial literacy organisations to support broader research into financial education effectiveness. This data cannot be traced back to individual users.

Legal requirements may occasionally require us to share information with government authorities or law enforcement, but only when compelled by valid legal process and to the minimum extent necessary.

Cookies and Tracking

Our website uses cookies and similar technologies to enhance your experience and understand how our platform is used. We want you to understand what these are and how you can control them.

Essential cookies keep our platform working properly - they remember your login status, save your progress through courses, and maintain your preferences. These cookies are necessary for the site to function and cannot be disabled.

Analytics cookies help us understand which features are most useful and where users encounter difficulties. This information guides our development priorities and helps us create better learning experiences.

You can control non-essential cookies through your browser settings or our cookie preference centre. Disabling certain cookies may limit some platform features, but core functionality will remain available.

Data Retention

We keep your information only as long as necessary to provide our services and meet legal obligations. Different types of data have different retention periods based on their purpose and regulatory requirements.

Account information and learning progress are retained while your account is active and for two years after account closure. This allows you to reactivate your account and resume your progress if you return to our platform.

Communication records and support interactions are kept for three years to help us improve our service and resolve any ongoing issues. Marketing preferences are maintained until you unsubscribe or close your account.

Some information may be retained longer where required by law, such as records needed for tax purposes or regulatory compliance. We regularly review our retention practices to ensure we're not keeping data longer than necessary.

Updates to This Policy

Privacy laws and our services evolve over time, so we may need to update this policy occasionally. When we make changes, we'll be transparent about what's different and why.

Significant changes will be communicated through email and prominent notices on our platform at least 30 days before they take effect. Minor clarifications or administrative updates may be implemented with shorter notice periods.

We encourage you to review this policy periodically to stay informed about how we protect your information. The "last updated" date at the top shows when the most recent changes were made.