Privacy Policy

1. Information We Collect

Personal Details You Provide

When you enquire about our finance education programmes or register for courses, we collect information you voluntarily share with us:

• Name and contact details (email, phone number, postal address)
• Educational background and professional experience
• Financial literacy level and learning goals
• Payment information for course enrolment
• Communication preferences and feedback

Information Collected Automatically

Our website collects technical data to improve your experience and troubleshoot issues. This includes IP addresses, browser types, device information, and pages visited. We use cookies for functionality — not aggressive tracking.

2. How We Use Your Information

We use collected information for specific purposes directly related to providing business education services:

• Course delivery: Managing enrolments, providing learning materials, tracking progress, and issuing certificates
• Communication: Sending course updates, educational resources, and responding to enquiries
• Payment processing: Handling fees through secure Australian payment processors
• Service improvement: Analysing how students interact with our content to enhance educational quality
• Legal compliance: Meeting obligations under Australian educational standards and tax laws

3. Data Sharing and Third Parties

Running an educational institution requires working with service providers. Here's who might access your information and why:

Essential Service Providers

• Payment processors: Australian banks and payment gateways to handle course fees securely
• Learning platforms: Cloud-based systems that host course materials and track progress
• Email services: Communication tools for course updates and educational content delivery
• IT infrastructure: Australian-based hosting providers for website and data storage

Legal Requirements

We may disclose information if required by Australian law, court orders, or government authorities. This includes compliance with taxation laws, educational regulations, or legitimate law enforcement requests.

All third-party providers are bound by contracts requiring appropriate data protection measures consistent with Australian privacy standards.

4. Your Privacy Rights

Under Australian privacy law, you have specific rights regarding your personal information. Here's what you can do and how to exercise these rights:

Access Your Information

Request a copy of personal data we hold about you. We'll provide this within 30 days, free of charge for reasonable requests. If your request is particularly complex or requires significant resources, we might charge a modest administrative fee.

Correction and Updates

Found an error? Tell us, and we'll fix it promptly. This matters especially for academic records or contact details. You can update basic information through your student account portal or contact us directly for changes to formal records.

Data Portability

Request your data in a structured, commonly used format. Useful if you're transferring to another educational provider. We'll provide academic transcripts, enrolment history, and course progress data in portable formats.

Deletion Requests

Ask us to delete your information, though there are limits here. Australian law requires us to retain certain educational and financial records for specific periods — typically seven years for financial data and permanently for academic credentials. We can't delete records we're legally obligated to keep, but we can restrict how we use them.

5. Data Security Measures

We take reasonable steps to protect your information from misuse, interference, loss, and unauthorised access. Our security approach includes:

• Encrypted connections (SSL/TLS) for all data transmission
• Secure Australian data centres with physical access controls
• Regular security audits and vulnerability assessments
• Staff training on privacy obligations and data handling procedures
• Access restrictions — employees only see data necessary for their roles
• Regular backups stored in secure, geographically separate locations

No system is completely secure. If a data breach occurs that's likely to result in serious harm, we'll notify affected individuals and the Office of the Australian Information Commissioner as required by law.

6. International Data Transfers

We primarily store data in Australia. However, some service providers operate internationally, which might involve transferring data outside Australia. When this happens:

• We ensure providers have adequate data protection measures comparable to Australian standards
• We use contractual protections requiring appropriate security and privacy safeguards
• We prefer providers with Australian operations or data centres when practical
• We'll inform you if specific courses or services involve international data processing

Examples include cloud-based learning platforms with global infrastructure or communication tools hosted in multiple jurisdictions. We assess these providers carefully before engagement.

7. Cookies and Tracking Technologies

Our website uses cookies — small text files stored on your device. Here's what we use and why:

Essential Cookies

Necessary for website functionality. These enable basic features like secure login, course access, and navigation. You can't opt out of these without losing essential functionality.

Analytics Cookies

Help us understand how visitors use our site. We collect aggregated, anonymised data about page visits, time spent on site, and navigation patterns. This informs improvements to course delivery and website usability.

Preference Cookies

Remember your settings and choices to personalise your experience — things like display preferences or language settings.

You can control cookies through your browser settings. Blocking all cookies might limit website functionality, particularly for student portals and course materials.

8. Children's Privacy

Our business education services target adults. We don't knowingly collect information from individuals under 18 without parental consent. If someone under 18 wishes to enrol, we require guardian authorisation and involve parents in the enrolment process.

If we discover we've inadvertently collected data from a minor without appropriate consent, we'll delete it promptly or obtain proper parental authorisation.

9. Marketing Communications

We send educational content and course information to enrolled students and interested prospects. This includes:

• Course updates and new programme announcements
• Educational resources and business finance insights
• Event invitations and networking opportunities
• Occasional surveys to improve our services

You can unsubscribe anytime through the link in every email or by contacting us directly. Unsubscribing from marketing won't stop essential communications about courses you're enrolled in — those are necessary for service delivery.

10. Data Retention

We keep your information only as long as necessary for the purposes collected or as required by law. Specific retention periods:

• Academic records: Retained permanently to verify qualifications and support alumni
• Financial records: Seven years from transaction date (Australian tax law requirement)
• Marketing data: Until you unsubscribe or request deletion
• Website analytics: Maximum 26 months, then aggregated anonymously
• General enquiries: Two years after last contact, unless you request earlier deletion

When data reaches the end of its retention period, we securely delete or anonymise it. Some information may be retained longer if required for legal disputes or regulatory investigations.

11. Changes to This Policy

We review and update this policy periodically to reflect changes in our practices, technology, or legal requirements. When we make significant changes, we'll notify enrolled students via email and post the updated policy on our website.

The "Last Updated" date at the top shows when the current version took effect. Continued use of our services after changes indicates acceptance of the updated policy.

12. Complaints and Concerns

If you're concerned about how we've handled your personal information, contact us first. We'll investigate and respond within 30 days. Most issues can be resolved through direct communication.

If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC). They're the independent authority overseeing privacy compliance in Australia.