What Information We Collect

We collect different types of information depending on how you engage with our courses and services. Some you provide directly, and some we gather automatically as you use our website.

Personal Information You Provide

When you sign up for our courses or contact us, we ask for:

• Your full name and contact details (email, phone number)
• Residential address for course materials and certificates
• Date of birth to verify eligibility for certain programs
• Educational background and work experience for tailored course recommendations
• Payment information when enrolling in paid courses
• Learning preferences and goals to improve your experience

Information We Collect Automatically

Our website collects technical data to improve functionality and user experience:

• IP address and approximate location
• Browser type and device information
• Pages visited and time spent on each section
• Course progress and completion rates
• Links clicked and resources downloaded

How We Use Your Information

We don't collect data just for the sake of it. Everything we gather serves a specific purpose related to delivering quality financial education.

We'll occasionally send you updates about new courses or changes to existing programs. You can opt out of these communications anytime by clicking the unsubscribe link in any email or contacting us directly.

Who We Share Your Data With

We don't sell your personal information. Period. But we do work with trusted partners who help us deliver our services:

Service Providers

• Payment processors for secure transaction handling
• Email service providers for course communications
• Cloud hosting services for data storage
• Analytics tools to understand website performance

All these partners are bound by strict confidentiality agreements and can only use your data for the specific services they provide to us.

Legal Requirements

We may disclose your information if required by Australian law, court order, or to protect the rights and safety of jolperaxiven, our students, or others. This doesn't happen often, but we're legally obligated to comply when necessary.

Your Rights Under Australian Law

The Australian Privacy Principles give you several important rights regarding your personal information. Here's what you can do:

Access Your Information

You can request a copy of all personal data we hold about you. We'll provide this within 30 days of your request, free of charge in most cases. If your request is particularly complex or voluminous, we might charge a reasonable fee to cover administrative costs.

Correct Inaccurate Data

Found a mistake in your information? Let us know and we'll fix it promptly. This includes updating contact details, correcting educational background, or amending any other personal data that's wrong or outdated.

Delete Your Information

You can ask us to delete your personal data, though there are some exceptions. We need to keep certain records for legal and accounting purposes, typically for seven years after your last interaction with us. Active course enrollments also require us to maintain your data until completion or withdrawal.

Restrict Processing

You can ask us to limit how we use your data. For example, you might want us to stop sending marketing emails while still maintaining your course enrollment information.

Object to Processing

If you believe we're using your data inappropriately, you can object. We'll review your concerns and either explain our legitimate reasons for continuing or stop the processing.

How We Protect Your Information

Security isn't just a checkbox for us. We've implemented multiple layers of protection to keep your data safe:

• Encryption of data both in transit and at rest
• Regular security audits and vulnerability assessments
• Strict access controls limiting who can view personal information
• Secure payment processing through PCI-compliant providers
• Regular backups stored in secure, geographically separated locations
• Employee training on privacy and security best practices

Despite our best efforts, no system is completely impenetrable. If we experience a data breach that's likely to result in serious harm, we'll notify you and the Office of the Australian Information Commissioner as required by law.

Data Retention

We don't keep your information forever. Here's how long we typically retain different types of data:

• Course enrollment records: 7 years after completion (tax and legal requirements)
• Payment information: 7 years (accounting standards)
• Marketing communications data: Until you unsubscribe or request deletion
• Website analytics: 26 months maximum
• Support correspondence: 3 years after resolution

After these periods, we securely delete or anonymise your information so it can no longer identify you.

Cookies and Tracking

Our website uses cookies to function properly and improve your experience. We're upfront about what we use:

Essential Cookies

These keep the website working and remember your login status. You can't really disable these without breaking the site functionality.

Analytics Cookies

We use these to understand how people navigate our website and which courses generate the most interest. This helps us improve content and user experience.

Preference Cookies

These remember your settings and choices so you don't have to reset them each visit.

You can control cookies through your browser settings, though disabling certain types might limit website functionality.

Children's Privacy

Our courses are designed for adults aged 18 and over. We don't knowingly collect information from anyone under 18. If we discover we've accidentally collected data from a minor, we'll delete it immediately.

Changes to This Policy

We review and update this privacy policy regularly to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you by email and post a notice on our website.

The "Effective Date" at the top shows when this version came into effect. Previous versions are available on request if you want to see what's changed.

Making a Complaint

If you're unhappy with how we've handled your personal information, we want to hear about it. Contact our privacy officer using the details below, and we'll investigate your concern.

We take complaints seriously and will respond within 30 days. If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC).