Privacy Policy

Information We Collect

Running a budget negotiation service means we need certain details from you. Here's what we collect and why it matters.

Personal Details You Provide

When you sign up or contact us, we collect your name, email address, phone number, and postal address. These basics help us communicate with you and deliver our services. If you're enrolling in our learning program, we'll also need some additional information about your current financial situation and learning goals.

Financial Information

For budget negotiation work, we need to see your current financial picture. This includes income details, existing expenses, and debt information. We don't collect your actual banking credentials or passwords. Ever. Instead, you provide documents and statements that help us understand your situation.

Technical Data

Our website collects standard technical information like your IP address, browser type, and how you navigate our site. This helps us fix problems and improve the user experience. We're not tracking you across the internet—just understanding how people use our specific site.

How We Use Your Information

Everything we collect serves a specific purpose. We're not in the business of hoarding data for no reason.

• Providing budget negotiation services and analyzing your financial situation to identify savings opportunities
• Communicating with you about your program progress, upcoming sessions, or important changes to your budget plan
• Improving our learning materials based on which topics students find most helpful or challenging
• Meeting our legal obligations under Australian financial services regulations
• Sending relevant educational content if you've opted in to receive it (you can opt out anytime)
• Protecting against fraud or misuse of our services

We don't sell your information to third parties. That's not our business model, and it never will be. The only time your data leaves our direct control is when legally required or when working with service providers who help us deliver our services.

Data Sharing and Third Parties

Sometimes we need help from other companies to run our services. When we share your information with these partners, they're bound by strict confidentiality agreements.

Service Providers We Work With

• Cloud storage providers who host our secure systems (AWS Sydney region)
• Email service providers for sending program updates and communications
• Payment processors for handling course fees and service payments
• Document management systems for secure file storage and sharing
• Analytics tools that help us understand website usage patterns

These providers can only use your data for the specific services they provide to us. They can't use it for their own marketing or any other purpose.

Legal Requirements

Under Australian law, we might need to share information with government agencies or law enforcement in specific circumstances. This includes compliance with the Australian Privacy Act 1988, tax obligations, or court orders. We'll only share what's legally required and will notify you when possible.

Your Privacy Rights

Australian privacy law gives you several rights over your personal information. Here's what you can do and how to do it.

Data Security Measures

Protecting your financial information is something we take seriously. Our security measures combine industry best practices with common sense.

Technical Safeguards

• All data transmitted to and from our systems uses TLS encryption
• Financial documents are stored in encrypted databases with restricted access
• Our systems undergo regular security audits and penetration testing
• Multi-factor authentication is required for all staff accessing client data
• Automatic session timeouts prevent unauthorized access to open accounts

Organizational Measures

Technology alone isn't enough. Our staff receives regular privacy training, and we maintain strict internal policies about who can access what information. Access is granted on a need-to-know basis only. We also conduct background checks on anyone with access to client financial information.

Despite our best efforts, no system is completely immune to security breaches. If we ever experience a data breach that affects your information, we'll notify you within 72 hours and explain what happened, what information was involved, and what steps we're taking.

Data Retention and Deletion

We don't keep your information forever. Different types of data have different retention periods based on practical needs and legal requirements.

Standard Retention Periods

Basic contact information stays on file for five years after your last interaction with us. This helps if you return for additional services or need to reference previous work. Financial documents and analysis reports are kept for seven years, which aligns with Australian Taxation Office requirements.

Learning program data—your progress, completed modules, assessment results—is retained for three years after program completion. This allows you to request transcripts or references during that period. After that, we keep only basic enrollment records showing you completed the program.

Secure Deletion Process

When it's time to delete your data, we don't just click delete and call it done. Our deletion process includes removing information from active databases, backup systems, and any archived copies. This takes about 90 days to complete thoroughly. Certain information kept for legal compliance might remain in secure archive systems but becomes inaccessible for normal business operations.

Cookies and Tracking

Our website uses cookies, but we're pretty minimal about it compared to most sites. Here's the breakdown of what we use and why.

Essential Cookies

These make the website work properly. They remember your login status, keep your session secure, and maintain your preferences during your visit. Without these, you'd have to log in on every page, which would be annoying for everyone.

Analytics Cookies

We use basic analytics to understand which pages people visit, how long they stay, and where they came from. This helps us figure out what content is helpful and what needs improvement. We don't use this information to track individuals or create detailed profiles.

You can disable cookies in your browser settings, though this might affect how some features work. We don't use advertising cookies or share cookie data with advertising networks.

Children's Privacy

Our services are designed for adults managing their own finances. We don't knowingly collect information from anyone under 18. If we discover we've inadvertently collected information from a minor, we'll delete it immediately. Parents or guardians who believe we've collected their child's information should contact us right away.

Changes to This Policy

Privacy regulations evolve, and so do our services. When we update this policy, we'll post the new version here with an updated date at the top. For significant changes that materially affect your rights, we'll send you an email notification at least 30 days before the changes take effect.

Continuing to use our services after changes take effect means you accept the updated policy. If you disagree with changes, you can request account closure and data deletion before they take effect.

International Data Transfers

We primarily store and process data within Australia using Sydney-based servers. Sometimes our service providers might process data in other countries with adequate privacy protections. When this happens, we ensure appropriate safeguards are in place through standard contractual clauses or other approved mechanisms.

Your information won't be transferred to countries without adequate privacy protections unless absolutely necessary for service delivery and with your explicit consent.