Privacy Policy

1. Information We Collect

1.1 Personal Information

We may collect the following types of personal information:

• Contact Information: Name, email address, phone number, mailing address
• Demographic Information: Age, gender, occupation, income range (where relevant)
• Financial Information: Investment experience, financial goals, risk tolerance (for educational purposes)
• Account Information: Username, password, preferences, and settings
• Communication Records: Correspondence, feedback, and support requests
• Marketing Preferences: Newsletter subscriptions and communication preferences

1.2 Technical Information

We automatically collect certain technical information when you visit our website:

• Device Information: IP address, browser type, operating system, device identifiers
• Usage Data: Pages visited, time spent on pages, click-through rates, referral sources
• Cookies and Tracking: Information collected through cookies and similar technologies
• Location Data: General geographic location based on IP address

1.3 How We Collect Information

We collect information through:

• Direct collection when you provide information to us
• Website interactions and forms
• Email communications and newsletters
• Phone calls and customer service interactions
• Cookies and tracking technologies
• Third-party services and integrations

2. How We Use Your Information

We use your personal information for the following purposes:

2.1 Primary Purposes

• Service Delivery: Provide investment education services, courses, and content
• Account Management: Create and manage your account, process registrations
• Communication: Respond to inquiries, provide customer support
• Content Personalization: Tailor educational content to your interests and needs
• Transaction Processing: Process payments and manage billing

2.2 Secondary Purposes

• Marketing: Send newsletters, promotional materials, and educational content
• Research and Development: Improve our services and develop new offerings
• Analytics: Analyze website usage and user behavior
• Legal Compliance: Meet legal and regulatory obligations
• Security: Protect against fraud, unauthorized access, and security threats

3. Information Sharing and Disclosure

3.1 We may share your information with:

• Service Providers: Third-party vendors who assist with our operations (payment processors, email service providers, hosting services)
• Professional Advisors: Lawyers, accountants, and other professional service providers
• Legal Authorities: When required by law, court order, or regulatory request
• Business Transfers: In connection with mergers, acquisitions, or asset sales
• Consent: With your explicit consent for specific purposes

3.2 We do not:

• Sell your personal information to third parties
• Share your information for marketing purposes without your consent
• Disclose sensitive financial information except as required by law

4. Cookies and Tracking Technologies

4.1 Types of Cookies We Use

• Essential Cookies: Necessary for website functionality and security
• Performance Cookies: Help us analyze website usage and improve performance
• Functional Cookies: Remember your preferences and personalize your experience
• Marketing Cookies: Used for targeted advertising and remarketing (with your consent)

4.2 Cookie Management

You can manage your cookie preferences through:

• Our cookie consent banner when you first visit our website
• Your browser settings to block or delete cookies
• Opting out of third-party tracking services

5. Data Security

We implement appropriate technical and organizational measures to protect your personal information:

5.1 Security Measures

• Encryption of data in transit and at rest
• Secure hosting and data storage solutions
• Regular security assessments and updates
• Access controls and user authentication
• Employee training on data protection
• Incident response procedures

5.2 Data Breach Notification

In the event of a data breach that may cause serious harm, we will:

• Notify the Australian Privacy Commissioner within 72 hours
• Notify affected individuals without unreasonable delay
• Take immediate steps to contain and remediate the breach

6. Data Retention

We retain your personal information for as long as necessary to:

• Provide our services and fulfill our contractual obligations
• Comply with legal and regulatory requirements
• Resolve disputes and enforce our agreements
• Meet legitimate business interests

6.1 Retention Periods

• Account Information: While your account is active and for 7 years after closure
• Transaction Records: 7 years from the date of transaction
• Marketing Data: Until you unsubscribe or withdraw consent
• Website Analytics: 26 months from collection

7. Your Rights

Under Australian privacy law, you have the following rights:

7.1 Access and Correction

• Access: Request a copy of your personal information we hold
• Correction: Request correction of inaccurate or incomplete information
• Update: Update your personal information through your account settings

7.2 Marketing and Communications

• Unsubscribe: Opt out of marketing communications at any time
• Preferences: Update your communication preferences
• Consent Withdrawal: Withdraw consent for specific processing activities

7.3 Complaints

If you believe we have breached your privacy, you can:

• Contact us directly to resolve the issue
• Lodge a complaint with the Australian Privacy Commissioner
• Seek legal advice or other remedies

8. Third-Party Services

Our website may contain links to third-party services and websites. This privacy policy does not apply to:

• Third-party websites and services
• Social media platforms
• External payment processors
• Analytics and advertising services

We encourage you to review the privacy policies of any third-party services you use.

9. International Data Transfers

Some of our service providers may be located outside Australia. When we transfer your personal information overseas, we ensure:

• Adequate data protection measures are in place
• Compliance with Australian Privacy Principles
• Appropriate contractual protections
• Your consent where required

9.1 Countries We May Transfer Data To

• United States (cloud hosting and email services)
• European Union (analytics and support services)
• Other countries with adequate privacy protections

10. Children's Privacy

Our services are intended for adults aged 18 and over. We do not knowingly collect personal information from children under 18. If we become aware that we have collected information from a child, we will:

• Delete the information immediately
• Not use the information for any purpose
• Notify parents or guardians where appropriate

11. Changes to This Policy

We may update this privacy policy from time to time to reflect:

• Changes in our business practices
• Legal and regulatory updates
• New technologies and services
• Feedback from users and stakeholders

We will notify you of material changes by:

• Updating the "last updated" date on this policy
• Sending email notifications to registered users
• Posting notices on our website
• Requesting renewed consent where required

12. Contact Information

If you have questions, concerns, or requests regarding this privacy policy or our data practices, please contact us:

Australian Privacy Commissioner

If you are not satisfied with our response to your privacy complaint, you can contact the Australian Privacy Commissioner:

Website: www.oaic.gov.au
Phone: 1300 363 992
Email: [email protected]

13. Definitions

• Personal Information: Information about an identifiable individual as defined under the Privacy Act 1988
• Sensitive Information: Information about health, race, political opinions, criminal records, and other specified categories
• Use: Any handling of personal information including collection, recording, organization, storage, adaptation, disclosure, or deletion
• Third Party: Any individual or organization other than you or ImBigeuony