Privacy Policy

Information We Collect

We collect information that you provide directly to us, such as when you create an account, enroll in our financial discipline programs, or contact our support team. This includes your name, email address, phone number, and payment information when you subscribe to our services.

We also collect information automatically through cookies and similar technologies. This helps us understand how you use our platform and improve your experience. You can control cookie settings through your browser preferences.

How We Use Your Information

Your information helps us provide personalized financial discipline coaching and improve our services. We use your data to deliver the educational content you've requested, send you relevant updates about your progress, and provide customer support when needed.

We analyze usage patterns to understand which features are most helpful and where we can make improvements. This analysis helps us develop better tools for managing personal finances and building healthy money habits.

Your Rights and Choices

Under Australian privacy law, you have several important rights regarding your personal information. We've made it easy to exercise these rights through your account settings or by contacting our privacy team.

Data Security and Storage

We protect your information using industry-standard security measures including encryption, secure servers, and regular security audits. All sensitive data is encrypted both in transit and at rest using AES-256 encryption.

Your data is stored on secure servers located in Australia, ensuring compliance with local data protection requirements. We maintain multiple backups and have disaster recovery procedures in place to protect against data loss.

We retain your information for as long as your account is active or as needed to provide services. After account deletion, most personal data is removed within 90 days, though some records may be kept longer for legal compliance, fraud prevention, or legitimate business purposes.

Third-Party Services

We work with trusted partners to provide certain services, such as payment processing, email delivery, and analytics. These partners are carefully selected and must agree to protect your information according to our standards.

International Data Transfers

While we primarily store data within Australia, some of our service providers may process information internationally. When this occurs, we ensure appropriate safeguards are in place through standard contractual clauses and adequacy decisions.

Any international transfers comply with Australian Privacy Principles and include contractual protections to maintain the same level of data protection you would expect domestically.

Changes to This Policy

We may update this privacy policy periodically to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you through email or a prominent notice on our platform at least 30 days before the changes take effect.

We encourage you to review this policy regularly to stay informed about how we protect your information. The effective date at the top indicates when the policy was last updated.

Complaints and Disputes

If you have concerns about how we handle your personal information, please contact our privacy officer first. We're committed to resolving privacy issues promptly and fairly.

If you're not satisfied with our response, you have the right to lodge a complaint with the Office of the Australian Information Commissioner (OAIC). They can be reached at www.oaic.gov.au or by calling 1300 363 992.