fisamtavierolo - Budget Essentials Learning | Financial Education Australia

Overview and Commitment

At fisamtavierolo, we take your privacy seriously. This policy explains how we collect, use, and protect your personal information when you use our budget essentials education platform. We're committed to transparency about our data practices and your rights under Australian privacy law.

This privacy policy applies to all interactions with our website, educational materials, and services. By using our platform, you're agreeing to the practices described here. We've written this policy in plain English because we believe you shouldn't need a law degree to understand how your data is handled.

Information We Collect

Personal Information

When you interact with our platform, we collect information that you provide directly to us. This includes your name, email address, phone number, and location when you sign up for our learning programs or contact us for support.

Contact details including name, email, and phone number
Educational background and experience level
Learning preferences and goals
Payment information for enrolled programs
Communication history and support requests

Usage Information

We automatically collect certain information about how you use our platform. This helps us improve our services and provide you with a better learning experience.

Data Type	Purpose	Retention Period
Browser and device information	Technical support and optimization	2 years
Pages visited and time spent	Content improvement and personalization	1 year
Learning progress and completion rates	Educational effectiveness and certification	7 years

How We Use Your Information

Your information helps us provide better educational services and support your learning journey. We don't sell your personal information to third parties, and we only use it for legitimate business purposes related to your education.

We use your data to personalize your learning experience, track your progress through our programs, and communicate important updates about your enrollment. This includes sending you course materials, progress reports, and program completion certificates.

Delivering educational content and tracking your progress
Processing enrollments and managing your account
Providing customer support and responding to inquiries
Improving our educational programs and website functionality
Sending program updates and educational newsletters (with your consent)
Complying with legal obligations and maintaining business records

Information Sharing and Disclosure

We share your information only when necessary to provide our services or when required by law. We work with trusted service providers who help us deliver our educational programs, and they're bound by strict confidentiality agreements.

Our payment processors handle financial transactions securely, and our email service providers help us send you course materials and updates. These partners only access the information they need to perform their specific services.

We never sell, rent, or trade your personal information to marketers or other third parties for their promotional purposes.

When We May Share Information

With service providers who help operate our platform and deliver services
When required by Australian law or valid legal process
To protect our rights, property, or safety, or that of our users
In connection with a business transaction like a merger or sale
With your explicit consent for specific purposes

Your Privacy Rights

Under Australian privacy law, you have several rights regarding your personal information. We respect these rights and have established processes to help you exercise them easily and effectively.

Access Your Information

You can request a copy of the personal information we hold about you. We'll provide this within 30 days of your request, in a format that's easy to understand.

Correct Your Information

If your personal information is incorrect or outdated, you can ask us to update it. You can also make many changes directly through your account settings.

Delete Your Information

You can request that we delete your personal information, subject to certain legal and business requirements. We'll explain any limitations when you make your request.

Restrict Processing

You can ask us to limit how we use your information in certain circumstances, such as while we're addressing concerns about its accuracy.

How to Exercise Your Rights

To exercise any of these rights, simply contact us using the details provided at the end of this policy. We'll verify your identity to protect your information and respond within the timeframes required by law.

You also have the right to complain to the Australian Privacy Commissioner if you're not satisfied with how we've handled your privacy concerns. We encourage you to contact us first so we can try to resolve any issues directly.

Data Security and Protection

We implement comprehensive security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. Our security practices are regularly reviewed and updated to address emerging threats.

Your data is stored on secure servers with encryption both in transit and at rest. We use industry-standard SSL certificates for all data transmission and employ multi-factor authentication for system access.

Encrypted data transmission using SSL/TLS protocols
Secure data centers with physical access controls
Regular security audits and vulnerability assessments
Employee training on data protection and privacy practices
Incident response procedures for any security breaches
Regular backups with secure offsite storage

While we implement strong security measures, no system is completely secure. We encourage you to use strong passwords and keep your login credentials confidential.

Data Retention and Deletion

We keep your personal information only as long as necessary to provide our services and comply with legal requirements. Different types of information have different retention periods based on their purpose and legal obligations.

Educational records and completion certificates are retained for seven years to support your ongoing career development and meet regulatory requirements. Marketing preferences and communication history are typically kept for three years after your last interaction with us.

Retention Schedule

Information Type	Retention Period	Reason
Educational records and certificates	7 years	Career support and regulatory compliance
Financial and payment information	7 years	Tax and accounting requirements
Marketing preferences and communications	3 years from last interaction	Relationship management
Website usage and analytics data	2 years	Service improvement

Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience on our platform. These small files help us remember your preferences, analyze how you use our site, and provide personalized content.

You can control cookie settings through your browser preferences. However, disabling certain cookies may limit some functionality of our platform, particularly features related to your learning progress and account management.

Essential cookies that are necessary for basic platform functionality
Performance cookies that help us understand how you use our site
Functionality cookies that remember your preferences and settings
Analytics cookies that provide insights into user behavior and site performance

International Data Transfers

Some of our service providers are located outside Australia, which means your information may be transferred internationally. When this happens, we ensure appropriate safeguards are in place to protect your privacy.

We work only with providers in countries with adequate privacy protections or who have committed to meeting Australian privacy standards through contractual agreements. Your information remains protected regardless of where it's processed.

Children's Privacy

Our services are designed for adults and we don't knowingly collect personal information from children under 16. If we discover that we've collected information from a child without parental consent, we'll delete it promptly.

If you're a parent or guardian and believe your child has provided us with personal information, please contact us immediately so we can address the situation appropriately.

Changes to This Privacy Policy

We may update this privacy policy from time to time to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you by email or through a prominent notice on our platform.

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

Privacy Policy