Information We Collect

Look, we only collect what we actually need to provide our financial stability analysis services. Here's what that includes:

Personal Details You Provide

• Contact Information: Your name, email address, phone number, and postal address when you sign up or reach out to us
• Account Data: Username, password (encrypted, obviously), and security preferences for your account access
• Financial Information: Income details, expense patterns, savings goals, and debt information that you choose to share for analysis purposes
• Communication Records: Messages you send us through our contact forms, emails, or support tickets
• Learning Progress: Course enrollment data, module completion status, quiz results, and certification achievements

Information We Collect Automatically

• Usage Data: How you interact with our platform, which pages you visit, time spent on different sections
• Device Information: Browser type, operating system, IP address, and device identifiers
• Location Data: General location based on IP address (we're talking city-level, not tracking your exact whereabouts)
• Cookies and Similar Tech: We use cookies to remember your preferences and keep you logged in

How We Use Your Information

We don't mess around with your data. Everything we collect serves a specific purpose:

• Service Delivery: Providing you with personalized financial stability analysis and educational content tailored to your situation
• Account Management: Creating and maintaining your account, processing your requests, and handling authentication
• Communication: Sending you important updates about your account, course progress, and relevant educational resources
• Improvement: Understanding how people use our platform so we can make it better (anonymized data only)
• Compliance: Meeting our legal obligations under Australian law and maintaining proper business records
• Security: Detecting and preventing fraud, unauthorized access, and other security issues

Data Storage and Security

Your information is stored on secure servers located in Australia, which means it's protected under Australian privacy laws. We use industry-standard encryption for data transmission and storage.

Security Measures We Implement

• Encryption: All sensitive data is encrypted both in transit (SSL/TLS) and at rest using AES-256 encryption
• Access Controls: Only authorized personnel can access your data, and they're bound by strict confidentiality agreements
• Regular Audits: We conduct security assessments quarterly to identify and address potential vulnerabilities
• Secure Authentication: Multi-factor authentication options available for your account protection
• Backup Systems: Regular encrypted backups to prevent data loss while maintaining security

That said, no system is 100% foolproof. We do everything reasonably possible to protect your information, but we can't guarantee absolute security. If you notice anything suspicious with your account, let us know immediately.

Sharing Your Information

We're pretty protective of your data. We only share it in these specific situations:

• Service Providers: Third-party companies that help us operate (like hosting providers and email services). They're contractually obligated to protect your data and can only use it for the services they provide to us
• Legal Requirements: When required by Australian law, court order, or government request
• Business Transfers: If FocusNeuron is acquired or merged, your information would transfer to the new entity (but the same privacy protections would apply)
• With Your Consent: Any other sharing would only happen if you explicitly agree to it

We don't share your information with marketing companies, data brokers, or anyone else looking to profit from your personal details.

Your Rights Under Australian Privacy Law

The Australian Privacy Act gives you significant control over your personal information. Here's what you can do:

Access Your Information

You can request a copy of all personal information we hold about you. We'll provide this within 30 days, free of charge for your first request each year.

Correct Your Information

If any of your personal information is inaccurate or outdated, you can ask us to correct it. We'll update it within 7 business days.

Delete Your Information

You can request deletion of your personal information. We'll comply unless we're legally required to keep certain records (like financial transaction records for tax purposes).

Restrict Processing

You can ask us to temporarily stop using your information in certain ways while we sort out any concerns you have.

Data Portability

You can request your data in a commonly-used format so you can transfer it to another service if you want.

Object to Processing

You can object to how we're using your information, and we'll stop unless we have compelling legitimate grounds to continue.

Withdraw Consent

If we're processing your data based on your consent, you can withdraw that consent anytime.

Cookies and Tracking

We use cookies to make the site work properly and improve your experience. You can control cookies through your browser settings, but some features might not work if you disable them.

Types of Cookies We Use

• Essential Cookies: Necessary for the site to function (like keeping you logged in)
• Performance Cookies: Help us understand how people use the site so we can improve it
• Functionality Cookies: Remember your preferences and settings

We don't use advertising or tracking cookies from third parties. The cookies we use are strictly for making our platform work better for you.

Data Retention

We don't keep your information longer than we need to. Here's our general approach:

• Active Accounts: We retain your data for as long as your account is active
• Closed Accounts: After you close your account, we keep essential records for 7 years (as required by Australian tax law), then delete everything else within 90 days
• Course Data: Your learning progress and certifications are kept for 10 years to maintain educational records
• Communication Records: Emails and support tickets are retained for 3 years for quality assurance and legal protection
• Financial Records: Transaction records kept for 7 years per Australian taxation requirements

Children's Privacy

Our services are designed for adults dealing with financial planning. We don't knowingly collect information from anyone under 18. If you're a parent and think your child has provided us with personal information, contact us immediately and we'll delete it.

International Data Transfers

Your data stays in Australia on Australian servers. We don't transfer personal information overseas. If that ever needs to change, we'll update this policy and notify you first.

Changes to This Policy

We review and update this privacy policy annually, or sooner if there are significant changes to how we handle data. When we make changes, we'll post the updated policy here and send you an email notification if the changes are substantial.

The "Last Updated" date at the top tells you when the most recent version was published. We encourage you to check back occasionally to stay informed.

Complaints and Concerns

If you have concerns about how we handle your personal information, we want to hear about it. First, contact us directly so we can try to resolve the issue. 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).

• OAIC Website: www.oaic.gov.au
• OAIC Phone: 1300 363 992
• OAIC Mail: GPO Box 5218, Sydney NSW 2001