Financial Education Professionals Pty Ltd ABN 51 096 944 062 (Financial Education) (‘we’, ‘us’, ‘our’) appreciate that privacy is important to you, and are committed to respecting the privacy of your personal information. Any personal information that we collect from you will be collected in accordance with:
- the Privacy Act 1988 (Cth) (Privacy Act);
- the Australian Privacy Principles; and
- the Privacy Amendment (Enhancing Privacy Protection) Act 2012 (Enhancing Privacy Protection Act).
1.2. We have a few fundamental principles relating to privacy. We acknowledge that how we collect, use, exchange and protect your personal information is important to you and therefore:
1.2.1. We do not ask you for personal information unless we truly need it;
1.2.2. We do not share your personal information with anyone except to comply with the law, develop our products and services or protect our rights;
1.2.3. We do not store personal information on our servers unless required for the on-going operation of one of our products or services.
1.3. If you have questions about deleting or correcting your personal data please contact our support team at email@example.com.
1.4. Financial Education operates the website at financialeducation.com.au. It is our policy to respect your privacy regarding any personal information we may collect while operating our website. The website may contain links to other websites. Financial Education is not responsible for the privacy practices of those other websites.
2. The Information We Collect From You
2.1. Like most websites, Financial Education collects non-personal identifying information of the type that web browsers and servers typically make available, such as the browser type, language preference, referring site, and the date and time of each visitor request. Financial Education’s purpose in collecting non-personal identifying information is to better understand how our visitors use its website.
2.2. From time to time, we may release non-personal identifying information in the aggregate, for example by publishing a report on trends in the usage of its website.
2.3. Financial Education also collects potentially personal identifying information like Internet Protocol (IP) addresses for logged in users.
2.4. We collect information about you and your interactions with us when you use our website. We may collect information about your location or activity using IP address, telephone number and whether you have accessed third party websites. Some of this information is collected using cookies.
2.5. Financial Education may collect statistics about the behaviour of visitors to its website. For instance, we may monitor the most popular requests or use spam screened by the 3rd party services to help identify spam. We may display this information publicly or provide it to others.
2.6. Certain visitors to the Financial Education website choose to interact with us in ways that require us to gather personal identifying information. The amount and type of information that we gather depends on the nature of the interaction.
2.7. Financial Education collects and holds your personal information for the purposes of providing you with the products, services or information you have requested from us.
2.8. When you enrol in a course we will collect personal information about you, such as your name, address, contact details, employment information, ABN and credit card details.
2.9. We may also collect other personal information from you which is necessary for particular products or services that you request from us regarding your use of our products and services.
2.10. We may also collect other personal information from you which is considered sensitive information, such as your membership of a professional association, or your ethnic, cultural or religion, or disability needs which may be relevant in the services we provide.
2.11. Where practicable, Financial Education will make it clear to you the purpose for which we are collecting the personal information. For example, we ask visitors who submit an online enquiry to provide their full name and email address in order for us to contact them.
2.12. In each case, we only collect such information as is necessary or appropriate to fulfil the purpose of the visitor’s interaction with Financial Education.
2.13. Financial Education may hold your personal information after you have ceased to be a client, in order to satisfy legal, regulatory or record-keeping obligations.
3. How We Use and Protect Your Personal Information
3.2. Financial Education will not use your personal information for any other purpose without seeking your consent, unless authorised or required by law.
3.3. Generally, we will only use or disclose your personal information as follows:
3.3.1. To provide the products, services or information you have requested from Financial Education, including for the purposes or enrolling you, issuing your results and providing certificates of completion;
3.3.2. To provide you with products such as assessment or training or providing you or others with services such as compliance programs for financial advisers;
3.3.3. To register you for and administer, events, promotions or competitions or to conduct training or assessments;
3.3.4. To verify to third parties who make enquiries of us as to whether individuals have completed a course, such as where a professional association of which you are a member, or seeking membership, is verifying a qualification;
3.3.5. By disclosing it to third parties where we have been retained by those third parties to assist them with recruitment of appropriately qualified personnel, or for the purpose of compliance checking their dealers, agents or contractors;
3.3.6. To assist us to make Financial Education sites, services and products more valuable to our clients;
3.3.7. To comply with our legal and/or regulatory obligations; and
3.3.8. For direct marketing of products or services and to keep you informed of new developments we believe may be of interest to you. If we contact you in this way without obtaining your prior consent, we will provide you with the opportunity to decline any further marketing communications.
3.4. Financial Education may disclose potentially personal identifying information, personal identifying information and personal information only to those of its employees, contractors and affiliated entities that:
3.4.1. need to know this information to provide our services; and
3.4.2. have agreed not to disclose this information to others.
3.5. Financial Education will not rent or sell any information it collects.
3.6. Financial Education is likely to disclose personal information to overseas recipients.
3.7. Unless we have your consent, or an exception under the Australian Privacy Principles applies, we will only disclose your personal information to overseas recipients where we have taken reasonable steps to ensure that the overseas recipient does not breach the Australian Privacy Principles in relation to your personal information.
3.8. Financial Education takes all measures reasonably necessary to protect against the unauthorised access, use, alteration or destruction of personal information that we hold.
3.9. Financial Education may hold personal information about you in paper-based and electronic records and systems. Personal information may be collected in paper based documents and converted to electronic form for storage.
3.10. Information held in paper-based form is generally securely stored in our offices or in the case of archived records, at an external storage facility in Australia.
5. Direct Marketing
5.1. Financial Education may use and disclose your personal information for the purposes of direct marketing including keeping you informed of new products or services that we consider may be of interest to you.
5.2. You may unsubscribe from these direct marketing communications at any time by contacting us at firstname.lastname@example.org or by responding using the unsubscribe instructions provided with the correspondence.
6. Links to Third-Party Websites
6.1. Our website from time to time, may contain links to the websites of third-parties that we are not affiliated with.
7. Accessing and Seeking Corrections to Your Information
7.1. If you have a simple enquiry about your personal information, such as updating your contact details, please do not hesitate to contact us on email@example.com.
7.2. You are entitled to access the personal information that Financial Education holds, on request. You may request access the personal information that Financial Education holds about you by contacting our Privacy Officer, details outlined below.
7.3. In limited circumstances, access to your personal information may be declined in accordance with the Australian Privacy Principles or as otherwise required by legislation.
7.4. You will not be charged for making a request to access your personal information.
7.5. Financial Education endeavours to keep your personal information accurate, up-to-date and complete. You can assist us with this by contacting us if you notice errors or discrepancies in the information we hold about you and letting us know if your details change.
7.6. If you consider the any personal information we hold about you inaccurate, out-of-date, incomplete or misleading, you are entitled to request a correction of the information. After receiving a request for correction, we will take reasonable steps to correct your information.
7.7. If you wish to have your personal information removed from our records, you may request that your personal information be deleted or destroyed. However, it will not always be possible to comply with your request to delete or destroy your personal information.
9. Questions and Complaints
Financial Education Professionals Pty Ltd
Attention: The Privacy Officer
Level 8, 20 Loftus Street, Sydney NSW 2000
Email: firstname.lastname@example.org Phone: (02) 9252 7437.
9.2. You can also contact our office if you believe that the privacy of your personal information has been compromised or is not adequately protected.
9.3. We acknowledge all complaints received and provide a point of contact and aim to resolve all complaints within 14 business days. If we are unable to resolve the matter within 14 business days, we will contact you and explain the reason for the delay, expected timeframe to resolve the complaint and seek your agreement to extend the period.
9.4. If you are not satisfied with our handling of your matter, you can refer your complaint to external dispute resolution.
9.5 If you require any further information on Australian privacy laws, you may also contact the Office of the Australian Information Commissioner by calling them on 1300 363 992, visiting their website at oaic.gov.au, or writing to the Office of the Australian Information Commissioner, GPO Box 5218 Sydney NSW 2001.