Last modified September 2018
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).
- The Information We Collect
- How We Use and Protect Your Personal Information
- Use of Marketing Communications
- Links to Third-Party Websites
- Accessing and Seeking Corrections to Your Information
- Questions and Complaints
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.
1.3 We do not share your personal information with anyone except to comply with the law, develop our products and services or protect our rights.
1.4 If you have questions about deleting or correcting your personal data please contact our Privacy Officer at email@example.com.
1.5 Financial Education operates the website at financialeducation.com.au and cpdevolve.com.au. It is our policy to respect your privacy regarding any personal information we may collect while operating our website.
2. The Information We Collect
When you visit our website
2.1. You can visit our website without providing any personal information about yourself. We will collect non-personal identifying information such as: the type of web browsers and servers typically make available, 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 When you visit our website and contact us or subscribe to our marketing communications or blogs, we may request that you provide Personal Information about yourself. We will also collect Navigational Information.
2.3 We will only collect personal information where we have your consent to do so.
2.4 Financial Education holds your personal information for the purpose of providing you with the information you have requested from us. We also use this information to operate and improve the website. The amount and type of information that we request depends on the nature of the interaction.
2.5 ‘Personal information’ refers to any information that you voluntarily submit to us and that identifies you personally, including contact information, such as your name, e-mail address, company name, address, phone number, and other information about yourself or your business. Personal information can also include information about any transactions, both free and paid, that you enter into on the website, and information about you that is available on the internet, LinkedIn and Google, or publicly available information that we acquire from service providers.
Students and clients
2.6 When you enrol in a course with Financial Education, we collect and hold your personal information for the purposes of providing you with the products, services you have requested from us.
2.7 As a Registered Training Organisation (RTO), we are required to collect and report student data to the Australian Government, in accordance with the National VET Provider Collection Data Requirements Policy. Select courses need to adhere to the new privacy laws regarding AVETMISS and student declaration forms.
Please refer Financial Education Professionals National VET Privacy Notice and Student Declaration.
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.
2.10. 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. Wherever practicable, Financial Education will make it clear to you the purpose for which we are collecting the personal information.
2.12. 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.
2.14 The failure to provide correct personal information may result in Financial Educations ability to process enrolments and/or refunds.
Information About Children
2.16 The website is not intended for or targeted at children under 18, and we do not knowingly or intentionally collect information about children under 18 If you believe that we have collected information about a child under 18, please contact us at firstname.lastname@example.org, so that we may delete the information.
3. How We Use and Protect Your Personal Information
we may use your Personal Information to:
improve your browsing experience;
- send information which we think may be of interest to you by post, email, or other means and send you marketing communications relating to our products and/or services;
- promote use of our services to you and share promotional and information content with you in accordance with your communication preferences;
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, or to conduct training or assessments;
3.3.4. We will not disclose your information to a ‘third party’ unless we have permission to do so. Permission is only obtained through an email confirmation. A third party may consist of an employer requesting confirmation of your course completion;
3.3.5. To assist us to make Financial Education sites, services and products more valuable to our clients;
3.3.6. To comply with our legal and/or regulatory obligations.
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 takes all measures reasonably necessary to protect against the unauthorised access, use, alteration or destruction of personal information that we hold.
3.7 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.
3.8 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.
3.10 Retention of Personal Information
We retain personal information that you provide to us where we are legally required to do so. Where we have no ongoing legal requirement to maintain your personal information, we securely delete the information or anonymise it or, if this is not possible, then we will securely store your personal information and isolate it from any further processing until deletion is possible. At your request we can delete this information as outline in Section 5.
If you have chosen to receive marketing communications from us, we retain information about you for a reasonable period of time from the date you last expressed interest in our, products, or services. We retain information derived from cookies and other tracking technologies for a reasonable period of time from the date such information was created.
3.11 Customer Testimonials and Comments
We post customer testimonials and comments on our website, which may contain personal information. We obtain each customer’s consent prior to posting the customer’s name, company name and testimonial.
5. Use of Marketing Communications
5.1. Financial Education may use your personal information for the purposes of marketing communications, including keeping you informed of new products or services that we consider may be of interest to you.
5.2. You may unsubscribe from our marketing communications by clicking on the “unsubscribe” link located on the bottom of our emails, updating your communication preferences, or by sending us email at email@example.com or post to Financial Education Professionals, Suite 703, Level 7, 5 Hunter Street, SYDNEY NSW 2000 Australia, Attention: Privacy.
5.3 You will continue to receive transactional emails relating to your course.
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 firstname.lastname@example.org.
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 at email@example.com or post to Financial Education Professionals, Suite 703, Level 7, 5 Hunter Street, SYDNEY NSW 2000 Australia, Attention: Privacy
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 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
Suite 703, Level 7, 5 Hunter Street Sydney NSW 2000
Email: firstname.lastname@example.org Phone: +61 2 9233 2000.
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.
Terms & Conditions
Last modified 29 March 2019
Students must apply in writing to Financial Education Professionals to request a refund, cancellation, transfer, substitution or extension of a course enrolment. Refunds may be granted at the discretion of Financial Education Professionals.
Enrolment in a public or inhouse workshop is confirmed when Financial Education Professionals receive a student’s or client’s online registration and enrolment fee.
No refunds are available for cancellations received 14 days or less of the event date under any circumstances. No substitutions are available less than 4 days prior to the event.
Please note that a minimum number of enrolments are required for workshops to proceed and Financial Education Professionals reserves the right to cancel workshops if the numbers do not meet the minimum requirement.
SELF-STUDY OR ONLINE LEARNING
Enrolment in a self-study course is confirmed when Financial Education Professionals receive a student’s online registration and enrolment fee.
All self-study courses (except courses that form part of a Diploma or Certificate IV) have a course completion date of 8 weeks from the date of enrolment. Should a student need an extension, one (1) additional enrolment period of 8 weeks per subject will be provided free of charge. After that, the full enrolment fee must be paid again to continue studying.
Self-study courses which form part of a nationally accredited qualification (Diploma or Certificate IV) have a course completion date of 90 days from the date of enrolment. Should a student need an extension to complete an assessment piece (assignment or examination), we will grant an extension of a further 90 days for $200 per assessment piece
If a student has enrolled in a subject and Financial Education Professionals receives a request from the student to withdraw from the subject within 7 days of the initial enrolment, a refund of the subject enrolment fee less $100AUD per subject will be awarded to the student, as long as the student has not completed the assessment piece.
Refunds will not be considered for students enrolled in a subject where more than 7 days has passed since their enrolment date.
A full refund may be provided to a student in the following circumstances:
- Where the student’s application for enrolment is declined by Financial Education Professionals
- Whereby reason or reasons beyond the student’s control, including civil strikes and riots, the student is prevented from studying a subject
- Where Financial Education Professionals fail to provide the agreed services.
Recognition of Prior Learning
Where applicable, FEP can recognise prior learning. A fee will be charged if a Statement of Attainment is required.
Financial Education Professionals will ensure that learners have access to a fair and equitable process for dealing with assessment queries and appeals.
Avenues will be provided whereby learners can self assess against the standard, can discuss their performance, in the first instance, with their trainer and then, where appropriate, with the Education Director.
All appeals will be given top priority and consideration in full detail with the objective of a speedy resolution.
Every effort will be made by Financial Education Professionals to resolve these assessment appeals professionally and in the appropriate confidential manner.
Further details, please contact the Manger , Operations and Customer Experience in the first instance on (02) 9233 2000 or email@example.com.
ANNUAL CPD VIA cpdevolve
What is a user?
- A user is an individual who is enrolled in a current annual CPD subscription
- A Subscription in CPD Evolve is for a term of 12 months. The 12 month term commences from the initial date of enrolment
- A Subscription contains a minimum of 20 CPD points
- A Subscription contains a maximum of 6 CPD points per specialist knowledge area
- Subscriptions follow ASIC’s continuing education guidelines contained in Regulatory Guide 146.
- Refunds will not be made for the cancellation of a subscription once a subscription has been activated by the user and/or after one month of an enrolment.
- The client must nor permit, authorise or facilitate any access or use of CPD Evolve to any person who is not enrolled in CPD Evolve.
- A user is an individual who is enrolled in a current annual CPD subscription.
- All CPD modules are self-study and online.
MINIMUM TECHNICAL REQUIREMENTS
All online courses and CPD are offered via Financial Education Professionals’ online Learning Management System (LMS). Using a supported browser is recommended. Supported browsers are listed below by system:
LMS (Moodle & Totara)
All access to the LMS for both PC and mobile devices is web-based using standard web browsers. While interfaces are designed to degrade gracefully on older browsers, a recommended minimum PC browser specification that would be expected to deliver a rich, interactive user experience would be as follows:
- IE 9 or above
- Recent version of Chrome or Firefox or Safari
- iOS 7+ – recent version of Safari or Chrome or Firefox
- Android Jellybean 4.3+ – recent version of Chrome or Firefox
No special plugins are required to use the software.
What are cookies?
Cookies enable us to track and target the interests of our users contributing to an understanding of how our website is being used and what pages are being visited. These analytics help us to understand the user behaviour and are used to improve the user experience. We may also use clear gifs or pixels in our HTML-based marketing emails. This provides us with analytics to let us know how users interact with our emails. This helps us to determine the effectiveness of our electronic communications ensuring we are delivering the right message to the right user.
How do I control these cookies?
VET Data Use Statement
Under the Data Provision Requirements 2012, Financial Education Professionals is required to collect personal information about you and to disclose that personal information to the National Centre for Vocational Education Research Ltd (NCVER).
Your personal information (including the personal information contained on this enrolment form) may be used or disclosed by Financial Education Professionals for statistical, administrative, regulatory and research purposes. Financial Education Professionals may disclose your personal information for these purposes to:
- Commonwealth and State or Territory government departments and authorised agencies; and
Personal information that has been disclosed to NCVER may be used or disclosed by NCVER for the following purposes:
- populating authenticated VET transcripts;
- facilitating statistics and research relating to education, including surveys and data linkage;
- pre-populating RTO student enrolment forms;
- understanding how the VET market operates, for policy, workforce planning and consumer information; and
- administering VET, including program administration, regulation, monitoring and evaluation.
You may receive a student survey which may be administered by a government department or NCVER employee, agent or third party contractor or other authorised agencies. Please note you may opt out of the survey at the time of being contacted.
NCVER will collect, hold, use and disclose your personal information in accordance with the Privacy Act 1988 (Cth), the National VET Data Policy and all NCVER policies and protocols (including those published on NCVER’s website at www.ncver.edu.au).