Privacy Policy

Information We Collect

We collect information when you interact with our services. Some of it you provide directly, other data gets collected automatically through your use of our platform.

Information You Provide

• Contact details including name, email address, phone number, and business address when you register or enquire about our services
• Business information such as company name, ABN, industry type, and business structure
• Financial data you share for consultation purposes, including transaction records and business performance metrics
• Communications you send us through contact forms, emails, or support channels
• Feedback and survey responses when you participate in our improvement initiatives

Automatically Collected Data

When you visit our website or use our services, we collect technical information through standard web technologies:

• Device information including IP address, browser type, operating system, and device identifiers
• Usage patterns such as pages visited, time spent on sections, and navigation paths
• Location data based on IP address to better serve Australian businesses
• Cookie data and similar tracking technologies as detailed in our cookie notice

How We Use Your Information

We use collected data for specific business purposes. Everything we do with your information serves our relationship with you or our legal obligations.

We don't sell your personal information to third parties. We're not in the data-selling business—we're in the finance business.

Data Sharing and Disclosure

Sometimes we need to share information with others to provide our services effectively. Here's who might see your data and why:

Service Providers

We work with trusted third parties who help us run our business. These include cloud hosting providers, payment processors, and communication platforms. They only access information necessary for their specific function and are bound by confidentiality agreements.

Professional Advisors

Your information might be shared with accountants, lawyers, or other consultants when necessary for providing comprehensive financial services. This happens only with appropriate safeguards in place.

Legal Requirements

We'll disclose information when required by Australian law, court orders, or regulatory bodies such as the Australian Taxation Office or ASIC. We also reserve the right to share data if necessary to protect our legal rights or investigate suspected fraud.

Your Rights Under Australian Privacy Law

The Privacy Act 1988 gives you specific rights regarding your personal information. Here's what you can do:

1. Access: Request a copy of the personal information we hold about you. We'll provide this within 30 days unless there's a valid reason for delay.
2. Correction: Ask us to correct inaccurate or incomplete information. We'll update records promptly once we verify the correction.
3. Deletion: Request deletion of your data in certain circumstances, though we may need to retain some information for legal compliance.
4. Complaint: Lodge a complaint with us directly or with the Office of the Australian Information Commissioner if you believe we've mishandled your data.
5. Opt-out: Unsubscribe from marketing communications at any time using links in our emails or by contacting us directly.

To exercise these rights, contact us using the details at the bottom of this page. We'll need to verify your identity before processing requests—standard security practice.

Data Security and Protection

We take security seriously. Financial data requires careful handling, and we've implemented multiple layers of protection:

• Encryption of data both in transit and at rest using industry-standard protocols
• Regular security audits and vulnerability assessments conducted by independent specialists
• Access controls ensuring only authorized personnel can view sensitive information
• Secure backup systems with redundancy to prevent data loss
• Staff training on data protection and confidentiality requirements
• Incident response procedures for rapid action if a breach occurs

Despite our best efforts, no system is completely impenetrable. If we experience a data breach that might seriously harm you, we'll notify you and relevant authorities as required by Australian privacy law.

Data Retention

We keep your information only as long as necessary for the purposes outlined in this policy. Retention periods vary based on data type and legal requirements:

After retention periods expire, we securely delete or anonymize data so it can no longer identify you. Some information might be retained longer if required by law or for legitimate legal purposes like defending claims.

Cookies and Tracking Technologies

Our website uses cookies—small text files stored on your device that help us provide better service. We use several types:

Essential Cookies

These are necessary for the website to function. They enable basic features like page navigation and access to secure areas. The site won't work properly without them.

Performance Cookies

We collect anonymous data about how visitors use our site. This helps us understand which pages are most useful and where people encounter problems. Google Analytics is our primary tool here.

Functional Cookies

These remember your preferences like language settings or returning visitor status. They enhance your experience but aren't strictly necessary.

You can control cookies through your browser settings. Blocking certain cookies might affect site functionality. Most browsers accept cookies automatically, but you can modify this in your preferences.

International Data Transfers

We primarily store data on Australian servers. However, some service providers we use operate internationally, which means your information might be processed outside Australia.

When data leaves Australia, we ensure appropriate safeguards are in place through:

• Contracts requiring service providers to protect data according to Australian privacy standards
• Verification that the recipient country has substantially similar privacy protections
• Use of providers certified under recognized international privacy frameworks

Most of our critical systems remain within Australian jurisdiction to minimize transfer risks.

Children's Privacy

Our services target business operators and professionals. We don't knowingly collect information from anyone under 18 years of age. If you believe we've inadvertently collected data from a minor, contact us immediately and we'll delete it.

Changes to This Policy

We review and update this policy periodically to reflect changes in our practices or legal requirements. The date at the top shows the last revision. Significant changes will be communicated through email or prominent website notice before they take effect.

Continuing to use our services after policy updates constitutes acceptance of the revised terms. If you disagree with changes, you can discontinue service use or contact us to discuss concerns.

Complaints and Disputes

If you're unhappy with how we've handled your personal information, we want to hear about it. Here's our complaint process:

1. Contact us directly using the details below. Provide specific information about your concern.
2. We'll acknowledge your complaint within 3 business days and investigate thoroughly.
3. You'll receive a written response within 30 days outlining our findings and any corrective action.
4. If you're not satisfied with our response, you can escalate to the Office of the Australian Information Commissioner.