Information We Collect

Personal Information

When you engage with our services, we collect information that helps us understand your financial stress management needs. This might include your name, contact details, and financial situation overview. We also gather information you voluntarily provide through consultations, assessments, or program registrations.

Automatically Collected Information

Our website collects certain data automatically through cookies and similar technologies. This includes browsing behaviour, device characteristics, and referral sources. These technical details help us improve site functionality and understand how visitors navigate our resources.

How We Use Your Information

We use collected information primarily to deliver effective financial stress management support. Your data helps us tailor our approach to your specific circumstances and maintain ongoing communication about relevant resources.

Your Privacy Rights

Under Australian privacy law, you have specific rights regarding your personal information. We've structured our processes to make exercising these rights straightforward.

Data Sharing and Disclosure

We don't sell your personal information to third parties. However, we may share data in specific circumstances necessary for service delivery or legal compliance.

Service Providers

We work with trusted third-party providers for essential functions like email delivery, payment processing, and website hosting. These partners are bound by confidentiality agreements and only access information necessary for their specific services.

Professional Advisors

When appropriate for your financial stress management, we may consult with financial counsellors, mental health professionals, or other specialists. We obtain your consent before sharing information in these contexts.

Legal Requirements

We disclose information when required by Australian law, court orders, or regulatory bodies. This includes situations involving fraud prevention, debt recovery, or other legal proceedings.

Data Security Measures

Protecting your information is something we take seriously. We've implemented multiple layers of security to prevent unauthorized access, loss, or misuse of your personal data.

• Encrypted data transmission using SSL/TLS protocols for all website communications
• Secure storage systems with restricted access limited to authorized personnel
• Regular security audits and vulnerability assessments of our systems
• Staff training on privacy obligations and data handling procedures
• Secure backup systems to prevent data loss while maintaining confidentiality
• Multi-factor authentication for internal access to sensitive information
• Incident response procedures for addressing potential security breaches

While we implement robust security measures, no internet transmission is completely secure. We encourage you to use strong passwords and protect your login credentials when accessing any online services.

Data Retention and Deletion

We retain your personal information only as long as necessary for the purposes outlined in this policy or as required by Australian law.

Retention Periods

• Active client records: Duration of service relationship plus seven years for financial records compliance
• Communication records: Three years from last contact for service continuity
• Website analytics: 26 months in accordance with standard practice
• Marketing preferences: Until you opt out or request deletion
• Legal documents: Seven years as required by Australian taxation and business law

Deletion Procedures

When retention periods expire, we securely delete or anonymize your information. You can request earlier deletion, though we may need to retain certain records for legal compliance. Our deletion process includes removing data from active databases, backups, and any third-party systems where information was shared.

Cookies and Tracking Technologies

Our website uses cookies to improve your browsing experience and help us understand how visitors use our resources. You can control cookie preferences through your browser settings.

Types of Cookies We Use

• Essential Cookies: Required for basic site functionality like navigation and secure access
• Analytics Cookies: Help us understand visitor behaviour and improve our content
• Functional Cookies: Remember your preferences and personalize your experience
• Performance Cookies: Measure site performance and identify areas for improvement

Blocking cookies may affect your ability to use certain features. Most browsers allow you to refuse cookies or delete existing ones through their settings menu.

Changes to This Policy

We review and update this privacy policy periodically to reflect changes in our practices, services, or legal requirements. When we make significant changes, we'll notify active clients via email and update the "Last Updated" date at the top of this page.

Continued use of our services after policy updates constitutes acceptance of the revised terms. We encourage you to review this policy occasionally to stay informed about how we protect your information.