Information We Collect

When you interact with our financial planning education platform, we collect different types of information depending on how you use our services. Some information you give us directly, and other bits we gather automatically as you browse.

Information You Provide Directly

• Account Details: When you sign up for our learning programs, we need basics like your name, email address, phone number, and mailing address. We use this to create your account and communicate about your enrolment.
• Payment Information: If you purchase any courses or materials, we collect payment details. These are processed securely through our payment processors – we don't store complete credit card numbers on our servers.
• Educational Records: As you progress through courses, we track your completion rates, quiz results, and learning milestones. This helps us personalise your experience and show you relevant next steps.
• Communications: When you contact us through email, contact forms, or support channels, we keep records of those conversations so we can help you effectively and improve our service.
• Profile Information: You might choose to add optional details like your educational background, career goals, or areas of interest in financial planning. This helps us recommend suitable courses.

Information Collected Automatically

• Usage Data: We track how you navigate our site – pages visited, time spent on different sections, links clicked, and courses accessed. This shows us what's working and what needs improvement.
• Device Information: We log technical details like your IP address, browser type, operating system, and device identifiers. This helps with security and ensures our platform works properly on different devices.
• Cookies and Similar Technologies: We use cookies to remember your preferences, keep you logged in, and understand how people use our site. You can control cookie settings through your browser, though some features might not work as well if you disable them.

How We Use Your Information

We're not in the business of collecting data for the sake of it. Everything we gather serves a specific purpose related to delivering and improving our educational services.

• Service Delivery: Your account information lets us give you access to the courses you've enrolled in and track where you're up to in each program. When you log in, we remember your preferences and previous activity.
• Communication: We'll send you emails about course deadlines, new content releases, and important updates to our terms or services. You can opt out of promotional messages, but we'll still need to send essential service-related communications.
• Improvement and Development: By analysing how students interact with our content, we identify which topics need better explanation, which formats work best, and where people tend to get stuck. This directly informs how we update and create new materials.
• Security and Fraud Prevention: We monitor for suspicious activity and unauthorised access attempts. IP addresses and device information help us spot potential security issues before they become problems.
• Legal Compliance: Sometimes we're required to keep certain records for regulatory or legal purposes, particularly related to financial education and consumer protection laws in Australia.

Information Sharing and Disclosure

We don't sell your personal information. That's worth stating upfront. However, we do share information with specific third parties who help us run our platform and deliver our services.

Service Providers

We work with various companies that provide essential services on our behalf:

• Payment Processors: Companies like Stripe or PayPal handle payment transactions securely. They receive the information necessary to process your payment but are bound by their own privacy policies and payment industry security standards.
• Email Service Providers: We use email platforms to send course updates, newsletters, and notifications. These providers have access to your email address and name, but they're contractually prohibited from using this information for their own purposes.
• Cloud Hosting Services: Our platform and your data are stored on secure cloud servers. These hosting providers maintain the infrastructure but don't access or use your personal information.
• Analytics Tools: We use analytics services to understand how people use our site. This might involve sharing anonymised usage data, though we configure these tools to respect privacy as much as possible.

Legal Requirements

We might disclose your information if required by law, court order, or government request. We'll also share information if necessary to protect our rights, prevent fraud, or address security issues. In these cases, we disclose only what's legally required.

Business Transfers

If jamirhalja is acquired by or merges with another company, your information would likely be transferred as part of that transaction. We'd notify you before this happens and before your information becomes subject to a different privacy policy.

Data Storage and Security

We take reasonable steps to protect your information from unauthorised access, loss, or misuse. That said, no system is perfectly secure, and we can't guarantee absolute security.

Security Measures

• All data transmitted to and from our site is encrypted using industry-standard SSL/TLS protocols
• Personal information is stored on secure servers with restricted access
• We regularly update our security practices and conduct vulnerability assessments
• Staff access to personal information is limited based on job requirements
• We maintain backup systems to prevent data loss

Data Retention

We keep your information for as long as your account remains active or as needed to provide services. When you complete a course, we retain your educational records to maintain your achievement history and provide future reference.

If you close your account, we'll delete or anonymise your personal information within 90 days, except where we're required to keep certain records for legal or regulatory purposes.

Your Rights and Choices

Under Australian privacy law, you have several rights regarding your personal information. Here's what you can do and how to exercise these rights:

Access Your Information

You can request a copy of the personal information we hold about you. Log into your account to view most of this information directly, or contact us for a complete export of your data. We'll provide this within 30 days of your request.

Correct Your Information

If any of your personal information is inaccurate or outdated, you can update it directly through your account settings. For information you can't change yourself, send us a correction request and we'll update it promptly.

Delete Your Information

You can request deletion of your personal information by closing your account or contacting our support team. We'll process deletion requests within 30 days, though we might need to retain certain information for legal compliance (like payment records for tax purposes).

Opt Out of Communications

You can unsubscribe from promotional emails using the link at the bottom of any marketing message. You'll still receive essential service communications about your courses and account.

Data Portability

You can request a copy of your information in a structured, commonly used format. This lets you transfer your data to another service if you choose.

Lodge a Complaint

If you believe we've mishandled your personal information, contact us first so we can address your concerns. If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC).

Children's Privacy

Our services are designed for adults aged 18 and over. We don't knowingly collect information from anyone under 18. If you're a parent or guardian and believe your child has provided us with personal information, please contact us so we can delete it.

International Data Transfers

While jamirhalja primarily operates within Australia, some of our service providers are based overseas (particularly in the United States and Europe). When we transfer your information internationally, we ensure appropriate safeguards are in place through:

• Contracts that require overseas recipients to protect your information according to Australian privacy standards
• Selecting providers in countries with privacy laws comparable to Australia's
• Ensuring data is encrypted during transfer and storage

By using our services, you consent to these international transfers under the conditions described above.

Cookies and Tracking Technologies

We use several types of cookies and similar technologies on our site. Here's a breakdown:

Essential Cookies

These are necessary for the site to function properly. They remember your login status, keep your session secure, and enable basic navigation. You can't opt out of these without breaking core functionality.

Performance Cookies

These help us understand how visitors interact with our site by collecting anonymous information about page views, navigation paths, and errors. This data is aggregated and doesn't identify you personally.

Functional Cookies

These remember your preferences (like video playback settings or text size) to provide a more personalised experience. They don't track your browsing on other websites.

Managing Cookies

Most browsers let you control cookies through their settings. You can block or delete cookies, though this might affect how our site works for you. Mobile devices have similar controls in their privacy settings.

Third-Party Links

Our website occasionally links to external sites, resources, or tools that might be useful for your financial education. We're not responsible for the privacy practices of these third-party sites. When you click a link that takes you off our platform, you're subject to that site's privacy policy, not ours. We recommend reviewing their policies before providing any personal information.

Changes to This Policy

We update this privacy policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make significant changes, we'll notify you by email or through a prominent notice on our website. The "Effective Date" at the top of this policy shows when it was last updated.

We encourage you to review this policy periodically, especially before providing any new personal information. Your continued use of our services after we post changes constitutes your acceptance of the updated policy.