Privacy Policy

Information We Collect

When you interact with fudarmoraulara, we collect different types of information depending on how you use our services. Here's what that looks like in practice:

Personal Information You Provide

When you sign up for our programs or contact us, you'll share some basic details with us. This typically includes:

• Your name and contact details (email, phone number)
• Mailing address, particularly if you're at 6/6 Johnson St, Maitland NSW 2320 or elsewhere in Australia
• Educational background and financial literacy goals
• Payment information for course enrollment (processed securely through third-party providers)
• Communication preferences and feedback you share with us

Information Collected Automatically

Like most websites, we gather some technical data when you visit fudarmoraulara.com. This helps us keep things running smoothly and improve your experience:

• Browser type, device information, and operating system
• IP address and general location data (we're not tracking your exact movements)
• Pages you visit and how long you spend on them
• Referring websites and search terms that brought you to us

How We Use Your Information

We're not in the business of hoarding data for no reason. Everything we collect serves a specific purpose related to providing you with quality financial education.

Data Sharing and Third Parties

We work with a handful of trusted partners who help us deliver our services. But we're careful about who we work with and what information we share.

Service Providers We Work With

• Payment processors who handle transactions securely (they never share your full payment details with us)
• Email service providers for course communications and updates
• Cloud hosting services that keep our platform running reliably
• Analytics tools that help us understand website usage patterns

These partners are contractually obligated to protect your information and can only use it for the specific services they provide to us. We don't give them carte blanche access to everything.

Legal Requirements

Occasionally, we might need to disclose information if required by Australian law, court orders, or regulatory authorities. We'll always review such requests carefully and only share what's legally necessary.

Your Rights Under Australian Privacy Law

Under the Privacy Act 1988 and Australian Privacy Principles (APPs), you have several rights regarding your personal information. We take these seriously.

To exercise any of these rights, just send us an email at info@fudarmoraulara.com or call us at +61403471565. We'll verify your identity and process your request promptly.

Data Security Measures

We've implemented several layers of protection to keep your information secure. But it's worth being honest—no system is completely impenetrable. That said, here's what we do:

• Encryption of data both in transit and at rest using industry-standard protocols
• Regular security audits and vulnerability assessments
• Restricted access to personal information (only authorized staff who need it for their work)
• Secure servers located in Australian data centers with physical security measures
• Regular backups to prevent data loss
• Staff training on data protection and privacy principles

Data Retention

We don't keep your information forever. Here's our general approach to how long we hold different types of data:

• Active student records: Kept for the duration of your enrollment plus 7 years (as required by Australian education regulations)
• Financial records: Maintained for 7 years to comply with taxation requirements
• Marketing communications: Until you unsubscribe or request removal
• Website analytics: Typically aggregated and anonymized after 26 months
• Support correspondence: Generally kept for 3 years for quality assurance purposes

Once the retention period expires, we securely delete or anonymize your information so it can no longer identify you.

Cookies and Tracking

Our website uses cookies—small text files stored on your device that help the site function properly. We're not using them to build creepy profiles; they're mainly functional.

Types of Cookies We Use

• Essential cookies: Required for basic site functionality like logging in and maintaining your session
• Analytics cookies: Help us understand which pages are popular and where people get stuck
• Preference cookies: Remember your settings and choices to make your experience smoother

You can disable cookies through your browser settings, though this might affect how well certain features work. Most browsers also offer "Do Not Track" options that we respect.

International Data Transfers

While we primarily operate in Australia and store data locally, some of our service providers may be based overseas. When this happens, we ensure appropriate safeguards are in place.

Any international transfers comply with Australian Privacy Principles, particularly APP 8, which governs cross-border disclosure. We only work with countries that have adequate privacy protections or with companies that have signed contracts ensuring appropriate data handling standards.

Children's Privacy

Our programs are designed for adults and young adults seeking financial education. We don't knowingly collect information from anyone under 16 without parental consent. If you're a parent and believe we've inadvertently collected data about your child, please contact us immediately so we can remove it.

Changes to This Policy

Privacy regulations evolve, and so do our practices. When we make significant changes to this policy, we'll notify you via email and update the "Last Updated" date at the top of this page. We encourage you to review this policy periodically.

For minor updates that don't materially affect how we handle your data, we'll simply update the policy and note the changes in our revision history (available upon request).

Complaints and Disputes

If you're not happy with how we've handled your personal information, we want to know about it. Here's the process:

• Contact us first at info@fudarmoraulara.com with details of your concern
• We'll acknowledge your complaint within 7 days and investigate thoroughly
• You'll receive our response within 30 days, along with proposed resolution steps
• If you're not satisfied with our response, you can escalate to the Office of the Australian Information Commissioner (OAIC)

The OAIC can be reached at 1300 363 992 or through their website at oaic.gov.au. They provide an independent review process for privacy complaints.