fecorameni is committed to protecting the privacy and personal information of our users throughout Australia. This Privacy Policy explains how we collect, use, store, and protect your personal information when you use our budgeting education services, visit our website, or interact with our programs.

We operate under the Australian Privacy Principles (APPs) contained in the Privacy Act 1988 (Cth) and are committed to fair and transparent information handling practices. This policy applies to all personal information we collect about individuals in connection with our financial education services.

By using our services, enrolling in our programs, or providing us with personal information, you acknowledge that you have read and understood this Privacy Policy and consent to our collection, use, and disclosure of your personal information as described herein.

Personal Information

We collect various types of personal information depending on how you interact with our services. This information helps us provide personalized budgeting education and improve our programs based on individual learning needs.

• Contact details including full name, email address, phone number, and postal address
• Demographic information such as age, occupation, and location within Australia
• Educational background and financial knowledge level for program customization
• Financial situation details necessary for personalized budgeting guidance
• Payment information for course enrollment and service fees
• Communication preferences and marketing consent status

Technical Information

Our website and digital platforms automatically collect certain technical information to ensure optimal performance and user experience. This data helps us understand how our services are used and identify areas for improvement.

• IP address and general geographic location for content customization
• Device information including browser type, operating system, and screen resolution
• Website usage patterns, page views, and interaction data
• Learning progress and course completion statistics
• Technical performance metrics for platform optimization

We use your personal information for legitimate business purposes related to providing financial education services. Our data usage practices are designed to enhance your learning experience while respecting your privacy rights under Australian law.

We ensure that personal information is only used for the purposes for which it was collected or for related purposes that would be reasonably expected by you. Any use outside these parameters requires additional consent or must be permitted under privacy legislation.

fecorameni does not sell, rent, or trade personal information to third parties for commercial purposes. We maintain strict controls over information sharing and only disclose personal information in specific circumstances outlined below.

Service Providers and Partners

We work with carefully selected third-party service providers to deliver our education programs effectively. These partnerships are governed by strict confidentiality agreements and data protection requirements.

• Learning management system providers for course delivery and progress tracking
• Payment processors for secure handling of enrollment fees and transactions
• Communication platforms for email delivery and customer support systems
• Analytics providers for website performance and user experience optimization
• Cloud storage services for secure data backup and system reliability

Legal and Regulatory Requirements

We may disclose personal information where required or permitted by Australian law, including situations involving legal proceedings, regulatory investigations, or threats to public safety. Such disclosures are made only to the extent necessary and with appropriate safeguards.

Business Transfers

In the event of a merger, acquisition, or business restructuring, personal information may be transferred as part of business assets. Any such transfer would be subject to the same privacy protections outlined in this policy, and affected individuals would be notified of any material changes.

Under Australian privacy law, you have several important rights regarding your personal information. We are committed to helping you exercise these rights effectively and will respond to requests within reasonable timeframes.

We implement comprehensive security measures to protect personal information from unauthorized access, alteration, disclosure, or destruction. Our security framework includes both technical and organizational safeguards designed to maintain data integrity and confidentiality.

Technical Security Measures

• Advanced encryption for data transmission and storage using industry-standard protocols
• Secure servers with regular security updates and vulnerability assessments
• Multi-factor authentication systems for staff access to personal information
• Regular backup procedures with encrypted storage and disaster recovery planning
• Network security monitoring and intrusion detection systems

Organizational Security Practices

• Staff training programs on privacy obligations and data handling procedures
• Access controls ensuring personnel only access information necessary for their roles
• Regular privacy impact assessments for new systems and processes
• Incident response procedures for potential data breaches or security events
• Vendor management protocols ensuring third-party compliance with security standards

Despite these protective measures, no system is completely immune to security risks. We continuously monitor and update our security practices to address emerging threats and maintain the highest levels of data protection possible.

We retain personal information only for as long as necessary to fulfill the purposes for which it was collected, meet our legal obligations, and resolve any disputes. Our retention practices are designed to balance business needs with privacy principles.

When retention periods expire or you request deletion of your information, we use secure deletion methods to ensure information cannot be recovered. Some information may be retained in anonymized form for statistical and research purposes where permitted by law.

Some of our service providers and technology platforms may process or store personal information outside Australia. When international transfers occur, we ensure appropriate safeguards are in place to protect your information according to Australian privacy standards.

Countries where your information may be processed include the United States, Canada, and members of the European Union, all of which have been assessed to provide adequate privacy protections or are covered by appropriate transfer mechanisms.

We use various legal mechanisms to ensure international transfers comply with Australian privacy law, including standard contractual clauses, adequacy decisions, and binding corporate rules where applicable. You have the right to request information about specific international transfers affecting your personal information.

We may update this Privacy Policy periodically to reflect changes in our practices, technology, legal requirements, or other operational needs. Significant changes will be communicated through multiple channels to ensure you remain informed about how we protect your privacy.

When we make material changes to this policy, we will notify affected individuals via email, website notifications, or other appropriate communication methods at least 30 days before the changes take effect. This advance notice allows you to review changes and make informed decisions about continued use of our services.

Minor administrative changes, such as contact information updates or clarifications that do not affect your rights or our data handling practices, may be made without prior notice. The "Last Updated" date at the top of this policy indicates when the most recent changes were made.

We encourage you to review this Privacy Policy regularly and contact us if you have questions about any changes or need clarification about how updates might affect your personal information.