1. Information We Collect

We collect different types of information depending on how you interact with us. Most of this happens when you sign up for our programs or reach out through our website.

Personal Information

When you register for a learning program or contact us, we might collect:

• Your full name and date of birth
• Email address and phone number
• Physical address (particularly relevant for our Coffs Harbour location)
• Educational background and work experience
• Financial literacy assessment results
• Payment information for course enrollment

Technical Information

Our website automatically collects certain technical data to improve your experience. This includes your IP address, browser type, device information, and how you navigate through our site. We use this to understand which parts of our content work well and which need improvement.

Learning Progress Data

As you progress through our programs, we track your completion rates, assessment scores, and engagement with course materials. This helps us personalise your learning experience and provide better support where you might need it.

2. How We Use Your Information

We're not in the business of selling your data. Everything we collect serves a specific purpose related to delivering and improving our financial education services.

We occasionally send updates about new programs or relevant financial communication resources. You can opt out of these emails anytime by clicking the unsubscribe link at the bottom of any message.

3. Data Storage and Security

Your information is stored on secure servers in Australia. We use industry-standard encryption for data transmission and storage. Our team receives regular training on data protection, and access to personal information is restricted to staff members who need it to do their jobs.

While we take reasonable steps to protect your information, no online system is completely secure. If you notice any suspicious activity related to your account, contact us immediately.

4. Sharing Your Information

We don't sell or rent your personal information to third parties. However, we do share data in specific circumstances that help us deliver our services.

Service Providers

We work with trusted third-party providers for payment processing, email communications, and learning management systems. These providers only access information necessary for their specific service and are bound by confidentiality agreements.

Legal Requirements

We may disclose your information if required by Australian law or in response to valid legal processes. This includes situations where disclosure is necessary to protect our rights, your safety, or the safety of others.

Business Transfers

If nerpathiol merges with another organisation or transfers ownership, your information may be part of that transfer. You would be notified of any such change, and the new entity would be required to follow this privacy policy.

5. Your Rights and Choices

Under Australian privacy law, you have several rights regarding your personal information. We're committed to making these rights accessible and straightforward.

• Access: You can request a copy of the personal information we hold about you. We'll provide this within 30 days of your request.
• Correction: If you believe any information we hold is inaccurate or outdated, let us know and we'll update it promptly.
• Deletion: You can request deletion of your personal information, subject to legal or contractual obligations that require us to retain certain records.
• Restriction: You can ask us to limit how we use your information in certain circumstances.
• Portability: You can request your data in a structured, commonly used format for transfer to another service.
• Objection: You can object to certain types of processing, particularly for marketing purposes.

To exercise any of these rights, email us at help@nerpathiol.com with your request and proof of identity. We take these requests seriously and respond as quickly as possible.

6. Data Retention

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

After these retention periods, we securely delete or anonymise your information. Anonymised data may be retained indefinitely for statistical analysis and service improvement.

7. Cookies and Tracking

Our website uses cookies to enhance your browsing experience. Cookies are small text files stored on your device that help us remember your preferences and understand how you use our site.

Types of Cookies We Use

Essential cookies: These are necessary for the website to function properly. They enable core features like security and accessibility.

Performance cookies: These help us understand how visitors interact with our website by collecting anonymous information about page visits and navigation patterns.

Functionality cookies: These remember your preferences and choices to provide a more personalised experience.

You can control cookie settings through your browser. Keep in mind that blocking certain cookies might affect website functionality.

8. Children's Privacy

Our programs 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 immediately so we can delete it.

9. International Data Transfers

While we primarily store data in Australia, some of our service providers may process information on servers located overseas. When this happens, we ensure these providers offer adequate data protection through contractual obligations and compliance with international data protection standards.

Any international transfers comply with Australian Privacy Principle 8, which governs cross-border disclosure of personal information.

10. Changes to This Policy

We review and update this privacy policy periodically to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you through email or a prominent notice on our website.

The date at the top of this policy indicates when it was last updated. We encourage you to review this policy occasionally to stay informed about how we protect your information.

11. Complaints and Disputes

If you have concerns about how we handle your personal information, we want to hear from you. Contact our privacy officer at help@nerpathiol.com with details of your complaint.

We'll acknowledge your complaint within 48 hours and investigate the matter thoroughly. You should receive a response within 30 days outlining our findings and any actions we've taken.

If you're not satisfied with our response, you have the right to lodge a complaint with the Office of the Australian Information Commissioner. You can reach them at oaic.gov.au or by calling 1300 363 992.