Information We Collect

We gather different types of information to provide you with relevant financial education resources and maintain our services. The data we collect falls into several categories.

Personal Information You Provide

When you register for courses, subscribe to newsletters, or contact us, you might share:

• Full name and contact details (email address, phone number)
• Postal address, particularly our Adelaide location at 37 Angas St, Adelaide SA 5000
• Payment information for course enrolments (processed securely through third-party providers)
• Educational background and professional interests
• Communication preferences and feedback

Automatically Collected Information

Our website automatically gathers certain technical data:

• IP address and approximate geographic location
• Browser type, device information, and operating system
• Pages visited, time spent on site, and navigation patterns
• Referral source (how you found our website)
• Session information and access times

How We Use Your Information

We process your data for specific purposes related to our educational services. Your information helps us deliver better learning experiences and maintain communication.

Data Sharing and Third Parties

Sometimes we need to share limited information with other organisations to deliver our services. These relationships are carefully managed.

Service Providers

We work with companies that support our operations:

• Payment processors for secure transaction handling
• Email service providers for course communications
• Web hosting companies that store our content
• Analytics platforms that help us understand site usage
• Customer support tools for managing inquiries

These providers can only use your data for the specific services they perform for us. They're bound by confidentiality agreements.

Legal Requirements

We might disclose information if required by Australian law, court order, or government request. This includes cooperating with law enforcement or protecting our rights.

Your Rights Under Australian Law

The Australian Privacy Principles give you specific rights regarding your personal information. You can exercise these rights by contacting us.

Data Security Measures

Protecting your information is something we take seriously. We've implemented multiple security layers to prevent unauthorised access, disclosure, or loss.

• Industry-standard encryption for data transmission (SSL/TLS protocols)
• Secure servers with regular security updates and monitoring
• Access controls limiting who can view personal information
• Regular security audits and vulnerability assessments
• Staff training on data protection and privacy practices
• Secure backup systems with encrypted storage

While we use reasonable security measures, no online system is completely immune to risks. We encourage you to use strong passwords and keep your login credentials private.

Data Retention and Deletion

We keep your information only as long as necessary for the purposes described in this policy.

Retention Periods

• Course enrolment records: 7 years (to comply with Australian education record-keeping requirements)
• Payment information: 7 years (for tax and financial reporting purposes)
• Marketing communications data: Until you unsubscribe or request deletion
• Website analytics: 26 months (aggregated and anonymised)
• Customer support inquiries: 3 years after resolution

Deletion Procedures

When data reaches the end of its retention period, we securely delete or anonymise it. If you request deletion earlier, we'll remove your information unless we're legally required to keep it.

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance your experience and understand how you interact with our content.

Types of Cookies We Use

• Essential cookies: Required for basic site functionality (login sessions, security features)
  • Session management and authentication
  • Security and fraud prevention
• Performance cookies: Help us understand how visitors use our site
  • Page visit tracking and navigation patterns
  • Error reporting and site performance monitoring
• Functional cookies: Remember your preferences and settings
  • Language and region preferences
  • Personalised content display

You can control cookies through your browser settings. Blocking certain cookies might affect site functionality.

Children's Privacy

Our services target adults interested in financial education. We don't knowingly collect information from anyone under 18 without parental consent. If you're a parent who believes we've collected data from your child, contact us immediately at info@milafonqera.com so we can remove it.

International Data Transfers

Your information is primarily stored on servers located in Australia. Some of our service providers operate globally, which means your data might be transferred to or processed in other countries.

When we transfer data internationally, we ensure adequate protection through:

• Contractual agreements requiring equivalent privacy protection
• Verification that recipient countries have adequate privacy laws
• Implementation of standard data protection clauses

Changes to This Policy

We 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 "Last Updated" date at the top shows when we last revised this document. We encourage you to review this policy regularly. Continued use of our services after changes means you accept the updated terms.

Complaints and Disputes

If you have concerns about how we handle your personal information, please contact us first. We'll investigate and respond within 30 days.

Our Complaint Process

• Submit your complaint in writing to info@milafonqera.com
• We'll acknowledge receipt within 5 business days
• Our privacy officer will investigate your concerns
• You'll receive a written response with our findings and any actions taken

If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au or by calling 1300 363 992.