Privacy Policy
Your privacy matters to us. We're committed to protecting your personal information and being transparent about how we collect, use, and safeguard your data.
Effective Date: March 15, 2025
About This Privacy Policy
fomeralivonea operates under Australian Privacy Principles (APPs) as outlined in the Privacy Act 1988. This policy explains how we handle your personal information when you visit our website, use our creative budgeting education services, or interact with us in any capacity.
We've written this policy in plain English because privacy shouldn't be complicated. If you have questions after reading this, please reach out to us directly.
Information We Collect
Personal Information You Provide
Information We Collect Automatically
When you visit our website, we automatically collect certain technical information to improve your experience and understand how our site is used. This includes your IP address, browser type, device information, pages visited, and time spent on our site.
We use cookies and similar technologies to remember your preferences and provide personalised content. You can control cookie settings through your browser preferences.
How We Use Your Information
We use your personal information for specific, legitimate purposes that align with your expectations and our business needs:
| Purpose | Information Used | Legal Basis |
|---|---|---|
| Course delivery and education services | Contact details, educational preferences, payment information | Contract performance |
| Customer support and communication | Contact details, communication history | Legitimate business interest |
| Service improvement and development | Usage data, feedback, website analytics | Legitimate business interest |
| Marketing communications (with consent) | Contact details, preferences | Consent |
Information Sharing and Disclosure
We don't sell your personal information to third parties. We only share your information in specific circumstances:
We may also disclose your information if required by Australian law, court order, or to protect our legal rights and the safety of our users.
Your Privacy Rights
Under Australian privacy law, you have several important rights regarding your personal information:
Access Your Information
Request a copy of the personal information we hold about you. We'll provide this within 30 days of your request.
Correct Your Information
Ask us to update or correct any inaccurate or incomplete personal information we have on file.
Delete Your Information
Request deletion of your personal information, subject to legal and contractual obligations we may have.
Restrict Processing
Ask us to limit how we use your personal information in certain circumstances.
Withdraw Consent
Opt out of marketing communications or withdraw consent for data processing at any time.
File a Complaint
Lodge a complaint with the Australian Privacy Commissioner if you believe we've mishandled your information.
Data Security and Retention
We implement appropriate technical and organisational measures to protect your personal information against unauthorised access, alteration, disclosure, or destruction. This includes encrypted data transmission, secure server hosting, regular security updates, and limited access controls.
How Long We Keep Your Information
We retain your personal information only as long as necessary for the purposes outlined in this policy or as required by Australian law. Typically, this means:
- Course participants: 7 years after course completion for educational records
- Website visitors: 2 years for analytics and improvement purposes
- Marketing contacts: Until you unsubscribe or request deletion
- Financial records: 7 years as required by Australian taxation law
International Data Transfers
Some of our service providers may store or process your information outside of Australia. When this occurs, we ensure appropriate safeguards are in place through contractual agreements that require the same level of protection as provided under Australian privacy law.
We only transfer data to countries with adequate privacy protections or use approved transfer mechanisms to ensure your information remains secure.
Children's Privacy
Our services are designed for adults seeking financial education. We don't knowingly collect personal information from children under 13. If you're a parent or guardian and believe your child has provided us with personal information, please contact us immediately so we can remove that information.
Changes to This Privacy Policy
We may update this privacy policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We'll notify you of significant changes by email or through a prominent notice on our website.
We encourage you to review this policy periodically to stay informed about how we protect your information.
Contact Us About Privacy
If you have questions about this privacy policy, want to exercise your privacy rights, or have concerns about how we handle your personal information, we're here to help.
Email: contact@fomeralivonea.com
Phone: +61 408 437 338
Address: 6 Pankina St, Mount Louisa QLD 4814, Australia
We aim to respond to all privacy inquiries within 5 business days.