Privacy Policy
Last Updated: March 2025
At selitharno, we're straight with you about your data. This policy explains what we collect, why we need it, and how we keep it safe. We operate under Australian privacy laws, including the Privacy Act 1988 and Australian Privacy Principles. If you've got questions after reading this, get in touch.
Information We Collect
We gather different types of information depending on how you interact with our budget contingency planning services. Here's what that looks like in practice.
Personal Details You Provide
When you sign up for our learning program or contact us, you'll share some basic information. We collect your name, email address, phone number, and postal address. Sometimes we'll ask about your business type or financial planning experience. This helps us tailor our resources to actually fit your situation.
Account Information
Your login credentials, preferences, and program enrollment details. We store this securely so you can access your learning materials whenever you need them.
Communication Records
Emails, phone calls, and messages you send us. We keep these to provide better support and remember what you've asked about previously.
Financial Information
Payment details for course fees. We use secure payment processors and don't store full credit card numbers on our systems.
Automatically Collected Data
Like most websites, we collect some technical information automatically. Your IP address, browser type, device information, and which pages you visit. This helps us understand how people use our site and where we need to improve things.
- Device identifiers and operating system details
- Browsing patterns and time spent on different pages
- Referral sources and search terms used to find us
- Session information including timestamps and interactions
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 delivering our educational services.
Educational Services
Your information lets us provide the learning program you've enrolled in. We use it to send course materials, track your progress, and communicate important updates about your program. When autumn 2025 programs start, we'll use your contact details to send enrollment information and schedules.
Program Delivery: We analyze how students interact with our materials to improve content quality. If lots of people struggle with a particular module, that tells us we need to rework that section. Your usage patterns help us make better educational resources.
Communication and Support
When you reach out with questions, we use your contact information to respond. We might also send you updates about new resources, program changes, or industry developments relevant to budget contingency planning. You can opt out of marketing emails anytime, but we'll still need to send essential service messages.
Service Improvement
Website analytics help us understand what's working and what isn't. We look at which resources get used most, where people drop off, and what content gets the best feedback. This guides our decisions about where to invest time in creating new materials.
Data Sharing and Third Parties
We don't sell your personal information. Full stop. But we do work with some third-party services to run our business effectively.
| Service Type | Purpose | Data Shared |
|---|---|---|
| Payment Processors | Handle course fee transactions securely | Name, email, payment information |
| Email Service Providers | Send course materials and communications | Email address, name, enrollment status |
| Analytics Platforms | Understand website usage patterns | Anonymized browsing data, device info |
| Cloud Storage | Store course materials and user data securely | Account details, learning progress |
Legal Requirements
Sometimes we're required by law to share information. This might happen if we receive a valid court order or need to comply with Australian legal obligations. We'll always verify the legitimacy of such requests before sharing anything.
Your Privacy Rights
Under Australian privacy law, you've got several rights when it comes to your personal information. Here's what you can do and how to do it.
Access Your Information
You can request a copy of the personal data we hold about you. We'll provide this within 30 days. Sometimes we might need to verify your identity first, especially if the request comes through a channel we don't usually hear from you on.
Correction and Updates
Got a new email address? Changed your phone number? You can update your details anytime through your account settings. If you notice something incorrect in your records, let us know and we'll fix it promptly.
Data Portability: You can request your data in a commonly used format if you want to move it elsewhere. This includes your learning progress, course completion records, and any content you've created within our platform.
Deletion Requests
Want us to delete your information? You can request this anytime. We'll comply unless we're legally required to keep certain records (like financial transaction data for tax purposes). Even after deletion, some anonymized data might remain in backups for a limited time.
- Right to access your personal information
- Right to correct inaccurate data
- Right to request deletion of your information
- Right to object to certain data processing
- Right to lodge a complaint with the Office of the Australian Information Commissioner
Data Security Measures
We take reasonable steps to protect your information from unauthorized access, loss, or misuse. Our security measures include both technical and organizational safeguards.
Technical Protections
All data transmitted between your browser and our servers is encrypted using industry-standard SSL/TLS protocols. We store sensitive information in encrypted databases with restricted access. Our systems undergo regular security updates and vulnerability assessments.
Access Controls
Only authorized staff members can access personal information, and only when they need it to do their jobs. We use role-based access controls, meaning different team members see different levels of data depending on their responsibilities.
Incident Response: If we ever experience a data breach that might affect your information, we'll notify you within the timeframes required by Australian law. We'll explain what happened, what data was involved, and what steps we're taking to address it.
Data Retention
We don't keep your information forever. How long we retain data depends on what it's for and what the law requires.
Active Users
While you're actively using our services, we keep your account information and learning progress. This lets you pick up where you left off and maintains your enrollment records.
Inactive Accounts
If you haven't logged in for 36 months, we'll send you a reminder email. After 48 months of inactivity, we may delete your account unless you have ongoing legal or financial obligations with us. You'll get advance notice before any deletion occurs.
Financial Records
Australian tax law requires us to keep financial records for seven years. This includes payment information and transaction history. After that period, we securely delete these records unless there's an ongoing legal reason to retain them.
Cookies and Tracking
We use cookies and similar technologies to make our website work properly and understand how people use it. You can control cookie settings through your browser.
Essential Cookies
These keep the site functioning. They remember your login status and maintain your session. Without these, core features wouldn't work.
Analytics Cookies
Help us understand which pages are popular and where people encounter problems. We use this to improve the user experience.
Preference Cookies
Remember your settings and preferences so you don't have to set them every time you visit. These are optional.
Most browsers let you refuse cookies or alert you when they're being sent. Keep in mind that some features might not work properly if you disable certain cookies.
Children's Privacy
Our services are designed for adults engaged in business and financial planning. We don't knowingly collect information from anyone under 18. If you're a parent and believe your child has provided us with personal information, contact us and we'll delete it.
International Data Transfers
We're based in Australia and primarily serve Australian clients. However, some of our service providers operate servers in other countries. When we transfer data internationally, we ensure appropriate safeguards are in place.
These safeguards might include standard contractual clauses, adequacy decisions by the Australian government, or other mechanisms recognized under Australian privacy law. Your data won't be transferred to jurisdictions without adequate protection measures.
Policy Changes
We review and update this privacy policy periodically. When we make changes, we'll update the "Last Updated" date at the top. For significant changes, we'll send you a notification through email or a prominent notice on our website.
Continuing to use our services after changes take effect means you accept the updated policy. If you disagree with changes, you can close your account before they come into force.
Privacy Questions and Concerns
If something in this policy isn't clear or you have questions about how we handle your information, reach out to us. We're here to help.