WHO ARE WE
This privacy policy applies to all Personal Information collected by Future Finances High School Academy Pty Ltd (A.C.N. 665 357 700) (we, us or our) when supplying the Future Finances software and services via or in connection with its website, application and/or platform (Future Finances Software).
PRIVACY POLICY STATEMENT
We are committed to protecting your privacy and Personal Information. This privacy policy explains what Personal Information is collected, retained, used and disclosed by us and how we manage that Personal Information. The kind of Personal Information that we collect from you will depend on how you use the Future Finances Software. We value your privacy and compliance with the Australian Privacy Principles and the Privacy Act 1988 (Cth) (Privacy Act).
This privacy policy relates to the collection and use of Personal Information that you may provide to us through the purchase and use of the Future Finances Software as well as use of our website, social media accounts or any other engagement that you have with us.
WHAT IS PERSONAL INFORMATION?
The Privacy Act defines “Personal Information” as meaning information or an opinion about an identified individual, or an individual who is reasonably identifiable:
• whether the information or opinion is true or not; and
• whether the information or opinion is recorded in a material form or not.
If the information does not disclose your identity or enable your identity to be ascertained, in most cases it will not be classified as “Personal Information” and will not be subject to this privacy policy.
“Personal Information” can be confidential, sensitive and or public.
“Sensitive Information” is defined in the Privacy Act as including information or opinion about such things as an individual’s racial or ethnic origin, political opinions, membership of a political association, religious or philosophical beliefs, membership of a trade union or other professional body, criminal record or health information.
WHAT PERSONAL INFORMATION DO WE COLLECT AND HOW DO WE COLLECT THAT INFORMATION?
We may collect Personal Information from you directly by a variety of means including:
• whenever you input personal information into our website, application or platform, as well as details that you provide us when retaining our services or making purchases with us. This includes details such as your name, phone number, email address, address and billing address;
• personal details of registered users, including name, email address, gender, user ID, location information and contact information;
• information you provide to us by way of enquiry, feedback, reviews and complaints;
• support information related to a request for assistance; and
• payment information provided when purchasing Future Finances Services, including credit/debit card details, banking details, and billing information so that we can process your purchase.
We may also collect Personal Information from you indirectly by the following means:
• information collected from you and your device when you interact with (including accessing, downloading or using) our website, application, platform or social media which may include your IP address, location, web browser settings and type, user profile and time zone;
• cookies from your computer which enable us to tell when you use our website, application and platform. As a general rule, however, it is not possible to identify you personally from our use of cookies; and
• if someone identifies you as a registered user on your behalf, your Personal Information may become available to us by that third party.
Our website, application and platform may contain links to third party internet sites or resources for your convenience and information. Each of these third party internet sites may collect Personal Information from you in accordance with their own privacy policies. We take no responsibility for third party internet sites practices or policies and are not liable for any loss or damage suffered from the use of these sites. You should refer to their own Privacy Policies.
WHY DO WE COLLECT PERSONAL INFORMATION?
We collect Personal Information for a variety of reasons. The primary purpose we collect and use your Personal Information is to provide you with the best product and service experience that we can, as well as improve Future Finances Software we offer.
We may also collect your Personal Information for the following purposes:
• to optimise the Future Finances Software that we provide to you and the means we provide it by, including to provide, operate, maintain and improve the Future Finances Software;
• send technical notices, updates, security alerts and support and administrative messages;
• to communicate, market and promote the Future Finances Software to you, including features, promotions surveys, newsletters, education, events and special offers, catalogues and provide other news or information about us;
• personalise and otherwise customise your experience;
• monitor and analyse trends, usage and activities in connection with the Future Finances Software and for marketing and advertising purposes;
• to enable us to address your expectations and any questions or comments that you may have of us in respect of how we conduct our business and to provide you with customer service and support;
• to screen for potential risk and fraud, as well as investigate and prevent unauthorised transactions and access to the Future Finances Software and other unlawful conduct;
• to comply with our legal, recording, compliance and regulatory obligations; and
• to defend or enforce our legal rights in legal proceedings. We will refer to all of the above purposes as Permitted Purposes.
WHO DO WE GIVE YOUR PERSONAL INFORMATION TO?
We will only use the Personal Information that you provide to us for the Permitted Purposes.
We will only disclose Personal Information about you when it is necessary and appropriate for the Permitted Purposes.
We may disclose your Personal Information in the following circumstances:
• to third party contractors, customers, suppliers, dealers and service providers who help us to operate our business and provide the Future Finances Software to you or registered users; and
• with regulators, government bodies, fraud or crime prevention agencies and where it is reasonably necessary for a legal purpose or dispute resolution process or as required by law.
We will not give your Personal Information to any other third parties without your prior consent, except when it is reasonably necessary for a legal purpose or dispute resolution process or required by law, or to protect our rights, safety or property.
We do not sell your Personal Information to others.
OVERSEAS TRANSFERS
We will not disclose your Personal Information to recipients outside Australia under any circumstances.
HOW DO WE HOLD YOUR PERSONAL INFORMATION AND KEEP IT SECURE?
We keep your Personal Information stored in both electronic form (using our IT systems or the IT systems of third party providers required to provide you with the Future Finances Software), as well as in paper form (when it is provided to us or prepared by us in hard copy).
We take reasonable and appropriate steps to protect and safeguard your Personal Information. The electronic and procedural safeguards we have in place to manage security risks associated with your Personal Information include the use of password protection.
We will also only allow access to your Personal Information by those persons who have been authorised by us.
Unfortunately, no data transmission can be totally secure, and we cannot guarantee that unauthorised access to your Personal Information will not occur. Any Personal Information you provide us will be provided at your own risk and subject to the mandatory operation of law; we are not liable for events arising from any unauthorised access to your Personal Information. However, if you become aware of a security breach involving your Personal Information please contact us.
CAN YOU GAIN ACCESS TO YOUR PERSONAL INFORMATION AND CORRECT IT?
You have the right to request access to any Personal Information that we hold about you. You also have the right to request the correction of any Personal Information that we hold about you.
If you would like details of the Personal Information that we hold about you in order to update it, correct it or for any other reason please forward a written request to our Privacy Officer whose contact details are set out below.
Privacy Officer: James Adcock
Email: james@futurefinances.com.au
We may ask you to complete a Personal Information request. Once a request has been made, the Privacy Officer will aim to contact you within 5 business days.
We will require you to satisfy identity validation procedures to prove that you are the individual requesting the Personal Information.
The process for access and correction of your Personal Information may also be available to you under the Freedom of Information Act 1991 (SA).
HOW CAN YOU CONTACT US WITH ANY QUESTIONS OR MAKE A COMPLAINT?
If you have any questions, comments or concerns about our Privacy Policy and how we deal with your Personal Information or would like to make a complaint, please contact our Privacy Officer.
The Privacy Officer will treat any request or complaint respectfully and confidentially. Once a request or complaint has been made our Privacy Officer will contact you within 5 business days. We are committed to working with you to resolve any concerns or complaints in an effective and timely manner.
If you are not satisfied with the outcome or the way in which we have handled your request or complaint, you may be able to make a complaint to the Office of Australian Information Commissioner (OAIC) who is an impartial third party. OAIC’s details and information on about making a complaint can be found at the website below.
https://www.oaic.gov.au/privacy/privacy-complaints
CHANGES TO OUR PRIVACY POLICY
We do not expect to make changes to this privacy policy regularly, however we reserve the right to do so at any time to reflect changes in the way we collect and manage your Personal Information and to accommodate any changes required by law. Changes to our privacy policy will take effect when they are published on our website.
This privacy policy was last updated in August 2024.