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Privacy Policy

Last updated:

31 August 2026

Effective from:

31 August 2026

This policy explains what personal information Finance Wellness Co. collects, why we collect it, who we share it with, and what you can do about it. It is written to be read rather than skimmed past. If anything here is unclear, contact us at info@financewellness.com.au and we will explain it.

1. Who we are

Finance Wellness Co. (ABN 23 249 435 913) is based in Victoria, Australia. In this policy, "we", "us" and "our" mean Finance Wellness Co., and "you" means anyone who visits our website, subscribes to our newsletter, downloads a resource, or contacts us.

We are an educational publisher. We do not hold an Australian Financial Services Licence (AFSL), we do not provide personal financial advice, and we do not collect the detailed financial information a licensed adviser would.

We handle personal information in line with the Australian Privacy Principles (APPs) contained in the Privacy Act 1988 (Cth).

2. What we collect

Information you give us directly

  • Email address: When you subscribe to The Note or download a free resource.

  • Name: Optional wherever requested.

  • Direct communications: Anything you submit via our contact form or email.

  • Purchase information: When you buy a digital product, payments are processed by our third-party payment gateway. We receive confirmation of successful payment along with necessary fulfillment details (name, email, billing address). We never see or store full credit card numbers.

Information collected automatically when you visit:

  • Technical details: IP address, approximate geographical location (city or region level), browser type, device type, and operating system.

  • Usage data: Pages visited, duration, timestamps, and referring URLs.

  • Email engagement: Open rates and link clicks within our emails.

Unsolicited Information & Exclusions (APP 4 compliance):

We do not ask for tax file numbers, bank account numbers, passwords, account balances, or dates of birth. If you send us unsolicited personal or financial information that we do not require to provide our services, we will securely destroy or deidentify it as soon as practicable, as required under APP 4, provided it is lawful and reasonable to do so.

We do not knowingly collect sensitive information as defined by the Privacy Act (e.g., health data, racial or ethnic origin, political opinions, religious beliefs, sexual orientation, or criminal records).

3. Why we collect it

We collect personal information solely to:

  • Send you The Note and any requested digital resources;

  • Deliver and manage access to digital products you purchase;

  • Respond to customer inquiries;

  • Understand which educational content resonates best with our audience;

  • Maintain site security, prevent abuse, and ensure proper technical operation; and

  • Comply with applicable legal, accounting, and reporting obligations.

We do not build behavioral profiles for third-party advertising, nor do we run external ad networks on our site

4. Email, and how consent works

We only send newsletters or promotional emails if you explicitly requested them. Entering your email address constitutes express consent under the Spam Act 2003 (Cth) to receive The Note and related educational communications.

  • Every email we send identifies us and includes a working unsubscribe link.

  • Unsubscribing takes one click and takes effect within five working days at the outside — in practice, immediately.

  • We never add anyone to our list because they contacted us, bought something, or appeared on a list we obtained somewhere else.

  • We do not sell, rent, trade or share your email address, and we don't provide it to advertisers or data brokers.

  • If you unsubscribe, we retain a minimal suppression record solely to ensure you are not re-added accidentally.

If you unsubscribe, we keep a minimal record of the unsubscribe itself. That's how we make sure we don't accidentally email you again.

5. Cookies and analytics

Our website uses cookies and similar technologies for two purposes:

  • Necessary cookies, which make the site work — remembering your preferences, keeping forms secure, and giving you access to anything you've bought. The site can't function without these.

  • Analytics cookies, which tell us how many people visited a page and roughly where they came from. We use this to work out which explanations land and which don't. [FILL IN: name your analytics tool — e.g. Google Analytics 4, Fathom, Plausible. If you use a privacy-focused, cookieless tool such as Fathom or Plausible, say so here plainly and delete the consent-banner reference below, because it becomes a genuine and unusual selling point on a brand like this one.]

You can block or remove cookies at any time via your web browser settings. Disabling necessary cookies may limit website functionality

6. Who We Share Data With

e share personal information strictly with operational service providers required to deliver our services. These providers are bound by strict contractual obligations and privacy laws:

PROVIDER
Purpose
Data Handled
Wix
Website hosting & infrastructure
Site visit telemetry, form submissions
Kit
Newsletter & email delivery
Email address, optional name, open/click metrics
Stripe
Payment processing
Billing details, transaction confirmations
Fathom Analytics
Website analytics
Anonymized usage data, general site metrics

We do not authorize service providers to use your personal information for their own marketing purposes. We will disclose personal information outside these services only if required by court order, law enforcement, or to prevent a serious threat to life or safety. In the event of a business sale or merger, subscribers will be notified prior to any transfer of data control.

7. International Data Transfers

Some service providers process and store data on servers located outside Australia—primarily in the United States and the European Union.

Pursuant to APP 8 (Cross-border Disclosure of Personal Information), we take reasonable steps to ensure overseas recipients handle your personal information in compliance with the APPs, relying on established platforms that maintain strong security certifications and contractual data protection standard terms.

8. Security Measures

We implement standard security protocols including HTTPS encryption, multi-factor authentication (MFA) on systems storing personal data, and strict access controls.

If a data breach occurs that is likely to cause serious harm, we will promptly notify affected individuals and the Office of the Australian Information Commissioner (OAIC) in accordance with the Notifiable Data Breaches (NDB) scheme.

9. Data Retention

  • Subscriber Records: Retained for the duration of your active subscription. Suppression records are maintained indefinitely upon unsubscribing to ensure compliance

  • Contact Submissions: Retained for 24 months, then permanently deleted.

  • Tax & Financial Transaction Records: Retained for 5 years to satisfy Australian tax legislation requirements.

  • Analytics Logs: Retained for up to 14 months before automated deletion.

10. Access and Correction Rights

You have the right to:

  • Request access to the personal information we hold about you;

  • Request corrections to inaccurate, incomplete, or out-of-date information;

  • Request deletion of your personal data (subject to legal retention mandates); and

  • Request a copy of the data you provided to us

We respond to all verified access and correction requests within 30 days without charge. Requests can be directed to info@financewellness.com.au.

11. Complaints Procedure

If you believe your privacy has been compromised or mishandled:

1. Email us at info@financewellness.com.au. We will acknowledge receipt within 5 business days and provide a formal response within 30 days.

2. If unresolved, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC):

  • Web: oaic.gov.au

  • Phone: 1300 363 992

  • Post: GPO Box 5218, Sydney NSW 2001

12. International Users (GDPR & UK GDPR Notice)

While our operations and content are primarily directed at residents of Australia, we process personal data of visitors located in the European Union (EU) and United Kingdom (UK) in compliance with the General Data Protection Regulation (GDPR / UK GDPR):

  • Lawful Basis for Processing: We process personal data under the lawful bases of Consent (for newsletter sign-ups), Contractual Necessity (to deliver purchased products), and Legitimate Interests (for basic analytics and maintaining site security).

  • Data Subject Rights: If you reside in the EU or UK, you hold rights to data portability, restriction of processing, erasure ("Right to be Forgotten"), and the right to object to processing. You may exercise these rights at any time by contacting us.

  • Supervisory Authorities: You have the right to lodge a complaint with your local EU Data Protection Authority or the UK Information Commissioner's Office (ICO).

13. Children's Privacy

Our platform is not directed at children. We do not knowingly collect personal information from individuals under 15 years of age. If a parent or guardian discovers a minor has submitted personal data to us, please notify us immediately for prompt removal.

14. Automated Decision-Making

We do not use automated decision-making or profiling algorithms that produce legal or similarly significant effects on you. We utilize standard subscriber segmentation based on topic preferences solely to tailor email content relevance.

15. Policy Updates

We review and update this policy periodically. Revisions will be reflected in the "Last updated" date at the top of this page. Material changes affecting data handling will be communicated directly to subscribers via email prior to implementation.

16. Contact Details

For all privacy-related inquiries, access requests, or complaints:

Finance Wellness Co.

ABN: 23 249 435 913

Address: 538 New Street, Brighton, VIC 3186, Australia

Email: info@financewellness.com.au

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