Information We Collect

When you work with us, we gather different types of information depending on how you interact with our services. Here's what that actually looks like in practice:

Personal Details You Provide

When you contact us or sign up for our learning programs, you share information directly. This includes your name, email address, phone number, and physical address. If you're enrolling in a program, we'll also collect payment details and any specific information about your financial situation that helps us tailor our approach.

Automatic Collection

Like most websites, we automatically gather technical information when you visit feromaxlin.com. Your IP address, browser type, device information, and pages you visit help us understand how people use our site and where we can improve.

• Device identifiers and operating system details
• Time stamps of your visits and session duration
• Referring websites and search terms used
• Click patterns and navigation paths through our site

How We Use Your Information

We're not collecting data just to have it. Everything we gather serves a specific purpose related to helping you with financial recovery strategies. Here's the breakdown:

We occasionally send emails about new resources or program updates. You can opt out anytime – there's an unsubscribe link at the bottom of every email we send.

Data Storage and Security

Your information lives on secure servers located in Australia. We use industry-standard encryption for data transmission and storage, though honestly, no system is 100% foolproof. We do our best with:

• SSL/TLS encryption for all data transfers
• Regular security audits and vulnerability assessments
• Access controls limiting who can view your information
• Secure backup systems with encrypted storage
• Employee training on data protection practices

Sharing Your Information

We're not in the business of selling your data. Period. But we do share information in specific circumstances that help us provide our services:

Service Providers

Some trusted third parties help us run our operations – payment processors, email service providers, hosting companies. These partners only access information necessary to perform their specific functions and are contractually obligated to protect your data.

Legal Requirements

If Australian law requires us to disclose information, or if we need to protect our legal rights, we may share your data with authorities or legal representatives. This isn't something we take lightly – it only happens when legally necessary.

Business Transfers

Should feromaxlin be acquired or merge with another organization, your information may transfer to the new entity. You'd be notified beforehand if this happens.

Your Rights Under Australian Privacy Law

The Australian Privacy Act gives you specific rights regarding your personal information. Here's what you can do:

• Access: Request a copy of all personal information we hold about you
• Correction: Ask us to fix inaccurate or incomplete information
• Deletion: Request removal of your data, subject to legal retention requirements
• Restriction: Limit how we process certain information in specific circumstances
• Portability: Receive your data in a commonly used format to transfer elsewhere
• Objection: Object to processing based on legitimate interests or direct marketing

To exercise any of these rights, contact us using the details below. We'll respond within 30 days, though complex requests might take a bit longer. There's no fee for most requests – we only charge for excessive or clearly unfounded requests.

Cookies and Tracking

Our website uses cookies – small text files stored on your device. Some are essential for the site to work properly. Others help us understand visitor behavior and improve your experience.

Types of Cookies We Use

Essential cookies keep you logged in and remember your preferences during a session. These can't be disabled without breaking site functionality.

Analytics cookies show us which pages get visited most, how long people stay, and where they click. This helps us figure out what content is actually useful and what needs work.

You can control cookies through your browser settings. Keep in mind that blocking certain cookies might affect how our site works for you.

Data Retention

We keep your information as long as necessary to provide services and comply with Australian regulations. Here's our general approach:

• Active user accounts: Retained while your account remains active
• Course completion records: Kept for 7 years per educational record-keeping standards
• Financial transaction data: Maintained for 7 years as required by tax regulations
• Marketing communications: Stored until you unsubscribe, then removed within 30 days
• Website analytics: Aggregated data retained indefinitely, individual user data for 26 months

After retention periods expire, we securely delete or anonymize your information. If you close your account, we'll remove personal data within 90 days, except where legal requirements demand longer retention.

Children's Privacy

Our services target adults dealing with financial challenges. We don't knowingly collect information from anyone under 18. If you're a parent who discovers your child has provided us with personal information, contact us immediately and we'll delete it.

International Data Transfers

Your data primarily stays within Australia. However, some of our service providers operate servers in other countries. When information leaves Australia, we ensure adequate protections are in place through:

• Standard contractual clauses approved for international transfers
• Verification that receiving countries have adequate privacy protections
• Additional security measures during transmission and storage

Changes to This Policy

We review this privacy policy regularly and update it when our practices change or regulations evolve. Significant changes will be announced via email and prominently displayed on our website. The "last updated" date at the top shows when we made the most recent modifications.

Continuing to use our services after changes take effect means you accept the updated policy. If you don't agree with modifications, you can close your account by contacting us.

Complaints and Disputes

If you're unhappy with how we've handled your personal information, let us know first. We'll work to resolve your concern promptly and fairly. If you're not satisfied with our response, you have the right to lodge a complaint with the Office of the Australian Information Commissioner (OAIC).