Privacy Policy
Your privacy matters to us. This policy explains how senaeonlo collects, uses, and protects your personal information when you use our budget surplus management services.
Information We Collect
When you engage with our financial education services, we collect various types of information to provide you with personalised budget management guidance and educational resources.
Personal Information
- Full name, email address, and phone number for account registration
- Mailing address for programme materials and correspondence
- Financial information relevant to budget planning and surplus management
- Educational background and experience level with financial planning
- Communication preferences and accessibility requirements
Technical Data
- IP address, browser type, and device information
- Website usage patterns and page interaction data
- Login times and session duration for our learning platform
- Progress tracking data for educational modules
Australian Privacy Principles Compliance: We collect personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles. All data collection serves specific, legitimate purposes related to our educational services.
How We Use Your Information
Your personal information helps us deliver effective financial education and support your journey toward better budget surplus management.
Educational Services
- Customising learning materials based on your experience level
- Tracking progress through our structured curriculum
- Providing personalised feedback on budget management strategies
- Sending relevant educational resources and programme updates
Communication and Support
- Responding to enquiries about our programmes and services
- Sending programme notifications and important updates
- Conducting surveys to improve our educational offerings
- Providing technical support for our online learning platform
| Data Type | Primary Use | Retention Period |
|---|---|---|
| Contact Information | Programme delivery and communication | 7 years after programme completion |
| Financial Data | Educational case studies and examples | 2 years after programme completion |
| Learning Progress | Tracking and certification | 10 years for certification records |
| Website Analytics | Service improvement | 24 months from collection |
Data Sharing and Third Parties
We maintain strict controls over who has access to your personal information. Any sharing occurs only with your consent or where required by law.
Authorised Service Providers
- Cloud hosting services for secure data storage and platform access
- Email service providers for programme communications
- Payment processors for course fees and programme payments
- Educational technology partners for specialised learning tools
Legal Requirements
We may disclose personal information where required by Australian law, including responses to court orders, regulatory investigations, or law enforcement requests. Such disclosures are made only to the extent legally required.
Your Privacy Rights
Under Australian privacy law, you have several rights regarding your personal information. We make it straightforward to exercise these rights.
Access and Correction
- Request a copy of all personal information we hold about you
- Correct any inaccurate or outdated information in our records
- Update your communication preferences at any time
- Request details about how your information has been used or shared
Data Portability and Deletion
- Export your learning progress and programme data in a standard format
- Request deletion of personal information no longer needed for our services
- Withdraw consent for marketing communications
- Close your account and remove associated personal data
Processing Your Requests: We respond to privacy requests within 30 days. For complex requests requiring extensive data retrieval, we may extend this timeframe to 60 days with notification.
Data Security and Protection
We employ comprehensive security measures to protect your personal information from unauthorised access, alteration, disclosure, or destruction.
Technical Safeguards
- SSL/TLS encryption for all data transmission to and from our servers
- Regular security audits and vulnerability assessments
- Multi-factor authentication for staff accessing personal data
- Automated backup systems with encrypted storage
- Intrusion detection and monitoring systems
Organisational Measures
- Staff privacy training and regular updates on data protection practices
- Restricted access policies ensuring staff see only necessary information
- Regular review of data retention policies and secure deletion procedures
- Incident response procedures for potential data breaches
International Data Transfers
While our primary operations are based in Australia, some of our service providers may process data internationally. We ensure appropriate safeguards are in place for any overseas data transfers.
Approved Countries and Regions
- Cloud services hosted in Australia and New Zealand for local data residency
- Backup systems located in Singapore with equivalent privacy protections
- Email services through providers with Australian data centres
- Analytics services with data processing agreements limiting international access
Any international transfers comply with Australian Privacy Principle 8, ensuring recipient countries or organisations provide substantially similar privacy protections to those available in Australia.
Cookies and Website Analytics
Our website uses cookies and similar technologies to improve your browsing experience and help us understand how you interact with our educational content.
Types of Cookies We Use
- Essential cookies: Required for basic website functionality and account access
- Performance cookies: Help us understand which pages are most useful to visitors
- Functional cookies: Remember your preferences and personalise your experience
- Analytics cookies: Provide insights into website usage patterns for service improvement
You can control cookie settings through your browser preferences. However, disabling certain cookies may limit your ability to use some website features or access your learning dashboard.
Updates to This Policy
We review and update this privacy policy annually or when significant changes occur to our data handling practices. Material changes are communicated directly to programme participants.
Change Notification Process: We'll email registered users about significant policy updates at least 30 days before implementation. Continued use of our services after the effective date constitutes acceptance of the updated policy.
Version History
- Version 3.0: February 2025 - Enhanced data security measures and expanded user rights
- Version 2.1: August 2024 - Updated international transfer provisions
- Version 2.0: March 2024 - Comprehensive review following regulatory updates
Privacy Questions or Concerns?
Our Privacy Officer is available to help with any questions about this policy or your personal information.
Email: support@senaeonlo.com
Phone: +61262825660
Mail: 31 Birch St, Marsden QLD 4132, Australia
We aim to respond to all privacy enquiries within 5 business days.
Last Updated: February 15, 2025
This policy is effective immediately and supersedes all previous versions.