yernalipover

Shaping your financial mindset for lasting change

Privacy Policy

Effective Date: 15 January 2025

At yernalipover, we're serious about protecting your privacy. This policy explains how we collect, use, and safeguard your personal information when you interact with our budget psychology education services.

We operate under Australian privacy laws, including the Privacy Act 1988 and the Australian Privacy Principles (APPs). If something here doesn't make sense or you have questions, reach out. We'd rather explain it plainly than hide behind legal jargon.

What Information We Collect

We only collect information that helps us provide better educational services and support your learning journey. Here's what that looks like in practice:

Information You Give Us Directly

  • Name and contact details when you enquire about programs or sign up for courses
  • Educational background and professional experience when you apply to our learning programs
  • Payment information when you enrol in paid courses (processed securely through our payment partners)
  • Communication preferences and any specific learning needs you share with us
  • Feedback, questions, and responses you submit through our contact forms or course evaluations

Information We Collect Automatically

When you visit our website, we collect some technical information to keep things running smoothly and understand how people use our site:

  • Browser type, device information, and IP address
  • Pages you visit and how long you spend on them
  • Referring website and search terms that brought you to us
  • Technical data about your connection and system performance

How We Use Your Information

Everything we collect serves a specific purpose. We're not in the business of hoarding data for the sake of it.

Purpose What This Means
Program Delivery Managing enrolments, providing course materials, tracking your progress, and issuing certificates
Communication Responding to enquiries, sending course updates, and sharing relevant educational resources
Payment Processing Handling transactions, issuing receipts, and managing refunds when applicable
Service Improvement Understanding how students use our programs and making informed decisions about content updates
Legal Compliance Meeting our obligations under Australian education and business regulations

Marketing Communications: We'll only send you promotional emails if you've opted in. Every message includes an easy unsubscribe option. We don't bombard people with sales pitches—that's not our style.

Who We Share Information With

We don't sell your data. Period. But we do work with trusted partners who help us run our educational programs:

  • Payment Processors: Secure financial services that handle transactions on our behalf
  • Technology Providers: Companies that host our website, manage our email systems, and provide learning platforms
  • Educational Partners: Institutions or experts who contribute to specific programs (only when relevant to your enrolment)
  • Legal and Regulatory Bodies: Australian government agencies when required by law

All our partners are bound by confidentiality agreements and must comply with Australian privacy standards. We only share what's necessary for them to do their job.

Your Privacy Rights

Australian privacy law gives you real control over your personal information. Here's what you can do:

Access Your Data

Request a copy of the personal information we hold about you. We'll provide it within 30 days.

Correct Inaccuracies

If something we have on file is wrong or outdated, let us know and we'll fix it promptly.

Request Deletion

Ask us to delete your information, subject to any legal or contractual obligations we need to fulfill.

Withdraw Consent

Change your mind about marketing emails or other optional communications anytime.

Lodge a Complaint

If you're unhappy with how we've handled your data, file a formal complaint with us or the OAIC.

Restrict Processing

Limit how we use certain information while we sort out any concerns you've raised.

To exercise any of these rights, contact our privacy team using the details at the bottom of this page. We take these requests seriously and respond as quickly as we can.

How We Protect Your Information

Security isn't just a checkbox for us. We take practical steps to keep your data safe:

  • Encrypted connections (SSL/TLS) for all data transmitted to and from our website
  • Secure servers located in Australia with regular security updates and monitoring
  • Access controls that limit who on our team can view personal information
  • Regular backups to prevent data loss from technical failures
  • Staff training on privacy practices and data handling procedures

That said, no system is 100% bulletproof. We do our best, but internet transmission always carries some inherent risk. If we ever experience a data breach that affects you, we'll notify you and the relevant authorities as required by law.

How Long We Keep Your Data

We don't keep information longer than necessary. Here's our general approach:

  • Student Records: Seven years after course completion (required by Australian education regulations)
  • Financial Records: Seven years from transaction date (required by Australian tax law)
  • Marketing Data: Until you unsubscribe or ask us to delete it
  • Website Analytics: Aggregated and anonymized after 26 months
  • Enquiry Information: Two years if you don't enrol, then deleted

Once retention periods expire, we securely delete or anonymize your information so it can't be traced back to you.

Cookies and Tracking

Our website uses cookies—small files stored on your device that help the site function properly. We use them sparingly:

  • Essential Cookies: Required for basic site functions like logging in and remembering your preferences
  • Analytics Cookies: Help us understand which content is useful and where we need to improve
  • Performance Cookies: Monitor site speed and reliability so we can fix technical issues

We don't use advertising cookies or share cookie data with third-party advertisers. You can disable cookies in your browser settings, though some site features might not work properly without them.

International Data Transfers

We primarily store data within Australia using Australian-based service providers. Occasionally, we work with international partners (like cloud services with global infrastructure) who may process data outside Australia.

When this happens, we ensure these providers meet Australian privacy standards or operate in countries with comparable protections. We use contractual safeguards to maintain the same level of protection your data would receive here.

Children's Privacy

Our programs are designed for adults aged 18 and over. We don't knowingly collect information from anyone under 18. If we discover we've inadvertently collected data from a minor, we'll delete it immediately.

If you're a parent or guardian and believe your child has provided us with personal information, please contact us right away.

Changes to This Policy

We update this policy occasionally to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you by email if you're enrolled in a program, or post a notice on our website.

The "Effective Date" at the top shows when this version came into effect. Previous versions are available on request if you want to see what's changed.

Third-Party Links

Our website occasionally links to external resources, partner sites, or educational tools. We're not responsible for the privacy practices of these third parties. When you click an external link, you're subject to that site's privacy policy—not ours.

We try to link only to reputable sources, but it's worth checking their privacy information before sharing personal details elsewhere.

Questions or Concerns?

If anything in this policy is unclear, or if you want to exercise your privacy rights, we're here to help.

Privacy Officer, yernalipover

Shop 11 Orange Metro Plaza, Summer St, Orange NSW 2800, Australia

Email: contact@yernalipover.com

Phone: +61 7 5545 1874

You also have the right to lodge a complaint with the Office of the Australian Information Commissioner (OAIC) if you're not satisfied with how we've handled your privacy concerns.