Privacy Policy
Last Updated: March 2025
At Nexfox Pul, we take your privacy seriously. This policy explains how we handle information about you when you use our investment awareness education services. We operate from our office in Tweed Heads, New South Wales, and we comply with Australian privacy laws — specifically the Privacy Act 1988 and the Australian Privacy Principles.
Look, privacy can get complicated. But we'll try to keep this straightforward. If something isn't clear, just reach out. We'd rather answer your questions than have you confused about what happens with your information.
What Information We Collect
Information You Give Us Directly
When you sign up for our learning programs or contact us, we collect what you provide:
- Your name and contact details (email, phone number)
- Mailing address if you're enrolling in a program
- Payment information when you purchase study materials
- Learning preferences and educational background you share with us
- Messages you send through our contact forms or email
Information We Collect Automatically
Our website gathers some technical data when you visit. This helps us understand how people use the site and where we can improve things:
- Your IP address and general location (city level, not your exact address)
- Browser type and device information
- Pages you visit and how long you spend on them
- Links you click and resources you download
- Date and time of your visits
We don't collect sensitive personal information like health records, financial account details, or government identifiers unless absolutely necessary for a specific service — and we'd tell you explicitly why we need it.
How We Use Your Information
We use the information we collect for running our education programs and improving what we offer. Here's what that looks like in practice:
Running Our Services
- Processing your enrollment in learning programs
- Sending you study materials and course updates
- Answering your questions and providing support
- Managing payments and sending receipts
- Keeping track of your progress through programs you've enrolled in
Improving Our Offerings
- Understanding which topics interest people most
- Figuring out how to make our website easier to use
- Developing new study materials based on what learners need
- Identifying technical problems and fixing them
Staying in Touch
We'll send you emails about programs you've enrolled in and updates to materials you've downloaded. Sometimes we'll share information about new programs or resources that might interest you — but you can opt out of these at any time.
Who We Share Information With
We don't sell your information. That's not our business model, and frankly, we find the practice distasteful. But we do work with some third parties to deliver our services:
| Service Type | Purpose | Data Shared |
|---|---|---|
| Payment Processors | Handle course payments securely | Payment details, billing address |
| Email Service Providers | Send course materials and updates | Email address, name, enrollment data |
| Website Hosting | Keep our site running and secure | Technical data, IP addresses |
| Analytics Services | Understand website usage patterns | Browsing data, anonymized statistics |
All these partners are bound by contracts to protect your information and use it only for the specific purposes we've hired them for. We choose providers who take security seriously and comply with Australian privacy standards.
We might share information if required by Australian law, court orders, or government requests. We'll notify you if this happens unless legally prohibited from doing so.
Your Rights Under Australian Law
The Australian Privacy Principles give you specific rights about your personal information. Here's what you can do:
Access Your Information
You can request a copy of the personal information we hold about you. We'll provide it within 30 days, usually at no charge.
Correct Inaccuracies
If something we have on file is wrong or outdated, let us know. We'll fix it promptly and notify anyone we've shared that information with.
Request Deletion
You can ask us to delete your information, subject to some legal limitations. For example, we might need to keep payment records for tax purposes.
Opt Out of Marketing
Every marketing email includes an unsubscribe link. Click it, and we'll stop sending promotional messages (though we'll still send essential service emails).
Restrict Processing
You can ask us to limit how we use your information in certain situations, like when you're disputing its accuracy.
Lodge a Complaint
If you're unhappy with how we've handled your information, contact us first. If you're still unsatisfied, you can complain to the Office of the Australian Information Commissioner.
How to Exercise Your Rights
Email us at [email protected] with your request. We'll need to verify your identity before processing requests about your personal information — usually by confirming details from your account or enrollment records.
Data Security Measures
We protect your information using industry-standard security practices. This isn't just about ticking compliance boxes — it's about respecting the trust you place in us.
Technical Safeguards
- Encrypted connections (SSL/TLS) for all data transmission
- Secure servers with regular security patches and updates
- Encrypted storage for sensitive information
- Regular backups stored in secure, geographically separate locations
- Firewall protection and intrusion detection systems
Administrative Controls
- Limited staff access — only people who need information to do their jobs can see it
- Confidentiality agreements for all staff and contractors
- Regular security training for our team
- Documented procedures for handling security incidents
- Annual security audits and vulnerability assessments
Despite our precautions, no system is completely invulnerable. If we experience a data breach that might affect you, we'll notify you and the Office of the Australian Information Commissioner within 72 hours, as required by Australian law.
How Long We Keep Your Data
We keep information only as long as we need it. Different types of data have different retention periods:
Retention Periods
- Active enrollments: Throughout your program plus two years after completion
- Payment records: Seven years (Australian tax law requirement)
- Marketing contacts: Until you unsubscribe, then we keep minimal records to respect your opt-out preference
- Website analytics: Typically 26 months, then anonymized or deleted
- Customer service records: Three years from last contact
- Inactive accounts: We'll contact you after 18 months of inactivity and delete data after 24 months if no response
Sometimes we need to keep information longer due to legal obligations, dispute resolution, or fraud prevention. We'll always use the shortest reasonable retention period.
Cookies and Tracking Technologies
Our website uses cookies — small files stored on your device that help the site function properly and remember your preferences. Here's what we use:
Essential Cookies
These are necessary for basic site operation. They handle things like keeping you logged in during your session and remembering items in your cart. You can't really turn these off without breaking the site.
Analytics Cookies
We use these to understand how people use our site. They tell us which pages are popular, where people get stuck, and how we can improve the user experience. The data is aggregated and anonymized.
Preference Cookies
These remember your choices, like language preferences or whether you've dismissed certain notices. They make your experience more convenient.
You can control cookies through your browser settings. Keep in mind that disabling certain cookies might limit site functionality. Most browsers also offer "Do Not Track" settings, which we respect.
Third-Party Links and Services
Our website sometimes links to external resources — research papers, financial news sites, educational platforms. Once you click those links, you're subject to their privacy policies, not ours.
We try to link only to reputable sources, but we can't control their privacy practices. Before providing information to any third-party site, take a moment to review their privacy policy.
Some pages might embed content from other platforms (like educational videos). These embeds might set their own cookies or collect information about your viewing. We choose embedding partners carefully, but again, their practices are outside our direct control.
Information About Minors
Our services are designed for adults. We don't knowingly collect information from anyone under 18 without parental consent.
If you're under 18 and interested in our programs, please have a parent or guardian contact us. They can set up an account under their name and supervision.
If we discover we've inadvertently collected information from a minor without proper consent, we'll delete it promptly. Parents or guardians who believe we might have information about their child should contact us immediately.
Changes to This Policy
We update this policy occasionally — usually when we add new services or when privacy laws change. The "Last Updated" date at the top tells you when we last made changes.
For minor updates (like clarifying existing practices), we'll just post the revised policy. For significant changes that affect how we use your information, we'll email you at least 30 days before the changes take effect.
Continuing to use our services after a policy change means you accept the updated terms. If you disagree with changes, contact us to discuss options — which might include deleting your account and information.
International Data Considerations
We're based in Australia and primarily serve Australian learners. Your information is stored on servers located in Australia.
However, some of our service providers (like email platforms or payment processors) might have servers in other countries. When we transfer data internationally, we ensure adequate protections are in place through contractual clauses and verified security standards.
If you're accessing our site from outside Australia, be aware that your information will be transferred to and processed in Australia under Australian privacy laws.
Questions About This Policy?
If something in this policy isn't clear, or if you have questions about how we handle your information, we're here to help.
For formal privacy complaints or if you're unsatisfied with our response, you can contact the Office of the Australian Information Commissioner at oaic.gov.au or by calling 1300 363 992.