1. Information We Collect

Personal Information

When you use xixamhusam's budget negotiation platform, we collect information that identifies you personally. This includes your name, email address, phone number, and business details when you register for our services. We also collect billing information including your address and payment method details when you subscribe to our learning programs.

Usage Data

We automatically collect information about how you interact with our platform. This includes your IP address, browser type, device information, pages visited, time spent on different sections, and your navigation patterns through our budget negotiation tools and educational content.

Learning Progress Data

As you progress through our budget negotiation courses and use our financial tools, we track your learning milestones, quiz results, module completions, and engagement levels. This data helps us personalise your learning experience and improve our educational content.

2. How We Use Your Information

We use the information we collect for several specific purposes that directly relate to providing and improving our budget negotiation services:

3. Data Storage and Security

Security Measures

We implement industry-standard security protocols to protect your information. This includes SSL encryption for data transmission, secure servers located in Australia, regular security audits, and restricted access controls for our staff. All payment information is processed through PCI-compliant payment processors and is never stored on our servers.

Data Retention

We retain your personal information for as long as your account remains active or as needed to provide our services. Learning progress data is kept for three years after account closure to allow for potential account reactivation. Financial records are maintained for seven years in compliance with Australian taxation requirements.

International Transfers

Your data is primarily stored on servers within Australia. When we use international service providers for specific functions like email delivery or analytics, we ensure they meet Australian privacy standards and have appropriate data protection agreements in place.

4. Your Rights and Choices

Under Australian Privacy Principles, you have several rights regarding your personal information:

Access and Correction

You can access your personal information through your account dashboard at any time. You have the right to correct any inaccurate information, and we'll update our records within 30 days of receiving your request. For significant changes, we may require verification of your identity.

Data Deletion

You can request deletion of your personal information by contacting our privacy team. We'll remove your data within 60 days, except for information we're required to retain by law. Note that deleting your account will permanently remove access to your learning progress and course materials.

Communication Preferences

You can modify your email preferences or unsubscribe from marketing communications through your account settings. However, we'll continue sending essential account notifications and security alerts as these are necessary for service operation.

5. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience on our platform. These small files help us remember your preferences, maintain your login session, and understand how you use our budget negotiation tools.

Types of Cookies

You can control cookie settings through your browser preferences. However, disabling essential cookies may affect your ability to use certain platform features.

6. Third-Party Services

We work with carefully selected third-party providers to deliver our services effectively. These partnerships are governed by strict data protection agreements:

We ensure all third-party providers comply with Australian privacy standards and have appropriate safeguards in place to protect your information.

7. Children's Privacy

xixamhusam's services are designed for adults engaged in business and professional development. We do not knowingly collect personal information from individuals under 18 years of age. If we become aware that we have collected information from someone under 18, we will take immediate steps to delete that information from our systems.

Parents or guardians who believe their child has provided personal information to us should contact our privacy team immediately.

8. Changes to This Policy

We review and update this privacy policy regularly to ensure it remains current with our practices and legal requirements. When we make significant changes, we'll notify you through email and by posting a notice on our platform at least 30 days before the changes take effect.

Minor updates that don't materially affect your rights will be posted immediately. We encourage you to review this policy periodically to stay informed about how we protect your privacy.

Continued use of our services after policy changes indicates your acceptance of the updated terms. If you don't agree with changes, you can close your account before they take effect.

9. Complaints and Disputes

If you have concerns about how we handle your personal information, we encourage you to contact us first. We're committed to resolving privacy concerns 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). You can find more information about the complaint process on their website at oaic.gov.au.