We have put up this privacy notice to explain to you why we request personal information from you when you use our website, as well as how we plan to store and use it.

All users of our website, whether registered or not, including those who participate in contests, provide reviews, and answer surveys, are covered by this privacy notice.

1. GENERAL TERMS

We respect your right to online privacy at www.budgetpolicy.com ("BUDGET POLICY"), and we take reasonable steps to protect any Personal Information you may provide us. Budget Policy is dedicated to protecting the privacy of its clients and website users and respects their right to privacy. Our approach to gathering and handling your personal data is outlined in this policy. "Personal information" refers to data that we have that may be uniquely identified to you. This Privacy Policy Statement outlines our practices on the use of your personal information. You agree to the provisions of the Privacy Policy Statement, as it may be revised from time to time, in order to use Budget Policy services. The only website to which this privacy statement applies is www.budgetpolicy.com.

Email us at info@budgetpolicy.com if you have any unanswered privacy or data use concerns that we have not sufficiently addressed.

Budget Policy has attested to the privacy principles of notice, choice, onward transfer, security, data integrity, access, and enforcement.

2. ONLINE PRIVACY PROTECTION OF CHILDREN

Users younger than 13 are not intentionally asked for personal information by Budget Policy.

3. COLLECTION OF YOUR PERSONAL INFORMATION

Periodically, personal information that you enter on our website, give us directly, or provide us with in another way will be received by Budget Policy and stored.

You are not required to enter any personal information in order to explore our website. However, in order to fulfill your request, we occasionally need more information in order to use some of our advanced capabilities. As examples, consider:

- Giving an insurance company your name, email address, and contact information in order to apply for a policy or obtain a quote.

- To create an account, enter your name, email address, and preferences. This will allow you to keep your settings and get email newsletters.

- Entering your name, email address, and phone number in order to interact with further learning resources.

The information needed to complete each piece of improved functionality will determine what details we ask for. As an example:

- We will ask for your email address in case we need to get in touch with you via email.

We also gather technical data when you visit our website. For instance, your IP address and the kind of browser you use. Our website's performance is tracked and maintained with the use of this data.

To help us provide information, give updates, and handle your product or service order, you may give us basic information such your name, phone number, address, and email address. At other times, we might gather more information from you. For example, when you give us feedback, share details about your personal or professional life, modify your email preferences or content, reply to surveys and/or promotions, give us financial or credit card information, or get in touch with our customer service.

We might also gather any additional data you give us when communicating with us.

When you use our services, visit our website, communicate with us online or offline, and engage in other interactions with Budget Policy, we may gather personal information about you. We might get personal data from other sources. If so, we will safeguard information in accordance with this Privacy Policy.

4. USE OF YOUR PERSONAL INFORMATION

Budget Policy may use the personal data that it has acquired about you to send you updates, information, and services. We might also inform you about fresh and different chances, services, and goods that are accessible to you. We might utilize the personal information you provide to enhance our offerings and gain a deeper understanding of your requirements.

Budget Policy may get in touch with you via mail, phone, email, SMS, or other means, among others.

We collaborate with a variety of educational service providers who either promote courses on our networks or provide services that are pertinent to your pursuit of knowledge. Only if you have opted to interact with us through our website will your personal information be disclosed to service providers. For instance, when you contact an insurance company or ask for a quote, the insurance company will receive the information you supply in order to respond to your inquiry immediately.

Additionally, we give providers anonymized site usage statistics so they may keep an eye on enrollment from visitors to our websites.

5. DISCLOSURE OF YOUR PERSONAL INFORMATION

When it is deemed reasonably necessary for the goals outlined in this Policy, we may release your personal information to any of our officers, employees, agents, suppliers, subcontractors, insurers, and professional advisers. We only give out personal information to outside parties when it is necessary to carry out our services.

Occasionally, we might have to reveal personal data to fulfill legal obligations, like following a law, rule, court order, subpoena, or warrant, or in response to a request from a law enforcement agency.

We using your personal information may also safeguard the copyright, trademarks, legal rights, property, and safety of Budget Policy, www.budgetpolicy.com, its clients, or other parties.

We may occasionally store, handle, or transfer information we collect between partners that are based outside of Australia.

We retain the right to transfer our user databases, along with any personal and non-personal information contained in them, to the extent permitted by law in the event of a change of ownership in our company or a sale or transfer of business assets. Potential buyers may receive access to this information if a confidentiality agreement is in place. We would aim to only provide information when compelled by any of the aforementioned situations and in good faith.

You agree to the terms of this Privacy Policy and the categories of disclosure outlined in this Policy by giving us personal information. We shall ask third parties to handle your personal information in accordance with this Policy if we disclose your personal information to them.

6. SECURITY OF YOUR PERSONAL INFORMATION

Budget Policy is dedicated to protecting the privacy of the information you give us. We have implemented the necessary administrative, electronic, and physical measures to safeguard and secure information and prevent misuse, interference, loss, and unauthorized access, modification, and disclosure in order to prevent unauthorized access or disclosure.

You bear all risk associated with information transfer and exchange. We are unable to ensure that any information you send or receive from us is secure. We cannot guarantee that the personal information we collect will not be revealed in a way that is contrary to this privacy policy, even while we take precautions to prevent unauthorized disclosures of information.

7. ACCESS TO YOUR PERSONAL INFORMATION

In compliance with the terms of the Privacy Act 1988, you have the right to access details of the personal information that we maintain about you. Information may be provided for a nominal administrative fee. Please email us at info@budgetpolicy.com if you would like a copy of the information we have on you or if you think any of it is false, outdated, incomplete, irrelevant, or deceptive. We reserve the right, under certain conditions outlined in the Privacy Act, to refuse to give you access to the information we have about you.

Logging into your website account and making changes to your profile will allow you to edit the data we store on your behalf. By choosing the "forgotten password" option, you can submit an online request for a new password if you were not given one when you created your account. You can contact the Privacy Manager to request a data update if you do not have access to this account.

According to rules and guidelines, you are entitled to the following rights:

The right to information

You have the right to know why and how we gather personal information, what we plan to do with it, who we share it with, what security precautions we take to keep it safe, and what rights you have as an individual. This information will be made available in our privacy notice.

The access rights

By clicking this link or signing into your online profile, you can see the information we have on file about you. If you need a copy of the data for your records, you can download it in PDF format from our website. As an alternative, you can get in touch with the Privacy Manager to submit an offline Subject Access Request.

The entitlement to correction
You are entitled to an update of any erroneous or incomplete information that we may have. Via the Privacy Manager, you can request that your data be updated.

The ability to erase
By emailing www.budgetpolicy.com or getting in touch with the Privacy Manager, you can request to be forgotten at any time. All of the information we have about you that we are not legally obligated to keep will be deleted at your request.

The authority to limit processing
After you have used one of the aforementioned rights, you have the right to restrict processing; however, processing your request may take some time. For instance, you have the option to request restriction until your details are changed when you get in touch with us to update your information.

Right to revoke approval
You have the right to revoke your consent at any time for processing activities for which we have requested it by contacting the Privacy Manager, updating your application profile, or clicking the unsubscribe link in any email we give you.

The ability to object
By contacting the Privacy Manager, you have the ability to object at any time to the processing of your personal data. In the unlikely event that we are unable to accommodate your requests, we will promptly notify you and offer an explanation.

The right to be free from automated judgments and profiling
Our processing operations are not entirely automated. Sometimes we process data to analyze or forecast behavior; however, if this processing includes your personal data, we will need your express consent.

The freedom to move data around
If you have given us your personal information voluntarily or in accordance with your contact obligations, you are entitled to a machine-readable copy of that information in the event that you choose to transfer your data to another data controller.

COMPLAINTS ABOUT PRIVACY

Please feel free to submit information of any complaints you may have regarding our privacy policies to Level 10, 276 Flinders Street, Melbourne, VIC 3000. We take complaints seriously and will get back to you as soon as we get formal notification of your grievance.

INFORMATION RECORDED AND USED

Individual Data
We need your name, phone number, email address, and other contact information during the inquiry process. We also need information on your passport and admissions. We need your name, email address, phone number, and other contact information if you are a third-party affiliate. We also need business information, such as your company's registration details, and bank account information in order to handle any payments. We will use your name and email address to notify you of releases, new services, events coming up, and modifications to this privacy statement.
When you use Budget Policy Services, you grant Budget Policy access to the personal information you supply about third parties. This information, which can include the names, phone numbers, email addresses, and physical addresses of third parties, will only be used in connection with your use of Budget Policy Services and to fulfill your requests as communicated to Budget Policy. We never give this third party's personal information to anyone for marketing reasons, nor do we use it for any other uses without your express approval. In order to process your request and send a one-time email, we need the name and email address of the people you choose to recommend to the website. To request that we delete this information from our database, your buddy can get in touch with us.
User reviews are displayed on our website. We get our users' consent before publishing these testimonials on our website, even though they might contain names and other personally identifiable information. The Personal Information that users choose to include in their testimonials is not Budget Policy’s responsibility.

Use Specifics
We will keep track of your usage information in order to improve your experience with Budget Policy Services and to help us give you the best service possible. This information includes the time, frequency, length, and pattern of use of the features, as well as the amount of storage consumed.
Items in your user account
At our facilities in Australia, we store and manage files, documents, to-do lists, emails, and other data associated with your user account. We also maintain backup copies of all data, including the contents of your user account, to guard against data loss due to mistakes or system malfunctions. Therefore, even after your user account is deleted or terminated, your files and data can still be on our systems. Your Personal Information and data may be retained and used by us as needed to fulfill legal requirements, settle disputes, and uphold our legal rights. We guarantee that nobody will be able to access or learn about the contents of your user account, not even Budget Policy staff.

Payment Details
We ask for credit card or other payment account information if services are paid for; this information is only used to process payments. We will not retain any financial information about you. Your financial information will be encrypted and stored on secure servers of our reputable Payment Gateway Service Provider, subject to your prior consent and where necessary for processing future payments. This provider is obligated to treat your Personal Information in compliance with this Privacy Policy Statement.
Visitor Information
In order to evaluate trends, manage the website, follow visitor behavior, and enhance our website, we use information such as the Internet Protocol address, browser type, browser language, referring URL, files accessed, errors generated, time zone, operating system, and other visitor characteristics that are recorded in our log files. We connect the automatically gathered data to the other data we have about you.

COOKIES AND OTHER TRACKING TECHNOLOGIES

For the purpose of improving your use of our Budget Policy Services, we employ both temporary and permanent cookies. Every time you close your browser, temporary cookies are deleted from your computer. If you choose to "keep me signed-in" in Budget Policy Services, a permanent cookie will be placed on your computer, saving you the trouble of having to enter your login credentials every time you visit our website. You might not be able to access the website's registered sections if you have disabled cookies. When you choose to stay logged in, we link cookie information to your email address so that we can remember and preserve your choices on the website.

Budget Policy, affiliates, or service providers employ technologies including cookies, beacons, tags, and scripts. These technologies are employed for trend analysis, site administration, user movement tracking, and demographic data collection about our user base as a whole. We might get information on how these businesses are using these technologies, both individually and together.

BEHAVIOURAL TARGETING/RE-TARGETING

To handle our adverts on other websites, we collaborate with outside parties. In order to show you advertisements based on your browsing habits and interests, our third-party partners may employ technologies like cookies to collect information about your activities on this and other websites. You have the option to opt out if you would prefer that this information not be used to provide you with interest-based adverts. On other websites that run adverts, though, you will still see generic advertisements.

LINKS FROM OUR WEBSITES

Our website has links to external websites on certain pages. It is recommended that you confirm the privacy policies of these other websites. We take no responsibility for how you use or mishandle the information you provide on these other websites. We strongly advise against giving your personal information without first checking the privacy policies of other websites.

WITH WHOM IS YOUR INFORMATION SHARED

In order to offer you with Budget Policy Services, we might need to disclose your Personal Information and data to our business partners, affiliates, resellers, and service providers. We may share your Personal Information or data to our service providers for a variety of reasons, including but not restricted to database maintenance, web analytics, data storage, and payment processing. Your Personal Information or data may only be used by these service providers insofar as it's required to deliver these services to us. When this occurs, Budget Policy will also see to it that the affiliates, resellers, service providers, and business partners in question abide by this Privacy Policy Statement and take the necessary security and confidentiality precautions. Before sharing your Personal Information or data with anyone outside of Budget Policy for any reason unrelated to delivering Budget Policy Services to you, we will get your prior, explicit consent. Your Personal Information will only be disclosed to outside parties in the manner specified in this Privacy Policy Statement. Your Personal Information is never sold to outside parties by us. With our business partners and advertising, we might provide generic aggregated demographic data that isn't connected to any Personal Information about visitors and users. Please be advised that we may be required by law in the different jurisdictions where we do business to provide local law enforcement authorities with access to user information and account contents in response to a valid court order or an enforceable government request. Additionally, if Budget Policy determines in its sole and absolute discretion that such disclosure is required to safeguard the safety of our users, employees, or the general public, we may also reveal to law enforcement authorities the contents of your user account and your Personal Information.

HOW SECURE IS YOUR INFORMATION

To safeguard your Personal Information, username, password, transaction information, and data stored in your user account from unauthorized access, alteration, disclosure, or destruction, we implement industry-appropriate data collection, storage, and processing practices and security measures in addition to physical security measures. Only our personnel who are bound by confidentiality duties and who require access to your name and email address in order to provide you with Budget Policy Services may access this information.

YOUR CHOICE IN INFORMATION USE

We will provide you with an efficient means of opting out of the use of your Personal Information for those other purposes, should we choose to use it for reasons other than those disclosed in our Privacy Policy Statement. We could occasionally send you information about new products, launches, and forthcoming occasions. You have the option to choose not to receive newsletters and other supplementary communications from BUDGET POLICY by using the unsubscribe option found in each email we send. You will still receive important transactional emails, though.

ACCESSING, UPDATING AND REMOVING PERSONAL INFORMATION

Upon request, we will provide you with information about whether we hold any of your Personal Information. Users who wish to correct, update or remove any Personal Information including those from a public forum, directory or testimonial on our site may do so either by accessing their user account or by contacting Budget Policy Customer Support Services. Such changes may take up to 48 hours to take effect. We respond to all enquiries within 30 days.

INVESTIGATION OF ILLEGAL ACTIVITY

To investigate any suspected illegal behavior or potential violation of the terms and conditions for use of Budget Policy Services, we may need to grant our employees and service providers access to your Personal Information and the contents of your user account. Budget Policy shall guarantee, nevertheless, that such access complies with this Privacy Policy Statement and is subject to suitable security and confidentiality measures.

ENFORCEMENT OF PRIVACY POLICY

We utilize every effort, including routine reviews, to make sure that the use of the Personal Information you have given us complies with this Privacy Policy Statement. Please get in touch with Budget Policy Customer Support Services if you have any questions about our compliance with this privacy statement or how Personal Information is used to deliver Budget Policy Services. In order to address your issues, we will get in touch with you. If necessary, we will also work with regulatory bodies in this area.

NOTIFICATION OF CHANGES

We reserve the right to change the Privacy Policy Statement at any time and will notify you by emailing your primary email address or by issuing a service announcement. You will receive at least thirty days' notice via email at your primary email address of any material changes we make to the Privacy Policy Statement that impact your rights. After being informed that the updated Privacy Policy Statement is available, you have 30 days to give notification via email to discontinue using Budget Policy Services.

BLOGS AND FORUMS

We enable users to post content in blogs and forums so that information can be shared in a public area on the website. All users who visit our website and participate in our forums have public access to this information. Since both platforms are public, posting information requires registration. However, any Personal Information posted in these forums may be utilized to send individuals unsolicited messages. Since Budget Policy is not liable for the Personal Information users choose to reveal, we advise users to exercise caution when disclosing Personal Information in public forums. Additionally, Budget Policy facilitates third-party widgets that let users share articles and other content across other platforms, such Facebook and Twitter buttons on the website. In order for these widgets to work correctly, they may set a cookie, gather your IP address, and identify the page on our website that you are currently viewing. These widgets just serve as a conduit for information sharing at your convenience; they do not gather or store any Personal Information from website visitors. You and these widgets are subject to the privacy policies of the companies that provide them.

CHANGES TO PRIVACY POLICY

Please note that we reserve the right to modify our privacy statement at any time. This Policy may be changed at any time, at our sole discretion. All changes will take effect right away once we post them on our website or bulletin board. We ask that you periodically examine our Privacy Policy by checking back.

USE OF OUR WEBSITE

We may gather certain data when you visit our website (www.budgetpolicy.com), such as the kind of browser you are using, the operating system you are using, the website you visited right before visiting us, etc. We analyze user behavior on our site using this information in aggregate form so that we can make improvements to our service.
Cookies
We could occasionally utilize cookies on our website. Cookies are little text files that a website uses to remember who you are and what you have done on it, as well as to keep information about your visits. Malicious applications that access or harm your computer are not what cookies do. Although most web browsers allow cookies by default, you can configure your browser to refuse cookies at any time. That being said, it might impede you from fully utilizing our website. Cookies may occasionally be used on our website in order to analyze website traffic and improve the user experience for website visitors. Additionally, through third-party services like Google Adwords, cookies may be used to display relevant advertisements to website users.
Third Party Websites
Links to external websites that are not under our ownership or control may occasionally appear on our website. These are just links for your convenience. Links to websites operated by third parties do not imply support, sponsorship, or approval of these websites. Please be advised that Budget Policy has no control over the privacy policies of other websites of this kind. We advise our readers to read the privacy policies of every website that gathers personally identifiable information before leaving our site.

CONTACT US

Please email info@budgetpolicy.com with any queries or worries you may have about this privacy statement. Once we have verified your identification, we will answer any questions within 30 days of receiving them.

PROCESSOR DISCLOSURE

This certification covers the information we gather, use, and disclose via Budget Policy Services and our website, www.budgetpolicy.com. The information gathered via Budget Policy Services will only be used to fulfill your request for Budget Policy Services.
Budget Policy recognizes your right to obtain access to your personal data. Budget Policy does not maintain a direct connection with the persons whose personal information it handles. If you are a single user of Budget Policy Services, you can get in touch with Budget Policy directly to have erroneous data updated, changed, or removed. In other circumstances, a person wishing to obtain access to, or to update, remove, or correct erroneous data should contact his data controller, who might be a Budget Policy Services client.
We will react to requests for data removal in a timely manner. For the duration required to give our customers Budget Policy Services, we shall keep the Personal Information we process on their behalf. In order to fulfill our legal responsibilities, settle disputes, and uphold our agreements, Budget Policy will keep Personal Information for as long as needed.
In order to assist us in offering the Budget Policy Services, third-party service providers may receive Personal Information from Budget Policy. The terms in this Privacy Policy Statement about notice and choice, as well as the service agreements with you, apply to transfers to later third parties.