Privacy Policy

Thanks for visiting our website www.moneymindsetcoaching.com.au

The Centsable and the Savvy Pty Ltd ACN 653 049 060 is committed to protecting your privacy as an online visitor to our website.

This privacy policy provides you with details of how The Centsable and The Savvy Pty Ltd collects and processes your personal data through your use of our site.

As we are an online business trading globally we aim to comply with the Australian Privacy Principles contained in The Privacy Act 1993 (Cth) and General Data Protection Regulations (GDPR) to ensure that your information is protected.

We use the information we collect about you to maximise the services and products that we provide to you via our website and through our business.

By providing us with your data, you warrant to us that you are over the age of 18 years.

This Privacy Policy, together with our Website Terms and Conditions (including Disclaimer) www.moneymindsetcoaching.com.au and Listing Terms and Conditions www.moneymindsetcoaching.com.au form the entire agreement between you and The Centsable and The Savvy Pty Ltd.

The Centsable and The Savvy Pty Ltd is the controller of the personal information collected via this website and we are responsible for your personal data (referred to as “we”, “us” or “our” in this Privacy Policy).

1. Contact Details

1.1 Our full contact details are:

The Centsable and The Savvy Pty Ltd
ACN: 653 049 060
hello@moneymindsetcoaching.com.au

Please email hello@moneymindsetcoaching.com.au to obtain a postal address as this address is a private address.  You are not required to state a reason for this request and you will be emailed requested details.

1.2 It is very important that the information we hold about you is accurate and up to date. Please let us know if at any time your personal information changes by emailing hello@moneymindsetcoaching.com.au.

2. Personal Information – Type, purpose and legal grounds

2.1 Personal information/data means any information capable of identifying an individual. It does not include data that is anonymous in its source.

2.2 We may process the following categories of personal data about you:

     2.2.1 Communication Information

          2.2.1.1 Communication information includes any communication that you   send to us. This information can be sent to us through:

               a. The contact form on our website;
               b. The subscriber form on our website;
               c. Email, text, social media messaging;
               d. Social media posting; or
               e. Through any other communication that you send to us.

          2.2.1.2 We process this data for the purposes of:

               a. Communicating with you;
               b. For record keeping, and;
               c. For the establishment, pursuance or defence of legal claims.

          2.2.1.3 Our legal ground for this processing is our legitimate interests which in this case are to respond to communications sent to us, to keep records and to establish, pursue or defend legal claims.

     2.2.2 Customer Information

          2.2.2.1 Customer information or data includes any information you provide  relating to any purchases of goods and/or services such as your name, title, billing address, delivery email address, phone number, contact details, purchase details and your card details.

          2.2.2.2 We process this information to:

               a. Supply the goods and/or services you have purchased, and;
               b. To keep records of such transactions.

          2.2.2.3 Our legal ground for this processing is the performance of a contract between you and us and/or taking steps at your request to enter into such a contract.

3. How your personal information is collected

3.1 Cookies

       3.1.1 We may automatically collect certain data from you as you use our website by using cookies and similar technologies.

       3.1.2 A “cookie” is a piece of information that is stored on your computer’s hard drive and which records how you move your way around a website so that, when you revisit that website, it can present tailored options based on the information stored about your last visit. Cookies can also be used to analyse traffic and for advertising and marketing purposes.

       3.1.3 Cookies are used by nearly all websites and do not harm your system.

       3.1.4 If you want to check or change what types of cookies you accept, this can usually be altered within your browser settings. You can block cookies at any time by activating the setting on your browser that allows you to refuse the setting of all or some cookies. By not blocking cookies and continuing to browse you are authorising the use of cookies. If you use your browser settings to block all cookies (including essential cookies) you may not be able to access all or parts of our site.

3.2 How do we use cookies?

       3.2.1 We use cookies to track your use of our website. This enables us to understand how you use the site and track any patterns with regards how you are using our website. This helps us to develop and improve our website as well as products and/or services in response to what you might need or want.

3.3 Types of Cookies:

       3.3.1 Session cookies: these are only stored on your computer during your web session and are automatically deleted when you close your browser – they usually store an anonymous session ID allowing you to browse a website without having to log in to each page but they do not collect any personal data from your computer; or

       3.3.2 Persistent cookies: a persistent cookie is stored as a file on your computer and it remains there when you close your web browser. The cookie can be read by the website that created it when you visit that website again. We use persistent cookies for Google Analytics.

3.4 Cookies categories:

       3.4.1 Strictly necessary cookies: These cookies are essential to enable you to use the website effectively, such as when buying a product and/or service, and therefore cannot be turned off. Without these cookies, the services available to you on our website cannot be provided. These cookies do not gather information about you that could be used for marketing or remembering where you have been on the internet.

       3.4.2 Performance cookies: These cookies enable us to monitor and improve the performance of our website. For example, they allow us to count visits, identify traffic sources and see which parts of the site are most popular.

       3.4.3 Functionality cookies: These cookies allow our website to remember choices you make and provide enhanced features. For instance, we may be able to provide you with news or updates relevant to the services you use. They may also be used to provide services you have requested such as viewing a video or commenting on a blog. The information these cookies collect is usually anonymised.

       3.4.4 Please note that third parties who advertise on our website (including, for example, advertising networks and providers of external services like web traffic analysis services) may also use cookies, over which we have no control. These cookies are likely to be analytical/performance cookies or targeting cookies.

4. Marketing Communications

4.1 Our lawful ground of processing your personal data to send you marketing communications is either your consent or our legitimate interests, namely to grow our business.

4.2 We may send you marketing communications if:

       4.2.1 You made a purchase or asked for information from us about our goods or services; or

       4.2.2 You agreed to receive marketing communication and, in each case, you have not opted out of receiving such communications since.

       4.2.3 You are a company, we may send you marketing emails without your consent. You may opt out of receiving marketing emails from us at any time.

4.3 Express consent

       4.3.1 It is unlikely that The Centsable and The Savvy Pty Ltd will share your personal data with any third party for their own marketing purposes, however, in such circumstances, we will obtain your express consent.

4.4 Stopping marketing messages

       4.4.1 You can ask us or third parties to stop sending you marketing messages at any time by:

             a. following the opt-out links on any marketing messages sent to you, or
             b. Emailing us at hello@moneymindsetcoaching.com.au at any time.

       4.4.2 If you opt out of receiving marketing communications this opt-out does not apply to personal data provided as a result of other transactions, such as purchases, warranty registrations, returns, replacements etc.

5. Disclosures of Your Personal Data

5.1 We may have to share your personal data with the parties set out below:

       5.1.1 Service providers who provide IT and system administration services.

       5.1.2 Professional advisers including lawyers, bankers, auditors, and insurers.

       5.1.3 Government bodies that require us to report processing activities.

       5.1.4 Market Researchers and Analysts.

       5.1.5 Marketing agencies we may engage from time-to-time.

       5.1.6 Third parties to whom we sell, transfer, or merge parts of our business or our assets.

5.2 We require all third parties to whom we transfer your data to respect the security of your personal data and to treat it in accordance with the law. We only allow such third parties to process your personal data for specified purposes and in accordance with our instructions.

6. International Transfers (for example to our preferred email marketing platform or CRM)

6.1 Whenever we transfer your personal data we do our best to ensure a similar degree of security of data by ensuring at least one of the following safeguards is in place:

       6.1.1 If you are a resident of the European Union, we will only transfer your personal data to countries that the European Commission have approved as providing an adequate level of protection for personal data by; or

       6.1.2 Where we use certain service providers, we may use specific contracts or codes of conduct or certification mechanisms approved by the European Commission which give personal data the same protection it has in Europe; or

       6.1.3 If we use US-based providers that are part of EU-US Privacy Shield, we may transfer data to them, as they have equivalent safeguards in place.

6.2 If none of the above safeguards is available, we may request your explicit consent to the specific transfer. You will have the right to withdraw this consent at any time.

7. Data Security

7.1 We strive to ensure the security, integrity, and privacy of personal information submitted to our website, and we periodically update our security measures in light of current technologies.

7.2 We will take reasonable technical and organisational precautions to prevent the loss, misuse or alteration of your personal information.

7.3 You acknowledge that the transmission of information over the internet is inherently insecure, and we cannot guarantee the security of data sent over the internet.

7.4 We have procedures in place to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach if we are legally required to.

8. Data Retention

8.1 We will only retain your personal data for as long as necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements.

8.2 For tax purposes, the law requires us to keep basic information about our customers (including Contact, Identity, Financial and Transaction Data) for five years after they stop being customers.

8.3 In some circumstances, we may delete identifying components of your data for research or statistical purposes in which case we may use this information indefinitely without further notice to you.

9. Your Legal Rights

9.1 Under data protection laws you have rights in relation to your personal data that include the right to request access, correction, erasure, restriction, transfer, to object to processing, to portability of data and (where the lawful ground of processing is consent) to withdraw consent.

9.2 If you wish to exercise any of the rights set out above, please email us at hello@moneymindsetcoaching.com.au

9.3 In order to respond to any request, we will require the following information:

       a. your name and address; and
       b. your contact telephone numbers

9.4 There is no fee chargeable to access your personal data however we may charge a fee if your request is clearly unfounded, repetitive or excessive, or refuse to comply with your request in these circumstances.

9.5 As a security measure to ensure your data is not disclosed to any person who has no right to receive it we may request further information from you.

9.6 We try to respond to all legitimate requests within 30 days unless the request is complex or where there are multiple requests. If our response is likely to exceed 30 days you will be notified.

9.7 If you are not happy with any aspect of how we collect and use your data please contact us first so we may attempt to resolve your issue immediately. You also have the right to complain to the Office of the Australian Privacy Commissioner (https://www.oaic.gov.au), the Australian supervisory authority for data protection issues.

10. Change in Privacy Policy

10.1 To ensure our privacy policy remains current, this policy is subject to change.

10.2 We may modify this policy at any time, at our sole discretion and all modifications will be effective immediately upon our posting of the modifications on this website. Please return periodically to review our privacy policy.

10.3 You may instruct us at any time not to process your personal information for marketing purposes.

10.4 In practice, you will usually either expressly agree in advance to our use of your personal information for marketing purposes, or we will provide you with an opportunity to opt out of the use of your personal information for marketing purposes.

10.5 If you have any questions or concerns at any time about our Privacy Policy or the use of your personal information, please email hello@moneymindsetcoaching.com.au

© The Centsable and The Savvy Pty Ltd 2022