Privacy Policy

Information We Collect

At Verithalconsulting, we collect information that helps us provide better financial education services and understand your credit journey. When you create an account or use our platform, we gather personal details including your name, email address, phone number, and mailing address. This basic information allows us to communicate with you about your learning progress and send important updates about our services.

We also collect financial information that you voluntarily provide when using our credit assessment tools and educational resources. This might include details about your income, employment status, existing debts, and credit history. However, we want to be clear that we never access your actual credit reports or bank accounts without your explicit permission through secure, encrypted connections.

How We Use Your Information

Your personal information serves several important purposes in delivering our financial education services. We use your contact details to send you course updates, notify you about new learning opportunities, and provide customer support when you need assistance. Our communication is always focused on helping you achieve your financial education goals.

Educational Personalization

The financial information you share helps us create personalized learning experiences. For instance, if you're working on improving your credit score, we can recommend specific modules about payment history and credit utilization. This personalization makes your learning journey more efficient and relevant to your unique situation.

• Creating customized learning paths based on your financial goals and current knowledge level
• Providing relevant resources and tools that match your specific circumstances
• Sending timely reminders and encouragement to help you stay on track with your learning
• Analyzing usage patterns to improve our educational content and user experience
• Generating progress reports that show your advancement through our programs

Data Sharing and Third Parties

We believe strongly in protecting your privacy, which means we're very selective about when and how we share your information. Verithalconsulting does not sell your personal data to marketers, advertisers, or other companies looking to profit from your information. Your trust is more valuable to us than any potential revenue from data sales.

However, there are specific situations where we may share limited information with trusted partners. When you use our credit monitoring tools or financial assessment features, we work with established financial service providers who help us deliver these services securely. These partnerships are governed by strict agreements that require the same level of data protection we maintain internally.

Service Providers We Work With

Our platform relies on several specialized service providers to function effectively. We use cloud hosting services to store your data securely, email service providers to send you course materials and updates, and analytics tools to understand how our platform performs. Each of these providers is carefully vetted and bound by contractual obligations to protect your information.

Your Privacy Rights

You have significant control over your personal information and how we use it. Understanding these rights empowers you to make informed decisions about your privacy and ensures you can manage your data according to your preferences.

To exercise any of these rights, simply contact our privacy team using the information provided at the bottom of this policy. We typically respond to privacy requests within seven business days and will walk you through the process step by step. There's never a fee for accessing or correcting your personal information.

Data Security and Protection

Protecting your financial and personal information is one of our highest priorities. We employ multiple layers of security measures designed to prevent unauthorized access, data breaches, and other security threats. Our security approach combines industry-standard technology with careful internal procedures and regular security audits.

All data transmission between your device and our servers uses bank-level encryption protocols. This means that even if someone intercepts your data while it's traveling over the internet, they cannot read or use it. We also encrypt sensitive information while it's stored on our servers, adding another layer of protection.

Internal Security Measures

Our team members who have access to your information go through background checks and receive regular training on data protection best practices. We use multi-factor authentication for all administrative access and maintain detailed logs of who accesses what information and when. These measures help us quickly identify and respond to any unusual activity.

• Regular security audits conducted by independent third-party firms
• Automated monitoring systems that detect suspicious access patterns
• Secure backup procedures to protect against data loss
• Limited employee access based on job responsibilities and business need
• Regular updates to security protocols as new threats emerge

Data Retention and Deletion

We keep your information only as long as necessary to provide our services and comply with legal requirements. For active accounts, we maintain your learning progress, course completions, and communication history to ensure continuity in your educational journey. This information helps us pick up where you left off if you take breaks from using our platform.

When you close your account, we begin a systematic deletion process. Most of your personal information is removed within 30 days, though some data may be retained longer for specific legal or business reasons. For example, we keep records of financial transactions for tax purposes and maintain some anonymized usage data to improve our services for other users.

International Data Transfers

While Verithalconsulting primarily serves the Australian market, some of our technology infrastructure and service providers operate internationally. This means your data may occasionally be processed or stored in countries outside Australia. When this happens, we ensure these transfers meet strict privacy and security standards equivalent to Australian requirements.

We work only with service providers who demonstrate strong privacy protections and agree to handle your data according to our privacy standards, regardless of where they're located. All international transfers are documented and approved through our privacy governance process, ensuring we maintain oversight of your information wherever it travels.

Changes to This Policy

We review and update this privacy policy regularly to reflect changes in our services, legal requirements, and privacy best practices. When we make significant changes that affect how we collect, use, or protect your information, 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, such as clarifications to existing policies or updates to contact information, may be made without advance notice. We always post the date when the policy was last updated at the top of this page, so you can easily see when changes were made. We encourage you to review this policy periodically to stay informed about how we protect your privacy.