Privacy Policy
Last Updated: March 2025
At Future Wave Panel, we take your privacy seriously. Actually, more than seriously—we consider it fundamental to everything we do. This policy explains how we handle your personal information when you use our financial education services.
We're based in Sydney, Australia, which means we follow strict Australian privacy laws. But beyond legal requirements, we believe you deserve complete transparency about your data.
Privacy Officer Contact:
Email: info@future-wavepanel.com
Phone: +61 8 9722 2480
Address: Level 13/50 Carrington St, Sydney NSW 2000, Australia
Information We Collect
Look, we're not in the business of collecting data for the sake of it. Everything we gather serves a purpose—usually to provide better education or to stay compliant with financial regulations.
Personal Details
When you sign up for our programs, we collect your name, email, phone number, and postal address. Basic stuff, but essential for communication and course delivery.
Financial Background
We ask about your current financial knowledge level and goals. This helps us tailor educational content to your actual needs rather than giving everyone the same generic material.
Learning Activity
We track which courses you access, how long you spend on materials, and assessment results. It's not surveillance—it's about understanding where students need more support.
Technical Data
Your IP address, browser type, and device information get logged automatically. Standard web stuff that helps us fix technical problems when they pop up.
How We Use Your Information
Here's the thing—we use your data to run our educational programs and improve them over time. No shady third-party sales or marketing databases.
- Delivering course materials and tracking your progress through learning modules
- Sending important updates about your enrollment, schedule changes, or new resources
- Providing technical support when you encounter problems with our platform
- Analyzing learning patterns to identify where our courses need improvement
- Meeting legal obligations under Australian financial services regulations
- Processing payments and maintaining accurate financial records
- Responding to your questions and providing personalized guidance
Data Sharing and Third Parties
We don't sell your information. Period. But we do work with certain service providers who help us operate:
Service Providers We Use
Our payment processor handles financial transactions securely. Our email platform manages course communications. Our hosting provider keeps the website running. These companies only access data they need to perform their specific functions, and they're all bound by confidentiality agreements.
Legal Requirements
Sometimes Australian law requires us to share information with regulators or law enforcement. We'll only do this when legally obligated, and we'll notify you unless prohibited by law.
Business Transitions
If Future Wave Panel merges with another company or gets acquired, your data would transfer as part of that transaction. You'd be notified well in advance, and the new entity would be bound by this privacy policy.
Your Privacy Rights
Under Australian privacy law, you have substantial control over your personal information. Here's what you can do:
Access Your Data
Request a copy of all personal information we hold about you. We'll provide it within 30 days in a readable format. Email info@future-wavepanel.com with "Data Access Request" in the subject line.
Correct Inaccuracies
Found an error in your records? Let us know and we'll fix it promptly. You can update most information directly through your student portal, or contact us for assistance.
Request Deletion
Want us to delete your data? We'll comply unless we're legally required to retain certain records (like financial transaction histories). After deletion, you won't be able to access course materials.
Restrict Processing
You can ask us to limit how we use your information while we investigate a dispute or concern. This might affect our ability to provide certain services during that time.
Data Portability
Request your data in a structured, machine-readable format that you can transfer to another service. We'll provide it as a CSV or JSON file within 30 days.
Withdraw Consent
If we're processing your data based on consent (rather than legal obligation), you can withdraw that consent anytime. This won't affect the lawfulness of processing before withdrawal.
Security Measures
We protect your information using industry-standard security practices. Our systems use 256-bit SSL encryption for data transmission. All databases are encrypted at rest and backed up daily to secure Australian servers.
Access to personal data is restricted to employees who need it for their roles. We use two-factor authentication for administrative access and conduct regular security audits. Our staff receive ongoing privacy training.
But let's be honest—no system is 100% secure. If a data breach occurs, we'll notify affected individuals within 72 hours and report to the Office of the Australian Information Commissioner as required by law.
Data Retention
We keep your information only as long as necessary. Here's our retention schedule:
| Data Type | Retention Period | Reason |
|---|---|---|
| Course enrollment records | 7 years after completion | Australian financial services regulations and certification requirements |
| Payment information | 7 years from transaction | Tax law and accounting standards compliance |
| Learning progress data | 3 years after last activity | Educational record-keeping and course improvement analysis |
| Marketing communications | Until you unsubscribe | Ongoing relationship management and course updates |
| Website analytics | 26 months | Understanding user behavior and improving platform performance |
| Support correspondence | 3 years from resolution | Service quality tracking and dispute resolution |
After these periods, we securely delete or anonymize your data. Anonymized data (where you can't be identified) may be retained longer for statistical analysis.
Cookies and Tracking
Our website uses cookies—small text files stored on your device. Some are essential for the site to function (like keeping you logged in). Others help us understand how people use our platform.
You can disable cookies in your browser settings, though this might break certain features. We don't use advertising cookies or sell browsing data to third parties. Our analytics are strictly for internal improvement purposes.
International Data Transfers
Your data stays in Australia wherever possible. Our servers are located in Sydney, and we use Australian service providers when available. However, some technical infrastructure (like email delivery systems) may involve servers in other countries with strong privacy protections.
When data leaves Australia, we ensure adequate safeguards are in place through standard contractual clauses and privacy shield frameworks. We never transfer data to countries with inadequate privacy laws.
Children's Privacy
Our services target adults interested in financial education. We don't knowingly collect information from anyone under 18. If you're a parent and believe your child has provided us with personal information, contact us immediately and we'll delete it.
Changes to This Policy
We update this policy occasionally to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you by email and display a prominent notice on our website for at least 30 days.
The "Last Updated" date at the top shows when the current version took effect. By continuing to use our services after changes are posted, you accept the updated policy.
Complaints and Disputes
If you're concerned about how we've handled your personal information, please contact our Privacy Officer first. We'll investigate and respond within 30 days.
If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC). They provide a free, independent dispute resolution service.
OAIC Contact: GPO Box 5218, Sydney NSW 2001 | Phone: 1300 363 992 | Website: oaic.gov.au