After ordering online, you will receive an email confirmation from eWAY containing your order details (if you have provided your email address). We will normally confirm receipt of your order within a few minutes of ordering. We will attempt to send your link to the program content stored in a Dropbox folder via email within 3 working days.
If you wish to query a delivery please contact us at email@example.com
Refund & Returns Policy
If for any reason you are not able to attend the workshop, if you notify us that you cannot attend at least 72 hours before the commencement of the workshop, we will give you a
refund of your purchase less 2% of the purchase price (administration fee).
Please email us at firstname.lastname@example.org within that time frame if you cannot attend the workshop so that we can make the refund to your nominated credit card.
This refund policy does not apply if you notify us less than 72 hours before the commencement time of the workshop. We reserve the right to hold payment at that stage for attendance at a future workshop.
When you trust us with your personal information, you expect us to protect it and keep it safe.
We are bound by the Privacy Act 1988 (Cth) (Privacy Act?۪) and will protect your personal information in accordance with the Australian Privacy Principles. These principles govern how we can collect, use, hold and disclose your personal information, as well as ensuring the quality and security of your personal information.
If you would like more information about how we protect your privacy, please contact us.
About this policy
What is personal information?
Personal information includes any information or opinion, about an identified individual or an individual who can be reasonably identified from their information. The information or opinion will still be personal information whether it is true or not and regardless of whether we have kept a record of it.
The information that we seek to collect about you will depend on the products or services that we provide. If you do not allow us to collect all of the information we request, we may not be able to deliver all of those services effectively.
What kinds of personal information do we collect and hold
When you apply for our products or services we may ask for identification information. This could include your name, address, contact details and date of birth. We may also collect your tax file number if we are authorised to collect it and if you choose to supply it. If you apply for insurance, we may collect information about what is being insured, the beneficiaries, and your health and financial situation, depending on the type of insurance.
Throughout the life of your product or service, we may collect and hold additional personal information about you. This could include transaction information or making a record of queries or complaints you make and, if you make an insurance claim, collecting additional information to assess the claim.
The collection of sensitive information is restricted by the Privacy Act. This includes information about your religion, racial or ethnic origin, political opinions, criminal record, and sexual orientation. It also includes health information and biometric information.
Generally, we only collect this sort of information if it is necessary to provide you with a specific product or service and you have consented to that collection. For example, we may collect health information about you to process a claim under an insurance policy or collect voice biometric information to verify your identity or authorise transactions.
For what purposes do we collect, hold, use and disclose personal information
The main reason we collect, use, hold and disclose personal information is to provide you with products and services. This includes:
We may also use your information to comply with legislative or regulatory requirements in any jurisdiction, prevent fraud, crime or other activity that may cause harm in relation to our products or services and to help us run our business. We may also use your information to tell you about products or services we think may interest you.
How do we collect personal information
We collect most personal information directly from you. For example, we will collect your personal information when you apply for or use a product or service or talk to us in person or on the phone.
We also collect information from you electronically. For instance, when you visit our website or if you send us electronic correspondence (see “Do we collect personal information electronically?”).
Sometimes we collect personal information about you from other people or organisations. This may happen without your direct involvement. For instance, we may collect personal information about you from:
What laws require or authorise us to collect personal information
We are required or authorised to collect:
How do we hold personal information
Much of the information we hold about you will be stored electronically in secure data centres which are located in Australia, New Zealand and the United States and owned by external service providers. Some information we hold about you will be stored in paper files. We use a range of physical and electronic security measures to protect the security of the personal information we hold. For example:
We take reasonable steps to destroy or permanently de-identify any personal information after it can no longer be used.
We can aggregate your non-personally identifiable data
By allowing us to track all of your electronic income and expenditure financial transactions via the Xero Service. You agree that we can access, aggregate and use non-personally identifiable data Xero has collected from you. This data will in no way identify you or any other individual.
We may use this aggregated non-personally identifiable data to:
Who do we disclose your personal information to, and why
We may provide personal information about our clients to organisations outside Your Spending Coach. To protect personal information, we enter into contracts with our service providers that require them to comply with the Privacy Act. These contracts oblige them to only use the personal information we disclose to them for the specific role we ask them to perform.
Generally, we disclose personal information to organisations that help us with our business. These may include:
We may also disclose your personal information to others outside Your Spending Coach where:
Do we disclose personal information overseas
We may disclose your personal information to a recipient which is located outside Australia. This includes:
|Xero||United States of America|
|Dropbox||United States of America|
Do we use or disclose personal information for marketing
We will use your personal information to offer you products and services we believe may interest you, but we will not do so if you tell us not to. We may offer you products and services by various means, including by mail, telephone, email, SMS or other electronic means , such as through social media.
We may also disclose your personal information to companies outside Your Spending Coach who assist us to market our products and services to you.
If you don?۪t want to receive marketing offers from us please contact us.
Do we collect personal information electronically
We will collect information from you electronically, for instance through internet browsing, mobile or tablet applications.
Each time you visit our website, we collect information about your use of the website, which may include the following:
We use technology called cookies when you visit our site. Cookies are small pieces of information stored on your hard drive or in memory. They can record information about your visit to the site, allowing it to remember you the next time you visit and provide a more meaningful experience.
One of the reasons for using cookies is to offer you increased security. The cookies we send to your computer cannot read your hard drive, obtain any information from your browser or command your computer to perform any action. They are designed so that they cannot be sent to another site, or be retrieved by any non-Your Spending Coach site.
We won’t ask you to supply personal information publicly over facebook, Twitter, or any other social media platform that we use. Sometimes we may invite you to send your details to us via private messaging, for example, to answer a question. You may also be invited to share your personal information through secure channels to participate in other activities, such as competitions.
Access to and correction of personal information
You can request access to the personal information we hold about you. You can also ask for corrections to be made. To do so, please contact us.
There is no fee for requesting that your personal information is corrected or for us to make corrections. In processing your request for access to your personal information, a reasonable cost may be charged. This charge covers such things as locating the information and supplying it to you.
There are some circumstances in which we are not required to give you access to your personal information.
If we refuse to give you access to or to correct your personal information we will give you a notice explaining our reasons except where it would be unreasonable to do so.
If we refuse your request to correct your personal information, you also have the right to request that a statement be associated with your personal information noting that you disagree with its accuracy.
If we refuse your request to access or correct your personal information, we will also provide you with information on how you can complain about the refusal.
Resolving your privacy concerns and complaints your rights
If you are concerned about how your personal information is being handled or if you have a complaint about a breach by us of the Australian Privacy Principles, please contact us.
We will acknowledge your complaint as soon as we can after receipt of your complaint. We will let you know if we need any further information from you to resolve your complaint.
We aim to resolve complaints as quickly as possible. We strive to resolve complaints within five business days but some complaints take longer to resolve. If your complaint is taking longer, we will let you know what is happening and a date by which you can reasonably expect a response.
If you are unhappy with our response, there are other bodies you can go to.
The Financial Ombudsman Service (FOS) can consider most privacy complaints involving providers of financial services.
FOS can be contacted at:
Financial Ombudsman Service
GPO Box 3 Melbourne VIC 3001
Phone: 1300 78 08 08
Under the Privacy Act you may complain to the Office of the Australian Information Commissioner about the way we handle your personal information.
The Commissioner can be contacted at:
GPO Box 5218
Sydney NSW 2001
Phone: 1300 363 992
You can contact us by:
Our Privacy Officer can also be contacted in relation to privacy concerns by writing to Suite 311 / 120 Bay St, Port Melbourne, VIC, 3207.
Meaning of words
We, Us or Our
means Crawford Coaching Pty Ltd Atf Crawford Coaching Trust (ABN 97 857 549 621), t/as Your Spending Coach.
means any data inputted by You or with Your authority into the Website.
means the ongoing personal financial (spending, savings, budgeting and cashflow) coaching (as may be changed or updated from time to time by Us) made available to You by Us
means the online accounting and personal finance management services made available (as may be changed or updated from time to time by Xero) via the Website.
means the Internet site at the domain www.xero.com or any other site operated by Xero.
means Xero Limited which is listed on the New Zealand Stock Exchange (NZX) and all current and future global subsidiaries of Xero Limited including, without limitation Xero Inc (United States), Xero Pty Limited (Australia), and Xero (UK) Limited (United Kingdom).
means any person or entity, other than the Subscriber, that uses the Service with the authorisation of the Subscriber from time to time.
means the person who registers to use the Service, and, where the context permits, includes any entity on whose behalf that person registers to use the Service.
means the Subscriber, and where the context permits, an Invited User. “Your” has a corresponding meaning.