Privacy Policy

Effective Date: 20th November 2025

At Financial Coaching with Sigrid (Ï", “we”, “us”, “our”), your privacy is important to us. This policy explains how we collect, use, disclose, and protect your personal information in compliance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles. It applies whenever you visit our website www.financialcoachingwithsigrid.com.au, contact us, or use our services.

What is Personal Information?

“Personal information” means any information or opinion about an identified individual, or an individual who is reasonably identifiable, whether true or not, and whether recorded in material form or not. This includes information that directly identifies you (such as your name) or indirectly identifies you.

1. Information We Collect

We collect personal information that may include:

• Your name and contact details (email, phone, postal address)
• Date of birth
• Employment and financial information relevant to your coaching
• Residential address
• Any other information you provide during our engagement

We may also collect non-identifying information such as browser type, device details, website usage, and referring sites.

2. Sensitive Information

We do not collect sensitive personal information unless it is necessary for legal reasons or with your explicit consent. If sensitive information is collected, such as financial details that require special handling, we treat it with the highest level of care and confidentiality.

3. How We Collect Your Information

We gather information directly from you when you:

• Book coaching sessions or complete intake forms
• Communicate with us by email, phone, video call, or social media
• Subscribe to newsletters or updates
• Participate in surveys or promotions
• Make payments or use our website

We may also collect information automatically through cookies or other tracking technologies when you visit our website.

4. Collecting Information from Third Parties

Sometimes we obtain your information from trusted third parties or publicly available sources to help us provide our services. This might include referral partners or payment processors. We only use this information to deliver or improve our services to you.

5. How We Use Your Information

Your personal information helps us:

• Deliver tailored financial coaching services
• Understand your needs and goals
• Manage appointments and payments
• Communicate with you effectively
• Send you newsletters or marketing information (with the option to unsubscribe)
• Improve our services and website experience
• Comply with legal obligations

We may also use anonymised data for marketing or educational purposes without identifying you.

6. Disclosure of Your Information

We do not sell or rent your personal information. We may share it with:

• Service providers assisting with IT, cloud storage, payments, or administration
• Professional advisers like accountants or lawyers
• Regulatory or government authorities if required by law
• Other parties with your explicit consent

Some service providers may operate overseas. Where this happens, we take steps to ensure your information is protected in line with Australian privacy laws.

7. Storage and Protection

We keep your information secure through:

• Secure cloud-based storage systems
• Access controls and password protection
• Confidentiality agreements for our team and contractors (if employed in the future)

We retain personal data only as long as necessary for service delivery, legal compliance, or dispute resolution.

8. Cookies and Website Analytics

Our website uses cookies to:

• Enhance your browsing experience
• Analyse website traffic
• Provide social media features
• Deliver targeted advertising via platforms like Google and Facebook

You can disable cookies in your browser settings; however, this may affect some website functions.

9. Links to Other Websites

Our website may link to third-party sites. We are not responsible for their privacy practices and encourage you to review their policies before providing any personal information.

10. Retention of Personal Information

We keep your personal information only as long as necessary to provide our services and meet legal requirements. When no longer needed, we securely delete or de-identify your information.

11. Access and Correction

You can request access to or correction of your personal information by contacting us. We aim to respond within a reasonable timeframe. Please provide sufficient details to help us identify and locate your information.

12. Complaints

If you believe we have mishandled your personal information, please contact us. We will investigate and respond promptly. If you remain unsatisfied, you may contact the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au.

13. Contact Us

For questions, concerns, or to exercise your privacy rights, please contact:

Sigrid Trajer
Financial Coaching with Sigrid
📧 Email: sigrid@financialcoachingwithsigrid.com.au

14. Changes to This Policy

We may update this Privacy Policy occasionally. The latest version will be posted on our website. Please check periodically for updates.