We respect your privacy. This Privacy Policy is designed to ensure your personal information is protected.

This Privacy Policy applies to the websites and mobile applications ("Digital Applications") of EDWY Pty Ltd A.B.N. 83 864 971 296 trading as Study Advisor A.C.N. 611 295 713 (“We”, “our”, “us”) and to its related applications, MMS, SMS, instant messaging, social media and other communications platforms and services.


At any time the Privacy Policy in force is published on the Digital Applications and is applicable to related services. By using the Digital Applications you agree to the Privacy Policy. If you do not accept the Privacy Policy in force from time to time, do not access, use, register as a member, submit information to, upload or download from the Digital Applications.


As overviewed in this Privacy Policy, we collect only personal information that is needed for the Digital Applications and we tell you in this Privacy Policy how we use your personal information. When you use the Digital Applications and any related services, we collect information sent to us by your computer, mobile phone or other access device.


1. How We Collect Personal Information

We collect personal information about users of the Digital Applications and related services. This information is either collected by us or submitted or shared by users of the Digital Applications and related services.

The information sent to us includes data on the pages you access, your computer IP address, device identifiers, the type of operating system you’re using, your location, mobile network information, and standard web log data. Standard web log data includes the browser type you’re using and traffic to and from our Digital Applications.

When you download or use our mobile applications, or access one of our mobile optimised sites, we may receive information about your location and your mobile device, including a unique identifier for your device. We may use this information to provide you with location-based services, such as advertising, search results, and other personalised content. Most mobile devices allow you to control or disable location services in the device's settings menu. If you have questions about how to disable your device's location services, we recommend you contact your mobile service carrier or the manufacture of your particular device.

In addition, we may collect and store any information you provide us when you use the Digital Applications or related services, including when you add information on a web form, add or update your account information, participate in community discussions, chats, or dispute resolutions, or when you otherwise correspond with us.

We may also obtain information about you from third parties such as credit reporting agencies and identity verification services.

You may choose to provide us with access to certain personal information stored by third parties such as social media sites (eg Facebook and Twitter). The information we may receive varies by site and is controlled by that site. By associating an account managed by a third party with your account with us and authorising us to have access to this information, you agree that we may collect, store and use this information in accordance with this Privacy Policy.


2. Types of Personal Information We Collect and Hold

We may collect the following types of personal information from you:

(a)                 contact information, such as your name, address, email address, phone numbers, and similar information;

(b)                 personal information, such as date of birth and educational qualifications;

(c)                 financial information, such as bank account details and credit card information; and

(d)                 social media handles.


3. How We Use Personal Information

The primary purpose for collecting your personal information is to provide you with a secure, smooth, efficient, and customised experience. We may use your personal information to:

(a)                 provide you with customer support and information on our products, services, events, programs, newsletters, email updates, and other services;

(b)                 verify your identity, including during account creation and password reset processes;

(c)                 customise, measure, and improve our and the content, layout, and operation of the Digital Applications and related services;

(d)                 manage and protect our information technology infrastructure;

(e)                 contact you at any telephone number, by placing a voice call or through text (SMS) or email messaging;

(f)                  perform creditworthiness and solvency checks, compare information for accuracy and verify it with third parties;

(g)                 design products and services.

(h)                 provide to you targeted marketing about our services and promotional offers and the services of our contractors unless and until you opt-out;

(i)                   process transactions and send notices about your transactions;

(j)                   confirm your identity for the purposes of the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 and assess applications or creditworthiness for premier or business accounts or products and services offered to premier or business accounts with third parties;

(k)                 resolve disputes, collect fees, and troubleshoot problems;

(l)                   detect, prevent or resolve violations  of policies or applicable user agreements; and

(m)               manage our risks and help detect, prevent, and/or remediate fraud or other potentially illegal or prohibited activities.


4. Personal Profile

When you use the Services, you may upload or download content, set up your personal profile, form relationships, send communication, perform searches and queries, form groups, set up events, add applications, and transmit information through various channels. We collect this information so that we can provide you the Services and offer personalised features. To provide you with more useful and personalised information the Digital Applications may also collect your personal information from other sources referred to in paragraph 1 above.


5. Privacy Settings

When you register with the Digital Applications, you may be asked to create your own profile and privacy settings. Your profile information is displayed to people in the networks specified in your privacy settings to enable you to connect with the Digital Applications and others users of them. We may occasionally use your personal information to send you notifications regarding new services offered by us, the Digital Applications or related services that we think you may find valuable.

When you use the Digital Applications, certain information you post or share with third parties (eg a friend or someone in your network), such as personal information, comments, messages, photos, videos, or other information, may be shared with other users in accordance with the privacy settings you select. All such sharing of information is done at your own risk. Please keep in mind that if you disclose personal information in your profile or when posting comments, messages, photos, videos, or other items, this information may become publicly available.


6. Protection of Personal Information

We use technological, legal and training means to provide the highest level of security and privacy for personal information.

Despite our security and privacy measures, personal information we collect is at your risk. We may have facilities for you to set privacy options that limit access to your personal information. However, please be aware that no security measures are perfect or impenetrable. We cannot control the actions of other users with whom you may choose to share your pages and information. Even after removal, copies of user-generated content may remain viewable in cached and archived pages elsewhere or files stored by others. Any improper collection or misuse of information should be reported to the Digital Applications.


7. Privacy of Email Addresses

The Digital Applications provide users the opportunity to opt-out of receiving communications, usually at the point where we request information about the user. The Digital Applications requires users to affirmatively ask to join mailing and subscriber lists. These lists are only available to authorised personnel.


8. Sale or Disclosure

Except as specified in this Privacy Policy, we will not sell your personal information. You consent and request for us to provide to you targeted marketing about our services and promotional offers and to use and disclose your personal information for provision of information by our contractors and others unless and until you opt-out.


9. Aggregated Browser Information

We analyse Digital Applications logs to constantly improve service. We use the log information to record various information regarding different sections of the Digital Applications. This helps make the Digital Applications more useful.


10. Cookies

We use cookies. Cookies are pieces of data that a website or email transfers to your computer's hard disk. Cookies can make your use of the web faster and beneficial by storing information about your preferences. The use of cookies is an industry standard and many major sites use them to provide useful features for their customers. Cookies in and of themselves do not personally identify users, although they do identify a user's computer. Most browsers are initially set up to accept cookies. If you'd prefer you can set yours to refuse cookies. However, you may not be able to take full advantage of a website if you do so.


11. Permitted Disclosure

If you become a registered user of any of the Digital Applications, you will be taken to consent to:

(a)                 your personal data being transferred to and processed in countries where our hosting servers are located;

(b)                 us using your personal information to check your identity, including to check your status (eg as a member of a defined user group) and for any merchant facility arrangement we have with bankers, their respective related bodies corporate, and their respective officers, employees and agents;

(c)                 use of your personal information by us and our authorised personnel and service provider contractors; for example, to improve service we may provide your personal information as statistical data to others for research and analysis purposes;

(d)                 us disclosing your personal information in situations where we reasonably believe it is necessary to identify, contact or bring legal action against anyone damaging, injuring, or interfering with our rights, either intentionally or unintentionally; and

(e)                 us disclosing your personal information to law enforcement agencies and others if we in good faith believe we are legally obligated to do so.


12. Disclosure of Personal Information Abroad

We are likely to disclose your personal information to the following countries:

(a)                 Republic of Korea;

(b)                 People’s Republic of China;

(c)                 India;

(d)                 Indonesia;

(e)                 Malaysia; and

(f)                  Singapore;

(f)                  Nepal;

(f)                  Philippines; and

(f)                  Bangladesh.


13. Consent for Platform Applications

If you, your friends, or members of your network use any third-party applications developed using third party applications on the Digital Applications ("Platform Applications"), you consent to those Platform Applications accessing and sharing certain personal information about you with others in accordance with your privacy settings. We do not screen or approve developers of Platform Applications and cannot control how those developers use any personal information that they may obtain in connection with Platform Applications.


14. Children Under Age 13

We do not knowingly collect or solicit personal information from anyone under the age of 13 or knowingly allow such persons to register. If you are under 13, please do not attempt to register or send any information about yourself to us, including your name, address, telephone number, or email address. No one under age 13 is permitted to provide any personal information to or on the Digital Applications. If we learn that we have collected personal information from a child under age 13 without verification of parental consent, we will delete that information as quickly as possible. If you believe that we might have any information from or about a child under 13, please contact us at hi@edwy.com


15. Children Between the Ages of 13 and 18

We recommend that minors over the age of 13 ask their parents for permission before sending any information about themselves to anyone over the internet.


16. Third Party Use of Personal Information

We are not responsible for the practices or content of other services or sites that are operated by third parties but which are linked to our Digital Applications. If we are linked to third party services or sites, that does not necessarily constitute sponsorship, endorsement or approval by the Digital Applications of the content, policies or practices of those services or sites. If you leave our Digital Applications via such a link, you should check the privacy policy of the third party site.

We may use third parties to manage the Digital Applications and activities from time to time, including, but not limited to, promotions and statistical analysis. These parties may have access to and store the personal information of users of the Digital Applications. Similarly, we may contract with third parties to handle requests for information submitted to us.


17. Business Transfer

If the ownership changes of all or a substantial part of our business, or individual business units, yourpersonal information (including your profile with the Digital Applications) may be transferred to the new owner so the service or the transferred part of it can continue operations. In any such transfer of information, your personal information would remain subject to this Privacy Policy at the time of the transfer and then to the privacy policy of the new owner.


18. Links

The Digital Applicationsmay contain links to sites and applications published by others. Please note we have no control over their privacy practices.


19. Right of Access and Correction

Generally speaking, you may access the personal information the Digital Applications hold about you by sending an email giving full details to our Privacy Officer set out in paragraph 22. Generally, if any of that information is incorrect, you can have that information corrected by sending an email giving full details to our Privacy Officer set out in paragraph 22. If you provide us with your personal information and you later decided that you would no longer like to receive information from us, follow the "Unsubscribe" directions at the end of any email or other communication you receive from us.


20. Privacy Policy Continuity

This Privacy Policy may change, so we encourage you to check it from time to time. If we develop a revised privacy policy then on its publication on the Digital Applications it will supersede the one before it.


21. Complaints about Our Privacy Practices

For any complaint about our privacy practices, please provide details to the Privacy Officer, whose contact details are in Paragraph 22. We will then respond.


22. Contact Details

For any questions regarding the above Privacy Policy please contact:

The Privacy Officer

Web  www.studyadvisor.com.au

Email hi@studyadvisor.com.au