TWJ Trading PTY LTD — Privacy Policy

TWJ Trading PTY LTD ("TWJ Trading", "we", "us" or "our") respects your privacy and is committed to handling personal information responsibly. This Privacy Policy explains how we collect, hold, use and disclose personal information when you visit twjtrades.com (the "Site"), submit an application or enquiry, book a call, purchase or participate in our educational programs, communicate with us, or otherwise interact with our services.

Where applicable, we handle personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles ("APPs").

1. Personal Information We Collect

Depending on how you interact with us, we may collect:

• your full name;
• email address;
• telephone number;
• billing and transaction information;
• application, intake and onboarding responses;
• communications between you and TWJ Trading;
• information you voluntarily provide during calls, forms or participation in our programs; and
• other information reasonably necessary to provide our services.

We may also automatically collect technical and usage information including your IP address, browser and device information, operating system, pages viewed, referring and exit pages, approximate location derived from technical information, interactions with our Site and forms, and cookie/tracking information.

2. How We Collect Personal Information

We may collect personal information directly from you when you complete a form, apply for a program, book a call, purchase a product or service, communicate with our team, subscribe to communications, participate in our programs or communities, or otherwise interact with us.

We may also receive information through service providers and platforms used to operate our business, including our CRM, scheduling, analytics, payment, advertising and communications providers.

3. How We Use Your Information

We may use your information to:

• process applications and enquiries;
• provide educational products, coaching and services;
• schedule and conduct calls;
• process and administer purchases;
• provide customer support;
• manage program access;
• send appointment and service communications;
• send marketing communications where permitted;
• improve our Site and services;
• analyse advertising and Site performance;
• measure conversions and optimise advertising;
• prevent fraud and misuse;
• maintain business records; and
• comply with applicable legal obligations.

4. Email, SMS and Marketing Communications

Where you have provided consent, or where otherwise permitted by applicable law, we may contact you regarding TWJ Trading products, services, educational content and offers by email, SMS or other electronic means.

You may opt out of marketing communications at any time. Marketing emails will contain an unsubscribe facility. Where available, you may opt out of SMS marketing by replying STOP or following the opt-out instructions contained in the message.

Withdrawing marketing consent does not prevent us from sending communications reasonably necessary to provide a service you have requested, including appointment reminders, transaction information and important service communications.

Consent to receive marketing communications is not a condition of purchasing our products or services unless expressly stated otherwise and permitted by law.

5. Telephone Communications

Where permitted by law, we may contact individuals who have requested information, booked a call or otherwise consented to being contacted.

Our telemarketing activities are intended to comply with applicable Australian telemarketing requirements. You may tell us at any time that you do not wish to receive marketing calls.

6. Cookies, Analytics and Advertising

Our Site may use cookies, pixels and similar technologies for essential Site functionality, analytics, advertising attribution, conversion tracking, audience measurement and retargeting.

Third-party platforms may process information collected through these technologies in accordance with their respective privacy policies.

You may restrict cookies through your browser or device settings, although doing so may affect Site functionality.

7. Third-Party Service Providers

We may disclose personal information where reasonably necessary to service providers assisting us with:

• website hosting;
• CRM and customer management;
• appointment scheduling;
• email and SMS communications;
• payment processing;
• customer support;
• analytics and conversion measurement;
• advertising;
• cloud storage;
• IT and security; and
• professional services.

We may also disclose information where required or authorised by law, to protect our legal rights or the safety of others, investigate suspected fraud or unlawful conduct, or in connection with a merger, acquisition, restructuring or sale of the business.

We do not sell personal information as a standalone commercial product.

8. Overseas Processing

Some technology and service providers used by TWJ Trading may store or process personal information outside Australia, including in the United States and other jurisdictions in which our providers operate.

Where Australian privacy law applies to an overseas disclosure, we will take reasonable steps required by applicable law in connection with that disclosure.

9. Access and Correction

Subject to applicable law, you may request access to personal information we hold about you or request correction of information that is inaccurate, out-of-date, incomplete, irrelevant or misleading.

We may need to verify your identity before processing a request.

10. Direct Marketing

You may request that we stop using your personal information for direct marketing. We will handle such requests in accordance with applicable Australian law.

11. Data Retention

We retain personal information for as long as reasonably necessary to provide our services, maintain business and transaction records, comply with legal, taxation and accounting obligations, resolve disputes, prevent fraud and enforce agreements.

When information is no longer reasonably required and we are not legally required to retain it, we will take reasonable steps to delete or de-identify it where required by applicable law.

12. Security

We take reasonable technical, organisational and administrative measures designed to protect personal information from misuse, interference, loss, unauthorised access, modification and disclosure.

No electronic transmission or storage system can, however, be guaranteed to be completely secure.

13. Children

Our trading education products and services are intended for persons aged 18 years or older. We do not knowingly offer these programs to children under 18.

14. Privacy Complaints

If you have concerns about how we have handled your personal information, please contact us.

Where the Privacy Act applies to us and you are dissatisfied with our response, you may have the right to lodge a complaint with the Office of the Australian Information Commissioner.

15. Contact

TWJ Trading PTY LTD
Victoria, Australia
Email: james@twjtrades.com
Website: twjtrades.com

16. Changes to this Policy

We may update this Privacy Policy from time to time. The current version will be published on our Site with an updated "Last Updated" date.