Privacy Policy — Joshy K

Last updated: 20 November 2025

1. Overview

This Privacy Policy explains how Joshy K (“we”, “us”, “our”) collects, uses, stores, and protects your personal information when you visit our website, engage with our content, or book general-information sessions.

By using this website, you agree to the terms of this Privacy Policy.

We comply with the Australian Privacy Principles (APPs) under the Privacy Act 1988 (Cth).

2. Information We Collect

2.1 Personal Information You Provide

We may collect personal information when you:

  • Submit a contact form

  • Subscribe to newsletters

  • Book a session via scheduling tools

  • Request downloads, guides, or content

  • Interact with us on social media

This may include:

  • Name

  • Email address

  • Phone number

  • Any other details you include voluntarily

2.2 Technical & Usage Data

We may collect:

  • IP address

  • Browser type

  • Device information

  • Pages visited

  • Time spent on the website

  • Referring URLs

  • Cookies and analytics data

2.3 Sensitive Information

We do not collect sensitive information (such as financial details or health information) through the website.
Financial documents or personal data shared by clients are handled outside the website using secure systems such as Xplan.

3. How We Use Your Information

We use personal information for purposes including:

  • Responding to enquiries

  • Sending newsletters, updates, and educational content

  • Managing bookings via third-party scheduling tools

  • Improving website performance and user experience

  • Analysing site traffic and engagement

  • Providing general educational resources

  • Delivering requested downloads or content

We will never sell or trade your personal information.

4. General Advice Warning

Content on this website, including videos, articles, guides, and downloads, is for general informational and educational purposes only.
It does not take into account your personal objectives, financial situation, or needs and is not personal financial advice.

You should consider whether the information is appropriate for your circumstances and seek professional advice before making financial decisions.

5. Third-Party Providers & Disclosure

We may share your information with third-party service providers that support website functionality, including but not limited to:

  • Mailchimp — email newsletters

  • Calendly — appointment scheduling

  • Website hosting services

  • Analytics providers

  • Advertising platforms, if used in future

These providers may store data overseas.

We may also disclose information if required by law or to protect our legal rights.

6. Cookies, Analytics & Future Advertising Tools

Our website uses cookies and similar technologies to:

  • Improve the user experience

  • Monitor website traffic

  • Analyse engagement

  • Support marketing and retargeting activities (if used in future)

You can disable cookies through your browser, but some features may not function correctly.

7. Children & Age Restrictions

This website is intended for individuals 18 years or older.
We do not knowingly collect personal information from minors.
If you believe a person under 18 has submitted personal information, please contact us through the website’s contact form so we can delete it.

8. Data Storage & Security

We take reasonable steps to protect personal information from misuse, loss, unauthorised access, modification, or disclosure.

All client documents and personal financial data are stored outside this website in secure systems once formal contact has been made.

No method of online transmission is 100% secure, but we follow industry-standard practices.

9. Access, Corrections & Requests

You may request access to your personal information or ask for corrections if information is inaccurate.

You can contact us via the contact form on our website for any privacy-related requests.

10. International Transfers

Some third-party providers may store information overseas.
By engaging with this website, you consent to these transfers where necessary for service delivery.

11. Changes to This Policy

We may update this Privacy Policy from time to time.
The latest version will always appear on this page with the updated date.