Privacy Policy

Last updated: 30 July 2026

1. Introduction

Skipper Money Pty Ltd (ABN [INSERT ABN], "Skipper Money", "we", "us", "our") provides independent financial education and coaching to employees, offered as a workplace benefit through participating employers. This Privacy Policy explains how we collect, hold, use, and disclose personal information, and how you can access or correct it, or make a complaint.

We are committed to handling personal information in accordance with the Australian Privacy Principles (APPs) under the Privacy Act 1988 (Cth), regardless of whether our turnover places us below the threshold at which the Act's small business exemption would otherwise apply. We consider this the right standard for a business whose whole purpose is helping people trust that someone is genuinely on their side.

2. Scope

This policy applies to personal information we collect through our website, the contact and sign-up form, one-on-one coaching sessions and any related booking or scheduling process, correspondence with us, and information provided by a participating employer in connection with the program.

3. Not financial product advice

Skipper Money does not hold an Australian Financial Services Licence (AFSL) and does not provide personal financial product advice. The information we collect is used to deliver factual financial education and coaching, not to generate personalised financial product recommendations. See our Terms of Use for the full disclaimer, which also appears in the footer of every page on our website.

4. Personal information we collect

Information you give us directly: your name, email address, and employer's name; the sign-up code provided by your employer; any message you include when contacting us; and information you share with your Skipper coach during sessions, plus general notes we keep to provide continuity between sessions (topics discussed and agreed next steps — not a verbatim transcript).

Information from your employer: confirmation that you're an eligible employee, and the sign-up code issued to your workplace. Employers do not provide us with any personal financial information about you.

Information generated through booking a session: details needed to schedule and confirm a session, which may be processed through a third-party scheduling tool.

Technical information: our website does not use marketing, advertising, or analytics cookies. Standard web server logs (such as IP address and browser type) may be automatically generated by our hosting provider for security and operational purposes. Our website loads fonts from Google Fonts, which may involve your device connecting to Google's servers.

We do not collect sensitive information (such as health information) unless you choose to volunteer it as relevant context in a coaching session, and even then only to the extent reasonably necessary to provide the service.

5. How we collect personal information

We collect personal information directly from you (through our website form, email, or in coaching sessions), from your employer (limited to eligibility and sign-up code administration), and through third-party service providers we use to run our website and deliver sessions.

6. Why we collect, hold, and use personal information

We use personal information to respond to your enquiry and get you started; schedule, deliver, and follow up on coaching sessions; administer the program with your participating employer (participation status only — see section 7); maintain the security and proper operation of our website and services; and comply with our legal obligations. We do not use your personal information for unrelated marketing purposes, and we do not sell, rent, or trade it.

7. Who we share your information with

Your employer. Where your employer sponsors your access, we may confirm to them that you have signed up or engaged with the program. We do not share the content of your coaching sessions, session notes, or any personal financial information with your employer. What you discuss with your Skipper coach stays between you and your coach.

Service providers. We use trusted third-party providers to help us run our website and deliver our services, including website hosting and content delivery (Cloudflare), transactional email delivery (such as Resend), and session scheduling (such as Calendly). These providers only handle personal information as needed to perform their function for us and are subject to their own confidentiality and data protection obligations.

We do not share your personal information with financial product providers, licensed financial advisers, or any other third party for referral, introduction, or marketing purposes. If your situation calls for licensed advice, that's a conversation between you and a licensed professional of your own choosing — we don't pass your details along to anyone for that purpose.

Legal disclosure. We may disclose personal information where required or authorised by law, or where we believe disclosure is necessary to prevent a serious threat to someone's life, health, or safety.

Business changes. If Skipper Money is involved in a merger, acquisition, or sale of some or all of its business, personal information may be transferred as part of that transaction, subject to equivalent privacy protections.

8. Overseas disclosure

Some of the service providers referred to above may store or process personal information on servers located outside Australia. Where this occurs, we take reasonable steps to ensure your personal information continues to be handled consistently with the Australian Privacy Principles, including by using providers with recognised data protection standards.

9. Data security

We take reasonable technical and organisational steps to protect personal information from misuse, interference, loss, and unauthorised access, modification, or disclosure. No method of storage or transmission is completely secure, and we cannot guarantee absolute security.

10. How long we keep your information

We retain personal information for as long as reasonably necessary to provide the service, maintain the coaching relationship, and meet our legal and administrative obligations, after which we take reasonable steps to destroy or de-identify it.

11. Accessing and correcting your information

You may request access to the personal information we hold about you, and ask us to correct it if it's inaccurate, out of date, incomplete, or misleading. To do so, contact us at hello@skippermoney.com.au. We will respond within a reasonable time.

12. Cookies

Our website does not use cookies for advertising, marketing, or behavioural tracking. If this changes in future, we will update this policy accordingly.

13. Children

Our services are designed for employees accessing a workplace benefit and are not directed at or intended for children. We do not knowingly collect personal information from children.

14. Changes to this policy

We may update this policy from time to time. The current version will always be available on our website, with the "last updated" date shown above.

15. How to make a complaint

If you believe we have mishandled your personal information, please contact us first at hello@skippermoney.com.au so we can try to resolve it directly — we aim to respond within 30 days. If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au or on 1300 363 992.

16. Contact us

Skipper Money Pty Ltd
[Registered address to be inserted]
Email: hello@skippermoney.com.au