Privacy Policy - Financial Literacy Australia

Legal entity: TEX Education Pty Ltd trading as Financial Literacy Australia (ABN 87 671 583 387) (“we”, “us”, or “our”). Last updated: 21 October 2026.

1. Who this policy covers

This policy explains how we handle personal information for people who use the Financial Literacy Australia mobile app (FLAUS) and related app accounts. The app is financial literacy education for adults. It is not financial, legal, tax, or clinical advice. We are not a bank and we are not a registered NDIS provider.

2. What we collect

We may collect:

Account details: name, email, phone number (if you provide it), and a user ID for your account. You may sign in with email, Sign in with Apple, or Google.

Learning data: lesson progress, goals you type, quiz or practice responses, and product interaction events that help the app remember what to show next.

Chat messages: text you send to in-app Chat so we can reply with lesson-grounded education content. Messages are screened for safety.

Documents you choose to scan: if you use scan-a-bill or document explain, the image is processed to answer your request. We do not keep those images on our servers after the answer is produced.

Voice practice (when enabled in a build): if you use Talk, audio may be transcribed to text to create a reply. Audio is not kept as a recording after processing.

Diagnostics:crash and performance data via Sentry when that service is configured for the build, so we can fix bugs. Device identifiers used for diagnostics are not used to track you across other companies' apps or websites.

We do not sell your personal information. We do not use App Tracking Transparency tracking across other companies' apps or websites.

3. Why we use it

We use personal information to run your account, deliver lessons and tools, improve reliability, keep people safe (including crisis resource prompts where needed), and meet legal duties.

4. Who processes data for us

We use service providers to host and process data. They are grouped by product below. Optional features only apply when that feature is turned on for your build and you choose to use it.

Learning app and CMS

These services help run the learning product and store your account and lesson data.

  • Amazon Web Services (AWS) - Hosts the app API, database, and media storage. Region: Sydney, Australia. Always when you use this product. Data: Account details, lesson progress, uploads, and sessions.
  • Amazon Bedrock - Powers AI education features such as chat replies. Region: Sydney, Australia. Always when you use this product. Data: Text you send to AI tools in the app.
  • Amazon Polly and Amazon Transcribe - Spoken replies and speech-to-text for voice practice. Region: Sydney, Australia. Only when that feature is turned on for your build. Data: Short audio clips for transcription; spoken replies.
  • Sentry - Crash and performance diagnostics. Region: European Union (ingest pinned in app code). Only when that feature is turned on for your build. Data: Scrubbed crash and performance data - not used to track you across other apps.
  • Sign in with Apple - Lets you create or sign in to an account with Apple. Region: Apple (global). Only after you choose (consent banner or in-app choice). Data: Identity token; name or email if Apple shares them on first sign-in.
  • Google Sign-In - Lets you create or sign in to an account with Google when enabled. Region: Google (global). Only when that feature is turned on for your build. Data: Identity token for account sign-in.

Marketing website (flaus.com.au)

These services host or measure visits to this website. Analytics and ads tags run only after you choose in the consent banner.

  • Vercel - Hosts this marketing website. Region: Vercel edge network. Always when you use this product. Data: Website pages and contact form delivery.
  • Google Tag Manager - Manages analytics and marketing tags on this site. Region: Google (global). Only after you choose (consent banner or in-app choice). Data: Visit and event data after cookie consent.
  • Meta Pixel - Measures marketing visits and conversions on this site. Region: Meta (global). Only after you choose (consent banner or in-app choice). Data: Visit and conversion data after cookie consent.
  • LinkedIn Insight Tag - Measures marketing visits and conversions on this site. Region: LinkedIn (global). Only after you choose (consent banner or in-app choice). Data: Visit and conversion data after cookie consent.
  • Resend - Sends transactional email from the contact form. Region: Resend (region not published here). Always when you use this product. Data: Name, email, and message from the contact form.

Enrolment and signature (enrol.flaus.com.au)

These services support NDIS enrolment and e-signature when someone uses enrol.flaus.com.au.

  • Railway - Hosts the enrolment and signature application. Region: Railway (region not published here). Always when you use this product. Data: Enrolment form and agreement workflow data.
  • Didit - Identity verification during enrolment. Region: Didit (region not published here). Always when you use this product. Data: Identity check details you provide during enrolment.
  • Resend - Sends enrolment confirmation and ops emails. Region: Resend (region not published here). Always when you use this product. Data: Email address and enrolment notification content.

5. Overseas disclosure

Account and lesson data for the learning app are stored in Australia (AWS Sydney). Some providers may process personal information outside Australia. We take steps that are reasonable in the circumstances to protect personal information when it is disclosed overseas.

Providers that may process data outside Australia:

  • Sentry - European Union (ingest pinned in app code) (crash and performance diagnostics)
  • Sign in with Apple - Apple (global) (lets you create or sign in to an account with apple)
  • Google Sign-In - Google (global) (lets you create or sign in to an account with google when enabled)
  • Vercel - Vercel edge network (hosts this marketing website)
  • Google Tag Manager - Google (global) (manages analytics and marketing tags on this site)
  • Meta Pixel - Meta (global) (measures marketing visits and conversions on this site)
  • LinkedIn Insight Tag - LinkedIn (global) (measures marketing visits and conversions on this site)
  • Resend - Resend (region not published here) (sends transactional email from the contact form)
  • Railway - Railway (region not published here) (hosts the enrolment and signature application)
  • Didit - Didit (region not published here) (identity verification during enrolment)
  • Resend - Resend (region not published here) (sends enrolment confirmation and ops emails)

6. Account deletion

You can delete your account in the app: open Settings, then Delete account, and confirm. This removes your account and associated personal data from our systems according to our erasure process. If you used Sign in with Apple, we also revoke the related Apple tokens where required.

7. Security and retention

We use technical and organisational measures appropriate to the risk to protect personal information. We keep information only as long as needed for the purposes above, or as required by law, then delete or de-identify it.

8. Your rights

You may ask to access or correct personal information we hold about you, or make a privacy complaint. Contact us using the details below. You may also contact the Office of the Australian Information Commissioner (OAIC).

9. Children

The app is designed for adults 18+. It is not directed at children.

10. Contact

Privacy and support: mentors@flaus.com.au
Phone: 1800 352 871
Web: flaus.com.au/support