Ripper Wealth

Foundations

Before you invest, get your house in order. Set goals, track cash flow, and build emergency reserves.

What To Own

Understanding asset classes and their roles in a balanced portfolio.

Why It Works

Historical context, wealth cycles, and the economic principles that drive markets.

AI-Powered Education

Cycle-aware tools backed by institutional-grade research

How To Execute

Profile-specific strategies. Content varies based on your persona (PAYG, Business Owner, Property/Crypto/Stock Investor, etc.).

When To Adjust

Timing and signals. Know when to buy, sell, or hold based on market cycles.

More

Learn about us, get help, share feedback.

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Privacy Policy

Last updated: January 29, 2026

This Privacy Policy explains how Ripper Wealth Pty Ltd (ABN 86 693 448 912) collects, uses, stores, and protects your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

1. Information We Collect

We collect the following types of personal information:

Information You Provide:

  • Account Information: Email address, display name, and password (encrypted)
  • Profile Information: Investment goals, experience level, risk tolerance, learning preferences, and progress tracking data
  • Payment Information: Processed and stored securely by Stripe (PCI-DSS compliant). We only store the last 4 digits of your card and billing postal code
  • Communications: Feedback, support requests, and any correspondence with us
  • Referral Information: If you refer friends, we collect their email addresses (with your consent to share)

Information Collected Automatically:

  • Usage Data: Pages visited, features used, time spent, interactions with educational content, quiz results, calculator inputs
  • Device Information: Browser type, operating system, IP address (anonymised), screen resolution
  • Cookies: Session cookies (essential), authentication tokens, and optional analytics cookies

2. How We Use Your Information

We use your personal information for the following purposes (APP 6):

Primary Purposes:

  • Provide and personalise educational services and tools
  • Process payments and manage subscriptions
  • Track your learning progress and customise content recommendations
  • Authenticate your account and prevent unauthorised access
  • Respond to support enquiries and feedback

Secondary Purposes (with your consent where required):

  • Send quarterly newsletters with market insights (opt-out available)
  • Send important service updates and announcements
  • Analyse usage patterns to improve our platform (anonymised data)
  • Conduct research to develop new features and educational content
  • Process referral rewards and track referral program participation

Legal Obligations:

  • Comply with Australian taxation laws (GST, income reporting)
  • Respond to lawful requests from government authorities
  • Prevent fraud, abuse, and illegal activities

3. Information Sharing and Disclosure (APP 6)

We do not sell, rent, or trade your personal information. We share your data only in the following limited circumstances:

Third-Party Service Providers:

  • Stripe: Payment processing (see Stripe Privacy Policy)
  • Supabase: Secure database hosting and authentication (USA, GDPR-compliant)
  • Vercel: Website hosting and content delivery (USA)
  • Analytics providers: Privacy-friendly analytics (anonymised data only, no personal identifiers)

These providers are contractually bound to protect your data and use it only for the purposes we specify.

Legal Requirements:

  • If required by law, court order, or government authority
  • To protect our legal rights or defend against claims
  • To prevent fraud or illegal activity

Business Transfers:

  • If Ripper Wealth Pty Ltd is acquired or merged, your data may be transferred to the new owner (you will be notified in advance)

4. Data Security (APP 11)

We implement industry-standard security measures to protect your personal information:

  • Encryption: All data is encrypted in transit (TLS 1.3) and at rest (AES-256)
  • Access Controls: Strict role-based access controls; only authorised personnel can access personal data
  • Authentication: Secure password hashing (bcrypt), optional two-factor authentication (2FA)
  • Regular Audits: Security reviews and penetration testing
  • Data Backups: Encrypted backups with secure retention policies
  • Incident Response: Procedures to detect, respond to, and notify you of data breaches as required by law

While we take all reasonable steps to protect your data, no system is completely secure. You are responsible for keeping your password confidential.

5. Your Rights (APPs 6, 12, 13)

Under the Privacy Act 1988 and Australian Privacy Principles, you have the right to:

  • Access Your Data (APP 12): Request a copy of all personal information we hold about you (free of charge)
  • Correct Your Data (APP 13): Request correction of inaccurate or outdated information
  • Delete Your Data: Request deletion of your account and personal information (subject to legal retention requirements)
  • Export Your Data: Download your data in a portable format (CSV/JSON)
  • Opt Out of Marketing: Unsubscribe from newsletters at any time (link in every email)
  • Restrict Processing: Request that we limit how we use your data
  • Complain: Lodge a complaint with us or the Office of the Australian Information Commissioner (OAIC)

To exercise these rights, email us at privacy@ripperwealth.com.au. We will respond within 30 days.

6. Cookies and Tracking Technologies

We use the following types of cookies:

  • Essential Cookies: Required for login, authentication, and security (cannot be disabled)
  • Functional Cookies: Remember your preferences and settings
  • Analytics Cookies: Understand how you use our platform (anonymised, opt-in only)

You can manage cookies through your browser settings. Disabling essential cookies may affect site functionality.

7. Data Retention

We retain your personal information for as long as necessary to:

  • Provide our services (while your account is active)
  • Comply with legal obligations (e.g., tax records for 7 years)
  • Resolve disputes and enforce our terms

When you delete your account, we will delete your personal data within 30 days, except for:

  • Transaction records (required by law for 7 years)
  • Anonymised usage data for research purposes
  • Data required for legal compliance or pending disputes

8. Children's Privacy

Our Service is intended for individuals 18 years and older. We do not knowingly collect personal information from children under 18. If we discover such data, we will delete it immediately.

9. International Data Transfers

Your data may be stored and processed in Australia and the United States (via Supabase and Vercel). These providers comply with data protection standards equivalent to Australian law (GDPR compliance).

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Material changes will be communicated via email at least 14 days before taking effect. Continued use after changes constitutes acceptance.

You can view previous versions by contacting us.

11. Contact Information and Complaints

Privacy Officer:
Ripper Wealth Pty Ltd
ABN: 86 693 448 912
Business Address: Level 1, 16 McDougall St, Milton QLD 4064, Australia
Email: privacy@ripperwealth.com.au

If you have a complaint:

  1. Contact us at privacy@ripperwealth.com.au (we will respond within 30 days)
  2. If unsatisfied, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC):

General Enquiries:
Email: support@ripperwealth.com.au