Privacy Policy
Last Updated: November 2025
Business Name: Lance Mulu (sole trader)
Website: www.lancemulu.com.au
Contact:hello@lancemulu.com.au
Location: Sydney, NSW, Australia
1. Introduction
This Privacy Policy explains how Lance Mulu (“the business”) collects, uses, discloses, and protects personal information. The business complies with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).
By using the website, subscribing, booking a session, completing a quiz, or purchasing services, users agree to the terms of this Privacy Policy.
2. Personal Information Collected
2.1 Basic Information
The business may collect:
Names
Email addresses
Phone numbers
Postal addresses (when provided)
2.2 Payment Information
Payments are processed securely through Stripe or PayPal.
The business does not store full credit card numbers or sensitive payment details.
2.3 Information Provided Voluntarily
The business collects information when users:
Submit forms
Book appointments through Calendly
Send emails or messages
Download resources
Complete quizzes or surveys
Participate in coaching sessions or clarity calls
This information may include personal goals, financial circumstances, or details relevant to home-buying readiness.
2.4 Sensitive Information
The business may collect sensitive information, including:
Financial details
Personal circumstances
Background information
Lending or borrowing goals
Sensitive information is collected only with the user’s explicit consent, which is provided by voluntarily submitting such details.
2.5 Automatically Collected Information
The website host (Hostinger) may log:
IP addresses
Browser types
Device information
Pages viewed
Basic website performance statistics
These logs help maintain security and improve user experience.
3. How Information Is Collected
The business collects personal information when users:
Subscribe to the Beehiiv email list
Book sessions via Calendly
Purchase services
Submit forms or quizzes
Communicate with the business through email or the website
Download free or paid content
4. Purposes for Collecting Information
The business collects personal information to:
Provide coaching or educational services
Deliver clarity calls and programs
Process payments
Send newsletters, updates, and educational material
Respond to enquiries and provide support
Improve services and website performance
Maintain administrative and financial records
Comply with legal obligations
Sensitive information is used only for its intended purpose.
5. Email Marketing & Communication
Users who subscribe to the newsletter consent to receiving:
Educational emails
Program updates
Offers and resources relevant to their interests
All emails from Beehiiv include an unsubscribe link. The business complies with the Spam Act 2003 (Cth).
6. Disclosure of Personal Information
6.1 Third-Party Service Providers
The business may disclose information to trusted providers, such as:
Beehiiv (email marketing)
Calendly (booking software)
Hostinger (website hosting)
Stripe / PayPal (payment processing)
IT or security support specialists
These providers may store data in jurisdictions such as the USA or EU.
6.2 Legal or Required Disclosure
Personal information may be disclosed where required by:
Law enforcement
Regulators
Court orders
Legal or financial advisers
6.3 Business Changes
If the business undergoes restructuring or transfers ownership, personal information may be transferred to the new entity under the conditions of this policy.
7. Overseas Disclosure
Some third-party services used by the business store or process information overseas, including:
The United States
European Union member countries
The business takes reasonable steps to ensure overseas recipients handle personal information in accordance with privacy standards comparable to the APPs.
8. Storage and Security of Information
The business uses reasonable measures to protect personal information, including:
SSL encryption
Secure third-party platforms
Password-protected systems
Limited access controls
No online system is completely secure, and users submit information at their own risk.
9. Access to and Correction of Information
Users may request:
Access to their personal information
Corrections to inaccurate or outdated information
Deletion of information, where lawful
Requests may be emailed tohello@lancemulu.com.au
The business will respond within 30 days.
10. Data Retention
The business retains personal information only for as long as necessary for:
Service delivery
Record-keeping
Legal and tax obligations
Business operations
When information is no longer required, it is deleted or de-identified where possible.
11. Children’s Privacy
The website and services are not intended for individuals under 16. The business does not knowingly collect personal information from children. If information from a minor is discovered, it will be removed upon request.
12. Cookies & Website Technology
The business does not intentionally use advertising pixels or remarketing tools at this time. However, the hosting provider may use essential cookies for:
Security
Website performance
Error detection
If additional tracking tools are introduced, this policy will be updated.
13. Complaints
Users may submit privacy complaints to:
Email: hello@lancemulu.com.au. The business will respond within 30 days.
If unresolved, users may contact the:
Office of the Australian Information Commissioner (OAIC)
Website: www.oaic.gov.au
Phone: 1300 363 992
14. Changes to This Privacy Policy
The business may update this policy from time to time. The “Last Updated” date reflects the most recent version.
Continued use of the website indicates acceptance of any changes.
15. Contact Information
For privacy-related enquiries: Email: hello@lancemulu.com.au or Website: www.lancemulu.com.au