Legal

Privacy Policy

Effective: 25 October 2026.

1. Who we are

Liquidity Labs ("we", "us") runs liquiditylabs.com.au and the Liquidity Labs Education community. We handle personal information in line with the Privacy Act 1988 (Cth) and the Australian Privacy Principles.

2. What we collect

From your application:

your email address;
confirmation that you're 18 or older and live in Australia;
your trading experience;
your answers to the risk-understanding questions;
what you want to learn; and
whether you've opted in to hearing about other services.

When you join and pay:

your Discord username and ID, so we can give you the Education role;
Payment: the Square payment reference, amount, currency, date and the access period it pays for, plus any refund records. Square collects and holds your card details; we never receive your full card number.

When you use the Service:

messages you post in our Discord community;
support emails you send us;
technical logs, such as IP address, browser type and sign-in events, used for security and reliability;
we don't currently use site analytics (see section 7).

Existing members on closed plans: if you connected a Telegram or Discord account, or an MT5 account identifier, under a plan you joined before it closed, we keep using those details to provide that plan until your term ends.

We don't ask for government ID, and we don't ask about your income, assets or finances.

3. Why we collect it

We use your information:

to assess your application;
to take payment and give you access, and to remove access when it ends;
to send emails about your membership, such as your welcome, renewal reminders, refunds and changes to our terms;
to answer support requests;
to keep the Service secure and working; and
with your consent, to understand how the site is used.

We send marketing emails only if you opted in, and you can unsubscribe at any time. We don't sell your personal information.

If you don't give us the application information, we can't assess your application.

4. Who we share it with

We share personal information only with the providers we need to run the service:

Payment provider: Square, which processes payments and refunds.
Email provider, which sends account and transactional emails, such as your welcome, payment links, renewal reminders and refund confirmations.
Discord, which delivers the Education community and lessons if you join our server. Telegram is used only for existing members' connected accounts.
Cloud infrastructure providers, which host our website and store data securely.
Business email host, which stores the messages you send to admin@liquiditylabs.com.au and our replies.
AI tools, which may help us sort and draft replies to support messages or member questions.
PostHog, for site analytics. Analytics is currently switched off. If we switch it on, it will run only for visitors who choose "Accept analytics" (see section 7).

We don't sell your personal information. We also disclose information where the law requires it.

5. Overseas disclosure

Some of our providers store or process information outside Australia:

Website hosting, database, logs and backups: Indonesia.
Transactional email (welcome, payment-link, renewal and refund emails): Japan.
Payments (Square): Australia, with some processing in the United States, Canada, Japan, Ireland, France, Spain and the United Kingdom.
Discord: the United States.
Telegram (existing members' connected accounts only): several countries, including the Netherlands.
AI tools that may process support messages or member questions: the United States or other countries where those providers operate.
Our business email host, which may store data outside Australia.
PostHog (analytics, only if it's switched on and you consent): the United States.

We take reasonable steps to make sure these providers handle personal information consistently with the Australian Privacy Principles.

6. How long we keep it

Payment and refund records are kept for as long as Australian tax law requires, which is generally five years, even if you close your account or ask us to delete your data.
Application answers for declined applicants are deleted after 90 days.
Other account information (not payment or refund records) is kept while you're a member, and for 2 years after you leave, unless you ask us to delete it sooner and we aren't required to keep it.

7. Cookies and analytics

Essential cookies. We use session cookies to keep you signed in and to protect your account. They're needed for the site to work, and if you block them, you can't sign in.

Analytics. We don't currently use analytics cookies or site analytics. Before we switch them on, we'll update this policy and ask for your consent. Analytics will run only if you choose "Accept analytics".

8. Security

We use encrypted connections. Access to our systems is limited to what's needed to run the Service. No system is completely secure. If you find a security problem, please email admin@liquiditylabs.com.au.

9. Your rights

You can ask us to show you the personal information we hold about you, correct it, or delete it where we aren't required to keep it. Email admin@liquiditylabs.com.au. We'll reply within 30 days.

If you're unhappy with how we've handled a privacy complaint, you can complain to the Office of the Australian Information Commissioner at oaic.gov.au.

10. Changes

We may update this policy. If a change is material, we'll email members at least 14 days before it takes effect.

11. Contact

For privacy questions, requests or complaints, email admin@liquiditylabs.com.au.