Information We Collect

We collect information that helps us deliver quality financial education focused on liquidity and solvency analysis. The data we gather falls into several categories.

Personal Identification Information

When you register for our learning programs or contact us, we collect basic details like your name, email address, phone number, and postal address. If you're enrolled in our courses, we might also collect your educational background and professional experience to tailor content appropriately.

Financial Information

For course purchases and subscriptions, we collect payment details including credit card numbers, billing addresses, and transaction history. This information is processed through secure payment gateways and we don't store complete credit card numbers on our servers.

Usage and Technical Data

Our systems automatically collect technical information when you visit our website. This includes IP addresses, browser types, device information, operating systems, and how you interact with our educational content. We use this to understand which topics resonate most with learners.

How We Use Your Information

Your data serves specific purposes related to delivering and improving our financial education services. We're transparent about these uses and don't employ your information for unrelated activities.

• Providing access to liquidity and solvency analysis courses and learning materials
• Processing payments and maintaining accurate billing records
• Sending course updates, educational resources, and program announcements
• Responding to your inquiries and providing customer support
• Analyzing learning patterns to improve course content and delivery methods
• Ensuring platform security and preventing fraudulent activities
• Complying with legal obligations under Australian financial education regulations

Data Sharing and Disclosure

We don't sell your personal information to third parties. However, we do share data with specific service providers who help us operate our educational platform.

Service Providers

We work with companies that provide hosting services, payment processing, email delivery, and analytics. These providers access only the information necessary for their specific functions and are contractually bound to protect your data.

Legal Requirements

Sometimes we're required to disclose information to comply with Australian laws, respond to legal processes, or protect our rights and the safety of our users. This might include responding to court orders or assisting law enforcement when legally obligated.

Business Transfers

If vexolirona merges with another organization or transfers ownership, your information may be part of that transition. We'd notify you before your data becomes subject to a different privacy policy.

Your Privacy Rights

Under Australian privacy law, you have several rights regarding your personal information. We've designed straightforward processes to help you exercise these rights.

Data Security Measures

We take security seriously. Our systems use multiple layers of protection to safeguard your information from unauthorized access, alteration, or destruction.

Technical Safeguards

All data transmitted to and from our platform is encrypted using industry-standard SSL/TLS protocols. Our databases are protected by firewalls and access controls that limit who can view your information. We regularly update our security systems to address emerging threats.

Organizational Measures

Our staff members receive privacy training and only access personal information when necessary for their roles. We maintain strict internal policies about data handling and regularly review our practices to ensure compliance with Australian privacy standards.

Incident Response

If a data breach occurs that's likely to result in serious harm, we'll notify affected individuals and the Office of the Australian Information Commissioner as required by law. We maintain an incident response plan to address security issues quickly and effectively.

Data Retention and Deletion

We keep your information only as long as necessary to provide our services and meet legal obligations.

Active Accounts

While you're actively using our platform, we maintain your account information and learning progress to ensure continuity in your education. This includes course history, progress tracking, and communication preferences.

Inactive Accounts

If you haven't accessed your account for three years, we'll contact you to confirm whether you want to keep it active. Without a response, we may deactivate your account and delete non-essential information while retaining financial records as required by Australian tax law.

Financial Records

Australian law requires us to maintain certain financial records for seven years. Even if you delete your account, we'll retain transaction information, invoices, and payment records for this period.

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to improve your experience and understand how people engage with our content.

Essential Cookies

Some cookies are necessary for our platform to function properly. These handle things like keeping you logged in, remembering your course progress, and ensuring secure connections. You can't disable these without affecting how the site works.

Analytics Cookies

We use analytics tools to understand which courses are most popular, how long people spend on different topics, and where learners might be struggling. This helps us improve our educational content. You can opt out of analytics tracking through your browser settings.

Managing Cookies

Most browsers let you control cookies through their settings. You can block or delete cookies, though this might limit some platform features. Check your browser's help section for specific instructions.

Children's Privacy

Our services are designed for adults seeking professional financial education. We don't knowingly collect information from anyone under 18 years old. If we discover we've inadvertently gathered data from a minor, we'll delete it promptly.

International Data Transfers

We're based in Australia and primarily serve the Australian market. However, some of our service providers operate servers in other countries. When we transfer data internationally, we ensure appropriate safeguards are in place.

Cloud Storage

Our platform uses cloud services that may store data across multiple geographic regions. These providers maintain security standards comparable to Australian requirements and comply with international data protection frameworks.

Cross-Border Protections

Any international data transfers are governed by agreements that require recipient organizations to protect your information according to Australian privacy principles. We only work with providers who demonstrate strong data protection practices.

Third-Party Links

Our educational content sometimes references external resources or research materials. These third-party websites have their own privacy policies that we don't control. We encourage you to review their practices before sharing personal information on other sites.

Changes to This Policy

We review and update this privacy policy periodically to reflect changes in our practices, technology, or legal requirements. When we make significant changes, we'll notify you through email or a prominent notice on our platform.

Minor updates might not trigger individual notifications, so we recommend checking this page occasionally. The "Last Updated" date at the top shows when we most recently revised the policy.

Complaints and Disputes

If you're concerned about how we've handled your personal information, please contact us first. We'll investigate your complaint and 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). Their website provides detailed information about the complaints process and your options for dispute resolution.