Privacy Policy

Overview and Commitment

At zenivaralquo, we understand that your personal information is valuable and deserves protection. This Privacy Policy explains how we collect, use, store, and safeguard your personal data when you interact with our financial education platform and services.

We are committed to complying with the Privacy Act 1988 (Commonwealth) and the Australian Privacy Principles (APPs). This policy applies to all personal information we collect about individuals in Australia and internationally.

Information We Collect

We collect various types of information to provide you with personalized financial education services and improve your learning experience:

How We Use Your Information

Your personal information helps us deliver effective financial education and maintain our platform's security. Here's how we use different types of data:

• Personalizing your learning experience based on your progress and interests
• Providing customer support and responding to your inquiries promptly
• Sending educational content, course updates, and relevant financial insights
• Improving our platform functionality and developing new educational features
• Ensuring platform security and preventing fraudulent activities
• Complying with legal obligations and regulatory requirements
• Conducting research to enhance our educational methodologies

Your Privacy Rights

Under Australian privacy law, you have several important rights regarding your personal information:

To exercise any of these rights, simply contact our Privacy Officer using the details provided at the bottom of this policy. We'll verify your identity and process your request promptly.

Data Security and Protection

We implement comprehensive security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction:

• Industry-standard encryption for data transmission and storage
• Regular security audits and vulnerability assessments
• Access controls limiting staff access to necessary information only
• Secure servers located in Australian data centers
• Regular backup systems with encrypted storage
• Staff training on privacy and security best practices

While we implement strong security measures, no internet-based system is completely secure. We recommend using strong passwords and keeping your login credentials confidential.

Data Sharing and Third Parties

We limit data sharing to essential services that support your educational experience. We may share your information with:

• Technology service providers who help maintain our platform (under strict confidentiality agreements)
• Payment processors for secure transaction handling
• Email service providers for educational communications
• Analytics services to improve platform performance (using anonymized data)
• Legal authorities when required by Australian law or court order

Cookies and Tracking

Our website uses cookies and similar technologies to enhance your browsing experience and provide personalized content. We use several types of cookies:

• Essential cookies that enable basic website functionality
• Performance cookies to analyze how you use our platform
• Preference cookies to remember your settings and choices
• Marketing cookies to deliver relevant educational content

You can control cookie settings through your browser preferences. However, disabling certain cookies may limit some platform features and functionality.

International Data Transfers

While we primarily store data within Australia, some of our service providers may process information internationally. When we transfer data overseas, we ensure:

• Adequate privacy protection equivalent to Australian standards
• Contractual obligations requiring proper data handling
• Compliance with international privacy frameworks
• Regular monitoring of overseas processing activities

Countries where your data may be processed include the United States, Canada, and European Union member states, all of which have established privacy protection frameworks.

Data Retention

We retain your personal information only as long as necessary for the purposes outlined in this policy:

• Account information: Retained while your account remains active
• Educational progress: Kept for 7 years after course completion
• Communication records: Stored for 3 years for support purposes
• Financial records: Retained for 7 years as required by Australian tax law
• Marketing data: Deleted immediately upon unsubscription

After these periods, we securely delete or anonymize your information unless longer retention is required by law.

Children's Privacy

Our services are designed for adults seeking financial education. We do not knowingly collect personal information from children under 18 years of age without parental consent.

If we discover that we have inadvertently collected information from a minor, we will promptly delete such information from our systems. Parents or guardians who believe their child has provided personal information should contact us immediately.

Policy Updates

We may update this Privacy Policy periodically to reflect changes in our practices, technology, or legal requirements. When we make significant changes, we will:

• Post the updated policy on our website with a new "Last Updated" date
• Send email notifications to registered users about important changes
• Provide a summary of key changes on our platform
• Allow reasonable time for you to review changes before they take effect

Continued use of our services after policy updates constitutes acceptance of the revised terms.