Privacy Policy

Information We Collect

We gather different types of information depending on how you engage with our services. Here's what we collect and why it matters:

Personal Information You Provide

When you enrol in our programs, contact us, or create an account, you might share:

• Your name, email address, and phone number for communication and course access
• Residential or business address when relevant to program delivery
• Professional background and education history to tailor learning experiences
• Payment information processed through secure third-party providers
• Course preferences and areas of interest in financial analysis

Information We Collect Automatically

Like most websites, we automatically gather certain technical data:

• Browser type, device information, and operating system
• IP address and general location data (city or region level)
• Pages visited, time spent on our site, and navigation patterns
• Referral sources that brought you to our website
• Course progress, completion rates, and assessment results

How We Use Your Information

We use collected data for specific purposes that directly benefit your learning experience and our ability to provide quality education. We don't sell your personal information to anyone.

Legal Basis for Processing (Australian Context)

Under Australian privacy law, we process your personal information based on:

1. Contractual necessity – We need certain information to provide the educational services you've enrolled in
2. Legitimate interests – Processing data helps us improve our services and run our business effectively
3. Consent – You've given clear permission for specific uses like marketing communications
4. Legal obligations – We must retain certain records to comply with tax and education regulations

Data Sharing and Third Parties

We work with selected service providers who help us deliver our programs. These relationships are carefully managed with contracts that require them to protect your information.

We don't share your information with marketing companies or data brokers. If a business acquisition or merger occurs, your data would transfer to the new entity under the same privacy protections.

Your Privacy Rights

Australian privacy law gives you specific rights over your personal information. Here's what you can do and how to exercise these rights:

To exercise any of these rights, contact our privacy team at contact@pelcivonara.com or call +61410212165. We'll respond within 30 days.

Data Security Measures

We implement multiple layers of security to protect your information from unauthorized access, loss, or misuse. While no system is completely foolproof, we take reasonable precautions:

• SSL/TLS encryption for all data transmitted between your browser and our servers
• Encrypted storage for sensitive personal and payment information
• Regular security audits and vulnerability assessments of our systems
• Access controls limiting staff members who can view personal data
• Secure authentication requirements for account access
• Regular backups stored in secure, geographically separate locations
• Incident response procedures for potential data breaches

If a data breach affects your information, we'll notify you and the Office of the Australian Information Commissioner as required by law, typically within 72 hours of becoming aware of the incident.

Data Retention Periods

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

• Active accounts: Data retained while you maintain an account with ongoing access to materials
• Course records: Maintained for seven years after completion for certification verification and regulatory compliance
• Financial records: Kept for seven years as required by Australian tax law
• Marketing communications: Removed immediately upon unsubscribe request
• Website analytics: Anonymous usage data retained for 26 months
• Support inquiries: Deleted three years after resolution unless ongoing relationship exists

After retention periods expire, we securely delete or anonymize your information so it can no longer identify you.

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to function properly and improve your experience. Here's what we use:

Essential Cookies

Required for basic website functionality like maintaining your login session and remembering course progress. These can't be disabled without breaking core features.

Analytics Cookies

Help us understand how visitors use our site so we can make improvements. These track page views, navigation patterns, and time spent on different sections. The data is aggregated and doesn't identify you personally.

Preference Cookies

Remember your settings and choices, such as language preferences or notification settings, so you don't need to re-enter them each visit.

You can control cookies through your browser settings. Keep in mind that disabling certain cookies might affect site functionality and your learning experience.

Children's Privacy

Our programs are designed for adult learners. We don't knowingly collect information from individuals under 18 without parental consent. If you're under 18 and interested in our courses, please have a parent or guardian contact us to discuss appropriate arrangements.

If we discover we've inadvertently collected information from someone under 18 without proper consent, we'll delete it promptly.

International Data Transfers

We primarily store and process data within Australia. However, some service providers operate servers in other countries, including the United States and European Union.

When data is transferred internationally, we ensure appropriate safeguards are in place through:

• Contractual clauses requiring equivalent privacy protections
• Certification schemes demonstrating adequate data protection standards
• Privacy Shield frameworks or similar mechanisms where applicable

You have the right to ask about specific countries where your data is processed and the safeguards in place.

Changes to This Policy

We review and update this privacy policy periodically to reflect changes in our practices or legal requirements. The "Last Updated" date at the top shows when we most recently revised it.

For significant changes that affect how we use your information, we'll notify you by email or through a prominent notice on our website. Continued use of our services after changes take effect means you accept the updated policy.

We maintain archived versions of previous policies. If you want to see what commitments were in place at a specific time, contact us and we'll provide the relevant version.

Making a Complaint

If you're concerned about how we've handled your personal information, please contact us first so we can try to resolve the issue. We take complaints seriously and will investigate thoroughly.

If you're not satisfied with our response, you have the right to lodge a complaint with the Office of the Australian Information Commissioner (OAIC):

• Website: www.oaic.gov.au
• Phone: 1300 363 992
• Email: enquiries@oaic.gov.au