1 Information We Collect

When you interact with xenloraviaqu's financial education services, we collect information that helps us provide you with personalised learning experiences. This includes personal details you provide when enrolling in our programmes, such as your name, email address, phone number, and educational background.

We also gather technical information automatically through your use of our platform. This includes your IP address, browser type, device information, and how you navigate through our educational content. Additionally, we collect information about your learning progress, quiz results, and participation in our entrepreneurial mindset development programmes.

• Personal identification information (name, email, phone number)
• Educational and professional background details
• Learning progress and assessment results
• Technical data from your device and browsing behaviour
• Communication preferences and feedback
• Payment information for our educational services

2 How We Use Your Information

Your information helps us deliver quality financial education and support your entrepreneurial journey. We use your data to personalise your learning experience, track your progress through our programmes, and provide relevant resources that match your interests and skill level.

We also use your information to communicate with you about upcoming courses, send educational content that might interest you, and provide customer support when you need assistance. For Australian residents, we comply with the Privacy Act 1988 and the Australian Privacy Principles in all our data handling practices.

3 Data Sharing and Disclosure

We don't sell your personal information to third parties. However, we do work with trusted service providers who help us deliver our educational services. These partners include our learning management system providers, email communication platforms, and payment processors.

All third-party providers are carefully vetted and bound by strict confidentiality agreements. They can only use your information for the specific services they provide to us and must maintain the same level of data protection that we do. We may also share anonymised, aggregated data for research and educational improvement purposes.

In certain circumstances, we may need to disclose your information to comply with legal obligations, protect our rights, or ensure the safety of our users and staff. This would only occur when legally required or when we believe it's necessary to prevent harm.

4 Your Rights and Choices

Under Australian privacy law, you have several important rights regarding your personal information. You can request access to the personal information we hold about you, ask us to correct any inaccurate details, or request that we delete your information in certain circumstances.

You can also object to how we process your data or request that we restrict certain uses of your information. If you'd like to withdraw consent for marketing communications, you can unsubscribe at any time using the links in our emails or by contacting us directly.

5 Data Security and Retention

We take data security seriously and use industry-standard measures to protect your information. This includes encryption of sensitive data, secure server hosting in Australia, regular security audits, and strict access controls for our staff members.

We retain your personal information only as long as necessary to provide our services and meet legal requirements. Generally, we keep student records for seven years after course completion to support ongoing career development and provide references. Marketing data is retained until you opt out or for three years of inactivity.

When we no longer need your information, we securely delete or destroy it according to Australian data protection standards. If you close your account, we'll delete most of your personal data within 30 days, though some information may be retained longer for legal compliance.

6 International Data Transfers

While we primarily store data in Australia, some of our service providers may process information overseas. When this happens, we ensure these providers maintain equivalent privacy protections through contractual arrangements and by choosing partners in countries with adequate privacy frameworks.

Any international transfers comply with Australian privacy law requirements, and we maintain oversight of how your data is handled regardless of location. You can request specific details about where your data is processed by contacting our privacy team.

7 Cookies and Website Analytics

Our website uses cookies and similar technologies to enhance your browsing experience and understand how our site is used. Essential cookies are necessary for basic website functionality, while analytics cookies help us improve our services by showing us which content is most helpful.

You can control cookie preferences through your browser settings, though disabling certain cookies may affect website functionality. We use Google Analytics with anonymised IP addresses to understand general usage patterns and improve our educational content.

8 Changes to This Policy

We may update this privacy policy periodically to reflect changes in our services or legal requirements. When we make significant changes, we'll notify you via email or through our website before the changes take effect.

We encourage you to review this policy regularly to stay informed about how we protect your privacy. Continued use of our services after policy updates indicates your acceptance of the revised terms.