We collect different types of information depending on how you interact with us. Some information you give us directly, and some we collect automatically through your use of our website.

Information You Provide

When you contact us, register for a program, or request information, you might share:

• Your name and contact details (email address, phone number)
• Postal address for correspondence or program materials
• Professional background and educational interests
• Questions or feedback you submit through our contact forms
• Payment information when enrolling in paid programs (processed securely through third-party payment processors)

Information Collected Automatically

When you browse our website, we collect technical data that helps us understand how people use our site:

• IP address and general location data
• Browser type, device information, and operating system
• Pages viewed and time spent on our website
• Referral source (how you found us)
• Clickstream data and navigation patterns

We use cookies and similar technologies for this purpose. You can control cookie settings through your browser preferences.

We don't collect data for the sake of it. Everything we gather serves a specific purpose related to providing and improving our educational services.

• Responding to your inquiries and providing customer support
• Processing your enrollment in learning programs and managing your participation
• Sending you relevant course materials, updates, and educational resources
• Improving our website functionality and user experience
• Analyzing trends to develop better educational content
• Sending occasional newsletters or program announcements (you can opt out anytime)
• Complying with legal obligations and preventing fraud

We won't sell your personal information to third parties. That's not how we operate, and it never will be.

We keep your information within our organization wherever possible. But sometimes we need to share limited data with trusted partners to deliver our services effectively.

Service Providers

We work with third-party companies that help us run our business. These include:

• Email service providers for sending newsletters and course communications
• Payment processors for secure transaction handling
• Website hosting and technical infrastructure providers
• Analytics tools to understand website usage patterns

These partners are contractually required to protect your data and use it only for the specific services they provide to us.

Legal Requirements

We may disclose your information if required by law, court order, or government regulation. We'll also share data when necessary to protect our rights, prevent fraud, or ensure the safety of our users and staff.

Business Transfers

If poravinten is acquired by another company or merges with another organization, your information may be transferred as part of that transaction. We'll notify you before this happens and explain how your data will be handled under new ownership.

We take reasonable steps to protect your information from unauthorized access, loss, or misuse. Here's what we do:

• Encrypted connections (SSL/TLS) for data transmission on our website
• Secure servers with regular security updates and monitoring
• Access controls limiting who within our organization can view personal data
• Regular backups to prevent data loss
• Employee training on data protection and privacy best practices

While we do our best, no system is completely foolproof. If a data breach occurs that affects your information, we'll notify you and the relevant authorities as required under Australian law.

We don't keep your information forever. Our retention periods depend on the type of data and why we collected it.

After these periods expire, we securely delete or anonymize your information. You can request earlier deletion in most cases — just contact us.

Under Australian privacy law, you have several rights regarding your personal information. We want to make it easy for you to exercise them.

Access Your Information

You can request a copy of the personal data we hold about you. We'll provide this within 30 days at no charge (unless the request is excessive or repetitive).

Correct Inaccurate Data

If your information is wrong or outdated, let us know and we'll fix it promptly. Keeping accurate records benefits both of us.

Request Deletion

You can ask us to delete your personal information, and we'll honor that request unless we have a legitimate reason to keep it (like legal obligations or active program enrollment).

Opt Out of Communications

Every marketing email includes an unsubscribe link. Click it and you're done. Or email us directly — we'll remove you from our lists within 5 business days.

Object to Processing

You can object to how we use your data in certain circumstances. We'll review your request and respond with our decision and reasoning.

Lodge a Complaint

If you're not satisfied with how we handle your privacy concerns, you have the right to complain to the Office of the Australian Information Commissioner at oaic.gov.au.

Our website uses cookies — small text files stored on your device that help us remember your preferences and understand site usage.

Types of Cookies We Use

• Essential cookies: Required for basic website functionality. You can't disable these without affecting site performance.
• Analytics cookies: Help us understand visitor behavior and improve our content. These are optional.
• Preference cookies: Remember your settings and choices for a better experience.

Most browsers allow you to control cookies through settings. Disabling cookies may limit some website features, but you can still access most of our content.

We primarily store data on servers located in Australia. However, some of our service providers operate globally, which means your information might be processed in other countries.

When this happens, we ensure these providers meet Australian privacy standards through contractual agreements. Countries with equivalent privacy laws include those in the European Union, Canada, and New Zealand.

If you're accessing our website from outside Australia, your information will be transferred to and processed in Australia according to this privacy policy.

Our services are designed for adults interested in financial education. We don't knowingly collect information from individuals under 18 years of age.

If you're under 18 and interested in our programs, please have a parent or guardian contact us on your behalf. If we discover we've collected data from someone under 18 without parental consent, we'll delete it promptly.

We review and update this privacy policy periodically to reflect changes in our practices or legal requirements. When we make significant changes, we'll post a notice on our website and update the "Last Updated" date at the top.

For major changes affecting how we use your data, we'll notify you directly via email if we have your contact information. Continuing to use our services after changes are posted means you accept the updated policy.

We recommend checking this page occasionally to stay informed about how we protect your privacy.