Information We Collect

When you interact with quorivaxelo, we gather different types of information depending on how you use our services. Here's what that looks like in practice:

Personal Information You Provide

This is information you give us directly when you sign up, contact us, or use our educational tools. It includes:

• Your name, email address, and phone number
• Business information if you're using our services professionally
• Payment details when you purchase courses or materials
• Educational background and learning preferences
• Questions or feedback you submit through our contact forms

Information Collected Automatically

Like most websites, we collect some data automatically when you visit. This helps us understand how people use our site and where we can improve:

• IP address and general location data
• Browser type and device information
• Pages you visit and time spent on our site
• Referral sources and navigation patterns
• Course completion rates and learning progress

Financial Learning Data

Because we focus on financial ratio education, you might share sample financial figures or business scenarios with us. We treat this information carefully and use it only to provide you with personalized learning experiences.

How We Use Your Information

We're not in the business of selling your data. Everything we collect serves a specific purpose related to improving your learning experience or running our services effectively.

Beyond that, here's what else we do:

• Process payments and manage your account securely
• Send you course updates, learning resources, and important notices
• Respond to your questions and provide customer support
• Improve our website, courses, and teaching methods
• Protect against fraud and unauthorized access
• Comply with legal obligations and resolve disputes

Marketing Communications

We might send you emails about new courses, useful resources, or updates to our services. You can opt out anytime by clicking the unsubscribe link in any email or adjusting your preferences in your account settings.

Information Sharing and Disclosure

We don't sell your personal information to third parties. Period. But we do share information in specific situations to keep our services running smoothly:

Service Providers

We work with trusted companies that help us deliver our services. These include payment processors, email platforms, hosting providers, and analytics tools. They only get the information they need to do their job, and they're contractually bound to protect your data.

Legal Requirements

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

Business Transfers

If quorivaxelo is acquired or merged with another company, your information may be transferred as part of that transaction. We'll notify you before this happens and explain any changes to how your data is handled.

Data Storage and Security

We take security seriously. Your data is stored on secure servers located in Australia, and we use industry-standard encryption to protect it during transmission and at rest.

Our security measures include:

• SSL/TLS encryption for all data transmission
• Regular security audits and vulnerability testing
• Restricted access to personal information
• Secure backup systems with encryption
• Multi-factor authentication for staff accounts
• Regular software updates and patch management

That said, no system is completely foolproof. While we do everything we can to protect your information, we can't guarantee absolute security. If you notice anything suspicious, let us know immediately.

Data Retention

We keep your personal information for as long as your account is active or as needed to provide services. After that, we retain certain information to comply with legal obligations, resolve disputes, and enforce our agreements. Here's the breakdown:

• Account information: Retained while your account is active, plus seven years after closure
• Financial records: Seven years as required by Australian tax law
• Course completion data: Indefinitely to maintain educational records
• Marketing preferences: Until you withdraw consent or close your account
• Website analytics: Aggregated data retained indefinitely, individual data for two years

Your Rights and Choices

Under Australian privacy law, you have several rights regarding your personal information. You're not just handing over your data and hoping for the best—you maintain control.

Access and Correction

You can request a copy of the personal information we hold about you. If something's incorrect or outdated, you can ask us to fix it. We'll respond within 30 days and provide the information free of charge unless the request is excessive or unreasonable.

Deletion and Restriction

You can request that we delete your personal information, subject to certain legal exceptions. For example, we need to keep financial records for tax purposes even after you close your account. You can also ask us to restrict how we use your information in specific circumstances.

Marketing Opt-Out

You can unsubscribe from marketing emails anytime using the link at the bottom of any promotional message. You'll still receive essential emails about your account, purchases, and services—we need those to keep things running smoothly.

Complaints

If you're concerned about how we've handled your personal information, contact us first. We'll investigate 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.

Cookies and Tracking Technologies

We use cookies and similar technologies to improve your experience on our site. Cookies are small text files stored on your device that help us remember your preferences and understand how you use our services.

Types of Cookies We Use

• Essential Cookies: Required for the site to function properly, like keeping you logged in
• Performance Cookies: Help us understand which pages are popular and how visitors navigate
• Functionality Cookies: Remember your preferences and settings
• Marketing Cookies: Track your activity to show relevant content and measure campaign effectiveness

You can control cookies through your browser settings. Keep in mind that disabling certain cookies might affect how well the site works for you. Most browsers let you block or delete cookies, but you'll need to do this on each device you use.

Third-Party Links and Services

Our site might link to external websites or resources that aren't controlled by quorivaxelo. We're not responsible for their privacy practices, and we recommend reading their privacy policies before sharing any information. Just because we link to something doesn't mean we endorse their data handling practices.

Some third-party tools we integrate with collect data independently. For example, if you watch a video hosted on another platform, they might track that activity according to their own privacy policy.

Children's Privacy

quorivaxelo is designed for adults interested in financial education. We don't knowingly collect information from anyone under 18. If we discover we've accidentally collected data from a minor, we'll delete it immediately. If you're a parent and believe your child has provided us with personal information, contact us right away.

Changes to This Policy

We update this privacy policy occasionally to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you by email or through a prominent notice on our website. The "Last Updated" date at the top shows when the most recent changes were made.

We encourage you to review this policy periodically. Continuing to use our services after changes are posted means you accept the updated terms.