Privacy Policy

Information We Collect

When you interact with our services, we collect different types of information to provide you with quality financial education resources. Here's what we gather and why it matters.

Personal Information You Provide

This includes details you give us directly when signing up for programs, contacting us, or participating in webinars:

• Full name and contact details (email address, phone number)
• Mailing address for course materials or correspondence
• Payment information when enrolling in paid programs
• Educational background and financial goals (optional, helps us tailor content)
• Communication preferences and feedback you share with us

Automatically Collected Data

Our website collects certain technical information to improve functionality and user experience:

• IP address and browser type
• Device information and operating system
• Pages visited and time spent on our site
• Referral sources and navigation patterns
• Cookies and similar tracking technologies (see our separate cookie notice)

How We Use Your Information

We use the information we collect for specific purposes that benefit your educational experience. We don't sell your personal data to third parties.

• Service Delivery: Processing registrations, providing access to learning materials, sending course updates
• Communication: Responding to inquiries, sending program announcements, sharing relevant educational resources
• Improvement: Analyzing usage patterns to enhance content quality and platform functionality
• Legal Compliance: Meeting regulatory requirements under Australian privacy laws
• Marketing: Sending information about new programs (you can opt out anytime)

Australian Privacy Principles Compliance

As an Australian-based organization, we comply with the Privacy Act 1988 and the Australian Privacy Principles (APPs). These principles guide how we handle personal information.

Under the APPs, we're required to manage your personal information transparently and securely. This means we only collect information that's necessary, use it for stated purposes, and protect it from misuse or unauthorized access.

You have specific rights under Australian law, including the right to access your information, request corrections, and make complaints about how we handle your data. We take these obligations seriously and have processes in place to respond to your requests promptly.

Data Sharing and Third Parties

We work with select service providers to deliver our educational programs. Here's who might access your information and why.

Service Providers We Use

• Payment Processors: Secure handling of enrollment fees and transactions
• Email Services: Delivery of course materials and program communications
• Learning Platforms: Hosting webinars and interactive educational content
• Analytics Tools: Understanding how users engage with our content
• Cloud Storage: Secure storage of educational materials and user data

All third-party providers are carefully selected and bound by confidentiality agreements. They can only use your data for the specific services they provide to us, not for their own purposes.

Data Security Measures

Protecting your information is a priority. We've implemented multiple layers of security to safeguard your personal data from unauthorized access, disclosure, or loss.

• Industry-standard encryption for data transmission (SSL/TLS)
• Secure server infrastructure with regular security updates
• Access controls limiting who can view personal information
• Regular security audits and vulnerability assessments
• Staff training on data protection and privacy practices
• Incident response procedures for potential security breaches

While we take extensive precautions, no online system is completely immune to security risks. We encourage you to use strong passwords and be cautious about sharing login credentials.

Data Retention and Deletion

We keep your personal information only as long as necessary for the purposes outlined in this policy or as required by law.

When we no longer need your information, we securely delete or anonymize it. You can request early deletion of your data by contacting us directly, subject to legal retention requirements.

Your Privacy Rights

You have significant control over your personal information. Australian privacy law gives you several rights regarding how we handle your data.

How to Exercise Your Rights

To make a request regarding your personal information, send an email to info@araeraiqora.org with your full name and details of your request. We'll respond within 30 days and verify your identity before processing any requests.

There's no fee for most requests. However, if your request is clearly unfounded or excessive (particularly if it's repetitive), we may charge a reasonable administrative fee or decline to act on the request.

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance functionality and understand how visitors use our site. These are small text files stored on your device.

Types of Cookies We Use

• Essential Cookies: Necessary for website operation, such as maintaining your login session
• Performance Cookies: Help us understand which pages are popular and how users navigate our site
• Functional Cookies: Remember your preferences and settings
• Analytics Cookies: Provide insights into user behavior to improve our services

You can control cookie preferences through your browser settings. Keep in mind that disabling certain cookies may affect website functionality and your user experience.

International Data Transfers

While araeraiqora primarily operates within Australia, some of our service providers may store or process data internationally. When this happens, we ensure appropriate safeguards are in place.

Any international data transfers comply with Australian privacy law requirements. We use contractual protections and select providers in jurisdictions with adequate privacy standards recognized by Australian authorities.

If you're accessing our services from outside Australia, your information may be transferred to and processed in Australia, where our primary systems are located.

Children's Privacy

Our services are designed for adults making financial decisions. We don't knowingly collect personal information from individuals under 18 without parental consent.

If you're a parent or guardian and believe your child has provided us with personal information without consent, please contact us immediately. We'll take steps to remove that information from our systems.

Changes to This Policy

We review and update this privacy policy periodically to reflect changes in our practices, technology, or legal requirements. Significant changes will be communicated through email or prominent notices on our website.

The "Last Updated" date at the top of this page shows when the most recent changes were made. We encourage you to review this policy occasionally to stay informed about how we protect your information.

Continued use of our services after policy changes indicates your acceptance of the updated terms.

Complaints and Dispute Resolution

If you have concerns about how we handle your personal information, we want to hear from you. We take complaints seriously and have a process to address them fairly.

Step 1: Contact our privacy team at info@araeraiqora.org with details of your complaint. We'll acknowledge receipt within 3 business days.

Step 2: We'll investigate your complaint and respond with our findings within 30 days. If we need more time, we'll let you know.

Step 3: If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au.