Privacy Policy
Your privacy matters to us. This comprehensive policy explains how quorinivexa collects, uses, and protects your personal information in accordance with Australian Privacy Principles and applicable laws.
1 Information We Collect
quorinivexa collects various types of information to provide and improve our financial education services. We gather this information through multiple touchpoints during your interaction with our platform.
| Information Type | Examples | Collection Method |
|---|---|---|
| Personal Identifiers | Name, email address, phone number, postal address | Registration forms, course enrollment |
| Financial Information | Payment details, billing address, transaction history | Payment processing, subscription management |
| Usage Data | Course progress, login times, feature usage, preferences | Platform analytics, user interaction tracking |
| Technical Data | IP address, device information, browser type, operating system | Automatic collection through cookies and logs |
| Communication Records | Support tickets, feedback, survey responses | Customer service interactions, voluntary submissions |
Automatic Data Collection
Our systems automatically collect certain technical information when you visit our website or use our services. This includes cookies, server logs, and analytics data that help us understand how users interact with our platform and identify areas for improvement.
2 How We Use Your Information
We process your personal information for specific, legitimate purposes that directly relate to providing and improving our financial education services. Each use serves a clear business purpose while respecting your privacy rights.
- Delivering educational content and tracking your learning progress through our courses and programs
- Processing payments, managing subscriptions, and handling billing inquiries related to our services
- Providing customer support and responding to your questions, concerns, or technical issues
- Sending important updates about your account, courses, policy changes, and service announcements
- Analyzing platform usage patterns to improve user experience and develop new features
- Conducting research and surveys to better understand our users' needs and preferences
- Ensuring platform security, preventing fraud, and protecting against unauthorized access
- Complying with legal obligations, regulatory requirements, and law enforcement requests
- Marketing our services to existing customers based on their interests and engagement history
We base our data processing on several legal grounds under Australian privacy law, including contract performance, legitimate business interests, legal compliance, and your explicit consent where required. You can request details about the specific legal basis for any particular use of your information.
3 Information Sharing and Disclosure
quorinivexa maintains strict controls over how we share your personal information. We only disclose your data in specific circumstances and with appropriate safeguards in place to protect your privacy.
Service Providers
We share data with trusted third-party vendors who help us deliver our services, including payment processors, cloud storage providers, email delivery services, and analytics platforms. These providers are bound by strict confidentiality agreements.
Business Transfers
In the event of a merger, acquisition, or sale of assets, your information may be transferred to the new entity. We will notify you of any such change and ensure your rights are protected under the new ownership.
Legal Requirements
We may disclose your information when required by Australian law, court orders, or regulatory authorities. This includes cooperating with law enforcement investigations and complying with tax reporting obligations.
Safety and Security
We may share information to protect the safety of our users, prevent fraud, investigate security incidents, or enforce our terms of service. This includes sharing threat intelligence with security partners when necessary.
International Transfers
Some of our service providers are located outside Australia. When we transfer your data internationally, we ensure appropriate safeguards are in place, such as Standard Contractual Clauses or adequacy decisions. We provide transparency about these transfers and your rights regarding international data processing.
4 Your Privacy Rights
Under Australian privacy law, you have several important rights regarding your personal information. We've designed straightforward processes to help you exercise these rights effectively.
- Right to Access: Request a copy of all personal information we hold about you, including how we obtained it and how we use it
- Right to Correction: Ask us to correct any inaccurate, incomplete, or outdated personal information in our records
- Right to Deletion: Request deletion of your personal information when it's no longer necessary for our services or legal obligations
- Right to Restrict Processing: Limit how we process your information in certain circumstances, such as during dispute resolution
- Right to Data Portability: Receive your personal information in a structured, machine-readable format for transfer to another service
- Right to Object: Opt out of certain types of processing, particularly for marketing purposes or automated decision-making
- Right to Withdraw Consent: Revoke your consent for specific processing activities where consent is the legal basis
- Right to Lodge Complaints: Contact the Office of the Australian Information Commissioner if you're concerned about our privacy practices
To exercise any of these rights, contact our Privacy Officer using the details provided at the end of this policy. We typically respond to rights requests within 30 days and provide clear explanations of any limitations or exceptions that may apply.
5 Data Security and Protection
We implement comprehensive security measures to protect your personal information from unauthorized access, disclosure, alteration, and destruction. Our security program includes both technical and organizational safeguards.
Technical Safeguards
Industry-standard encryption for data in transit and at rest, secure authentication systems, regular security updates, automated threat monitoring, and secure coding practices throughout our development process.
Access Controls
Role-based access permissions ensuring staff only access information necessary for their job functions, multi-factor authentication for sensitive systems, and regular access reviews and user privilege audits.
Infrastructure Security
Secure cloud hosting with leading providers, regular backup procedures with encryption, network security monitoring, and physical security controls at data processing locations.
Incident Response
Comprehensive data breach response procedures, immediate containment protocols, user notification systems, and coordination with regulatory authorities as required by Australian law.
While we implement strong security measures, no system is completely immune to threats. We continuously monitor emerging risks and update our security practices accordingly. In the unlikely event of a data breach affecting your information, we will notify you promptly and provide clear guidance on protective steps you can take.
6 Data Retention and Deletion
We retain your personal information only as long as necessary to fulfill the purposes outlined in this policy, comply with our legal obligations, and resolve any disputes that may arise.
| Information Category | Retention Period | Deletion Process |
|---|---|---|
| Account Information | Duration of active account plus 7 years | Secure deletion from all systems and backups |
| Financial Records | 7 years after final transaction (tax compliance) | Archived securely, then permanently deleted |
| Course Progress Data | 3 years after course completion | Automatic purge from learning management system |
| Support Communications | 5 years after case closure | Deleted from support systems and archives |
| Marketing Data | Until consent withdrawal or 3 years of inactivity | Immediate removal from marketing databases |
| Website Analytics | 26 months from collection date | Automatic expiration in analytics platforms |
Deletion Procedures
When we delete your information, we use secure deletion methods that make data unrecoverable. This includes overwriting data on storage devices and ensuring backup copies are also properly destroyed. Some information may be retained in aggregate, anonymized form for statistical purposes where it cannot be linked back to you personally.
7 Cookies and Tracking Technologies
quorinivexa uses cookies and similar technologies to enhance your experience on our platform, analyze usage patterns, and deliver personalized content. You have control over how these technologies are used.
- Essential Cookies: Required for basic platform functionality, security, and login sessions - these cannot be disabled
- Analytics Cookies: Help us understand how users interact with our site to improve user experience and identify popular content
- Preference Cookies: Remember your settings, language choices, and customization options across sessions
- Marketing Cookies: Used to deliver relevant advertisements and measure campaign effectiveness - you can opt out of these
- Third-Party Cookies: Set by our service providers for payment processing, analytics, and other integrated services
You can control cookie settings through your browser preferences or our cookie preference center. Disabling certain cookies may limit some features of our platform. We also honor Do Not Track signals where technically feasible and provide clear information about third-party tracking technologies we use.
8 Children's Privacy
quorinivexa's financial education services are designed for adults and we do not knowingly collect personal information from children under 18 years of age without appropriate parental consent and verification procedures.
Age Verification and Parental Consent
If we discover that we have collected information from a child under 18 without proper parental consent, we will delete that information immediately. Parents or guardians can contact us to review, modify, or delete their child's information. For users under 18, we require verified parental consent before providing access to our educational content and implement additional privacy protections.
9 Changes to This Privacy Policy
We may update this privacy policy periodically to reflect changes in our practices, technology, legal requirements, or other factors. We are committed to providing clear notice of significant changes and ensuring you understand how they affect your privacy rights.
- We will notify you of material changes via email to your registered address at least 30 days before they take effect
- Significant changes will also be announced through in-platform notifications and our website homepage
- We maintain an archive of previous policy versions for your reference and comparison
- For minor updates like contact information changes, we will update the "Last Modified" date without separate notification
- Continued use of our services after policy changes indicates your acceptance of the updated terms
We encourage you to review this policy periodically and reach out with any questions about changes or how they may affect your privacy rights.
Privacy Questions and Contact Information
We're committed to transparency and addressing your privacy concerns promptly. Our dedicated Privacy Officer is available to help with questions, rights requests, or complaints about our privacy practices.
For complaints about our privacy practices, you may also contact the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au or 1300 363 992.