Privacy Policy

Personal Information You Provide

When you enroll in our programs or contact us, we collect information you voluntarily provide including:

• Full name, email address, and phone number
• Mailing address for course materials delivery
• Educational background and learning goals
• Payment information processed through secure third-party providers
• Communication preferences and feedback

Automatically Collected Information

Our website automatically collects certain technical information to improve your experience:

• IP address and general location information
• Browser type, device information, and operating system
• Pages visited, time spent on site, and navigation patterns
• Referral sources and search terms used to find our site

Learning Progress Data

For enrolled students, we track educational progress including lesson completion, assessment results, and participation in program activities. This helps us provide personalized support and improve our teaching methods.

We use your personal information solely to provide and improve our financial education services:

• Process enrollments and manage student accounts
• Deliver course materials and educational content
• Provide personalized learning support and feedback
• Send important updates about your programs
• Respond to your questions and support requests
• Improve our curriculum based on learning outcomes
• Ensure website security and prevent fraud

We may also use aggregated, non-identifying data to analyze trends and improve our educational offerings. This helps us understand which teaching methods work best and where students need additional support.

Limited Third-Party Sharing

We only share your personal information with trusted service providers who help us operate our business:

• Payment processors for secure transaction handling
• Email service providers for course communications
• Learning management system providers for course delivery
• Customer support platforms for assistance requests

Legal Requirements

We may disclose your information when required by Australian law, court order, or to protect our legal rights and those of our students. This includes cooperating with law enforcement investigations when legally obligated.

Business Transfers

If emarivexos is acquired or merged with another company, your information would be transferred as part of that transaction. We would notify you before your information becomes subject to different privacy practices.

What We Don't Do

We never sell your personal information to marketers, advertisers, or data brokers. We don't share your learning progress with employers or other educational institutions without your explicit consent.

Under Australian privacy laws, you have several important rights regarding your personal information:

How to Exercise Your Rights

To exercise any of these rights, email us at contact@emarivexos.com with "Privacy Request" in the subject line. Include your full name and describe the specific action you'd like us to take. We'll respond within 30 days and may need to verify your identity before processing certain requests.

Security Measures

We implement multiple layers of security to protect your information:

• SSL encryption for all data transmission
• Secure servers with regular security updates
• Access controls limiting staff access to necessary information only
• Regular security audits and vulnerability assessments
• Encrypted storage for sensitive personal and educational data

Data Breach Response

If a security incident affects your personal information, we'll notify you within 72 hours via email and provide details about what information was involved, steps we're taking to address the issue, and recommendations for protecting your accounts.

International Data Transfers

While our primary operations are in Australia, some of our service providers may store data on servers located overseas. When this occurs, we ensure these providers maintain equivalent security standards and comply with Australian privacy requirements.

Retention Periods

We keep your information only as long as necessary for legitimate business purposes:

• Student records: 7 years after course completion (regulatory requirement)
• Financial transaction records: 7 years (tax and accounting requirements)
• Marketing communications: Until you unsubscribe or request deletion
• Website analytics: 26 months maximum
• Support communications: 3 years for quality assurance

Automatic Deletion

We automatically delete certain types of information according to scheduled retention policies. You'll receive advance notice before any educational records are deleted, giving you the opportunity to request copies for your personal records.

Account Closure

When you close your account, we'll delete personal information that isn't required for regulatory compliance. Essential records like course completion certificates and transcripts are maintained per educational institution requirements but marked as inactive.

Essential Cookies

Our website uses cookies necessary for basic functionality including login sessions, course progress tracking, and security features. These cookies are essential for providing our educational services.

Analytics and Performance

We use analytics cookies to understand how students navigate our site and identify areas for improvement. This data is aggregated and doesn't identify individual users. You can disable these cookies in your browser settings without affecting core website functionality.

Marketing and Preferences

With your consent, we may use cookies to remember your preferences and provide relevant information about our programs. You can manage these preferences in your account settings or browser configuration.

Third-Party Cookies

Some pages include content from third-party providers like payment processors or customer support tools. These services may set their own cookies according to their privacy policies.

We review and update this privacy policy annually or when we make significant changes to our data practices. When updates occur, we'll:

• Post the revised policy on our website with a new effective date
• Email enrolled students about material changes
• Highlight the most important updates in plain language
• Provide 30 days notice before implementing changes that affect how we use your information

We encourage you to review this policy periodically to stay informed about how we protect your privacy. Significant changes will always be communicated directly rather than just posted on our website.