We collect information that you provide directly to us, including:

• Personal details such as name, email address, and phone number when you register for our programs
• Educational background and financial experience when you complete assessments
• Communication preferences and feedback you provide to us
• Payment information when you enroll in paid learning programs
• Usage data and learning progress within our educational platform

We also collect information from third-party sources when you choose to connect your social media accounts or when educational partners share relevant academic information with your consent.

Your personal information helps us provide and improve our financial education services:

• Delivering personalized learning experiences and educational content recommendations
• Processing course enrollments and managing your learning progress
• Communicating important updates about your programs and new learning opportunities
• Providing customer support and responding to your inquiries
• Conducting research to enhance our educational offerings and platform functionality
• Ensuring platform security and preventing fraudulent activities

We may also use aggregated, non-identifiable data to analyze learning patterns and improve our curriculum design. This research helps us create better educational experiences for all students while maintaining your individual privacy.

ivarilonthesa does not sell, rent, or trade your personal information to third parties. We may share your information only in these specific circumstances:

• With educational partners when you explicitly consent to joint program participation
• With service providers who assist us in delivering our educational services (such as payment processors or learning management systems)
• When required by Australian law or to comply with legal processes
• To protect the rights, property, or safety of ivarilonthesa, our students, or others
• In connection with a business transaction, such as a merger or acquisition, with advance notice to affected users

All third-party service providers are contractually obligated to maintain the confidentiality and security of your information and may only use it for the specific purposes we authorize.

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

• Access: You can request copies of the personal information we hold about you
• Correction: You can ask us to correct any inaccurate or incomplete information
• Deletion: You can request deletion of your personal data, subject to certain legal and operational requirements
• Restriction: You can ask us to limit how we use your information in certain circumstances
• Portability: You can request your data in a portable format when technically feasible

To exercise any of these rights, contact us using the details provided at the end of this policy. We'll respond to your request within 30 days and may need to verify your identity before processing certain requests.

We implement comprehensive security measures to protect your personal information:

• Encryption of sensitive data both in transit and at rest
• Regular security assessments and vulnerability testing
• Strict access controls limiting who can view your information
• Employee training on data protection and privacy best practices
• Secure backup systems and disaster recovery procedures
• Regular monitoring for unauthorized access or data breaches

While we maintain robust security measures, no system is completely immune to security risks. We continuously update our security practices to address emerging threats and maintain the highest standards of data protection.

We retain your personal information only as long as necessary to fulfill the purposes outlined in this policy:

• Active student records are maintained while you're enrolled in our programs and for two years afterward
• Financial transaction data is kept for seven years to comply with Australian taxation and business record requirements
• Marketing preferences and communication history are retained until you withdraw consent
• Technical logs and security data are typically stored for one year unless required longer for security investigations

After these retention periods, we securely delete or anonymize your information. Some data may be retained longer if required by law or for legitimate business purposes, such as resolving disputes or maintaining academic records.

Our website uses cookies and similar technologies to enhance your experience and analyze platform usage:

• Essential Cookies: Required for basic website functionality and security
• Performance Cookies: Help us understand how you use our site to make improvements
• Functional Cookies: Remember your preferences and personalize your experience
• Analytics Cookies: Provide insights into learning patterns and content effectiveness

You can manage cookie preferences through your browser settings, though disabling certain cookies may affect website functionality. Our cookie notice provides detailed information about each type of cookie we use and how to control them.

ivarilonthesa's financial education programs are designed for adults aged 18 and over. We do not knowingly collect personal information from children under 18 years of age.

If we discover that we have inadvertently collected information from someone under 18, we will delete that information promptly. Parents or guardians who believe their child has provided us with personal information should contact us immediately.

We may update this privacy policy periodically to reflect changes in our practices, technology, or legal requirements. When we make significant changes, we'll notify you through:

• Email notification to your registered address
• Prominent notice on our website homepage
• In-app notification when you next log into your account
• Updated effective date at the bottom of this policy

We encourage you to review this policy regularly to stay informed about how we protect your information. Continued use of our services after policy updates indicates your acceptance of the changes.