fenalivorix

Information We Collect

At fenalivorix, we collect information that helps us provide better financial education services to our Australian users. We're transparent about what we gather and why we need it.

Data Type	Purpose	Retention Period
Personal Information	Account creation, program customisation	5 years after account closure
Financial Learning Data	Progress tracking, personalised recommendations	3 years from last activity
Device Information	Security, platform optimisation	2 years from collection
Communication Records	Support, compliance with Australian regulations	7 years as required by law

We collect personal details like your name, email, and phone number when you register. Your learning progress, quiz results, and course interactions help us understand what's working for you. We also gather technical information about how you use our platform – this helps us spot potential security issues and improve the user experience.

How We Use Your Information

Your data serves specific purposes that directly benefit your financial learning journey. We don't use your information for anything outside these core functions.

Creating personalised learning paths based on your financial goals and current knowledge level
Sending progress updates and reminders about upcoming lessons or important financial dates
Providing customer support when you need help with our platform or content
Improving our educational materials based on how users interact with different topics
Ensuring platform security and preventing unauthorised access to your account
Meeting Australian financial services compliance requirements under ASIC regulations

We never sell your data to third parties or use it for marketing purposes unrelated to financial education. Your learning habits and financial interests stay within our platform.

Data Storage and Security

We store your information on secure servers located within Australia, ensuring compliance with local data protection laws. Our security measures include multiple layers of protection.

Technical Safeguards: All data transmissions use TLS 1.3 encryption. Our databases employ AES-256 encryption at rest. We conduct quarterly security audits and maintain ISO 27001 certification for information security management.

Access Controls: Only authorised staff members can access user data, and they do so through secure, logged connections. We use multi-factor authentication for all administrative accounts and regularly review access permissions.

Backup and Recovery: Your data is backed up daily to geographically separate Australian data centres. We test our recovery procedures monthly to ensure we can restore your information quickly if needed.

Despite our strong security measures, no system is completely immune to threats. If we detect any potential breach affecting your data, we'll notify you within 72 hours as required by Australian privacy legislation.

Your Privacy Rights Under Australian Law

The Australian Privacy Act gives you significant control over your personal information. Here's what you can do and how to exercise these rights.

Access Your Data

Request a copy of all personal information we hold about you. We'll provide this within 30 days in a readable format.

Correct Inaccuracies

Update any incorrect or outdated information in your profile. Most details can be changed directly in your account settings.

Delete Your Information

Request deletion of your personal data, subject to legal retention requirements for financial services.

Restrict Processing

Limit how we use your data while maintaining your account access for essential educational services.

To exercise any of these rights, contact our privacy officer using the details below. We'll verify your identity and process most requests within 30 days. Some requests may take longer if they're complex or we need additional information from you.

Third-Party Services and Data Sharing

We work with carefully selected service providers to deliver our educational platform. These partnerships are governed by strict data protection agreements.

Educational Content Providers: Some course materials come from external financial education specialists. We share minimal user progress data to help them improve content quality, but never personal identifying information.

Technical Service Providers: Our platform uses Australian-based cloud hosting, email delivery services, and analytics tools. These providers can only access data necessary for their specific functions and are contractually bound to protect your privacy.

Regulatory Reporting: We may share anonymised, aggregated data with Australian financial regulators for industry research and policy development. This never includes individual user information.

We never share your data with marketing companies, data brokers, or any organisation that would use it for purposes unrelated to your financial education. If a third party requests your information, we'll notify you first unless legally prohibited from doing so.

Cookies and Tracking Technologies

We use cookies and similar technologies to improve your experience on our platform. You have control over most of these tracking methods.

Essential Cookies: These keep you logged in and remember your progress through lessons. They're necessary for the platform to function properly and can't be disabled.

Performance Cookies: These help us understand which parts of our platform work well and which need improvement. They collect anonymous usage statistics that help us make better educational tools.

Personalisation Cookies: These remember your preferences for content topics, difficulty levels, and interface settings. They make your learning experience more tailored to your needs.

You can manage cookie preferences through your browser settings or our privacy dashboard. Disabling non-essential cookies won't affect your ability to access educational content, but may make the platform less personalised.

Children's Privacy Protection

Our financial education platform is designed for adults and young adults beginning their financial journey. We take special care with users under 18 years old.

For users between 16-18 years old, we require parental consent before collecting any personal information. We provide parents with clear information about what data we collect and how it's used for educational purposes.

We don't knowingly collect data from children under 16. If we discover that we've inadvertently collected information from someone under 16, we'll delete it immediately and contact the parents if possible.

Young users have the same privacy rights as adults, plus additional protections required by Australian law for minors' personal information.

International Data Transfers

While we primarily store data in Australia, some of our educational partners operate internationally. When your data needs to cross borders, we ensure it remains protected.

Any international transfers comply with Australian privacy law requirements. We only transfer data to countries with adequate privacy protections or under specific legal safeguards like binding corporate rules or standard contractual clauses.

Most of our core services and all sensitive financial learning data stay within Australian jurisdiction. International transfers typically involve only basic technical logs or anonymised usage statistics.

Policy Updates and Changes

We review this privacy policy annually or when we make significant changes to our platform. You'll always know when something important changes.

For minor updates like clarifying existing practices, we'll update the "last modified" date and post a notice on our platform. For major changes that affect how we collect or use your data, we'll email you directly and may require you to agree to the updated terms.

You can always find the current version of our privacy policy on our website. We also maintain an archive of previous versions so you can see how our practices have evolved over time.

Privacy Policy