Information We Collect

When you sign up for our liquidity and solvency analysis programs, we collect different types of information depending on how you engage with us.

Personal Details You Provide

This includes what you give us directly through forms, enrolment processes, or correspondence:

• Full name and contact information (email, phone number, postal address)
• Educational background and professional experience relevant to finance
• Payment details and billing information for course fees
• Questions, feedback, or concerns you share with our support team
• Work history and career goals when you complete intake assessments

Technical Information We Gather

Our website collects standard technical data to function properly and improve your experience:

• IP address and general location data (city level, not precise coordinates)
• Browser type, device information, and operating system
• Pages you visit, time spent on different sections, and navigation patterns
• Referral sources showing how you found our site
• Login times and access patterns for registered learners

Learning Activity Data

To track your progress and provide personalized support, we monitor:

• Course completion rates and module progress
• Assessment scores and practical exercise submissions
• Participation in discussion forums or group sessions
• Resource downloads and material access frequency
• Support requests and instructor interactions

How We Use Your Information

We're pretty straightforward about why we need your data. Everything we collect serves specific purposes related to delivering quality financial education.

We don't sell your personal information to third parties. Never have, never will. That's not how we operate.

Data Sharing and Disclosure

Sometimes we need to share information with other organizations to deliver our services properly. Here's who gets access and why:

Service Providers We Work With

These companies help us run our platform but can only use your data according to our instructions:

• Payment processors handling course fees and refunds (Australian banks and payment gateways)
• Cloud hosting providers storing course materials and databases
• Email service providers managing course communications
• Analytics tools helping us understand site performance (aggregated data only)
• Customer support platforms tracking your inquiries and resolutions

Legal Requirements

We'll disclose information when required by Australian law, court orders, or regulatory authorities. This might include tax reporting, compliance audits, or law enforcement requests with proper legal authority.

Business Transitions

If daelorynvia merges with another organization or gets acquired, your information would transfer to the new entity. We'd notify you beforehand and ensure the new owner maintains similar privacy protections.

Your Privacy Rights

Under Australian privacy law, you control how we handle your personal information. These aren't just theoretical rights—we actually respond to these requests regularly.

Access and Correction

You can request a copy of all personal information we hold about you. We'll provide it within 30 days, usually sooner. If anything's incorrect or outdated, tell us and we'll fix it promptly.

Data Portability

Want to take your learning records elsewhere? We'll provide your course history, assessment results, and certificates in a structured format you can use with other systems.

Deletion Requests

You can ask us to delete your personal information, with some exceptions:

• We need to keep financial records for seven years (Australian tax law requirement)
• Certificates and qualifications remain on file to prevent fraud
• Legal disputes or investigations require data retention
• Aggregated analytics data (where you can't be identified) may persist

Marketing Opt-Out

Every marketing email includes an unsubscribe link. Click it once and you're removed from promotional communications. We'll still send course-related updates and administrative notices about programs you're enrolled in.

Objection Rights

If you think we're processing your data inappropriately or for purposes you didn't agree to, you can object. We'll review your concerns and either stop the processing or explain why we believe it's necessary and lawful.

How We Protect Your Information

Security isn't just about technology—it's about processes, training, and constant vigilance. Here's what we do to keep your data safe.

Technical Safeguards

• SSL encryption for all data transmission between your device and our servers
• Encrypted storage for sensitive information like payment details
• Regular security patches and system updates
• Firewall protection and intrusion detection systems
• Multi-factor authentication for staff accessing learner data

Organizational Measures

• Staff training on privacy obligations and data handling
• Access controls limiting who can view personal information
• Regular audits of data access and usage patterns
• Confidentiality agreements for all employees and contractors
• Incident response procedures if something goes wrong

Payment Security

We don't store complete credit card numbers on our systems. Payment processors handle that using industry-standard tokenization. You're protected by your bank's fraud prevention systems and our processors meet PCI DSS compliance standards.

Data Retention Periods

We don't keep information longer than necessary, but "necessary" varies depending on the type of data and legal requirements.

After these periods expire, we either delete data completely or anonymize it so you can't be identified. Anonymized data might be used for research or improving our programs.

Cookies and Tracking Technologies

Our website uses cookies—small text files stored on your device. Some are essential for the site to work; others help us understand how people use our platform.

Essential Cookies

These keep you logged in, remember your preferences, and ensure the site functions properly. You can't opt out of these without breaking functionality, but they don't track you across other websites.

Analytics Cookies

We use these to see which pages get visited, where people drop off, and what content resonates. The data is aggregated—we see patterns, not individual behavior. You can disable these through your browser settings.

Third-Party Cookies

If you watch embedded videos or use social sharing buttons, those services might place their own cookies. We don't control those—check their privacy policies for details.

Children's Privacy

Our courses target working professionals and university students. We don't knowingly collect information from anyone under 18 without parental consent.

If you're under 18 and interested in our programs, have a parent or guardian contact us first. If we discover we've collected data from a minor without proper consent, we'll delete it promptly.

Making Privacy Complaints

If you believe we've mishandled your personal information, here's the process:

1. Contact our privacy officer using the details below. Explain what happened and what you'd like us to do about it.
2. We'll acknowledge your complaint within five business days and investigate thoroughly.
3. You'll receive a detailed response within 30 days. If we need more time, we'll explain why and give you a realistic timeline.
4. If you're not satisfied with our response, you can escalate to the Office of the Australian Information Commissioner (OAIC).
5. The OAIC investigates privacy complaints independently and can make binding decisions.

We take complaints seriously and use them to improve our privacy practices. You won't face any negative consequences for raising concerns.

Changes to This Policy

Privacy laws evolve and our services change over time. When we update this policy, we'll post the new version here with a revised date at the top.

Significant changes get announced through email to enrolled learners. Minor clarifications or formatting updates might not trigger notifications—check back periodically if you're curious.

Continuing to use our services after policy changes means you accept the updated terms. If you disagree with major changes, contact us to discuss your options.