What Information We Collect

Running an education business means we need certain information to provide our services properly. Here's what we typically gather:

Personal Information You Provide

When you sign up for our courses or reach out to us, we collect:

• Your name and contact details (email address, phone number, postal address)
• Educational background and professional experience relevant to our courses
• Payment information when you enroll in paid programs
• Course preferences and areas of interest in financial education
• Questions or feedback you share through our contact forms

Information Collected Automatically

Our website collects some technical data to improve your experience:

• IP address and browser type
• Pages you visit and how long you stay
• Device information and operating system
• Referral sources (how you found our site)

Course Activity Information

For enrolled students, we track:

• Course progress and completion status
• Quiz and assessment results
• Participation in discussions or forums
• Assignment submissions and feedback

How We Use Your Information

We're pretty straightforward about why we need your data. Here's what we do with it:

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

Data Storage and Security

Keeping your information safe is something we take seriously. Our data is stored on secure servers in Australia, which means it's subject to strong local privacy protections.

Security Measures

• Encrypted data transmission using industry-standard SSL technology
• Regular security audits and system updates
• Access controls limiting who can view your information internally
• Secure backup systems to prevent data loss
• Staff training on privacy and data protection practices

How Long We Keep Your Data

We retain different types of information for varying periods:

• Course enrollment and completion records: 7 years (for certification verification purposes)
• Financial records: 7 years (as required by Australian tax law)
• Marketing communications: Until you unsubscribe or request deletion
• Website analytics: 26 months
• Support inquiries: 3 years after resolution

Sharing Your Information

We only share your data when necessary to run our business or when required by law. Here's who might have access:

Service Providers

We work with trusted third parties who help us deliver our services:

• Payment processors for handling course fees securely
• Email service providers for sending course materials and updates
• Cloud hosting services for storing course content
• Analytics tools to understand how students use our platform

These providers only get the information they need to do their job, and they're contractually required to keep it confidential.

Legal Requirements

Sometimes we have to share information because the law says so. This might happen if:

• We receive a valid court order or subpoena
• Australian tax authorities request financial records
• We need to protect our legal rights or prevent fraud
• There's an emergency involving someone's safety

Business Changes

If osmarquilo is acquired or merges with another organization, your information would transfer to the new entity. We'd notify you before this happens and explain any changes to how your data is handled.

Your Rights Under Australian Law

The Australian Privacy Principles give you several rights regarding your personal information. Here's what you can do:

Correction Rights

If any information we have is wrong or outdated, you can ask us to fix it. We'll make the correction within a reasonable timeframe and notify any third parties we've shared the information with if necessary.

Deletion Requests

You can ask us to delete your personal information, though there are some exceptions:

• We need to keep financial records for tax purposes (7 years)
• Course completion certificates require maintaining enrollment records
• Legal disputes or investigations requiring data retention
• Other legitimate business purposes or legal obligations

Marketing Communications

You can opt out of promotional emails anytime by clicking the unsubscribe link in our messages or contacting us directly. We'll still send you essential course-related communications if you're enrolled in our programs.

Making a Complaint

If you're unhappy with how we've handled your information, here's what to do:

• Contact us first using the details below—we'll do our best to resolve the issue
• If you're not satisfied with our response, you can complain to the Office of the Australian Information Commissioner (OAIC):
  • Online: www.oaic.gov.au
  • Phone: 1300 363 992
  • Mail: GPO Box 5218, Sydney NSW 2001

Cookies and Tracking

Like most websites, we use cookies to make your experience better. These are small files stored on your device that remember your preferences and help us understand how people use our site.

Types of Cookies We Use

• Essential Cookies: These keep the site working properly. You can't turn these off without affecting basic functionality.
• Performance Cookies: Help us understand which pages are popular and where we can improve.
• Functional Cookies: Remember your preferences like language settings or login status.

You can control cookies through your browser settings. Most browsers let you block or delete cookies, though this might affect how our site works for you.

International Data Transfers

We primarily store data in Australia. However, some of our service providers operate internationally, which means your information might be processed in other countries.

When this happens, we make sure these providers offer adequate protection for your data, either through:

• Compliance with Australian privacy standards
• Contractual agreements requiring appropriate data protection
• Operations in countries with privacy laws similar to Australia's

Children's Privacy

Our courses are designed for adults. We don't knowingly collect information from anyone under 18 years old. If you're a parent and think your child has provided us with personal information, please contact us and we'll delete it promptly.

Changes to This Policy

We review and update this privacy policy periodically to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you by email if you're enrolled in our courses or post a notice on our website.

The current version is always available on our website with the effective date clearly shown. We recommend checking back occasionally to stay informed about how we protect your information.