Privacy Policy

Information We Collect

When you use our services or visit our website, we may collect various types of information. The nature of what we collect depends on how you interact with us and which services you choose to use.

Personal Identification Information

We collect information that identifies you as an individual when you register for our learning programs, request consultations, or sign up for our newsletter. This typically includes:

• Full name and preferred contact name
• Email address and phone number
• Mailing address (postal and residential)
• Date of birth for age verification purposes
• Professional background and employment status when relevant to program eligibility

Financial Information

If you enroll in paid programs or services, we collect payment details through secure third-party processors. We don't store complete credit card numbers on our servers. Information collected includes:

• Billing name and address
• Payment method details (last four digits only)
• Transaction history and invoicing records
• Tax file number (only when legally required for reporting)

Usage and Technical Data

Our website automatically collects certain technical information when you visit. This helps us improve your experience and understand how people use our platform:

• IP address and approximate geographic location
• Browser type, version, and language settings
• Device information (operating system, screen resolution)
• Pages visited, time spent on each page, and click patterns
• Referral source (how you found our website)
• Cookies and similar tracking technologies (see our Cookie Policy for details)

Educational Progress Data

For participants in our learning programs, we track educational progress to provide personalized support and certification:

• Course enrollment and completion status
• Quiz scores and assignment submissions
• Participation in discussions and webinars
• Feedback and survey responses
• Certification achievements and continuing education credits

How We Use Your Information

We use the information we collect for specific, legitimate purposes that support our mission to provide quality financial planning education. Here's what we do with your data:

Service Delivery and Administration

• Processing your enrollment in educational programs and workshops
• Providing access to learning materials and course content
• Communicating important updates about your programs or services
• Processing payments and maintaining billing records
• Issuing certificates and tracking continuing professional development
• Responding to your inquiries and providing customer support

Personalization and Improvement

• Customizing content recommendations based on your interests and progress
• Analyzing usage patterns to improve our website and course design
• Conducting research to develop new programs that meet market needs
• Testing new features and gathering feedback from users

Marketing and Communication

With your consent, we may use your contact information to:

• Send newsletters about seasonal financial planning topics
• Inform you about new courses, programs, or special offers
• Invite you to webinars, events, or community discussions
• Share relevant industry news and educational resources

You can opt out of marketing communications at any time by clicking the unsubscribe link in our emails or contacting us directly.

Legal and Safety Purposes

• Complying with Australian tax and financial reporting requirements
• Protecting against fraud, unauthorized access, or security threats
• Enforcing our terms of service and user agreements
• Responding to legal requests from government authorities
• Resolving disputes and investigating complaints

Data Sharing and Disclosure

We don't sell your personal information to third parties. However, we do share data with trusted partners and service providers who help us deliver our services. All third parties are contractually obligated to maintain confidentiality and security.

Service Providers and Business Partners

We work with carefully selected companies that provide essential services:

• Payment processors for secure transaction handling
• Cloud hosting providers for data storage and website infrastructure
• Email service providers for communication delivery
• Learning management system vendors for course delivery
• Analytics providers to understand website usage
• Customer support platforms for helpdesk services

Legal Requirements

We may disclose your information when required by Australian law or in response to:

• Subpoenas, court orders, or legal processes
• Requests from government agencies or regulatory bodies
• Tax reporting obligations to the Australian Taxation Office
• Situations involving potential threats to safety or security

Business Transfers

If toraniveloq is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We'll notify you via email and website notice before your data becomes subject to a different privacy policy.

Data Security Measures

We take the security of your personal information seriously and implement multiple layers of protection. While no system is completely foolproof, we use industry-standard practices to safeguard your data.

Additional Security Practices

• Multi-factor authentication for administrative access
• Regular software updates and security patches
• Firewall protection and intrusion detection systems
• Secure backup procedures with encrypted storage
• Incident response plan for potential data breaches
• Third-party security certifications for key vendors

If we discover a data breach that poses a serious risk to your information, we'll notify you within 72 hours as required by Australian privacy law and provide guidance on protective steps you can take.

Your Privacy Rights

Under Australian privacy law, you have several rights regarding your personal information. We respect these rights and have procedures in place to help you exercise them.

Access and Correction

You have the right to request a copy of the personal information we hold about you. We'll provide this within 30 days of your request, free of charge for the first request in any 12-month period. You can also ask us to correct any inaccurate or outdated information.

Data Portability

You can request your data in a commonly used electronic format, which allows you to transfer it to another service provider if you choose.

Deletion and Restriction

You may request deletion of your personal information, subject to certain exceptions:

• We must retain some financial records for tax compliance (typically 7 years)
• Educational records may be kept for accreditation purposes
• Legal disputes or investigations may require data retention
• Anonymized data used for research purposes doesn't contain personal identifiers

Marketing Preferences

You control your marketing preferences at any time. Options include:

• Unsubscribing from email newsletters via the link in each message
• Adjusting notification settings in your account dashboard
• Contacting our privacy team to update all preferences at once
• Opting out of specific types of communications while staying subscribed to others

Making a Privacy Request

To exercise any of these rights, contact us using the details provided at the end of this policy. We'll need to verify your identity before processing requests, which may involve confirming your email address or answering security questions.

Data Retention

We retain your personal information only as long as necessary for the purposes outlined in this policy or as required by law. Different types of data have different retention periods.

When data reaches the end of its retention period, we securely delete or anonymize it. Anonymized data that can't be linked back to you may be retained indefinitely for research and statistical purposes.

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to improve functionality and understand how visitors use our site. You have control over how these technologies are used.

Types of Cookies We Use

• Essential Cookies: Required for basic site functionality like login sessions and security. These can't be disabled without affecting site performance.
• Performance Cookies: Help us understand how visitors interact with our site by collecting anonymous usage statistics.
• Functional Cookies: Remember your preferences (like language settings) to provide a more personalized experience.
• Marketing Cookies: Track your browsing across websites to deliver relevant advertisements. These require your consent.

Managing Cookie Preferences

You can manage cookies through your browser settings or our cookie consent tool that appears when you first visit our site. Blocking certain cookies may limit functionality or prevent access to some features.

Most browsers allow you to refuse cookies entirely or delete existing ones. Visit your browser's help section for specific instructions. Note that disabling essential cookies will prevent you from logging into your account or accessing course materials.

International Data Transfers

While toraniveloq is based in Australia and primarily serves Australian clients, some of our service providers operate internationally. This means your data may occasionally be processed or stored outside Australia.

When we transfer data overseas, we ensure adequate protection through:

• Selecting providers in countries with privacy laws comparable to Australia's
• Implementing contractual clauses that require equivalent data protection standards
• Verifying that providers have appropriate security certifications
• Conducting due diligence on data handling practices

Our primary international service providers are located in the United States and the European Union, both of which have established frameworks for protecting personal data.

Children's Privacy

Our services are designed for adults aged 18 and over. We don't knowingly collect personal information from children under 18 without parental consent.

If you're a parent or guardian and believe your child has provided us with personal information without your consent, please contact us immediately. We'll take steps to remove that information from our systems within 48 hours of verification.

Some of our educational content may be suitable for teenagers interested in financial literacy. If you're under 18 and want to participate in our programs, please have a parent or guardian contact us to discuss appropriate arrangements.

Changes to This Privacy Policy

We review and update this privacy policy annually or whenever there are material changes to our data practices. The "Last updated" date at the top of this page indicates when the most recent revision occurred.

If we make significant changes that affect how we use your personal information, we'll notify you through:

• A prominent notice on our website homepage
• An email to your registered address (for account holders)
• A notification when you next log into your account

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

Complaints and Dispute Resolution

If you have concerns about how we've handled your personal information, we want to hear from you. Most issues can be resolved quickly through direct communication with our privacy team.

Internal Complaint Process

1. Submit your complaint in writing via email or postal mail using the contact details below
2. We'll acknowledge receipt within 3 business days
3. We'll investigate your concern and provide a detailed response within 30 days
4. If the matter is complex, we may need additional time and will keep you updated on progress

External Resolution

If you're not satisfied with our response, you have the right to lodge a complaint with the Office of the Australian Information Commissioner (OAIC):

• Website: www.oaic.gov.au
• Phone: 1300 363 992
• Email: enquiries@oaic.gov.au
• Mail: GPO Box 5218, Sydney NSW 2001

The OAIC provides a free, independent complaint resolution service and can investigate potential breaches of Australian privacy law.