Privacy Policy

Information We Collect

When you use laxivorent's services, we collect different types of information depending on how you interact with us. We only gather what we need to provide you with quality financial education and budgeting tools.

Personal Information You Provide

This includes information you give us directly when you sign up for programs, contact us, or use our services:

• Your name, email address, and phone number when you register for courses or request information
• Payment details when you enrol in paid educational programs
• Financial goals and budgeting preferences you share to personalise your learning experience
• Correspondence and feedback when you communicate with our support team
• Employment and educational background if you apply for business education programs

Information Collected Automatically

Our website collects certain technical information to improve your experience and understand how people use our services:

• Browser type, device information, and operating system
• IP address and general location data (city or region level, not precise GPS coordinates)
• Pages visited, time spent on site, and navigation patterns
• Referral sources and search terms that brought you to our website

How We Use Your Information

We use the information we collect for specific purposes related to delivering and improving our financial education services. Here's what we do with your data:

We don't sell your personal information to third parties. We won't spam you with unrelated marketing. And we only share your data when it's necessary to provide our services or required by law.

Legal Basis for Processing (Australian Privacy Principles)

Under the Privacy Act 1988 and the Australian Privacy Principles (APPs), we process your personal information based on:

• Consent: You've agreed to provide information for specific purposes when you sign up for our services
• Contract: We need your information to deliver the educational services you've requested
• Legitimate interests: We process data to improve our services, prevent fraud, and maintain security
• Legal obligations: We comply with Australian financial services regulations and taxation requirements

Australian residents have specific rights under the APPs, which we outline in detail below.

Data Storage and Security

We store your information on secure servers located in Australia and use industry-standard security measures to protect your data.

While we take reasonable steps to protect your information, no internet transmission is completely secure. We encourage you to use strong passwords and protect your account credentials.

Data Retention Periods

We keep your information only as long as necessary for the purposes described in this policy. Here's our retention approach:

After these periods expire, we securely delete or anonymise your information so it can no longer identify you.

Sharing Your Information

We share your personal information only in specific circumstances and with trusted parties who help us deliver our services:

Service Providers

We work with third-party companies that perform services on our behalf, including payment processing, email delivery, hosting services, and analytics. These providers can only use your information to perform services for us and are contractually obligated to protect your data.

Business Transfers

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

Legal Requirements

We may disclose your information when required by Australian law, court order, or government regulation, or when we believe disclosure is necessary to protect our rights, your safety, or the safety of others.

We don't sell, rent, or trade your personal information to third parties for their marketing purposes. Ever.

Your Privacy Rights

Under Australian privacy law, you have several rights regarding your personal information. Here's what you can do and how to exercise these rights:

Access Your Information

You can 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 your first request each year.

Correct Your Information

If your personal information is inaccurate or incomplete, you have the right to request corrections. You can update most information directly through your account settings, or contact us for assistance.

Delete Your Information

You can request deletion of your personal information, subject to certain exceptions like legal retention requirements. When you request deletion, we'll remove your information from active systems within 30 days, though some data may remain in backup systems for a limited period.

Opt Out of Marketing

You can unsubscribe from marketing emails at any time using the link in any promotional message, or by contacting us directly. We'll process opt-out requests within 10 business days.

Data Portability

You can request a copy of your information in a structured, commonly used format that you can transfer to another service provider.

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to improve functionality and understand how visitors use our site. Cookies are small text files stored on your device.

Types of Cookies We Use:

• Essential cookies: Required for basic website functionality and security
• Preference cookies: Remember your settings and choices for a better experience
• Analytics cookies: Help us understand how visitors interact with our site
• Marketing cookies: Used to deliver relevant content and measure campaign effectiveness

You can control cookies through your browser settings. Most browsers allow you to refuse cookies or delete existing ones. Be aware that disabling certain cookies may affect website functionality.

International Data Transfers

While we primarily store data within Australia, some of our service providers operate internationally. When we transfer information overseas, we ensure appropriate safeguards are in place to protect your data according to Australian privacy standards.

We only transfer data to countries or organisations that provide adequate data protection, or where we have specific contractual protections in place.

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 we become aware that we've collected information from a child under 18 without proper consent, we'll delete that information promptly.

If you're a parent or guardian and believe your child has provided us with personal information, please contact us immediately.

Changes to This Policy

We update this privacy policy occasionally to reflect changes in our practices, technology, legal requirements, or other factors. When we make significant changes, we'll notify you by email or through a prominent notice on our website.

The date at the top of this policy shows when it was last updated. We encourage you to review this policy periodically to stay informed about how we protect your information.

Your continued use of our services after policy changes indicates your acceptance of the updated terms.

Complaints and Disputes

If you have concerns about how we handle your personal information, we want to hear from you. Start by contacting our privacy team directly.

We take complaints seriously and will investigate thoroughly. You'll receive an acknowledgement within 7 days and a full response within 30 days.

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

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