1. Information We Collect

We collect different types of information depending on how you engage with our educational programs and resources. Here's what we gather and why it matters.

Personal Information You Provide

When you sign up for our learning programs or contact us, you might share:

• Name and contact details (email address, phone number)
• Residential or business address for program materials
• Financial education background and learning goals
• Payment information for program enrollment
• Communication preferences and feedback

Information We Collect Automatically

Our website collects technical data to improve your experience:

• Browser type, device information, and IP address
• Pages visited and time spent on our site
• Referring websites and search terms used
• Interaction patterns with educational content

2. How We Use Your Information

The data we collect serves specific purposes related to delivering quality financial education. We're deliberate about how we use what you share with us.

We occasionally send emails about new courses or resources that might interest you based on your previous engagement. You can unsubscribe anytime — we include an opt-out link in every message.

3. Data Storage and Security

Your information lives on secure servers located in Australia. We use industry-standard encryption for data transmission and storage, though no system is completely foolproof.

Our Security Measures

• SSL encryption for all data transfers between your browser and our servers
• Regular security audits and vulnerability assessments
• Restricted access to personal data — only authorized staff can view it
• Secure payment processing through PCI-compliant third-party providers
• Regular backups with encrypted storage

We keep your data for as long as you're active with our programs, plus seven years afterward to meet Australian financial record-keeping requirements. After that, we securely delete it unless there's a legal reason to keep it longer.

4. Sharing Your Information

We're careful about who gets access to your data. We don't sell personal information to third parties — that's not our business model.

Who We Share With

Sometimes we need to share limited information with:

• Service Providers: Email platforms, payment processors, and hosting services that help us run our programs. They're contractually required to protect your data.
• Educational Partners: If we collaborate with guest instructors or partner organizations for specific courses, we might share relevant participant information with explicit consent.
• Legal Requirements: We'll disclose information if required by Australian law, court order, or to protect our rights and safety.

5. Your Rights Under Australian Privacy Law

The Privacy Act 1988 gives you specific rights about 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 data we hold about you. We'll provide it within 30 days, usually in a portable format like PDF or CSV. There's no charge for reasonable requests.

Correct Inaccurate Data

If you spot errors in your information, let us know. We'll update our records promptly and notify any third parties we've shared it with if necessary.

Request Deletion

You can ask us to delete your personal information. We'll comply unless we have a legitimate reason to keep it (like legal obligations or unresolved disputes). Some data might remain in backup systems for a short period after deletion.

Withdraw Consent

If you've agreed to receive marketing emails or participate in optional data collection, you can change your mind. Your withdrawal won't affect any processing we did before you opted out.

File a Complaint

If you believe we've mishandled your information, contact us first so we can address it. If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC).

6. Cookies and Tracking

Our website uses cookies — small text files stored on your device — to remember your preferences and understand how you use our site.

Types of Cookies We Use

• Essential Cookies: Required for basic site functionality like remembering your login status
• Analytics Cookies: Help us understand which pages people visit and how they navigate our site
• Preference Cookies: Remember your settings and choices for future visits

You can disable cookies through your browser settings, though some parts of our site might not work properly if you do. Most browsers accept cookies by default, so you'll need to actively change this setting if you prefer not to receive them.

7. Children's Privacy

Our programs are designed for adults aged 18 and over. We don't knowingly collect information from children under 18. If we discover we've accidentally collected such data, we'll delete it immediately.

Parents or guardians who believe we might have information about someone under 18 should contact us right away.

8. Changes to This Policy

We update this privacy policy occasionally to reflect changes in our practices or legal requirements. 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 page shows when we last revised it. We encourage you to review this policy periodically, especially before sharing new information with us.

9. Third-Party Links

Our website occasionally links to external resources — financial tools, news articles, or educational content from other organizations. We're not responsible for the privacy practices of these third-party sites.

When you click a link that takes you away from zenoraviex.com, we recommend reviewing that site's privacy policy. Their data collection and use practices are outside our control.

10. Data Retention Periods

Different types of information have different retention schedules based on legal requirements and business needs:

• Account Information: Kept while your account is active, plus 7 years after closure
• Course Records: Maintained for 7 years to verify completion and meet educational standards
• Financial Transactions: Stored for 7 years per Australian Taxation Office requirements
• Marketing Data: Retained until you unsubscribe, then deleted within 30 days
• Website Analytics: Aggregated data kept indefinitely, individual session data for 26 months