Privacy Policy
Last Updated: March 2025
At nalpevarixo, we respect your privacy and take protecting your personal information seriously. This policy outlines how we collect, use, store, and safeguard data from visitors and users of our financial education platform.
We operate under Australian privacy laws, including the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). Our commitment extends beyond legal compliance—we believe transparency builds trust.
Information We Collect
We collect different types of information depending on how you interact with our platform. Here's what we gather and why:
Personal Information You Provide
When you sign up for courses, contact us, or engage with our educational content, you might share:
- Name and email address for account creation and communication
- Phone number if you choose to provide it for course updates
- Payment details processed securely through third-party payment processors
- Educational background and learning goals to personalize your experience
- Correspondence when you contact our support team
Information Collected Automatically
Like most websites, we automatically collect certain technical information when you visit:
- IP address and approximate geographic location
- Browser type, device information, and operating system
- Pages visited, time spent on pages, and navigation patterns
- Referring website or search terms that brought you to us
- Course progress and completion data for enrolled students
How We Use Your Information
We don't collect data just for the sake of it. Everything we gather serves specific purposes that benefit your learning experience.
| Purpose | How We Use It |
|---|---|
| Course Delivery | Managing your enrollment, tracking progress, issuing certificates, and providing access to educational materials |
| Communication | Sending course updates, responding to inquiries, sharing relevant educational content, and notifying you of schedule changes |
| Platform Improvement | Analyzing how students interact with content to improve course quality and user experience |
| Security | Protecting against fraud, unauthorized access, and ensuring platform integrity |
| Legal Compliance | Meeting our obligations under Australian education and privacy regulations |
We will never sell your personal information to third parties. Your data is not a commodity to us—it's a responsibility we take seriously.
Data Sharing and Third Parties
We work with carefully selected service providers who help us deliver our educational platform. These partners only access data necessary for their specific functions.
Service Providers We Work With
- Payment Processors: Handle transactions securely—we don't store your complete payment card details
- Email Services: Deliver course communications and educational updates
- Hosting Providers: Store and serve our platform content securely
- Analytics Tools: Help us understand how students use our platform to improve the experience
All third-party providers are contractually bound to protect your data and can only use it for the purposes we specify. We conduct due diligence before partnering with any service provider.
When We Must Disclose Information
There are limited circumstances where we're legally required to share information:
- Court orders or legal processes that compel disclosure
- Situations involving suspected fraud or illegal activity
- Emergency circumstances where someone's safety is at risk
- Regulatory inquiries from Australian education or privacy authorities
Your Rights Under Australian Law
The Australian Privacy Principles give you significant control over your personal information. Here's what you can do:
- Access Your Data: Request a copy of all personal information we hold about you. We'll provide this within 30 days at no charge for reasonable requests.
- Correct Inaccurate Information: If details we hold are wrong or outdated, ask us to update them. We'll make corrections promptly and notify any third parties if necessary.
- Request Deletion: Ask us to delete your personal information, subject to certain legal limitations. We'll comply unless we have a legitimate reason to retain specific data.
- Withdraw Consent: If you've agreed to certain data uses, you can withdraw that consent at any time. This won't affect processing that occurred before withdrawal.
- Opt Out of Marketing: Unsubscribe from promotional emails while continuing to receive essential course-related communications.
- Lodge a Complaint: Contact us first if you have concerns. If unsatisfied with our response, you can escalate to the Office of the Australian Information Commissioner.
To exercise any of these rights, contact us at help@nalpevarixo.com. We'll verify your identity and respond within the timeframes required by Australian law.
Data Security Measures
Protecting your information isn't just about following rules—it's about maintaining the trust you place in us when you share personal details.
Technical Safeguards
- Industry-standard encryption for data transmission and storage
- Regular security audits and vulnerability assessments
- Secure authentication protocols for accessing your account
- Firewalls and intrusion detection systems protecting our infrastructure
- Regular backups stored in secure, geographically distributed locations
Organizational Measures
Technology alone isn't enough. We've implemented strict internal policies:
- Staff access to personal data is limited to those who genuinely need it
- Confidentiality agreements bind all team members and contractors
- Regular privacy training ensures everyone understands their responsibilities
- Incident response procedures ready if a breach occurs
No system is completely invulnerable. If we experience a data breach that likely causes serious harm, we'll notify affected individuals and the Australian Information Commissioner as required by law.
Data Retention Periods
We don't keep your information forever. Different types of data have different retention requirements based on legal obligations and legitimate business needs.
| Data Type | Retention Period |
|---|---|
| Account Information | Duration of your relationship with us, plus 7 years for financial records as required by Australian tax law |
| Course Completion Records | Maintained indefinitely to verify credentials and issue replacement certificates if needed |
| Payment Transaction Data | 7 years to comply with Australian taxation and business record requirements |
| Marketing Communications | Until you unsubscribe, then removed from active lists within 10 business days |
| Website Analytics | Aggregated data retained for 26 months; individual browsing data deleted after 14 months |
| Support Correspondence | 3 years from last interaction for quality assurance and dispute resolution |
When retention periods expire, we securely delete or anonymize your information so it can no longer identify you.
International Data Transfers
Your information is primarily stored on servers located in Australia. However, some service providers we work with may process data in other countries.
When data leaves Australia, we ensure adequate protection through:
- Contracts requiring overseas recipients to maintain Australian privacy standards
- Selecting providers in countries with substantially similar privacy laws
- Implementing additional security measures for international transfers
- Regular compliance audits of international service providers
Countries where your data might be processed include the United States and members of the European Economic Area. We only work with providers who demonstrate strong privacy practices.
Cookies and Tracking Technologies
Our website uses cookies—small text files stored on your device—to improve your experience and understand how our platform is used.
Types of Cookies We Use
- Essential Cookies: Necessary for the website to function, including login authentication and security features
- Functional Cookies: Remember your preferences like language settings and course progress
- Analytics Cookies: Help us understand visitor behavior to improve the platform
- Performance Cookies: Monitor website speed and technical issues
You can control cookies through your browser settings. Blocking certain cookies might affect your ability to use some platform features. Most browsers accept cookies automatically, but you can modify settings to decline them.
Children's Privacy
Our platform is designed for adults and young adults pursuing financial education. We don't knowingly collect information from children under 13 years of age.
Students aged 13-17 should have parental or guardian consent before providing personal information. If we discover we've inadvertently collected data from a child under 13, we'll delete it promptly.
Parents or guardians who believe their child has provided us with personal information can contact us to request deletion.
Changes to This Policy
Privacy regulations and our business practices evolve. We may update this policy periodically to reflect changes in how we handle information or comply with new legal requirements.
When we make significant changes, we'll notify you through:
- A prominent notice on our website for at least 30 days
- Email notification to registered users
- Updating the "Last Updated" date at the top of this policy
We encourage you to review this policy occasionally. Continued use of our platform after changes indicates acceptance of the updated terms.
Questions About Your Privacy?
We're here to address any concerns or questions about how we handle your personal information.
Email us at help@nalpevarixo.com
Call us at +61 420 982 964
Write to us at 41-69 Third Ave, Marsden QLD 4132, Australia
We typically respond to privacy inquiries within 5 business days.