penuraviax - Banking Services Education | Financial Literacy Training Australia

Information We Collect

We collect information you provide directly, such as when you create an account, contact us for banking education resources, or participate in our learning programs. This helps us deliver relevant content and support your financial learning journey.

Personal Information You Provide

Name & Contact Details Learning Preferences Educational Background Communication History Feedback & Surveys

Information We Collect Automatically

Website usage patterns and page views to improve our educational content
Device information and browser type for technical compatibility
IP address and general location data for security and content personalisation
Cookies and similar technologies to enhance your browsing experience

Australian Privacy Act Compliance

penuraviax operates under Australian Privacy Principles (APPs) as outlined in the Privacy Act 1988. We collect personal information only when necessary for our banking education services and with your consent where required by law.

How We Use Your Information

Your information helps us create better educational experiences. We use it thoughtfully and never sell your personal data to third parties. Here's how we put your information to work:

Educational Services

Personalising learning materials based on your interests and experience level
Tracking your progress through our banking education modules
Recommending relevant courses and resources for your learning path
Providing certificates and documentation of completed programs

Communication & Support

Responding to your questions about banking services and financial concepts
Sending updates about new educational content and program offerings
Providing technical support and assistance with our learning platform
Sharing industry insights and educational newsletters when you've opted in

Service Improvement

Analysing usage patterns to identify areas where we can enhance our educational content
Conducting research to develop new learning resources and tools
Testing website features and functionality improvements
Understanding which educational topics are most valuable to our community

Your Privacy Rights

Under Australian privacy law, you have significant control over your personal information. We've made it straightforward to exercise these rights — just reach out to us and we'll help you through the process.

Access Your Data

Request a copy of all personal information we hold about you. We'll provide this within 30 days, usually much sooner.

Correct Information

Update or correct any inaccurate personal information. You can do this through your account settings or by contacting us directly.

Delete Your Account

Request deletion of your personal information, subject to any legal obligations we may have to retain certain records.

Opt Out of Communications

Unsubscribe from marketing emails or educational newsletters at any time through the unsubscribe link or account preferences.

Data Portability

Receive your personal information in a structured format if you want to transfer it to another service provider.

Lodge a Complaint

Contact the Office of the Australian Information Commissioner (OAIC) if you're concerned about how we handle your privacy.

Information Sharing & Disclosure

We keep your information within our organisation wherever possible. When we do share information, it's only with trusted partners who help us deliver our educational services, and only when necessary.

Service Providers We Work With

Educational technology platforms that host our learning management system
Email service providers for sending course updates and educational content
Payment processors for handling course fees and subscription payments
Cloud storage providers who help us securely store educational materials
Analytics tools that help us understand how to improve our content

Legal Requirements

We may disclose personal information when required by Australian law, court orders, or government regulations. This includes cooperating with law enforcement investigations and complying with regulatory requirements that apply to financial education providers.

We Never Sell Your Data

penuraviax does not sell, rent, or trade personal information to marketers or third parties. Your trust is fundamental to our relationship, and we protect it by keeping your information secure and using it only as described in this policy.

Data Security & Protection

Protecting your information is a responsibility we take seriously. We've implemented multiple layers of security to safeguard your personal data both in transit and at rest.

Technical Safeguards

SSL encryption for all data transmitted between your browser and our servers
Regular security audits and vulnerability assessments of our systems
Secure data centres with physical access controls and monitoring
Regular backups stored securely and tested for integrity
Network firewalls and intrusion detection systems

Access Controls

Staff access to personal information is limited to those who need it for their roles
Multi-factor authentication required for administrative access to our systems
Regular training for team members on privacy and security best practices
Confidentiality agreements with all staff and contractors who handle personal information

Incident Response

In the unlikely event of a security incident, we have procedures in place to contain the issue, assess the impact, and notify affected individuals promptly as required by Australian privacy law. We maintain detailed incident response plans and regularly test our ability to respond effectively.

Data Retention & Deletion

We keep your personal information only as long as necessary to provide our educational services and meet legal obligations. Here's how long we typically retain different types of information:

Information Type	Retention Period	Reason for Retention
Account Information	Active account + 3 years	Service provision and support
Learning Progress Data	Active account + 5 years	Certificate validation and transcript records
Communication Records	2 years after last contact	Customer service and quality assurance
Payment Information	7 years	Tax and accounting requirements
Website Usage Data	12 months	Analytics and service improvement
Marketing Preferences	Until you opt out + 1 year	Compliance with marketing laws

Secure Deletion Process

When retention periods expire or you request deletion of your information, we use secure deletion methods that make the data unrecoverable. This includes wiping data from backup systems and ensuring our service providers follow the same secure deletion practices.

Cookies & Tracking Technologies

We use cookies and similar technologies to make our website work better and understand how you interact with our educational content. You have control over most of these technologies through your browser settings.

Essential Cookies

These cookies are necessary for our website to function properly. They remember your login status, language preferences, and keep your session secure as you navigate through our educational materials. You can't opt out of these cookies without affecting website functionality.

Analytics & Performance Cookies

We use these to understand which educational topics are most popular, how long people spend learning different concepts, and where we might improve our content. This information is aggregated and doesn't identify you personally.

Managing Cookie Preferences

Adjust settings through your browser's privacy preferences
Use private or incognito browsing mode to limit cookie storage
Install browser extensions that block tracking cookies
Contact us to discuss specific privacy concerns about our tracking practices

International Data Transfers

While penuraviax operates primarily within Australia, some of our technology partners and service providers may store or process data outside Australia. When this happens, we ensure appropriate safeguards are in place to protect your privacy.

Safeguards for International Transfers

Contracts with overseas providers include privacy protection clauses equivalent to Australian standards
We work only with providers in countries with adequate privacy protections
Regular audits ensure our international partners maintain appropriate security standards
You can request information about which countries your data may be transferred to

Your Rights Remain Protected

Even when your data is processed overseas, you retain all your privacy rights under Australian law. You can still access, correct, or request deletion of your information, regardless of where it's stored.

Children's Privacy

Our banking education services are designed for adults and young people who are making decisions about their financial future. We don't knowingly collect personal information from children under 13 years of age.

Parental Consent for Minors

For users between 13 and 18 years old, we recommend parental involvement in educational decisions. Parents can contact us to discuss their child's participation in our programs and exercise privacy rights on their behalf where legally appropriate.

If We Discover Under-Age Users

If we learn that we've collected information from a child under 13 without parental consent, we'll delete that information promptly. Parents who believe their child has provided personal information to us can contact our privacy team for assistance.

Changes to This Privacy Policy

We may update this privacy policy occasionally to reflect changes in our services, technology, or legal requirements. When we make significant changes, we'll notify you through your preferred communication method and give you time to review the updates.

How We Notify You of Changes

Email notification to your registered address for material changes
Prominent notice on our website homepage and learning platform
In-app notifications if you use our mobile educational tools
At least 30 days notice before significant changes take effect

Your Options When Changes Occur

If you disagree with policy changes, you can exercise your right to delete your account and personal information. We'll always respect your choice to discontinue our services if our privacy practices no longer align with your preferences.

Privacy Policy