1. Information We Collect

We collect different types of information depending on how you interact with our services. Being transparent about this matters to us, so here's what we gather and why.

Personal Information You Provide

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

• Name, email address, and phone number
• Billing address and payment details for course enrollment
• Educational background and professional experience (when relevant to program selection)
• Communication preferences and areas of interest in financial education
• Questions or feedback you submit through contact forms

Information Collected Automatically

Like most websites, ours collects some data automatically when you visit:

• Device information (browser type, operating system, screen resolution)
• IP address and general location data
• Pages viewed and time spent on different sections
• Referring website or search terms that brought you here
• Click patterns and interaction with course materials

2. How We Use Your Information

We're not in the business of selling data. Everything we collect serves a specific purpose related to providing better financial education.

We don't use your information for automated decision-making that would significantly affect you. Any assessments within courses are educational tools, not judgments about your capabilities.

3. Sharing and Disclosure

Your data stays private except in specific circumstances where sharing is necessary or legally required.

Service Providers

We work with trusted companies that help run our platform. These include payment processors, email service providers, and hosting companies. They only access data needed to perform their specific functions and are contractually bound to protect it.

Legal Requirements

Sometimes we're legally required to disclose information. This happens when:

• Australian government agencies request information under proper legal authority
• We need to comply with court orders or subpoenas
• There's a genuine threat to someone's safety that requires immediate action
• We're defending our legal rights in disputes

4. Your Rights Under Australian Law

The Australian Privacy Principles give you significant control over your personal information. Here's what you can do and how to do it.

How to Exercise Your Rights

Email us at info@dranysveliq.com with your request. Include your name and enough detail so we can locate your records. We might ask for identification to confirm it's really you making the request. There's no charge for most requests, though we may apply a reasonable fee for excessive or repetitive requests.

5. Data Security and Protection

We take security seriously because financial education involves trust. Our measures include both technical safeguards and organizational policies.

Technical Measures

• SSL encryption for all data transmitted between your device and our servers
• Secure databases with access restricted to authorized personnel only
• Regular security audits and vulnerability assessments
• Firewalls and intrusion detection systems monitoring for threats
• Encrypted backups stored in geographically separate locations

Organizational Practices

Our team members receive training on privacy obligations and data handling. Access to personal information is limited based on job requirements. We maintain incident response procedures in case of data breaches and would notify affected individuals as required by Australian law.

Despite these protections, no system is completely immune to security threats. If you notice anything suspicious related to your account, contact us immediately.

6. Data Retention and Deletion

We don't keep information longer than necessary, but "necessary" varies depending on the type of data and legal requirements.

Active Student Records

While you're enrolled in courses, we maintain complete records to provide educational services. This includes course progress, assessments, and communication history. You need this information available to continue learning effectively.

After Course Completion

Educational records remain accessible for seven years after course completion. This aligns with Australian education standards and allows former students to request transcripts or certificates. Financial transaction records follow similar retention periods as required by tax law.

Account Deletion

If you request account deletion, we'll remove or anonymize your personal information within 90 days. Some data must be retained for legal compliance, but it's isolated and not used for any other purpose. You'll receive confirmation once deletion is complete.

7. Cookies and Tracking Technologies

Our website uses cookies and similar technologies to function properly and improve your experience. Most are essential, some are optional.

Essential Cookies

These keep the site working and remember your login status. You can't fully disable them without breaking functionality, but they don't track you across other websites.

Analytics Cookies

We use analytics to understand which course materials work well and where students struggle. This helps us improve content. These cookies are anonymized and don't identify you personally.

Managing Cookie Preferences

Your browser settings let you block or delete cookies. Keep in mind this might affect site functionality. The "Help" section in most browsers explains how to manage these preferences.

8. Children's Privacy

Our services target adults interested in financial education. We don't knowingly collect information from anyone under 18. If a parent discovers their child provided personal information without permission, contact us and we'll delete it promptly.

9. International Data Transfers

Your information is primarily stored on servers located in Australia. Some service providers we use operate globally, which might involve transfers to other countries. When this happens, we ensure adequate protections are in place through contractual safeguards and compliance with Australian privacy laws regarding overseas disclosure.

10. Changes to This Policy

Privacy practices change as technology and regulations develop. We'll update this policy when needed and post the revised version with a new "last updated" date. Significant changes will be communicated through email to enrolled students. Continuing to use our services after changes take effect means you accept the updated policy.

11. Complaints and Disputes

If you're unhappy with how we've handled your personal information, please contact us first so we can try to resolve it. We take complaints seriously and will investigate thoroughly.

If you're not satisfied with our response, you have the right to complain to the Office of the Australian Information Commissioner (OAIC). They're the independent authority overseeing privacy law compliance in Australia. Visit oaic.gov.au for information about making a complaint.