Privacy Policy

Information We Collect

We gather different types of information depending on how you interact with our platform. Some you give us directly, others we collect automatically.

Personal Information You Provide

When you register for our fundamental analysis courses or contact us, we collect:

• Full name and contact details (email address, phone number)
• Residential or business address in Australia
• Payment information processed through secure third-party providers
• Educational background and professional experience related to finance
• Course preferences and learning objectives
• Communication history with our support team

Automatically Collected Information

Our systems log technical data that helps us improve your experience:

• IP address and general location information
• Browser type, device information, and operating system
• Pages visited, time spent on each section, and navigation patterns
• Referral sources and search terms used to find us
• Course completion rates and assessment results

How We Use Your Information

Every piece of data serves a purpose. We're not in the business of collecting information just to have it. Here's what we actually do with it:

We also use aggregated, anonymized data to understand broader trends in how people learn fundamental analysis. This helps us design better courses without identifying individual students.

Data Sharing and Third Parties

We don't sell your information. Period. But we do work with partners who help us run our business.

Service Providers We Work With

• Payment processors: Secure handling of transactions. They see only what's needed to process payments.
• Email service providers: For course updates and educational content. You can opt out anytime.
• Cloud hosting services: Where your course data lives, with strong security measures in place.
• Analytics tools: To understand how our platform performs. We use privacy-focused options where possible.
• Customer support software: So we can help you quickly when issues come up.

When Law Requires Disclosure

Sometimes we're legally required to share information. This happens when Australian authorities need data for legitimate purposes like preventing fraud, investigating crimes, or enforcing regulations. We only disclose what's legally required and will notify you when possible.

Your Rights Under Australian Privacy Law

The Privacy Act gives you real control over your information. These aren't just theoretical rights – we've built processes to make them practical.

Security Measures

We take security seriously because breaches aren't just inconvenient – they break trust. Here's what we do:

• Encryption: All data transmission uses TLS encryption. Stored sensitive data is encrypted at rest.
• Access controls: Only authorized staff can access personal information, and only when necessary for their role.
• Regular audits: We review our security practices quarterly and update them as threats evolve.
• Secure development: Our platform is built following security best practices from day one.
• Incident response: We have protocols ready if something goes wrong. You'll hear from us within 72 hours of discovering any breach affecting your data.

No system is completely impenetrable. We stay vigilant and transparent. If we discover unauthorized access to your information, we'll notify you with details about what happened and what we're doing about it.

Data Retention and Deletion

We keep your information only as long as needed. Different types of data have different retention periods based on legal requirements and business needs.

Retention Periods

• Active account data: Maintained while your account exists and for 2 years after closure
• Financial records: Kept for 7 years to comply with Australian tax and business laws
• Course completion certificates: Stored for 10 years to verify credentials if you need them
• Marketing communications: Removed within 30 days of opting out
• Support correspondence: Kept for 3 years to maintain service quality and resolve disputes
• Usage analytics: Anonymized after 18 months and retained as aggregated statistics

Deletion Process

When retention periods end or you request deletion, we permanently remove data from active systems within 90 days. Backup systems may retain copies for up to 6 additional months before automatic purging. Data required for legal compliance stays until obligations expire.

Cookies and Tracking Technologies

Like most websites, we use cookies. They're small files stored on your device that help the site function and remember your preferences.

Types of Cookies We Use

• Essential cookies: Required for login, course access, and basic functionality. These aren't optional.
• Preference cookies: Remember your settings like language and display options.
• Analytics cookies: Show us how people use the site so we can make improvements.
• Security cookies: Detect suspicious activity and protect your account.

You can control cookies through your browser settings. Blocking essential cookies will affect how the platform works. Most browsers let you block third-party cookies while allowing first-party ones.

Children's Privacy

Our courses are designed for adults. We don't knowingly collect information from anyone under 18. If you're a parent and discover your child has created an account, contact us immediately and we'll delete it.

Australia's Privacy Act has specific protections for minors. We follow these strictly and verify ages during registration when someone appears young.

International Data Transfers

Your data is primarily stored on servers in Australia. Some service providers operate internationally, which means your information might be processed overseas. When this happens:

• We ensure the receiving country has adequate privacy protections or put contractual safeguards in place
• We verify that international partners comply with standards equivalent to Australian Privacy Principles
• We maintain the ability to access and control your data regardless of where it's stored
• We notify you during registration if your data will leave Australia

You have the right to know which countries receive your data. Email us for a current list of where our service providers operate.

Changes to This Policy

Privacy law evolves. Our business practices change. When we update this policy, we'll notify active users by email at least 30 days before changes take effect. Significant changes require your explicit consent.

We archive previous versions of this policy. If you want to see what our privacy practices looked like at any point, just ask.

The "Last Updated" date at the top shows when we most recently revised this document. Check back occasionally – we'll highlight what changed when we update.

Complaints and Dispute Resolution

If you're unhappy about how we've handled your information, tell us. We want to fix it.

Internal Complaint Process

• Email your concern to support@olivarexon.com with "Privacy Complaint" in the subject line
• We'll acknowledge receipt within 2 business days
• Our privacy officer investigates and responds within 30 days
• If you're not satisfied, we'll escalate to senior management

External Resolution

Still not resolved? You can lodge a complaint with the Office of the Australian Information Commissioner (OAIC). They're independent and investigate privacy breaches. Visit oaic.gov.au or call 1300 363 992.