Privacy Policy
Last Updated: March 2025
At loravexosara, we take your privacy seriously. This policy explains how we collect, use, and protect your personal information when you interact with our financial analysis education services.
We're based in Australia and operate under Australian privacy laws, including the Privacy Act 1988 and the Australian Privacy Principles (APPs). But honestly, we'd protect your data regardless of what the law says.
What Information We Collect
We collect different types of information depending on how you interact with us. Nothing surprising here – just the basics we need to provide our education services properly.
Personal Information You Provide
When you sign up for our courses or contact us, you might share:
- Your name and email address
- Phone number if you want us to call you back
- Educational background and career goals
- Payment information when you enroll
- Any other details you choose to share in forms or messages
Technical Information We Collect Automatically
Like most websites, we gather some technical data when you visit:
- IP address and general location
- Browser type and device information
- Pages you visit and how long you stay
- Where you came from before landing on our site
- Cookies and similar tracking technologies
How We Use Your Information
We don't do anything weird with your data. Here's what we actually use it for:
Course Delivery: We need your details to give you access to course materials, send updates about your progress, and answer your questions.
Communication: We'll email you about course schedules, new content, and relevant financial education topics. You can opt out anytime.
Improvement: We analyze how people use our site to make it better. This helps us figure out which topics resonate and which explanations need work.
Legal Compliance: Sometimes we need to keep records for accounting, tax, or regulatory purposes.
We don't sell your personal information to anyone. That's not our business model, and frankly, it feels wrong.
How We Protect Your Data
Security isn't perfect – anyone who says otherwise is lying. But we take reasonable steps to protect your information:
| Security Measure | What It Means |
|---|---|
| SSL Encryption | Your data is encrypted when traveling between your browser and our servers |
| Secure Storage | We use reputable hosting providers with strong security practices |
| Access Controls | Only authorized team members can access personal information |
| Regular Updates | We keep our systems patched and monitor for vulnerabilities |
If we ever experience a data breach that affects you, we'll let you know promptly and explain what happened.
Cookies and Tracking
Yes, we use cookies. They help us remember your preferences and understand how people use our site.
Types of Cookies We Use
- Essential cookies: These keep the site working properly. You can't really opt out of these.
- Analytics cookies: Help us see which pages people visit and where they get stuck.
- Preference cookies: Remember your settings so you don't have to keep entering them.
You can disable cookies in your browser settings, though some parts of the site might not work as well. Most browsers also let you delete existing cookies whenever you want.
Sharing Your Information
We keep your data pretty close to the chest. Here's the short list of who might see it:
Service Providers
We work with a few external companies that help us run the business:
- Email service providers for sending course updates
- Payment processors for handling transactions
- Hosting companies where our website lives
- Analytics tools to understand site usage
These companies can only use your data for the specific services they provide to us. They're contractually obligated to keep it secure.
Legal Requirements
We might have to share information if required by law – think court orders, government investigations, or regulatory compliance. We'd only share what's legally necessary.
Your Rights Under Australian Law
The Australian Privacy Principles give you several rights regarding your personal information. Here's what you can do:
Access Your Data: You can ask to see what personal information we hold about you. We'll provide it within a reasonable timeframe, usually 30 days.
Correct Inaccurate Information: If something's wrong, let us know and we'll fix it.
Request Deletion: You can ask us to delete your data, though we might need to keep some records for legal or legitimate business reasons.
Opt Out of Marketing: Don't want our emails? Click unsubscribe or let us know directly.
Lodge a Complaint: If you think we've mishandled your information, you can complain to us or to the Office of the Australian Information Commissioner.
To exercise any of these rights, just contact us using the details at the bottom of this page. We'll respond as quickly as we can.
Data Retention
We don't keep your information forever. Here's roughly how long we hold onto different types of data:
- Course enrollment records: 7 years after course completion (tax and accounting requirements)
- Marketing communications: Until you unsubscribe, then we just keep a record that you opted out
- Website analytics: Typically 26 months, then it gets aggregated and anonymized
- Support inquiries: 3 years for quality assurance purposes
After these periods, we either delete the data or anonymize it so it can't be linked back to you.
International Data Transfers
We're based in Australia, but some of our service providers operate overseas. This means your data might be processed in other countries, particularly the United States where many cloud services are based.
When we transfer data internationally, we make sure the receiving party has adequate protections in place. This might include contractual safeguards or choosing providers that comply with recognized privacy frameworks.
The Australian Privacy Principles require us to take reasonable steps to ensure overseas recipients handle your information appropriately. We take that obligation seriously.
Children's Privacy
Our courses are designed for adults. We don't knowingly collect information from anyone under 18 without parental consent.
If you're under 18 and interested in our programs, please have a parent or guardian contact us first. If we discover we've inadvertently collected data from a minor without appropriate consent, we'll delete it promptly.
Changes to This Policy
We might update this privacy policy occasionally. When we do, we'll change the "Last Updated" date at the top and notify you if the changes are significant.
If you keep using our services after we update the policy, we'll take that as acceptance of the changes. But we'll always try to give you reasonable notice before implementing anything major.
Questions or Concerns?
If you have questions about this privacy policy or how we handle your information, we're here to help. Reach out and we'll get back to you within a few business days.
You can also lodge a complaint with the Office of the Australian Information Commissioner (OAIC) if you believe we've breached the Australian Privacy Principles. Visit their website at oaic.gov.au for more information.