Information We Collect

Personal Information You Provide

When you register for our learning programs or contact us, we collect information that you voluntarily provide. This includes your name, email address, phone number, and residential postcode. If you enrol in paid programs, we'll also collect payment information through our secure payment processors.

Information Collected Automatically

Like most websites, we automatically collect certain technical information when you visit elunoravix.com. This includes your IP address, browser type, device information, pages viewed, and how long you spend on different sections of our site. We use cookies and similar tracking technologies to gather this data.

• Essential Cookies: Required for basic site functionality like remembering your login status
• Analytics Cookies: Help us understand how visitors interact with our content
• Preference Cookies: Remember your settings and choices for a better experience

You can control cookies through your browser settings, though some features may not work properly if you disable them.

Learning Progress Data

We track your progress through our budgeting courses, including completed lessons, quiz scores, and time spent on different modules. This helps us improve our content and provide you with personalized learning recommendations.

How We Use Your Information

We use the information we collect for specific purposes that directly support our educational mission:

• Service Delivery: To provide access to our learning materials, track your progress, and communicate about your courses
• Communication: To send course updates, respond to your inquiries, and share relevant educational content you've opted into receiving
• Improvement: To analyze how people use our platform and make it better based on real behaviour patterns
• Security: To protect against fraud, unauthorized access, and other security threats
• Legal Compliance: To meet our obligations under Australian law and respond to lawful requests from authorities

Information Sharing and Disclosure

We don't sell your personal information to anyone. Period. But we do share it with specific third parties in limited circumstances:

Service Providers

We work with trusted companies that help us run our platform. These include email service providers, payment processors, hosting companies, and analytics tools. They only access the information needed to perform their specific functions and are contractually required to protect your data.

Legal Requirements

We may disclose your information if required by Australian law, court order, or government regulation. We'll also share information if we believe it's necessary to protect our rights, your safety, or the safety of others.

Business Transfers

If elunoravix is acquired by another company or merges with one, your information may be transferred as part of that transaction. We'll notify you before this happens and explain any changes to how your data will be handled.

We don't share your learning progress data or personal details with other students or the general public without your explicit permission.

Data Storage and Security

Your information is stored on secure servers located in Australia. We use industry-standard security measures including encryption, firewalls, and access controls to protect your data from unauthorized access, alteration, or destruction.

Our security practices include:

• SSL/TLS encryption for data transmitted between your browser and our servers
• Regular security audits and vulnerability assessments
• Restricted access to personal information on a need-to-know basis
• Secure password policies and two-factor authentication for staff accounts
• Regular backups to prevent data loss

While we take reasonable precautions, no internet transmission is completely secure. You're responsible for keeping your account password confidential and notifying us immediately if you suspect unauthorized access.

Data Retention

We keep your information for as long as necessary to provide our services and meet legal requirements. Here's how long we typically retain different types of data:

When we no longer need your information, we securely delete or anonymize it so it can't be linked back to you.

Your Privacy Rights

Under Australian privacy law, you have several rights regarding your personal information. Here's what you can do and how to exercise these rights:

Access Your Information

You can request a copy of the personal information we hold about you. We'll provide this within 30 days of your request, free of charge. You can access most of your information directly through your account dashboard.

Correct Your Information

If your personal details are incorrect or outdated, you can update them through your account settings or contact us to make changes. We'll update our records promptly.

Delete Your Information

You can request deletion of your account and associated data at any time. We'll process this within 30 days, though we may need to retain some information for legal compliance (like payment records for tax purposes).

Object to Processing

You can object to certain uses of your information, particularly for marketing purposes. We'll stop processing your data for those purposes unless we have compelling legitimate grounds to continue.

Data Portability

You can request a copy of your data in a commonly used, machine-readable format. This makes it easier to transfer your information to another service if you choose.

Children's Privacy

Our services are designed for adults and we don't knowingly collect information from anyone under 18 years of age. If a parent or guardian becomes aware that their child has provided us with personal information without consent, please contact us immediately and we'll delete it.

If you're under 18 and interested in learning about budgeting, we encourage you to explore our free resources with a parent or guardian's supervision.

International Data Transfers

Your information is primarily stored and processed in Australia. Some of our service providers are located overseas, which means your data may be transferred outside Australia in limited circumstances.

When we transfer data internationally, we ensure:

• The receiving country has privacy protections comparable to Australia's, or
• We have contractual agreements in place that require the same level of protection, or
• You've provided consent for the specific transfer

Current overseas service providers we work with include email platforms (United States) and cloud hosting services (Singapore and United States). These providers comply with internationally recognized data protection standards.

Changes to This Policy

We update this privacy policy occasionally to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you by email and display a prominent notice on our website for at least 30 days.

The "Last Updated" date at the top of this page shows when we last revised the policy. We encourage you to review it periodically to stay informed about how we're protecting your information.

Continued use of our services after changes become effective means you accept the updated policy. If you don't agree with changes, you can close your account before they take effect.

Complaints and Disputes

If you believe we've mishandled your personal information or breached your privacy rights, please contact us first. We take complaints seriously and will investigate thoroughly.

Our complaint process:

• Submit your complaint in writing to info@elunoravix.com
• We'll acknowledge receipt within 2 business days
• We'll investigate and respond within 30 days
• If you're not satisfied with our response, you can escalate to the Office of the Australian Information Commissioner (OAIC)

The OAIC is Australia's independent privacy regulator. You can contact them at 1300 363 992 or visit oaic.gov.au to lodge a complaint.