Introduction and Overview

divanorielu Financial Education Services ("divanorielu", "we", "us", or "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website divanorielu.com or engage with our liquidity and solvency analysis educational services.

This policy complies with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). By accessing our website or using our services, you acknowledge that you have read and understood this Privacy Policy.

Information We Collect

We collect several types of information from and about users of our website and educational services:

• Personal identification information including name, email address, phone number, and postal address
• Educational background and professional experience details when you enroll in our programs
• Payment information processed through secure third-party payment processors
• Website usage data including IP address, browser type, device information, and pages visited
• Communications you send to us including emails, support requests, and feedback
• Learning progress and assessment results within our educational platform

We collect this information directly from you when you provide it voluntarily, automatically through website technologies, and from third parties such as payment processors when necessary for service provision.

How We Use Your Information

Your personal information is used for legitimate business purposes related to providing and improving our educational services:

• Delivering our liquidity and solvency analysis courses and educational content
• Processing enrollments, payments, and managing your student account
• Communicating with you about course updates, schedules, and relevant educational opportunities
• Providing technical support and responding to your inquiries
• Improving our website functionality and educational content based on usage patterns
• Conducting research and analysis to enhance our teaching methods and course offerings

Information Sharing and Disclosure

We do not sell, trade, or otherwise transfer your personal information to third parties except in the following circumstances:

• Service providers who assist us in operating our website and conducting our business, bound by confidentiality agreements
• Payment processors for secure transaction processing
• Cloud storage and hosting providers who maintain our educational platform
• Legal authorities when required by law or to protect our rights and safety
• Professional advisors including lawyers, accountants, and consultants under confidentiality obligations

All third-party service providers are carefully selected and required to maintain appropriate security measures and data protection standards. We ensure they only use your information for the specific purposes we authorize.

Your Privacy Rights

Under Australian privacy law, you have several rights regarding your personal information:

• Access your personal information we hold about you
• Request correction of inaccurate or incomplete information
• Request deletion of your personal information in certain circumstances
• Object to processing of your information for direct marketing purposes
• Withdraw consent where we rely on your consent to process information
• Lodge a complaint with the Office of the Australian Information Commissioner

Data Security and Storage

We implement comprehensive security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction:

• SSL encryption for all data transmission between your browser and our servers
• Secure cloud storage with enterprise-grade security controls
• Regular security audits and vulnerability assessments
• Access controls limiting staff access to personal information on a need-to-know basis
• Employee training on privacy and security best practices

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, or resolve disputes. Student records are typically maintained for seven years after course completion to meet educational record-keeping requirements.

Cookies and Website Technologies

Our website uses cookies and similar technologies to enhance your browsing experience and analyze website usage. These include:

• Essential cookies required for website functionality and security
• Performance cookies that help us understand how visitors interact with our website
• Functional cookies that remember your preferences and settings

You can control cookie settings through your browser preferences. However, disabling certain cookies may affect website functionality. We do not use cookies for targeted advertising or share cookie data with advertising networks.

International Data Transfers

While we primarily store and process your information within Australia, some of our service providers may be located overseas. When we transfer your personal information internationally, we ensure appropriate safeguards are in place:

• Transfers only to countries with adequate privacy protections
• Contractual arrangements requiring overseas recipients to protect your information
• Compliance with Australian Privacy Principle 8 regarding cross-border disclosure

We will notify you of any international transfers and obtain your consent where required by law.

Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will:

• Post the updated policy on our website with a new effective date
• Notify enrolled students via email about significant changes
• Provide a clear summary of key changes where appropriate

We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information. Your continued use of our services after policy changes indicates your acceptance of the updated terms.