1. Introduction

parionexiva operates as a personal finance education platform committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website parionexiva.com and use our financial education services.

By accessing our platform, you agree to the collection and use of information in accordance with this policy. We comply with the Australian Privacy Principles under the Privacy Act 1988 and are committed to maintaining the confidentiality and security of your personal information.

2. Information We Collect

2.1 Personal Information

We collect personal information that you voluntarily provide when registering for our courses, subscribing to newsletters, or contacting us. This includes:

• Full name and contact details (email address, phone number)
• Postal address for course materials and communications
• Educational background and professional experience related to finance
• Learning preferences and course selections
• Payment information for course enrollment (processed securely)

2.2 Technical Information

Our website automatically collects certain technical information to improve your experience:

• IP address and browser type information
• Pages visited and time spent on our platform
• Referring website and search terms used
• Device information including operating system and screen resolution
• Cookies and similar tracking technologies data

3. How We Use Your Information

Your personal information is used exclusively for educational purposes and platform improvement. We never sell personal data to third parties or use it for unrelated commercial purposes.

• Course enrollment and delivery of educational materials
• Communication regarding course schedules, updates, and educational opportunities
• Personalization of learning experiences based on your preferences
• Customer support and responding to your inquiries
• Platform security and fraud prevention measures
• Legal compliance and regulatory requirements

4. Data Retention and Storage

We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected and to comply with legal obligations.

5. Your Rights and Choices

Under Australian privacy law, you have several rights regarding your personal information. We're committed to making these rights easy to exercise.

5.1 Access and Correction

You can request access to your personal information and ask us to correct any inaccuracies. We'll respond to these requests within 30 days and provide information in a clear, understandable format.

5.2 Data Portability

You can request a copy of your personal information in a structured, machine-readable format. This includes your course progress, preferences, and profile information.

5.3 Deletion Rights

You may request deletion of your personal information, subject to our legal obligations to retain certain records. We'll explain any limitations and help you understand what can be deleted.

6. Data Security Measures

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

• Encryption: All sensitive data is encrypted both in transit and at rest using industry-standard protocols
• Access Controls: Strict employee access controls with regular security training and background checks
• Regular Audits: Quarterly security assessments and vulnerability testing by independent security firms
• Secure Infrastructure: Cloud hosting with certified security standards and regular backup procedures
• Incident Response: Comprehensive breach response plan with notification procedures

7. Third-Party Services

We work with trusted third-party service providers to deliver our educational services. These partnerships are carefully managed to ensure your privacy is protected.

7.1 Educational Technology Partners

Our learning management system is provided by certified educational technology companies that comply with Australian privacy standards. They only access information necessary to deliver course content and track your progress.

7.2 Payment Processing

Course payments are processed through secure, PCI-compliant payment processors. We don't store your complete credit card information on our servers.

7.3 Communication Services

Email communications and SMS notifications are handled by reputable service providers who maintain strict data protection standards and only use your information for delivering our messages.

8. International Data Transfers

While we primarily store data within Australia, some of our trusted service providers may process information in other countries with adequate privacy protections. Any international transfers comply with Australian privacy law requirements.

9. Cookies and Tracking

Our website uses cookies and similar technologies to improve functionality and your learning experience. You can control cookie preferences through your browser settings.

9.1 Essential Cookies

These cookies are necessary for the website to function properly, including login sessions and course progress tracking. They cannot be disabled without affecting site functionality.

9.2 Analytics Cookies

We use analytics cookies to understand how visitors use our site, which helps us improve the learning experience. This information is aggregated and anonymized.

9.3 Preference Cookies

These cookies remember your preferences and settings to personalize your experience on return visits.

10. Children's Privacy

Our financial education services are designed for adults aged 18 and over. We don't knowingly collect personal information from children under 18. If you're under 18, please don't provide personal information without parental consent.

If we discover we've collected information from a child under 18, we'll delete it promptly and take steps to prevent future occurrences.

11. Privacy Policy Updates

We review and update this Privacy Policy regularly to reflect changes in our practices, services, or legal requirements. Significant changes will be communicated through email and prominent website notices.

We encourage you to review this policy periodically. Your continued use of our services after any modifications indicates your acceptance of the updated policy.

12. Complaints and Disputes

If you have concerns about how we handle your personal information, we encourage you to contact us first. We're committed to resolving privacy concerns quickly and fairly.

If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au or by calling 1300 363 992.