Information We Collect

At phelorianthux, we collect information that helps us provide better financial education services to our Australian users. When you visit our website, register for courses, or contact us, we gather certain details to personalize your learning experience.

Personal Information

• Name, email address, and phone number when you sign up
• Educational background and financial goals during registration
• Payment details for course enrollment (processed securely)
• Communication preferences and course interests
• Professional background relevant to financial planning

Automatically Collected Data

• Browser type, IP address, and device information
• Pages viewed and time spent on our website
• Course progress and completion rates
• Search queries and navigation patterns
• Cookies and similar tracking technologies

How We Use Your Information

Your data helps us create a tailored educational experience that matches your financial learning goals. We process this information to deliver quality courses and maintain our platform effectively.

Data Sharing and Third Parties

We work with trusted partners to deliver our services effectively. These relationships are governed by strict data protection agreements that ensure your information remains secure.

Service Providers

We share limited information with companies that help us operate our platform, including payment processors, email service providers, and hosting services. These partners are contractually bound to protect your data and can only use it for specified purposes.

Legal Requirements

In rare circumstances, we may disclose your information if required by Australian law, court orders, or to protect our legal rights. We'll always assess such requests carefully and disclose only the minimum necessary information.

Business Transfers

Should phelorianthux be acquired or merge with another company, your data would be transferred as part of that transaction. We'd notify you beforehand and ensure the new entity maintains the same privacy standards.

Your Privacy Rights

Under Australian privacy laws, you have significant control over your personal information. We're committed to respecting these rights and making them easy to exercise.

Data Security and Protection

Protecting your information is fundamental to our operations. We employ multiple layers of security to safeguard your data against unauthorized access, alteration, or disclosure.

Technical Safeguards

• SSL encryption for all data transmission
• Regular security audits and vulnerability assessments
• Access controls limiting staff data access to job requirements
• Secure data centers with 24/7 monitoring
• Regular backups with encrypted storage

Administrative Controls

• Staff training on privacy and data protection
• Background checks for employees accessing personal data
• Incident response procedures for potential breaches
• Regular policy reviews and updates

Data Retention and Deletion

We retain your information only as long as necessary to provide services and comply with legal obligations. Different types of data have varying retention periods based on their purpose and regulatory requirements.

Retention Periods

• Account information: Retained while your account is active plus 2 years
• Course progress: Maintained for 5 years for certification purposes
• Payment records: Kept for 7 years per Australian tax requirements
• Marketing communications: Until you unsubscribe or 3 years of inactivity
• Website analytics: Anonymized after 12 months

Cookies and Tracking

Our website uses cookies to enhance your browsing experience and provide personalized content. You have control over these technologies and can adjust your preferences at any time.

Cookie Types

• Essential cookies: Required for basic website functionality
• Analytics cookies: Help us understand how visitors use our site
• Preference cookies: Remember your settings and choices
• Marketing cookies: Used to deliver relevant advertisements

You can manage cookie preferences through your browser settings or our cookie consent tool. Disabling certain cookies may affect website functionality.

Children's Privacy

phelorianthux's financial education services are designed for adults aged 18 and over. We don't knowingly collect personal information from children under 18. If we become aware that we've inadvertently collected such information, we'll delete it promptly.

Parents or guardians who believe their child has provided personal information to us should contact our privacy team immediately at the details provided below.

International Data Transfers

While phelorianthux primarily operates in Australia, some of our service providers may process data internationally. When this occurs, we ensure appropriate safeguards are in place to protect your information according to Australian privacy standards.

We only work with international partners who demonstrate adequate data protection measures and sign agreements ensuring your privacy rights are maintained regardless of processing location.

Privacy Policy Changes

We review and update this privacy policy regularly to reflect changes in our services, technology, or legal requirements. Significant changes will be communicated to you via email or prominent website notices.

Continued use of our services after policy updates indicates your acceptance of the revised terms. We encourage you to review this policy periodically to stay informed about how we protect your information.