1. Introduction and Overview

selvarinoz operates under Australian privacy laws and takes your personal information seriously. We're committed to protecting your privacy while delivering quality financial education services. This policy explains how we collect, use, and safeguard your personal data when you interact with our business diversification programs.

As an Australian-based education provider, we comply with the Privacy Act 1988 (Cth) and the Australian Privacy Principles. Our commitment extends beyond legal requirements – we believe transparency builds trust, especially in financial education.

2. Information We Collect

We collect several types of information to provide our services effectively:

• Personal identifiers: Your name, email address, phone number, and postal address when you enquire about our programs
• Professional information: Your business background, industry experience, and educational goals to tailor our programs
• Technical data: IP address, browser type, device information, and website interaction patterns
• Communication records: Emails, phone calls, and meeting notes related to our services
• Payment information: Billing details and transaction records for program enrollments

We don't collect sensitive information like health records or political opinions. Our focus remains on information relevant to providing financial education services.

3. How We Use Your Information

Your information serves specific purposes in delivering our educational services:

• Responding to your enquiries about business diversification programs
• Customizing educational content based on your business background
• Processing enrollment applications and managing program participation
• Sending relevant updates about new courses and industry insights
• Improving our website functionality and user experience
• Meeting legal obligations under Australian business regulations

We never sell your information to third parties or use it for unrelated commercial purposes. Every use connects directly to providing better educational services.

4. Information Sharing and Disclosure

We share your information only when necessary and appropriate:

Service providers: Technology platforms, payment processors, and administrative support services that help deliver our programs. These providers operate under strict confidentiality agreements.

Legal requirements: When required by Australian law, court orders, or regulatory authorities. We'll notify you unless legally prohibited from doing so.

Business transitions: If selvarinoz undergoes a merger or acquisition, your information may transfer to the new entity under equivalent privacy protections.

We don't share information with marketing companies, data brokers, or unrelated third parties. Your educational journey remains confidential.

5. Your Privacy Rights

• Access: Request copies of personal information we hold about you
• Correction: Update or correct inaccurate information in our records
• Deletion: Request removal of your information, subject to legal retention requirements
• Restriction: Limit how we process your information for specific purposes
• Portability: Receive your information in a structured, commonly used format
• Objection: Opt out of direct marketing communications or specific processing activities

To exercise these rights, contact our privacy officer using the details below. We'll respond within 30 days and explain any limitations that might apply.

6. Data Security Measures

We implement multiple layers of security to protect your information:

Technical safeguards: Encrypted data transmission, secure server hosting, and regular security updates protect against unauthorized access.

Administrative controls: Staff training, access limitations, and regular privacy audits ensure proper information handling.

Physical security: Secure office premises and locked filing systems protect paper-based records.

While we can't guarantee absolute security, our measures meet Australian standards for educational service providers. We continuously monitor and improve our security practices.

7. Data Retention and Deletion

We retain your information only as long as necessary:

• Active participants: Throughout your program enrollment and for two years afterward
• Enquiry records: Up to three years for potential future program offerings
• Financial records: Seven years as required by Australian taxation law
• Marketing preferences: Until you withdraw consent or request removal

When retention periods expire, we securely delete or anonymize your information. Some records may be retained longer if required by law or for legitimate business interests.

8. International Data Transfers

Your information primarily stays within Australia. However, some of our technology providers operate internationally:

Cloud services: Our website and email systems use providers with servers in secure international locations.

Payment processing: Credit card transactions may be processed through international financial networks.

When transfers occur, we ensure adequate protection through contractual safeguards and select providers with strong privacy practices. Your information receives equivalent protection regardless of location.

9. Cookies and Website Tracking

Our website uses cookies and similar technologies for functionality and improvement:

• Essential cookies: Enable basic website functions like secure login areas
• Analytics cookies: Help us understand how visitors use our website
• Preference cookies: Remember your choices for better user experience

You can control cookie settings through your browser preferences. Disabling certain cookies may affect website functionality but won't prevent access to our educational content.

10. Updates to This Policy

We review and update this privacy policy regularly to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you through:

• Email notifications to active program participants
• Website announcements for general updates
• Direct contact for changes affecting your specific rights

Continued use of our services after updates indicates your acceptance of the revised policy. We encourage you to review this page periodically to stay informed about our privacy practices.

If you're not satisfied with our response to your privacy concerns, you can contact the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au or call 1300 363 992.