monteliruvae - Personal Finance Education & Money Management Skills

1. Introduction

monteliruvae ("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 monteliruvae.sbs and use our personal finance education services.

This policy applies to all users of our platform and complies with the Australian Privacy Principles under the Privacy Act 1988 (Cth) and other applicable Australian privacy laws. By accessing or using our services, you agree to the collection and use of information in accordance with this policy.

2. Information We Collect

Personal Information

We collect various types of personal information to provide and improve our services:

Information Type	Examples	Collection Method
Contact Details	Name, email address, phone number, postal address	Registration forms, contact forms
Account Information	Username, password, profile preferences	Account creation, profile updates
Educational Data	Course progress, quiz results, learning preferences	Platform interactions, assessments
Financial Information	Payment details, billing address	Course enrollment, payment processing
Technical Data	IP address, browser type, device information	Automatic collection through cookies

Automatically Collected Information

When you visit our website, we automatically collect certain technical information through cookies, web beacons, and similar technologies. This includes your IP address, browser type, operating system, referring URLs, pages viewed, and timestamps of visits.

3. How We Use Your Information

We use your personal information for the following purposes:

Service Delivery: To provide access to our educational courses, track your progress, and deliver personalized learning experiences
Communication: To send course updates, educational content, newsletters, and respond to your inquiries
Account Management: To create and manage your user account, process payments, and maintain subscription services
Platform Improvement: To analyze usage patterns, conduct research, and enhance our educational offerings
Legal Compliance: To comply with applicable laws, regulations, and respond to lawful requests from authorities
Security: To protect against fraud, unauthorized access, and maintain the security of our platform
Marketing: To send promotional materials about new courses and services (with your consent where required)

Direct Marketing: We may use your contact information to send you marketing communications about our services. You can opt-out of marketing communications at any time by following the unsubscribe instructions in our emails or contacting us directly.

4. Information Sharing and Disclosure

Third-Party Service Providers

We may share your information with trusted third-party service providers who assist us in operating our platform and delivering services. These include:

Payment processors for handling transactions securely
Cloud hosting providers for data storage and platform operation
Email service providers for communication delivery
Analytics providers for understanding user behavior and platform performance
Customer support platforms for managing inquiries and assistance

Legal Requirements

We may disclose your personal information if required by law, court order, or government regulation, or to protect our rights, property, or safety, or that of our users or the public.

Business Transfers

In the event of a merger, acquisition, or sale of business assets, your personal information may be transferred as part of the transaction, subject to the same privacy protections outlined in this policy.

5. Your Privacy Rights

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

Access Rights

You can request access to the personal information we hold about you, including details about how it's being used and who it's shared with.

Correction Rights

You can request correction of any inaccurate, incomplete, or outdated personal information we hold about you.

Deletion Rights

You can request deletion of your personal information in certain circumstances, subject to our legal and business obligations.

Portability Rights

You can request a copy of your personal information in a structured, commonly used format for transfer to another service provider.

Restriction Rights

You can request that we limit the processing of your personal information in certain circumstances.

Objection Rights

You can object to certain types of processing of your personal information, including direct marketing communications.

How to Exercise Your Rights

To exercise any of these rights, please contact us using the details provided in the Contact Information section. We will respond to your request within 30 days and may require verification of your identity before processing your request.

6. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. Our security measures include:

SSL/TLS encryption for data transmission
Secure cloud storage with encryption at rest
Regular security audits and vulnerability assessments
Access controls and authentication systems
Staff training on privacy and security practices
Incident response procedures for potential data breaches

While we strive to protect your personal information, no method of transmission over the internet or electronic storage is completely secure. We cannot guarantee absolute security but will notify you of any data breaches that may affect your personal information as required by law.

7. Data Retention

We retain your personal information for different periods depending on the type of data and purpose:

1

Account Information

Retained while your account is active and for 7 years after account closure for legal compliance purposes.

2

Educational Records

Course progress and completion data retained for 10 years to maintain certification records and transcripts.

3

Payment Information

Financial transaction records retained for 7 years in accordance with Australian taxation and accounting requirements.

4

Marketing Data

Communication preferences and marketing interaction data retained until you withdraw consent or for 3 years of inactivity.

5

Technical Logs

Server logs and technical data automatically deleted after 12 months unless required for security investigations.

8. International Data Transfers

Some of our service providers may be located outside Australia. When we transfer your personal information overseas, we ensure appropriate safeguards are in place, including:

Transferring data only to countries with adequate privacy protections
Using standard contractual clauses approved by privacy authorities
Ensuring service providers implement appropriate security measures
Regular monitoring of international data processing activities

Countries where your data may be processed include the United States, Canada, and members of the European Union. We regularly review our international transfer arrangements to ensure continued compliance with Australian privacy law.

9. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our platform. These technologies help us remember your preferences, analyze site usage, and provide personalized content.

Types of Cookies We Use

Essential Cookies: Required for basic site functionality and security
Performance Cookies: Help us understand how users interact with our platform
Functional Cookies: Remember your preferences and settings
Marketing Cookies: Used to deliver relevant advertisements and track campaign effectiveness

You can control cookie settings through your browser preferences. However, disabling certain cookies may limit some functionality of our platform. We provide a cookie consent management tool that allows you to customize your cookie preferences.

10. Children's Privacy

Our services are designed for adults and we do not knowingly collect personal information from children under 13 years of age. If we become aware that we have collected personal information from a child under 13, we will take steps to delete such information immediately.

For users between 13 and 18 years of age, we require parental consent before collecting personal information. Parents and guardians have the right to review, modify, or delete their child's personal information by contacting us directly.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or business operations. We will notify you of any material changes by:

Posting the updated policy on our website with a new effective date
Sending email notifications to registered users for significant changes
Displaying prominent notices on our platform

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.

12. Complaints and Disputes

If you have concerns about how we handle your personal information, please contact us first using the details below. We have an internal complaint resolution process and will investigate your concerns promptly.

If you are not satisfied with our response, you have the right to lodge a complaint with the Office of the Australian Information Commissioner (OAIC):

Website: www.oaic.gov.au
Phone: 1300 363 992
Email: enquiries@oaic.gov.au