Information We Collect

We collect various types of information to provide you with quality financial education services and improve your learning experience. The information we gather falls into several categories.

Personal Identification Information

When you register for our programs or contact us, we collect details such as your full name, email address, phone number, and postal address. We also record your date of birth and professional background when relevant to program placement.

Financial and Payment Data

To process course enrolments and payments, we collect billing information including credit card details, bank account information, and transaction history. This data is encrypted and processed through secure payment gateways. We never store complete credit card numbers on our servers.

Learning and Usage Information

As you participate in our programs, we track your progress, course completion rates, assessment results, and engagement with learning materials. This helps us tailor your educational experience and provide appropriate support.

Technical and Device Information

• IP address and approximate geographic location
• Browser type, version, and language preferences
• Device identifiers and operating system details
• Pages visited, time spent on site, and navigation paths
• Referral sources and search terms used to find us

How We Use Your Information

Your information serves specific purposes related to delivering educational services and maintaining our relationship with you. We don't use your data for unrelated purposes without your explicit consent.

Communication Purposes

We use your contact information to send program updates, schedule changes, and important administrative notices. You'll also receive information about upcoming courses that match your interests, though you can opt out of promotional messages at any time.

Service Improvement

Aggregated and anonymized data helps us understand how students interact with our materials. We analyze usage patterns to refine course content, improve platform functionality, and develop new educational offerings that better serve our community.

Data Sharing and Disclosure

We don't sell your personal information to third parties. However, we do share data with trusted partners who help us operate our services and support your learning journey.

Service Providers

We work with carefully selected companies that assist with payment processing, email delivery, web hosting, and technical support. These providers access only the information necessary to perform their specific functions and are contractually bound to protect your data.

Legal Requirements

We may disclose your information when required by Australian law, court order, or government regulation. This includes situations where disclosure is necessary to protect our legal rights, prevent fraud, or ensure user safety.

Your Privacy Rights

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

1. Access Your Data – You can request a copy of all personal information we hold about you. We'll provide this within 30 days of your request.
2. Correct Inaccuracies – If any information we hold is incorrect or outdated, let us know and we'll update it promptly.
3. Request Deletion – You can ask us to delete your personal information, subject to certain exceptions (such as legal record-keeping requirements).
4. Restrict Processing – In some circumstances, you can request that we limit how we use your data.
5. Data Portability – You can request your information in a structured, commonly used format to transfer to another service.
6. Withdraw Consent – Where we rely on your consent to process data, you can withdraw that consent at any time.
7. Opt Out of Marketing – You can unsubscribe from promotional emails using the link in each message or by contacting us directly.

Data Security Measures

Protecting your information is a priority. We implement multiple layers of security to prevent unauthorized access, disclosure, or loss of your data.

Technical Safeguards

• SSL/TLS encryption for all data transmitted between your device and our servers
• Encrypted storage for sensitive personal and financial information
• Regular security audits and vulnerability assessments
• Firewalls and intrusion detection systems monitoring network traffic
• Secure backup systems with redundant data storage

Administrative Protections

Access to personal information is restricted to authorized staff members who need it to perform their roles. All team members undergo privacy training and sign confidentiality agreements. We maintain detailed logs of who accesses your data and when.

Despite our precautions, no system is completely secure. If a data breach occurs that might affect you, we'll notify you and the Office of the Australian Information Commissioner as required by law.

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance your browsing experience and understand how you interact with our platform.

Types of Cookies We Use

Essential Cookies: These are necessary for the website to function properly. They enable basic features like page navigation, secure area access, and form submission. You cannot opt out of these cookies.

Functional Cookies: These remember your preferences (like language settings or login details) to provide a more personalized experience. Disabling these may limit certain features.

Analytics Cookies: We use these to understand visitor behavior and improve our site. They collect anonymous information about page views, session duration, and navigation patterns.

You can control cookie settings through your browser preferences. Note that blocking certain cookies may affect your ability to use some features of our website.

Data Retention

We keep your personal information only as long as necessary to fulfill the purposes outlined in this policy or to comply with legal obligations.

Retention Periods

• Active Student Records: Maintained throughout your enrolment plus seven years after course completion for accreditation purposes
• Financial Records: Kept for seven years to meet Australian taxation requirements
• Marketing Communications: Retained until you unsubscribe, then deleted within 60 days
• Website Analytics: Anonymized data retained for up to 26 months
• Support Inquiries: Deleted three years after your last interaction with us

When data is no longer required, we securely delete or anonymize it so it cannot be recovered or reconstructed.

International Data Transfers

Your information is primarily stored on servers located in Australia. However, some of our service providers operate internationally, which may involve transferring your data outside Australia.

When we transfer data internationally, we ensure appropriate safeguards are in place. This might include using providers located in countries with adequate privacy protections recognized by Australian law, or implementing standard contractual clauses that provide equivalent protections.

You have the right to request information about these international transfers and the protections we've put in place.

Children's Privacy

Our services are designed for adults aged 18 and over. We do not knowingly collect personal information from individuals under 18 without parental or guardian consent.

If you're a parent or guardian and believe your child has provided us with personal information, contact us immediately. We'll take steps to remove that information from our systems.

Changes to This Policy

We review and update this Privacy Policy periodically to reflect changes in our practices, technology, legal requirements, or business operations. When we make significant changes, we'll notify you by email or through a prominent notice on our website.

The "Last Updated" date at the top of this policy indicates when it was most recently revised. We encourage you to review this page occasionally to stay informed about how we're protecting your information.

Continuing to use our services after policy changes take effect means you accept the updated terms.

Complaints and Disputes

If you're concerned about how we've handled your personal information, we want to hear from you. Most privacy concerns can be resolved quickly through direct communication.

Our Complaints Process

1. Send a written complaint to our Privacy Officer at support@rumnexviare.com describing your concern in detail.
2. We'll acknowledge your complaint within five business days and begin an investigation.
3. Our Privacy Officer will review the matter and may contact you for additional information.
4. You'll receive a written response within 30 days outlining our findings and any corrective actions.
5. If you're not satisfied with our response, you can escalate the matter to the Office of the Australian Information Commissioner.