Privacy Policy

Information We Collect

tovarinelyqo collects information that you provide directly to us when using our financial modeling platform. This includes personal details you share during account creation, course enrollment, and platform interactions.

• Personal identification information including your name, email address, and contact details
• Professional information such as your current role, industry experience, and career objectives
• Educational background and previous learning experiences relevant to financial modeling
• Payment information processed securely through our third-party payment processors
• Learning progress data including course completion rates, assessment scores, and time spent on modules
• Technical information such as IP address, browser type, and device information for platform optimization

How We Use Your Information

Your personal information helps us provide personalized learning experiences and maintain our educational platform. We use this data to support your professional development in financial modeling and related skills.

• Delivering course content and tracking your learning progress through our platform
• Providing personalized recommendations for additional courses and learning materials
• Sending important updates about your enrolled courses and new educational opportunities
• Processing payments and managing your account billing information securely
• Improving our platform based on user feedback and learning analytics
• Responding to your inquiries and providing customer support when needed
• Ensuring platform security and preventing unauthorized access to accounts

Information Sharing and Disclosure

tovarinelyqo takes a conservative approach to sharing your personal information. We only share data with trusted partners who help us deliver our educational services, and never for marketing purposes by third parties.

We may share your information in these specific circumstances:

• With payment processors to handle course enrollment fees and subscription payments
• With educational technology partners who provide course delivery infrastructure
• With analytics providers to understand platform usage and improve user experience
• When required by Australian law or to comply with legal proceedings
• To protect the rights, property, or safety of tovarinelyqo, our users, or the public
• In connection with corporate restructuring, merger, or acquisition activities

Your Privacy Rights Under Australian Law

As an Australian-based company, tovarinelyqo complies with the Privacy Act 1988 and Australian Privacy Principles (APPs). You have specific rights regarding your personal information that we actively support.

• Access your personal information we hold and request copies of your data
• Correct inaccurate or outdated information in your account profile
• Request deletion of your personal information when legally permissible
• Object to certain types of data processing activities
• Withdraw consent for optional data collection activities
• Lodge complaints with the Office of the Australian Information Commissioner
• Receive your data in a portable format when technically feasible

To exercise these rights, contact our privacy team using the details provided at the end of this policy. We respond to all requests within 30 days as required by Australian privacy legislation.

Data Security and Protection

Protecting your personal information is fundamental to our operations. tovarinelyqo implements multiple layers of security to safeguard your data against unauthorized access, alteration, disclosure, or destruction.

• SSL encryption for all data transmission between your device and our servers
• Regular security audits conducted by independent cybersecurity professionals
• Access controls ensuring only authorized personnel can view personal information
• Secure data centers with physical access restrictions and environmental controls
• Regular backup procedures to protect against data loss or corruption
• Employee training programs on data privacy and security best practices
• Incident response procedures for potential security breaches or data concerns

Data Retention and Deletion

tovarinelyqo maintains your personal information only as long as necessary to provide our educational services and comply with legal obligations. Our retention periods are based on the type of information and your relationship with our platform.

• Active account information is retained while your account remains open and active
• Course progress and completion records are kept for seven years for certification purposes
• Payment transaction records are retained for seven years as required by Australian tax law
• Marketing communications data is deleted within two years if you unsubscribe
• Technical logs and analytics data are anonymized after 18 months
• Closed account data is deleted within 12 months unless legal obligations require longer retention

You can request early deletion of your personal information by contacting our privacy team. We will honor such requests unless legal or legitimate business reasons require us to retain specific information.

Cookies and Tracking Technologies

tovarinelyqo uses cookies and similar technologies to enhance your learning experience and understand how our platform is used. These technologies help us remember your preferences and provide personalized course recommendations.

• Essential cookies required for platform functionality and user authentication
• Performance cookies that help us understand how users interact with our courses
• Preference cookies that remember your settings and customization choices
• Analytics cookies that provide insights into learning patterns and platform usage

You can control cookie settings through your browser preferences, though disabling certain cookies may affect platform functionality. We do not use cookies for advertising or share cookie data with advertising networks.

International Data Transfers

While tovarinelyqo is based in Australia, some of our technology partners and service providers operate internationally. When we transfer personal information outside Australia, we ensure appropriate safeguards are in place.

• All international transfers comply with Australian Privacy Principles
• We use contractual clauses to ensure equivalent privacy protection standards
• Regular reviews of international partner privacy and security practices
• Preference for partners in countries with adequate privacy law frameworks

Changes to This Privacy Policy

tovarinelyqo may update this privacy policy periodically to reflect changes in our practices, technology, legal requirements, or business operations. We will notify users of significant changes through email and platform notifications.

Minor updates that don't materially affect your privacy rights may be implemented with notice posted on our website. Major changes that impact how we collect, use, or share personal information will include direct communication to all active users at least 30 days before implementation.

We encourage you to review this privacy policy regularly to stay informed about how we protect your personal information and respect your privacy rights.