1 Information We Collect

At lomberaviqo, we're committed to being transparent about what information we collect and why we need it. When you visit our website or use our financial education services, we collect several types of information to provide you with the best possible experience.

Personal Information You Provide

We collect information you voluntarily share with us, including:

• Contact details (name, email address, phone number)
• Billing address and payment information for course enrollments
• Educational background and financial learning goals
• Communications you send to us through contact forms or emails
• Survey responses and feedback about our educational content

Automatically Collected Information

Our website automatically collects technical information to improve functionality:

• IP address and general location information
• Browser type, device information, and operating system
• Pages visited, time spent on site, and navigation patterns
• Referring websites and search terms used to find us

2 How We Use Your Information

We use the information we collect to deliver quality financial education and improve our services. Here's specifically what we do with your data:

• Process course enrollments and manage your educational journey with us
• Send you course materials, updates, and relevant educational resources
• Respond to your questions and provide customer support
• Improve our website functionality and user experience
• Analyze learning outcomes to enhance our curriculum effectiveness
• Comply with Australian Privacy Principles and legal requirements

3 Information Sharing and Third Parties

We work with trusted partners to deliver our services, but we're selective about who we share information with and why.

Service Providers We Work With

• Payment Processors: Secure payment handling for course fees and materials
• Email Service Providers: Course communications and educational newsletters
• Cloud Storage Providers: Secure storage of course materials and student records
• Analytics Services: Website performance and user experience analysis

When We Must Share Information

We may disclose your information in limited circumstances:

• When required by Australian law or court orders
• To protect our legal rights or prevent fraudulent activity
• In case of business transfer or merger (with advance notice to you)
• With your explicit consent for specific purposes

4 Your Privacy Rights Under Australian Law

Under the Privacy Act 1988 and Australian Privacy Principles, you have several important rights regarding your personal information.

To exercise any of these rights, simply email us at contact@lomberaviqo.com with your request. We'll respond within 30 days and walk you through the process.

5 Data Security and Protection

Protecting your personal information is something we take seriously. We've implemented multiple layers of security to keep your data safe.

Technical Security Measures

• SSL encryption for all data transmission between your browser and our servers
• Regular security audits and vulnerability assessments
• Secure, encrypted databases with restricted access controls
• Two-factor authentication for staff accessing student information
• Regular automated backups stored in secure, geographically distributed locations

Operational Security Practices

• Staff training on privacy protection and data handling procedures
• Limited access to personal information on a need-to-know basis
• Regular review and updating of our security policies
• Incident response procedures for any potential data breaches

6 Data Retention and Deletion

We don't keep your information forever. Here's how long we retain different types of data and why:

Course and Educational Records

• Active students: Information retained throughout your enrollment and for 2 years after course completion for certification purposes
• Course materials access: Login credentials maintained for 3 years post-graduation for continued resource access
• Academic transcripts: Permanently retained for verification and reference purposes

Communication and Support Data

• Email communications: Retained for 5 years for quality assurance and support continuity
• Support tickets: Kept for 3 years to track resolution patterns and improve service
• Marketing communications: Removed immediately upon unsubscribe request

Automatic Deletion Process

We automatically review and delete outdated information according to our retention schedule. You can also request immediate deletion of your data at any time, subject to legal retention requirements.

7 Cookies and Tracking Technologies

Our website uses cookies and similar technologies to improve your browsing experience and help us understand how our site is being used.

Types of Cookies We Use

• Essential Cookies: Required for basic website functionality, login sessions, and security
• Performance Cookies: Help us understand which pages are most popular and how visitors navigate our site
• Functional Cookies: Remember your preferences and settings for a better user experience
• Analytics Cookies: Provide insights into website usage patterns to help us improve our content

Managing Your Cookie Preferences

You can control cookie settings through your browser preferences. Note that disabling certain cookies may affect website functionality. Most browsers allow you to:

• View which cookies are stored on your device
• Delete individual cookies or all cookies
• Block cookies from specific websites
• Set preferences for future cookie acceptance

8 International Data Transfers

While lomberaviqo operates primarily in Australia, some of our service providers may process data internationally. When this happens, we ensure appropriate protections are in place.

Our Approach to International Transfers

• We only work with providers who meet Australian privacy standards
• Data processing agreements include specific privacy and security requirements
• Regular audits ensure ongoing compliance with our privacy commitments
• You're notified if our data handling practices change significantly

The majority of your personal information remains stored on Australian servers, with international processing limited to essential services like payment processing and cloud backup storage.

9 Children's Privacy

Our financial education services are designed for adults aged 18 and over. We don't knowingly collect personal information from children under 18 without parental consent.

If you're under 18 and interested in our educational content:

• A parent or guardian must provide consent for enrollment
• We may require additional verification of parental consent
• Parents can review, update, or delete their child's information at any time
• Special protections apply to any information collected from minors

If we discover we've inadvertently collected information from a child without proper consent, we'll delete it immediately and contact the parents if possible.

10 Policy Updates and Changes

We periodically update this privacy policy to reflect changes in our practices, technology, or legal requirements. Here's how we handle updates:

How We Notify You of Changes

• Email notification to all registered users for significant changes
• Prominent website notice for 30 days after updates
• Updated "last modified" date at the top of this policy
• Summary of key changes provided in plain language

Your Options When We Update

If you disagree with policy changes, you can:

• Contact us to discuss your concerns
• Update your privacy preferences or communication settings
• Request deletion of your account and associated data
• Continue using our services under the new policy terms

We encourage you to review this policy periodically, especially before sharing new information with us or enrolling in additional courses.