When you interact with tonerivolqa's financial modeling courses and services, we collect information that helps us provide you with personalized educational experiences. This happens in several ways during your journey with us.

We also gather information when you communicate with our support team, participate in webinars, or engage with our community forums. This helps us understand what's working well and where we can improve your learning experience.

Your information serves several important purposes in delivering quality financial education. We use what we collect to create meaningful learning experiences tailored to your professional goals.

• Delivering course content and tracking your progress through financial modeling modules
• Providing technical support and responding to your questions about course materials
• Sending important updates about your enrolled courses and new learning opportunities
• Analyzing learning patterns to improve our curriculum and teaching methods
• Maintaining secure access to your account and protecting against unauthorized use
• Processing payments and managing your subscription or course purchases

We never sell your personal information to third parties. Every use of your data focuses on enhancing your educational experience or fulfilling our legitimate business interests in providing quality financial education services.

We maintain strict controls over who can access your personal information. Sharing only occurs in specific circumstances that directly support your educational experience or comply with legal requirements.

Service Providers: We work with trusted third-party companies that help us deliver our services. These include payment processors, email delivery services, and learning management system providers. Each partner signs agreements requiring them to protect your information and use it only for specified purposes.

Legal Requirements: We may disclose information when required by Australian law, court orders, or government requests. This includes situations involving suspected fraud, threats to safety, or violations of our terms of service.

Business Transfers: In the unlikely event tonerivolqa is acquired or merged with another company, your information would transfer to the new entity under the same privacy protections outlined in this policy.

As an Australian-based educational institution, we comply with the Privacy Act 1988 and Australian Privacy Principles. You have significant rights regarding your personal information, and we make it straightforward to exercise them.

• Access Right: Request a copy of all personal information we hold about you, including learning records and account details
• Correction Right: Update or correct any inaccurate or incomplete information in your profile or records
• Deletion Right: Request deletion of your personal information, subject to our legitimate need to maintain educational records
• Portability Right: Receive your information in a structured, machine-readable format for transfer to another service
• Objection Right: Object to processing of your information for direct marketing or other specific purposes

To exercise any of these rights, contact our privacy team at support@tonerivolqa.com. We respond to all requests within 30 days and provide clear explanations of any limitations that may apply under Australian privacy law.

Protecting your information requires multiple layers of security, both technical and operational. We invest significantly in safeguarding the data you entrust to us during your financial education journey.

Technical Safeguards: All data transmission uses SSL encryption, and we store information on secure servers with regular security updates and monitoring. Access to your information requires multi-factor authentication for our team members.

Operational Security: Our staff receives regular privacy training, and we limit access to your information based on job responsibilities. We conduct annual security audits and vulnerability assessments to identify and address potential risks.

International Transfers: Some of our service providers operate outside Australia. When we transfer your information internationally, we use appropriate safeguards like standard contractual clauses to ensure your data receives adequate protection.

We retain your information only as long as necessary to provide our educational services and comply with legal obligations. Different types of information have different retention periods based on their purpose and legal requirements.

• Course Records: Educational progress and completion records are kept for 7 years to support credential verification and regulatory compliance
• Account Information: Personal profile data is retained while your account remains active, plus 2 years after closure
• Communication Records: Support conversations and course-related communications are kept for 3 years
• Financial Records: Payment and billing information is retained for 7 years to comply with Australian taxation laws
• Marketing Data: Information used for promotional communications is deleted within 30 days of opt-out requests

When retention periods expire, we securely delete or anonymize your information. You can request earlier deletion in many cases, though we may need to retain certain records to meet legal obligations or protect legitimate interests.

Our website uses cookies and similar technologies to enhance your learning experience and analyze how our platform performs. We believe in giving you control over these technologies while explaining their benefits clearly.

Essential Cookies: These cookies are necessary for basic website functionality, including maintaining your login session, remembering your course progress, and ensuring security features work properly. You cannot opt out of essential cookies.

Analytics Cookies: We use these to understand how students navigate our platform, which resources are most helpful, and where we can improve the user experience. This information helps us make data-driven improvements to our courses.

Preference Cookies: These remember your choices about language settings, display preferences, and course customizations to provide a more personalized experience during return visits.

We do not use cookies for behavioral advertising or share cookie data with advertising networks. All tracking serves educational purposes or helps us improve our services for financial modeling students.

Our financial modeling courses are designed for adult learners and professionals. We do not knowingly collect personal information from individuals under 18 years of age without explicit parental consent.

If you are under 18 and interested in our educational content, please have a parent or guardian contact us to discuss appropriate arrangements. We can work with families to ensure young learners receive proper privacy protections.

If we discover we have inadvertently collected information from someone under 18 without proper consent, we will delete that information promptly and take steps to prevent similar situations in the future.

Privacy laws and our educational practices evolve over time. We update this policy periodically to reflect changes in our services, legal requirements, or industry best practices.

Notification Process: We will email all active users about significant policy changes at least 30 days before they take effect. Minor clarifications or updates may be posted to our website with updated date stamps.

Your Continued Use: Continuing to use our services after policy updates indicates acceptance of the changes. If you disagree with modifications, you can close your account or contact us to discuss your concerns.

We encourage periodic review of this policy to stay informed about how we protect your information. Our commitment to privacy remains constant even as specific practices may change to better serve your needs.