Privacy Policy

Information We Collect

We gather different types of information depending on how you engage with our services. Here's what we typically collect and why it matters:

Personal Identification Information

When you enroll in our programs or contact us, we collect basic details like your name, email address, phone number, and mailing address. For Australian residents, this includes your postcode and state. We need this information to process enrollments, send course materials, and communicate with you about your learning progress.

Educational Background Data

To tailor our financial analysis programs to your experience level, we ask about your educational background and professional experience. This helps us recommend appropriate courses and provide better support throughout your learning journey.

Payment Information

When you purchase courses or programs, we collect payment details through secure third-party processors. We don't store complete credit card numbers on our servers – that's handled by PCI-compliant payment partners who specialize in secure transactions.

Technical and Usage Data

Like most websites, we automatically collect certain technical information when you visit xalorentiq.com. This includes your IP address, browser type, device information, and how you navigate through our site. We use this data to improve user experience and identify technical issues.

How We Use Your Information

Your data serves specific purposes related to providing quality financial education. We don't sell your personal information to third parties, and we only use it in ways that directly support your learning experience or our legitimate business operations.

We occasionally send emails about new programs or educational resources that might interest you based on your course history. You can opt out of these communications anytime – there's an unsubscribe link in every marketing email we send.

Data Storage and Security

Your information is stored on secure servers located in Australia, with encrypted backups maintained in accordance with Australian data protection standards. We use industry-standard security measures including SSL encryption, firewalls, and access controls.

But let's be honest – no system is completely invulnerable. While we implement robust security practices, we can't guarantee absolute security. That's why we also limit access to personal information to employees and contractors who need it to perform their jobs.

Data Retention Periods

We keep your personal information for as long as necessary to provide our services and meet legal requirements. Student records are typically maintained for seven years after course completion, as required by Australian education regulations. Payment records follow a similar timeline for tax and accounting purposes.

If you request account deletion, we'll remove your personal information within 30 days, except where we're legally required to retain certain records. Some anonymized data may be kept for statistical analysis and service improvement.

Sharing Your Information

We share personal information with third parties only when necessary to deliver our services or comply with legal obligations. Here's who might receive your data and why:

• Learning Platform Providers: We use third-party systems to host course content and manage student progress. These providers have access to your account information and learning activity.
• Payment Processors: Companies like Stripe or PayPal process your payments securely. They receive transaction details but operate under their own privacy policies.
• Email Service Providers: We use email platforms to send course communications and updates. Your email address and name are shared with these services.
• Analytics Services: Tools like Google Analytics help us understand how people use our website. This involves sharing anonymized usage data.
• Legal Authorities: We may disclose information if required by law, court order, or government regulation.

All third-party service providers are contractually obligated to protect your information and use it only for specified purposes. We don't work with companies that sell or rent customer data.

Your Privacy Rights

Under Australian privacy law, you have several rights regarding your personal information. We make it straightforward to exercise these rights – just contact us at help@xalorentiq.com with your request.

Access and Correction

You can request a copy of the personal information we hold about you. We'll provide this within 30 days, free of charge for the first request each year. If you spot any inaccuracies, let us know and we'll correct them promptly.

Data Portability

You can request your data in a commonly used electronic format, making it easier to transfer to another service provider if you choose. This applies to information you've directly provided to us.

Deletion Rights

You can ask us to delete your personal information, though this might mean we can no longer provide certain services. Some data must be retained for legal or contractual reasons – we'll explain what can and cannot be deleted.

Marketing Preferences

You control whether you receive marketing communications from us. Update your preferences through your account settings or use the unsubscribe link in our emails. Even if you opt out of marketing, we'll still send essential service-related messages.

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to function properly and improve your experience. Some cookies are essential for the site to work, while others help us understand how visitors use our platform.

Types of Cookies We Use

Essential Cookies: These keep you logged in and remember your preferences as you navigate the site. They're necessary for basic functionality and can't be disabled without breaking the website.

Analytics Cookies: We use these to see which pages are popular, how long people spend on different sections, and where users might be experiencing difficulties. This information helps us improve our educational content and site design.

Preference Cookies: These remember your choices like language settings or course filters, so you don't have to set them every time you visit.

You can control cookies through your browser settings, but blocking certain types might affect how our website works for you. Most browsers let you view and delete cookies individually.

Children's Privacy

Our financial analysis programs are designed for adults. We don't knowingly collect personal information from anyone under 18 without parental consent. If you're under 18 and interested in our courses, please have a parent or guardian contact us to discuss enrollment options and consent requirements.

If we discover we've accidentally collected information from a minor without proper consent, we'll delete it promptly. Parents who believe their child has provided us with personal information can contact help@xalorentiq.com to request removal.

International Data Transfers

Your data is primarily stored and processed within Australia. However, some of our service providers operate internationally, which means your information might be transferred to countries with different privacy laws.

When this happens, we ensure appropriate safeguards are in place through contractual agreements that require the same level of protection required under Australian law. You can request details about specific international transfers by contacting our privacy team.

Changes to This Policy

We update this privacy policy occasionally to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify active users by email and post a notice on our website.

The effective date at the top of this page shows when the current version was last updated. We encourage you to review this policy periodically, especially before sharing new personal information with us.

Continued use of our services after policy changes means you accept the updated terms. If you disagree with changes, you can close your account and request deletion of your information.

Privacy Complaints

If you're concerned about how we've handled your personal information, please contact us first at help@xalorentiq.com. We take complaints seriously and investigate all concerns thoroughly.

We'll acknowledge your complaint within 7 days and provide a detailed response within 30 days. If you're not satisfied with our response, you have the right to contact the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au or by phone at 1300 363 992.