1. Information We Collect

When you use our personal finance literacy services, we collect different types of information depending on how you interact with us. Here's what that looks like in practice:

Personal Identification Information

We ask for basic details when you sign up for our learning program or contact us. This includes your name, email address, phone number, and postal address. If you're enrolling in our structured courses, we'll also need your date of birth to verify eligibility for certain programs.

Financial Learning Data

As you work through our materials, we track your progress—which modules you've completed, quiz results, areas where you spent more time. This helps us understand what's working and what needs improvement. We don't collect actual financial account information or sensitive banking details.

Technical Information

Like most websites, we automatically gather technical data: your IP address, browser type, device information, and how you navigate through our site. This helps us spot technical issues and understand user behaviour patterns.

Communication Records

When you email us at help@variosenith.com or call our support line, we keep records of those conversations. It's not about surveillance—it's so we can follow up properly and improve our responses over time.

2. How We Use Your Information

We're not in the business of selling data. Everything we collect serves a specific purpose related to delivering quality financial education:

3. Data Sharing and Third Parties

We don't hand your information to random companies. But running an education platform does require some trusted partnerships:

Service Providers

We work with hosting companies, email services, and payment processors—all vetted partners who sign agreements to protect your data. They only access what they need to perform their specific function.

Educational Partners

If you enroll in a program co-delivered with another institution, we'll share relevant enrollment details with that partner. We'll always tell you upfront when this applies.

Legal Requirements

If Australian authorities issue a valid legal request for information, we're obligated to comply. We'd notify you unless prohibited by law.

What We Don't Do

• Sell your personal information to data brokers or marketing firms
• Share your learning progress with employers without your explicit consent
• Use your data for unrelated commercial purposes
• Transfer information outside Australia without appropriate safeguards

4. Your Rights Under Australian Privacy Law

The Australian Privacy Principles give you real control over your personal information. Here's what you can actually do:

Access Your Information

Request a copy of everything we hold about you. We'll provide it within 30 days, usually as a downloadable file. There's no charge for reasonable requests.

Correct Inaccuracies

Spot an error in your profile or records? Let us know and we'll fix it promptly. This matters especially for enrollment details or contact information.

Request Deletion

Ask us to delete your account and associated data. We'll comply unless we're legally required to keep certain records (like completion certificates for accredited modules). The process typically takes 7-10 business days.

Restrict Processing

In specific situations—like if you're disputing the accuracy of your data—you can ask us to temporarily limit how we use your information.

Withdraw Consent

If you agreed to something optional (like receiving our newsletter), you can change your mind anytime. This doesn't affect things we're doing based on legal obligations rather than consent.

To exercise any of these rights, email help@variosenith.com with "Privacy Request" in the subject line. We'll verify your identity and respond within the timeframes required by Australian law.

5. Data Security Measures

Security isn't just a checkbox for us—it's an ongoing commitment. Here's how we protect your information:

Despite our precautions, no system is completely impenetrable. If a breach occurs that poses a risk to your information, we'll notify you and the relevant authorities as required by Australian privacy law.

6. Data Retention and Deletion

We don't keep information longer than necessary. Here's our approach to different types of data:

Active Account Data

While you're an active user, we maintain your full profile and learning history. This includes all course progress, certificates earned, and communication records.

Inactive Accounts

If you haven't logged in for three years, we'll send a reminder email. After four years of inactivity, we'll delete your account unless you respond. Course completion records for accredited programs are kept longer for verification purposes.

Financial Records

Payment information and enrollment records are retained for seven years to comply with Australian tax and business record requirements.

Marketing Data

If you unsubscribe from our communications, we'll remove you from marketing lists immediately but keep a suppression record to ensure you don't get re-added accidentally.

Legal Hold Exceptions

In rare cases involving legal disputes or regulatory investigations, we may need to retain data beyond standard timeframes. We'll notify you if this applies to your information.

7. Cookies and Tracking Technologies

Our website uses cookies and similar tools. Here's what that means in practical terms:

Essential Cookies

These keep the site functional—remembering you're logged in, maintaining your session as you navigate between pages. You can't really opt out of these without breaking the site.

Analytics Cookies

We use these to understand how visitors use our site: which pages are popular, where people get stuck, how long they spend on different sections. The data is aggregated—we're not tracking individuals.

Preference Cookies

These remember your choices like language settings or whether you've dismissed certain notifications.

You can manage cookie preferences through your browser settings. Most browsers let you block or delete cookies, though this might affect site functionality.

8. Children's Privacy

Our programs are designed for adults and young people aged 15 and over. If you're under 18, we require parental consent for enrollment in our structured courses.

We don't knowingly collect information from children under 15. If we discover we've inadvertently gathered such data, we'll delete it promptly and notify the relevant parties.

Parents or guardians can request access to their child's information by contacting us with verification of their relationship.

9. International Data Transfers

We store all data within Australia using Australian-based servers. In limited cases, some service providers (like cloud infrastructure) may process data through international systems.

When this happens, we ensure:

• The receiving country has adequate privacy protections recognized by Australian standards
• Contractual clauses require equivalent protection to Australian privacy law
• You're informed if your specific data will be transferred internationally

We don't routinely transfer personal information outside Australia, and we'll always prioritize domestic processing where feasible.

10. Changes to This Policy

Privacy practices evolve, and so will this policy. We'll update this document when our practices change or when required by law.

Significant changes will be communicated through email to active users and prominently displayed on our website for 30 days. The "Last Updated" date at the top will always reflect the most recent revision.

We encourage you to review this policy periodically—especially before sharing new types of information with us or enrolling in new programs.

11. Complaints and Disputes

If you're concerned about how we've handled your information, we want to know. Here's the process:

Internal Resolution

Contact our privacy officer at help@variosenith.com with details of your concern. We'll acknowledge receipt within 3 business days and provide a substantive response within 30 days.

External Review

If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC). They're an independent body that investigates privacy complaints.

You can reach the OAIC at:

• Website: www.oaic.gov.au
• Phone: 1300 363 992
• Mail: GPO Box 5218, Sydney NSW 2001