Privacy Policy

Information We Collect

We collect different types of information depending on how you interact with our services. It's straightforward—we only gather what helps us provide better financial management tools and support.

Personal Information You Provide

When you register for our courses or use our platform, you share information with us directly:

• Full name, email address, and phone number
• Business details including company name and Australian Business Number (ABN) if applicable
• Payment information processed through secure third-party providers
• Professional background and areas of interest in financial management
• Communication preferences and course selections

Information Collected Automatically

Like most online platforms, we collect technical data about how you use our site:

• IP address and general location information (city level, not exact address)
• Browser type, device information, and operating system
• Pages visited, time spent on our platform, and course progress
• Referral sources and search terms used to find us

How We Use Your Information

We're not in the business of selling your data. Everything we collect serves specific purposes related to providing our educational services.

Data Sharing and Third Parties

We work with select partners to deliver our services, but we're careful about who we share your information with.

Service Providers We Work With

• Payment Processors: We use Australian-based payment gateways that comply with PCI DSS standards. They handle your payment information securely—we never store complete card details on our servers.
• Email Services: Course notifications and updates are sent through trusted email platforms with data centers in Australia.
• Analytics Tools: We use privacy-focused analytics to understand how people use our platform, helping us make meaningful improvements.
• Cloud Hosting: Your data is stored on secure servers located within Australia, ensuring compliance with local data sovereignty requirements.

All our third-party providers are bound by strict confidentiality agreements and can only use your information for the specific purposes we've outlined.

When We Might Share Information

There are limited situations where we might need to disclose your information:

• If required by Australian law or valid legal process
• To protect the rights and safety of mavrentqio, our users, or others
• In connection with a business transfer (with your prior notification)
• With your explicit consent for specific purposes

Your Rights and Control

Under Australian privacy law, you have significant control over your personal information. Here's what you can do:

To exercise any of these rights, send us an email at help@mavrentqio.com with your request. We'll verify your identity and respond promptly.

Data Security Measures

Financial management involves sensitive information, so we take security seriously.

Technical Protections

• All data transmission uses TLS 1.3 encryption—the same standard banks use
• Passwords are hashed using industry-standard algorithms and never stored in plain text
• Our systems undergo regular security audits and penetration testing
• We maintain strict access controls—only authorized staff can access user data, and all access is logged
• Automated backups ensure data recovery in case of technical failure

Organizational Safeguards

Beyond technology, we've built privacy into our team culture. Staff receive regular training on data protection, and we maintain detailed incident response procedures. If we ever experience a data breach that might affect you, we'll notify you within 72 hours as required by Australian law.

Data Retention

We don't keep your information longer than necessary, but some retention is required by law.

How Long We Keep Different Types of Data

• Course Records: Maintained for 7 years after completion, as required for accredited educational institutions
• Financial Records: Kept for 7 years to comply with Australian Tax Office requirements
• Account Information: Retained while your account is active, then deleted within 90 days after account closure (except where legal retention applies)
• Marketing Data: Removed immediately upon unsubscribe, though transactional emails may reference past communications
• Technical Logs: Typically kept for 12 months for security and troubleshooting purposes

Once retention periods expire, we securely delete or anonymize your information so it can't be linked back to you.

Cookies and Tracking

Like most websites, we use cookies—small text files stored on your device that help our platform function properly.

Essential Cookies

These are necessary for basic functionality. They remember your login status, course progress, and preferences. Without them, key features wouldn't work.

Analytics Cookies

We use these to understand how people navigate our platform—which pages are most helpful, where users encounter difficulties, and how we can improve. The data is aggregated and doesn't identify individuals.

You can control cookies through your browser settings, though disabling them may limit some functionality. We don't use advertising cookies or share cookie data with advertisers.

International Data Transfers

Your data primarily stays within Australia, but some of our service providers operate globally.

When information leaves Australia, we ensure adequate protection through:

• Standard contractual clauses approved by the Office of the Australian Information Commissioner
• Verification that recipient countries have substantially similar privacy protections
• Additional safeguards like encryption during transfer and storage

Currently, the only international transfers involve email delivery infrastructure in New Zealand and Singapore—both countries with strong privacy frameworks.

Children's Privacy

Our services are designed for adult learners and business professionals. We don't knowingly collect information from anyone under 18. If you believe we've inadvertently collected data from a minor, contact us immediately and we'll delete it.

Changes to This Policy

We review this policy regularly and update it as our services evolve or regulations change. Material changes will be announced through email and a prominent notice on our platform at least 30 days before they take effect.

The current version is always available at mavrentqio.com/privacy-and-security.html with the last update date clearly displayed at the top.

Complaints and Disputes

If you're concerned about how we've handled your information, we want to know. Start by contacting us directly—most issues can be resolved quickly through conversation.

If you're not satisfied with our response, you have the right to lodge a complaint with the Office of the Australian Information Commissioner (OAIC). They provide a free, independent dispute resolution service.