Information We Collect

We collect information that helps us provide better financial education services. The type of data we gather depends on how you engage with our platform.

Personal Details You Provide

When you register for our learning programs or contact us, you might share:

• Full name and contact details (email, phone number)
• Residential address for course materials delivery
• Educational background and financial literacy level
• Payment information processed through secure third-party providers
• Learning preferences and goals you share with us
• Communication records when you reach out to our support team

Technical Information

Like most websites, we automatically collect certain technical data:

• IP address and browser type
• Device information and operating system
• Pages visited and time spent on our site
• Referring website or search terms used
• Cookie data for site functionality

How We Use Your Information

Your data helps us deliver quality education and improve our services. Here's what we actually do with it:

Data Sharing and Disclosure

We keep your information private, but sometimes we need to share limited data with trusted partners to operate our services.

Service Providers

We work with companies that help us run our platform. These include payment processors, email delivery services, and hosting providers. They can only use your data to perform specific tasks for us and must protect it according to our standards.

Legal Requirements

We might disclose your information if required by Australian law, court orders, or government requests. We'll notify you when legally permitted to do so.

Business Transfers

If lomvireqosa merges with another company or sells assets, your information might be transferred. You'll receive notice before this happens, and the new entity must honor this privacy policy.

Your Privacy Rights

Under Australian privacy law, you have several rights regarding your personal information. Here's how to exercise them:

1. Access your data: Request a copy of the personal information we hold about you. We'll provide this within 30 days.
2. Correct inaccuracies: Ask us to update or fix incorrect information in your account.
3. Request deletion: Ask us to remove your personal data, subject to legal retention requirements.
4. Restrict processing: Limit how we use your information in certain circumstances.
5. Data portability: Receive your data in a structured format to transfer elsewhere.
6. Withdraw consent: Change your mind about optional data uses at any time.

To exercise these rights, email us at help@lomvireqosa.com with your request. We'll verify your identity and respond promptly.

Data Security Measures

Protecting your information is something we take seriously. While no system is completely foolproof, we use multiple layers of security:

• SSL encryption for all data transmitted between your device and our servers
• Secure, password-protected databases with restricted access
• Regular security audits and vulnerability assessments
• Staff training on data protection and privacy best practices
• Multi-factor authentication for sensitive account actions
• Automated backup systems with encrypted storage

You play a role too. Keep your login credentials private, use strong passwords, and log out when using shared devices.

Cookies and Tracking

We use cookies and similar technologies to make our site work properly and understand how people use it.

Types of Cookies We Use

• Essential cookies: Required for basic site functionality like login sessions
• Performance cookies: Help us understand which pages are popular and how visitors move around
• Functional cookies: Remember your preferences and settings

You can control cookies through your browser settings. Keep in mind that disabling certain cookies might affect site functionality.

Data Retention

We don't keep your information longer than necessary. Here's our approach:

After you close your account or complete a program, we keep certain records for seven years to comply with Australian taxation and business record requirements. This includes transaction history and completion certificates.

Technical logs and analytics data are typically deleted after 24 months. Marketing communications preferences are removed within 90 days of unsubscribing.

Third-Party Links

Our learning materials might include links to external resources, research papers, or financial tools. We're not responsible for the privacy practices of these third-party sites. Check their privacy policies before sharing personal information.

Children's Privacy

Our services target adults making financial decisions. We don't knowingly collect information from anyone under 18. If you're a parent and believe your child has provided us with personal data, contact us immediately so we can delete it.

Changes to This Policy

We update this policy occasionally to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you via email or a prominent notice on our site. The "last updated" date at the top shows when the most recent changes took effect.

Continuing to use our services after changes means you accept the updated policy. If you disagree with changes, you can close your account.

Complaints and Disputes

If you're concerned about how we've handled your personal information, we want to hear from you. Contact our privacy team at help@lomvireqosa.com with details of your complaint.

We'll acknowledge your complaint within five business days and investigate thoroughly. You should receive a response within 30 days.

If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au.