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luforvaroomola

Building financial literacy through focused learning

Privacy Policy

Last Updated: March 2025

At luforvaroomola, we take your privacy seriously. This policy explains how we collect, use, and protect your personal information when you interact with our financial education services. We're based in Australia and comply with the Privacy Act 1988 and the Australian Privacy Principles (APPs).

Information We Collect

When you use our financial statement analysis education services, we collect different types of information. Some you provide directly. Other data comes from how you interact with our platform.

Personal Information You Provide

  • Your name, email address, and phone number when you register for programs
  • Postal address for correspondence and certification delivery
  • Payment information processed through secure third-party providers
  • Educational background and professional experience for course placement
  • Communication preferences and feedback you share with us

Information Collected Automatically

Our website collects technical data through cookies and similar technologies. This includes your IP address, browser type, device information, and how you navigate through our site. We use this to improve your experience and understand what content resonates with our students.

How We Use Your Information

We're pretty straightforward about why we need your data. Here's what we do with it:

  • Deliver educational content and learning materials you've enrolled in
  • Process payments and maintain accurate financial records
  • Send you program updates, schedules, and important announcements
  • Respond to your questions and provide student support
  • Improve our courses based on how students engage with materials
  • Comply with legal requirements and protect against fraud
  • Send occasional educational resources if you've opted in (you can unsubscribe anytime)

Important: We never sell your personal information to third parties. That's not how we operate. Your data stays within our educational ecosystem unless legally required otherwise.

Data Storage and Security

Your information is stored on secure servers in Australia. We use industry-standard encryption for data transmission and storage. Our team receives regular training on data protection practices.

Security Measures We Implement

  • SSL/TLS encryption for all data transmitted through our website
  • Regular security audits and vulnerability assessments
  • Access controls limiting who can view your personal information
  • Secure backup systems with encrypted storage
  • Multi-factor authentication for staff accessing student data

Despite our efforts, no system is completely foolproof. If we experience a data breach affecting your information, we'll notify you within the timeframes required by Australian law.

Data Retention

We keep your information for as long as necessary to provide our services and meet legal obligations. Here's a general timeline:

Data Type Retention Period
Student enrollment records 7 years after course completion
Financial transaction records 7 years as required by tax law
Marketing communications data Until you unsubscribe or request deletion
Website analytics data 26 months from collection date
Support correspondence 3 years after resolution

After retention periods expire, we securely delete or anonymize your data so it can't be traced back to you.

Sharing Your Information

We work with carefully selected service providers who help us deliver our educational programs. These partners only access the data they need to perform specific functions.

Third Parties We Work With

  • Payment processors for secure transaction handling
  • Cloud hosting providers for platform infrastructure
  • Email service providers for course communications
  • Analytics platforms to understand user engagement
  • Customer support tools for managing student inquiries

All third parties sign data processing agreements ensuring they handle your information according to Australian privacy standards. If any provider stores data overseas, we ensure adequate protections are in place.

Your Rights Under Australian Law

The Australian Privacy Principles give you specific rights regarding your personal information. You're in control here.

Access Your Information

You can request a copy of the personal data we hold about you. We'll provide this within 30 days, free of charge. If your request is particularly complex or involves large volumes of data, we might need additional time and will let you know.

Correct Your Information

Found something inaccurate? Let us know. We'll update your records promptly. You can also update many details yourself through your student account dashboard.

Request Deletion

You can ask us to delete your personal information. We'll comply unless we have a legitimate reason to keep it (like financial records we're legally required to maintain). We'll explain our reasoning if we can't delete everything immediately.

Withdraw Consent

If we're processing your data based on consent, you can withdraw it anytime. This doesn't affect processing that already occurred, but we'll stop going forward.

Lodge a Complaint

If you're concerned about how we've handled your information, contact us first so we can address it. If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC).

Cookies and Tracking

Our website uses cookies to function properly and provide a better experience. Some are essential. Others help us understand how people use our platform.

Types of Cookies We Use

  • Essential cookies: Required for basic site functionality like login sessions
  • Analytics cookies: Help us understand user behavior and improve content
  • Preference cookies: Remember your settings and choices

You can control cookies through your browser settings. Blocking certain cookies might affect how well the website works for you.

Children's Privacy

Our financial education programs are designed for adults. We don't knowingly collect information from anyone under 18. If you're under 18 and interested in our programs, have a parent or guardian contact us to discuss options.

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 enrolled students via email. The "Last Updated" date at the top shows when we last revised this document.

Continuing to use our services after changes take effect means you accept the updated policy.

International Data Transfers

While we primarily store data in Australia, some service providers operate globally. When your information crosses borders, we ensure adequate protections are in place through standard contractual clauses or other approved mechanisms.

Australian privacy law requires us to take reasonable steps to ensure overseas recipients handle your data appropriately. We only work with providers who meet these standards.

Questions About Your Privacy?

We're here to help. If you have questions about this policy or how we handle your information, reach out to us directly.

Email: contact@luforvaroomola.com

Phone: +61 407 134 377

Mail: PO Box 793, Newcastle, NSW, 2300, Australia