Privacy Policy

1. Information We Collect

Personal Information

When you register for flarenquosiva's financial services, we collect personal information that helps us provide you with tailored financial education and tools. This includes your name, email address, phone number, and mailing address. We also collect financial information such as income ranges, investment goals, and risk tolerance preferences to customize your learning experience.

Usage Data

We automatically collect information about how you interact with our platform. This includes pages visited, time spent on different sections, course progress, and feature usage patterns. We use this data to improve our services and provide you with more relevant content recommendations.

Cookies and Tracking

Our website uses cookies to enhance your browsing experience and remember your preferences. We use both session cookies (which expire when you close your browser) and persistent cookies (which remain until deleted). You can control cookie settings through your browser preferences, though disabling cookies may limit some functionality.

2. How We Use Your Information

flarenquosiva uses your personal information to provide, maintain, and improve our financial education services. We analyze your learning patterns to suggest relevant courses and resources that match your financial goals and experience level.

• Deliver personalized financial education content and course recommendations
• Process your enrollment in courses and track your progress
• Send important updates about your account and new features
• Provide customer support and respond to your inquiries
• Conduct research to improve our platform and develop new features
• Ensure platform security and prevent fraudulent activities

3. Information Sharing and Disclosure

flarenquosiva takes a strict approach to information sharing. We only share your personal information in limited circumstances and with your explicit consent or as required by law.

Service Providers

We work with trusted third-party service providers who assist us in operating our platform. These include payment processors, email service providers, and analytics tools. All service providers are bound by strict confidentiality agreements and are only authorized to use your information for the specific services they provide to us.

Legal Requirements

We may disclose your information if required by law, regulation, or legal process. This includes responding to court orders, government requests, or protecting our rights and the safety of our users. We will make reasonable efforts to notify you of such requests unless prohibited by law.

Business Transfers

In the event of a merger, acquisition, or sale of assets, your personal information may be transferred to the new entity. We will provide notice and ensure that your privacy rights are protected under the same standards outlined in this policy.

4. Your Privacy Rights

Under Australian privacy law and international standards, you have several rights regarding your personal information. flarenquosiva is committed to helping you exercise these rights effectively.

How to Exercise Your Rights

To exercise any of these rights, contact our privacy team at privacy@flarenquosiva.com. Please include your full name, email address, and specify which rights you'd like to exercise. We may need to verify your identity before processing your request. Most requests are processed within 30 days, though complex requests may take longer.

5. Data Security and Protection

Protecting your personal information is our top priority. flarenquosiva implements multiple layers of security to safeguard your data against unauthorized access, disclosure, alteration, or destruction.

Technical Safeguards

We use industry-standard encryption protocols to protect data in transit and at rest. Our servers are hosted in secure data centers with 24/7 monitoring, fire suppression systems, and restricted physical access. All data transmissions are encrypted using TLS 1.3 or higher protocols.

Access Controls

Access to your personal information is restricted to authorized personnel who need it to perform their job functions. All staff members undergo background checks and sign confidentiality agreements. We use multi-factor authentication and regularly review access permissions.

Regular Security Audits

We conduct regular security assessments and penetration testing to identify and address potential vulnerabilities. Our security practices are reviewed annually by independent third-party auditors to ensure compliance with industry standards.

6. Data Retention and Deletion

flarenquosiva retains your personal information only for as long as necessary to fulfill the purposes outlined in this policy. Our retention periods are based on legal requirements, business needs, and your relationship with our platform.

Account Information

We retain your account information for as long as your account remains active. After account closure, we may retain certain information for up to 7 years to comply with financial regulations and legal obligations. You can request earlier deletion of non-essential data.

Learning Data

Course progress and learning analytics are retained for 3 years after account closure to support our educational research and platform improvements. This data is anonymized after 12 months and cannot be linked back to individual users.

Communication Records

Support tickets and communication records are retained for 2 years to ensure quality service and resolve any ongoing issues. After this period, records are automatically deleted from our systems.

7. International Data Transfers

flarenquosiva primarily operates within Australia, but some of our service providers may process data internationally. When we transfer your information outside Australia, we ensure appropriate safeguards are in place to protect your privacy rights.

Transfer Safeguards

All international data transfers are governed by data processing agreements that include standard contractual clauses approved by privacy authorities. We only work with service providers in countries with adequate privacy protections or those that have committed to equivalent privacy standards.

Your Control

If you prefer that your data not be transferred internationally, you can contact us to discuss alternative arrangements. While this may limit some features, we'll work to accommodate your preferences where technically feasible.

8. Children's Privacy

flarenquosiva's services are designed for adults and we do not knowingly collect personal information from children under 18 years of age. If you are under 18, please do not use our services or provide any personal information to us.

If we become aware that we have collected personal information from a child under 18, we will take steps to delete such information immediately. Parents or guardians who believe their child has provided us with personal information should contact us at privacy@flarenquosiva.com.

9. Changes to This Privacy Policy

We may update this privacy policy from time to time to reflect changes in our practices, services, or legal requirements. When we make material changes, we will notify you by email and prominently display a notice on our website.

You will have 30 days to review any changes before they take effect. If you disagree with the updated terms, you can close your account before the changes become effective. Continued use of our services after the effective date constitutes acceptance of the updated policy.

We encourage you to review this privacy policy periodically to stay informed about how we protect your information. The most current version will always be available on our website with the last updated date clearly displayed.