Information We Collect

Personal Information

When you register with zenorivalque or use our budget foundations platform, we collect personal information that helps us provide tailored financial education. This includes your name, email address, phone number, and postal address. We also gather demographic information such as age range and employment status to better understand our learners' backgrounds.

Financial Learning Data

As you progress through our budget foundations courses, we track your learning patterns, quiz results, module completion rates, and areas where you seek additional help. This data helps us improve our educational content and provide personalized recommendations for your financial learning journey.

Technical Information

Our systems automatically collect technical data including your IP address, browser type, device information, operating system, and website usage patterns. We use cookies and similar technologies to enhance your experience and remember your preferences across sessions.

How We Use Your Information

• Delivering our budget foundations educational content and tracking your progress through courses
• Personalizing your learning experience based on your goals and current financial knowledge level
• Communicating important updates about your courses, new educational resources, and platform improvements
• Providing technical support and responding to your inquiries about our services
• Analyzing usage patterns to improve our educational content and platform functionality
• Ensuring platform security and preventing fraudulent activities
• Complying with legal obligations under Australian privacy laws and financial education regulations

Data Sharing and Third Parties

zenorivalque maintains strict control over your personal information. We never sell your data to third parties or share it for marketing purposes outside our educational mission. However, we do work with trusted service providers who help us operate our platform effectively.

We may disclose your information if required by Australian law, court orders, or to protect our rights and the safety of our users. In such cases, we'll notify you unless legally prohibited from doing so.

Your Privacy Rights

Under Australian Privacy Principles and the Privacy Act 1988, you have significant control over your personal information. We've designed our systems to make exercising these rights straightforward and efficient.

To exercise any of these rights, contact our privacy team using the details provided at the bottom of this policy. We typically respond to requests within 14 days and complete most actions within 30 days.

Data Retention and Deletion

We retain your information only as long as necessary to provide our educational services and meet legal obligations. Different types of data have varying retention periods based on their purpose and regulatory requirements.

International Data Transfers

zenorivalque primarily stores and processes your data within Australia using local service providers. When we do use international services—such as cloud backup systems or specialized educational tools—we ensure these transfers comply with Australian privacy laws.

Any overseas data processing is subject to contractual safeguards that require the same level of protection as provided under Australian law. We regularly review these arrangements and can provide specific details about current international partners upon request.

Cookies and Tracking Technologies

Our platform uses cookies to enhance your learning experience and remember your preferences. Essential cookies enable basic functionality like keeping you logged in and tracking course progress. These cannot be disabled without affecting platform operation.

Analytics cookies help us understand how learners use our platform, which sections are most helpful, and where students encounter difficulties. This information guides our content development and platform improvements.

You can control optional cookies through your browser settings or our preference center. However, disabling certain cookies may limit some features of your learning experience.

Updates to This Policy

We review and update this privacy policy annually or when significant changes occur to our data practices. When updates are made, we'll notify active users via email and update the effective date at the top of this document.

Significant changes that affect how we use your information will include a more detailed explanation and, where required by law, your explicit consent to continue using our services under the new terms.