Information We Collect

At penavurisa, we collect information to provide you with quality financial education services. This helps us personalise your learning experience and communicate effectively about our programs.

How We Use Your Information

Your data serves specific purposes related to delivering educational services and maintaining our learning platform. We don't sell your information to third parties or use it for unrelated marketing.

Educational Services

• Enrolling you in financial terminology courses and programs
• Tracking your progress through learning modules
• Providing personalised study recommendations
• Issuing certificates and completion records

Communication & Support

• Responding to your questions about courses and content
• Sending important updates about program schedules
• Notifying you about new course offerings that match your interests
• Providing technical support for platform issues

Platform Improvement

• Analysing how students interact with course materials
• Identifying areas where content can be enhanced
• Testing new features and educational tools
• Ensuring website security and preventing fraud

Data Sharing & Third Parties

We work with trusted partners to deliver our educational services, but we maintain strict controls over how your information is handled. Here's who we share data with and why:

Essential Service Providers

We share limited data with companies that help us operate our platform — payment processors for course fees, email service providers for communications, and hosting services for our website. These partners can only use your data for specific tasks we've authorised.

Legal Requirements

Sometimes we're required to disclose information to comply with Australian privacy laws, court orders, or government investigations. We'll always notify you when legally permitted to do so.

Business Transfers

If penavurisa is acquired or merges with another company, your personal data may be transferred as part of that transaction. You'll receive advance notice about any changes to how your information is handled.

Your Privacy Rights

Under Australian privacy legislation, you have significant control over your personal information. We've made it straightforward to exercise these rights.

How to Exercise Your Rights

Send your request to help@penavurisa.com with "Privacy Request" in the subject line. Include your full name and the email address associated with your account. We'll respond within 30 days and may need to verify your identity before processing certain requests.

For access requests, we'll provide your information in a clear, readable format. For deletion requests, we'll remove your data from active systems while retaining minimal records as required by law.

Data Security & Protection

We take data security seriously and use multiple layers of protection to safeguard your information from unauthorised access, theft, or misuse.

Technical Safeguards

• SSL encryption for all data transmitted to and from our website
• Regular security audits and vulnerability assessments
• Access controls limiting staff access to necessary information only
• Secure backup systems with encryption at rest
• Multi-factor authentication for administrative accounts

Physical & Administrative Security

Our servers are housed in secure data centres with restricted access. Staff receive privacy training and sign confidentiality agreements. We maintain incident response procedures and will notify you of any breaches that might affect your personal information.

While we implement strong security measures, no system is completely immune to threats. We recommend you use strong, unique passwords and keep your account information confidential.

Data Retention & Deletion

We keep your information only as long as necessary to provide educational services and meet our legal obligations.

Active Students

While you're enrolled in courses or actively using our platform, we retain your full profile and learning records. This allows us to track your progress and provide ongoing support.

Former Students

After course completion, we keep academic records for seven years to verify certificates and provide transcripts. Marketing preferences and detailed usage data are deleted after two years of account inactivity.

Automatic Deletion

Contact information for unsubscribed email recipients is removed after 12 months. Website analytics data is anonymised after 24 months. Payment information is retained only as long as required for tax and accounting purposes.

Cookies & Website Tracking

Our website uses cookies and similar technologies to improve your experience and understand how our platform is used.

Essential Cookies

These cookies are necessary for basic website functionality — remembering your login status, maintaining your course progress, and ensuring security features work properly. You can't disable these without affecting how the site operates.

Analytics & Performance

We use Google Analytics and similar tools to understand which pages are most popular, identify technical issues, and improve our content. This data is aggregated and doesn't identify individual users.

Managing Cookie Preferences

You can control non-essential cookies through your browser settings. Most browsers allow you to block or delete cookies, though this might affect some website features. We don't use cookies for advertising or tracking across other websites.

International Data Transfers

penavurisa primarily stores data within Australia, but some of our service providers operate internationally. When we transfer your information overseas, we ensure appropriate protection measures are in place.

Our email service provider operates servers in the United States under Privacy Shield certification. Payment processing may involve temporary data transfer to secure facilities in Singapore and Ireland. All international transfers comply with Australian Privacy Principles and include contractual safeguards.

We regularly review our vendors' security practices and data handling procedures to ensure your information receives consistent protection regardless of where it's processed.

Children's Privacy

Our financial education courses are designed for adults and we don't knowingly collect personal information from children under 13. If you're under 18, please have a parent or guardian review this policy before registering for courses.

If we discover that we've accidentally collected information from a child under 13, we'll delete it immediately. Parents concerned about their child's information can contact us at help@penavurisa.com.

Policy Updates

We review and update this privacy policy annually or when significant changes occur to our data practices. Updates will be posted on this page with the revision date clearly marked.

For major changes that affect how we use your personal information, we'll notify you by email at least 30 days in advance. Continued use of our services after updates take effect indicates acceptance of the revised policy.

This policy was last updated on March 15, 2025. Previous versions are available upon request for reference purposes.