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halorivonexa

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30 Kenny St, Wollongong NSW 2500, Australia
+61 2 6766 7160
support@halorivonexa.com

Privacy Policy

Last Updated: January 15, 2025

At halorivonexa, 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 committed to transparency because trust matters when you're learning about money.

This policy applies to anyone who visits our website, enrolls in our programs, or contacts us about our services. By using halorivonexa, you agree to the practices described here.

Information We Collect

We collect different types of information depending on how you use our services. Here's what we gather and why:

Personal Information You Provide

When you sign up for our programs or contact us, you might share:

  • Your name, email address, and phone number
  • Mailing address (30 Kenny St, Wollongong NSW 2500 is our location, not yours)
  • Payment details for course enrollment
  • Educational background and learning goals
  • Communication preferences

Automatically Collected Data

Our website collects technical information to improve your experience:

  • IP address and browser type
  • Pages you visit and time spent on them
  • Device information and screen size
  • Referring websites and search terms
  • General location data (city and region, not precise coordinates)

Learning Activity Information

If you're enrolled in our programs, we track your progress to support your learning:

  • Course completion status
  • Quiz and assessment results
  • Participation in discussions
  • Resources you've accessed
  • Questions submitted to instructors

How We Use Your Information

Your data helps us deliver better education and support. We use it for specific, practical purposes:

Purpose What This Means
Service Delivery Processing enrollments, providing course access, sending materials, and managing your account
Communication Sending course updates, responding to inquiries, and sharing relevant program information
Improvement Analyzing how people use our site to fix problems and create better learning experiences
Personalization Recommending courses based on your interests and tailoring content to your learning pace
Legal Compliance Meeting Australian financial education regulations and protecting against fraud

Important: We never sell your personal information to third parties. Your data isn't a product we trade.

Information Sharing and Disclosure

We share your information only when necessary and with trusted partners who help us operate:

Service Providers

We work with companies that support our operations. They can only use your data for specific tasks:

  • Payment processors for handling transactions securely
  • Email service providers for sending course communications
  • Cloud hosting services that store our learning platform
  • Analytics tools that help us understand website usage

All these partners sign agreements requiring them to protect your information and use it only for agreed purposes.

Legal Requirements

Sometimes Australian law requires us to share information with authorities. This happens rarely, such as:

  • Responding to valid court orders or subpoenas
  • Cooperating with fraud investigations
  • Protecting someone's safety in urgent situations
  • Complying with tax and financial reporting obligations

Business Transfers

If halorivonexa merges with another company or gets acquired, your information would transfer as part of that process. We'd notify you beforehand and explain any changes to how your data gets handled.

Your Privacy Rights Under Australian Law

The Australian Privacy Act gives you specific rights over your personal information. Here's what you can do and how to exercise these rights:

Access Your Data

Request a copy of all personal information we hold about you. We'll provide it within 30 days in a readable format.

Correct Inaccuracies

Ask us to fix any wrong or outdated information in your account. We update it promptly once verified.

Request Deletion

Have your account and associated data removed from our systems, subject to legal retention requirements.

Opt Out of Marketing

Unsubscribe from promotional emails anytime using the link at the bottom of our messages.

Data Portability

Receive your information in a common format to transfer to another service if needed.

Lodge a Complaint

Contact the Office of the Australian Information Commissioner if you're unhappy with how we handle your data.

To exercise any of these rights, email us at support@halorivonexa.com with "Privacy Request" in the subject line. We'll respond within 5 business days and complete most requests within 30 days.

Data Security Measures

Protecting your information isn't just a checkbox for us. We've built multiple layers of security into our systems:

Encryption

All data transmitted between your device and our servers uses TLS 1.3 encryption

Access Controls

Staff can only access information necessary for their specific roles

Regular Audits

Quarterly security reviews identify and fix potential vulnerabilities

Secure Storage

Australian-based servers with physical security and redundant backups

Password Protection

Your passwords are hashed using industry-standard algorithms

Monitoring

24/7 systems detect and respond to suspicious activity

No system is completely immune to breaches, but we take reasonable steps to minimize risks. If a security incident affects your data, we'll notify you within 72 hours and explain what happened and what we're doing about it.

Data Retention Periods

We don't keep your information forever. Different types of data have different retention schedules based on legal requirements and practical needs:

  • Active Account Data: Maintained while your account remains open and for 2 years after your last login
  • Course Records: Kept for 7 years after program completion to verify credentials and maintain transcripts
  • Financial Records: Retained for 7 years as required by Australian tax law
  • Marketing Communications: Deleted immediately when you unsubscribe, with suppression list maintained to prevent re-adding
  • Website Analytics: Aggregated and anonymized after 26 months, with raw data deleted
  • Support Correspondence: Archived for 3 years to maintain service quality and reference history

After these periods expire, we securely delete or anonymize your information. Some data might remain in backup systems for up to 90 additional days before permanent deletion.

Cookies and Tracking Technologies

Our website uses cookies to remember your preferences and understand how people use our site. Here's what gets stored on your device:

Essential Cookies

These make the site work properly and include:

  • Session identifiers that keep you logged in
  • Security tokens that prevent unauthorized access
  • Load balancing cookies that distribute traffic efficiently

Analytics Cookies

We use these to improve our website:

  • Page view counters to identify popular content
  • Navigation tracking to find confusing areas
  • Error logging to fix technical problems

Preference Cookies

These remember your choices:

  • Language and display settings
  • Previously viewed courses
  • Notification preferences

You can control cookies through your browser settings. Blocking all cookies might affect how the site functions, but you'll still be able to access most content.

International Data Transfers

We primarily store data in Australia, but some service providers operate internationally. When your information leaves Australia, we ensure it receives equivalent protection through:

  • Standard contractual clauses approved by Australian authorities
  • Verification that the receiving country has adequate privacy laws
  • Additional encryption for data stored outside Australia
  • Regular audits of international partners' security practices

If you have concerns about international transfers, contact us to discuss alternative arrangements for your specific situation.

Children's Privacy

Our programs are designed for adults. We don't knowingly collect information from anyone under 18 without parental consent. If you're a parent and believe your child has provided us information, contact us immediately and we'll delete it.

For programs that might interest younger learners, we require verifiable parental consent before enrollment and limit data collection to what's strictly necessary for education.

Changes to This Policy

We update this policy occasionally to reflect new practices or legal requirements. When changes are significant, we'll notify you by email and display a notice on our website for 30 days.

Minor updates like clarifying existing practices or fixing typos happen without notification. The "Last Updated" date at the top shows when we last modified this document.

Continued use of our services after changes means you accept the updated terms. If you disagree with modifications, you can close your account before they take effect.

Contact Us About Privacy

Questions about how we handle your information? We're here to help. Reach out through any of these channels:

Email: support@halorivonexa.com (Privacy inquiries typically answered within 2 business days)
Phone: +61267667160 (Monday-Friday, 9am-5pm AEDT)
Mail: halorivonexa Privacy Officer, 30 Kenny St, Wollongong NSW 2500, Australia

For formal complaints or concerns about our privacy practices, you can also contact the Office of the Australian Information Commissioner at oaic.gov.au

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halorivonexa

We're committed to helping people develop practical money management skills through accessible education. Our programs focus on real-world financial situations you'll actually encounter.

30 Kenny St, Wollongong NSW 2500, Australia
+61 2 6766 7160
support@halorivonexa.com

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