Introduction

ferivonique ("we," "us," or "our") respects your privacy. This policy explains what personal information we gather when you visit ferivonique.com or use our financial education services, and how we handle that information.

We're based in Australia and comply with the Privacy Act 1988 (Cth), including the Australian Privacy Principles (APPs). If you're accessing our services from outside Australia, your information may be transferred here and processed under Australian law.

By using our website or services, you're agreeing to the practices described in this policy. If something doesn't sit right with you, please reach out before continuing to use our platform.

Information We Collect

Personal Information You Provide

When you register for courses, contact us, or subscribe to our newsletter, we collect information like:

• Full name and contact details (email, phone number)
• Billing address and payment information
• Educational background and professional interests
• Course preferences and learning goals
• Communications you send to us

Information Collected Automatically

Our systems automatically log certain data when you visit:

• IP address and general location data
• Browser type and operating system
• Pages viewed and time spent on our site
• Referring website or search terms used
• Device identifiers and mobile network information

We use cookies and similar technologies to remember your preferences and understand how you interact with our platform. You can control cookie settings through your browser, though some features might not work properly if you disable them.

How We Use Your Information

We collect this information for specific, practical reasons:

Sharing and Disclosure

There are limited situations where we share your information with others:

Service Providers

We work with third-party companies that help us run our platform. These include payment processors, email service providers, hosting companies, and analytics tools. They only access information necessary to perform their specific functions and are contractually bound to protect your data.

Business Transfers

If ferivonique is acquired by or merged with another company, your information might be transferred as part of that transaction. We'd notify you before any such transfer and give you options about how your data is handled going forward.

Legal Requirements

We'll disclose information when required by Australian law, court order, or government request. We may also share information to prevent fraud, protect our legal rights, or ensure the safety of our users and the public.

Your Rights and Choices

Under Australian privacy law, you have several rights regarding your personal information:

To exercise any of these rights, contact us at info@ferivonique.com or call +61481877733. We'll respond promptly and verify your identity before processing your request.

Data Security

We take protecting your information seriously. Our security measures include:

• Encryption of data in transit using TLS/SSL protocols
• Secure storage with encrypted databases and regular backups
• Access controls limiting who can view personal information internally
• Regular security audits and vulnerability assessments
• Employee training on data protection and privacy practices

That said, no online system is 100% secure. We do our best to protect your data, but we can't guarantee absolute security. You're responsible for keeping your account credentials confidential and notifying us immediately if you suspect unauthorized access.

Data Retention

We keep your personal information only as long as necessary for the purposes described in this policy. Here's what that means in practice:

• Account Information: Retained while your account is active, plus 7 years after closure for financial record-keeping requirements
• Course Records: Kept for 7 years to provide certificates and transcripts upon request
• Payment Data: Stored for 7 years to comply with Australian tax and accounting regulations
• Marketing Data: Removed within 60 days after you unsubscribe
• Analytics Data: Anonymized after 24 months and retained for statistical purposes

When we no longer need your information, we securely delete or anonymize it so it can't be linked back to you.

International Data Transfers

Our servers are located in Australia, but some of our service providers operate in other countries, including the United States and the European Union. When we transfer your information overseas, we ensure appropriate safeguards are in place through:

• Standard contractual clauses approved by relevant authorities
• Data processing agreements with strict security requirements
• Regular audits of international partners' privacy practices

These transfers are necessary to provide our services efficiently. By using our platform, you acknowledge that your information may be processed in countries with different privacy laws than Australia.

Children's Privacy

Our services aren't designed for anyone under 18. We don't knowingly collect personal information from minors. If you're a parent or guardian and believe your child has provided us with personal data, please contact us immediately so we can delete it.

For users aged 16-17, we require parental consent before enrolment in certain programs. We'll contact parents directly to obtain necessary permissions.

Third-Party Links

Our website occasionally links to external sites we think might be useful. We're not responsible for the privacy practices of those sites. When you click away from ferivonique.com, you're subject to the privacy policy of whatever site you've landed on. It's worth reading their policies before sharing any personal information.

Changes to This Policy

We update this privacy policy from time to time as our practices evolve or legal requirements change. When we make significant changes, we'll notify you by email or through a prominent notice on our website at least 30 days before the changes take effect.

The "Last Updated" date at the top of this page shows when the most recent changes were made. We encourage you to review this policy periodically to stay informed about how we're protecting your information.

Complaints and Dispute Resolution

If you have concerns about how we've handled your personal information, please contact us first. We'll investigate and respond to your complaint within 30 days.

If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC):