Privacy Policy
Last Updated: January 2025
At zovarikento, we take your privacy seriously. This policy explains how we collect, use, and protect your personal information when you interact with our financial education platform.
We're committed to transparency. This isn't one of those policies written in dense legal language that nobody reads. We've tried to make this straightforward because you deserve to know exactly what happens with your data.
This policy complies with the Australian Privacy Principles under the Privacy Act 1988 (Cth) and applies to all Australian residents using our services.
Information We Collect
When you use zovarikento's platform, we collect different types of information depending on how you interact with us. Here's what we gather and why:
Personal Details You Give Us
When you register for courses or contact us, we collect:
- Your full name and email address
- Phone number (if you choose to provide it)
- Billing address for payment processing
- Course preferences and learning goals
- Any information you include in messages to us
Technical Information
Like most websites, we automatically collect certain technical data:
- IP address and browser type
- Device information and operating system
- Pages you visit and time spent on them
- Referring website or search terms used
- Course progress and interaction patterns
Financial Learning Data
To personalize your educational experience, we track:
- Course completion rates and quiz results
- Topics you engage with most frequently
- Resources you download or bookmark
- Questions you ask in course forums
Important: We don't collect or store your actual banking information, investment account details, or sensitive financial data. Our platform is purely educational.
How We Use Your Information
We're not in the business of selling data. Everything we collect serves specific purposes related to improving your learning experience.
Course Delivery and Support
Your personal information helps us provide the service you signed up for. We use it to send course materials, track your progress, issue completion certificates, and respond when you need help.
Communication
We'll send you emails about course updates, new learning materials, and important policy changes. You can opt out of marketing emails anytime, but we'll still need to send essential service messages about courses you're enrolled in.
Platform Improvements
Technical data helps us understand what's working and what isn't. If everyone abandons a particular lesson halfway through, that tells us something needs fixing. We analyze patterns to make the platform better for everyone.
Legal Compliance
Sometimes Australian law requires us to keep records or provide information to authorities. We only do this when legally obligated.
| Purpose | Data Used | Legal Basis |
|---|---|---|
| Course enrollment | Name, email, payment details | Contract performance |
| Platform analytics | Usage patterns, technical data | Legitimate interest |
| Marketing communications | Email, preferences | Consent (opt-out available) |
| Customer support | Contact details, issue history | Contract performance |
Data Storage and Security
Your information is stored on secure servers located in Australia. We use industry-standard encryption and security measures, but let's be honest – no system is completely invulnerable.
How We Protect Your Data
- SSL encryption for all data transmission
- Regular security audits and vulnerability assessments
- Access controls limiting who can view your information
- Secure backup systems with encrypted storage
- Employee training on data protection practices
Data Retention Periods
We keep your information for as long as you maintain an active account. After you close your account, we retain certain data for seven years to comply with Australian financial record-keeping requirements. Learning progress data is anonymized after account closure.
If there's a data breach affecting your information, we'll notify you within 72 hours as required by Australian privacy law. We'll explain what happened and what steps we're taking.
Third-Party Services
We work with several trusted partners to deliver our services. These companies only access the minimum data necessary to perform their specific functions.
Service Providers We Use
- Payment processors: Handle transactions securely (we never see your full card details)
- Email services: Deliver course materials and communications
- Analytics tools: Help us understand how people use the platform
- Cloud hosting: Store platform data and course content
- Customer support software: Manage help requests and inquiries
All these partners are bound by strict confidentiality agreements and must comply with Australian privacy standards. We don't share your data with advertisers or data brokers.
International Data Transfers
Some of our service providers operate servers outside Australia. When data is transferred internationally, we ensure appropriate safeguards are in place through standard contractual clauses and privacy shield frameworks.
Your Privacy Rights
Australian privacy law gives you significant control over your personal information. Here's what you can do:
Access Your Data
Request a copy of all personal information we hold about you. We'll provide this within 30 days in a readable format.
Correct Inaccuracies
Update or fix any incorrect information in your account. Most details can be changed directly in your profile settings.
Delete Your Account
Request complete deletion of your account and associated data. Some records may be retained for legal compliance.
Export Your Data
Download your course progress, certificates, and learning history in a portable format.
Opt Out of Marketing
Unsubscribe from promotional emails while continuing to receive essential course communications.
Restrict Processing
Limit how we use your data in certain circumstances while maintaining your account.
How to Exercise Your Rights
Send your request to contact@zovarikento.com with "Privacy Request" in the subject line. Include your full name and email address associated with your account. We'll respond within 14 days and fulfill most requests within 30 days.
If you're not satisfied with our response, you have the right to lodge a complaint with the Office of the Australian Information Commissioner (OAIC).
Cookies and Tracking
We use cookies to keep you logged in and remember your preferences. You can control cookie settings through your browser, though disabling them may affect platform functionality.
Types of Cookies We Use
- Essential cookies: Required for basic platform operation and security
- Preference cookies: Remember your settings and customization choices
- Analytics cookies: Help us understand usage patterns (can be disabled)
- Session cookies: Temporary storage that expires when you close your browser
We don't use advertising cookies or track you across other websites. Our analytics are focused solely on improving the learning experience within our platform.
Children's Privacy
zovarikento's courses are designed for adults. We don't knowingly collect information from anyone under 18 years old without parental consent.
If a parent or guardian discovers their child has provided us with personal information without permission, please contact us immediately. We'll delete that information from our systems within 48 hours.
Changes to This Policy
We update this privacy policy occasionally to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you by email and display a notice on the platform.
The "Last Updated" date at the top shows when changes were last made. Continued use of our services after policy updates constitutes acceptance of those changes.
Previous versions of this policy are available upon request if you want to see what's changed over time.
Questions or Concerns?
If something in this policy isn't clear, or you have questions about how we handle your data, we're here to help.