Information We Collect

When you use our finance awareness programs, we collect information that helps us provide better educational resources. This isn't about surveillance—it's about making sure our content actually helps you understand your finances better.

Personal Information You Provide

• Your name and email address when you register for webinars or learning programs
• Phone number if you choose to provide it for program reminders
• Financial knowledge level and learning goals to tailor content recommendations
• Feedback and questions you submit through our contact forms

Automatically Collected Data

Like most websites, we collect technical information about how you interact with our platform. This includes your IP address, browser type, pages visited, and time spent on different resources. We use this data to identify which topics people find most helpful and where we need to improve our educational materials.

How We Use Your Information

Here's what actually happens with your data. We're not selling it to third parties or using it for anything sketchy.

Your Rights Under Australian Privacy Law

The Australian Privacy Act 1988 and the Australian Privacy Principles (APPs) give you specific rights regarding your personal information. We comply fully with these regulations, and we're happy to help you exercise these rights.

• Access: Request a copy of all personal information we hold about you. We'll provide this within 30 days at no charge.
• Correction: Ask us to update or correct any inaccurate information in our systems.
• Deletion: Request deletion of your account and associated data. Some records may be retained for legal compliance purposes.
• Portability: Receive your data in a structured, commonly used format that you can transfer to another service.
• Objection: Object to processing of your data for specific purposes, including direct marketing communications.

To exercise any of these rights, contact us at support@picuceraurvia.com with your request. We'll verify your identity and respond within the timeframes required by Australian law.

Data Security and Storage

We take data protection seriously because financial education involves discussing sensitive topics. Your information is stored on secure servers located in Australia, and we use industry-standard encryption for data transmission.

Security Measures

• All data transmissions are encrypted using TLS 1.3 protocol
• Personal information is stored in encrypted databases with restricted access
• Regular security audits and vulnerability assessments
• Multi-factor authentication for staff accessing sensitive systems
• Automatic logout after periods of inactivity on your account

Despite our best efforts, no system is completely secure. If we detect a data breach that affects your information, we'll notify you within 72 hours as required by the Notifiable Data Breaches scheme under Australian privacy law.

Data Retention and Deletion

We don't keep your data forever. Here's how long we retain different types of information and why.

Retention Periods

Account information and learning progress are retained while your account is active and for 3 years after your last interaction with our platform. This allows you to return to programs without losing progress.

Communication records (emails, support tickets) are kept for 7 years to comply with Australian business record-keeping requirements. Technical logs and analytics data are retained for 18 months before automatic deletion.

Sharing and Third Parties

We don't sell your information to anyone. Period. But we do work with some third-party services to deliver our educational programs effectively.

Service Providers

We use email service providers to deliver program materials, video hosting platforms for webinar recordings, and analytics tools to understand how people use our resources. These providers are bound by data processing agreements that limit how they can use your information.

Legal Requirements

We may disclose information if required by Australian law, court order, or government regulation. We'll notify you of such requests unless legally prohibited from doing so.

If picuceraurvia is acquired or merges with another organization, your information would transfer to the new entity. We'd notify you beforehand and explain any changes to how your data is handled.

Cookies and Tracking Technologies

We use cookies to remember your preferences and understand how people navigate our educational content. Most are essential for the site to function properly—like remembering you're logged in—but some help us improve the learning experience.

• Essential cookies: Required for login, security, and basic site functionality. These can't be disabled.
• Analytics cookies: Help us understand which topics are most popular and where people get stuck in learning materials.
• Preference cookies: Remember your settings like text size and notification preferences.

You can control cookie preferences through your browser settings. Disabling certain cookies may affect site functionality, but you'll still be able to access most educational content.

Children's Privacy

Our programs are designed for adults aged 18 and over. We don't knowingly collect information from anyone under 18. If you're a parent or guardian and believe your child has provided us with personal information, contact us immediately and we'll delete it.

Changes to This Policy

We update this policy occasionally as our programs evolve or privacy regulations change. When we make significant changes, we'll notify active users via email at least 30 days before the changes take effect.

You can always find the current version on our website with the last updated date at the top. Continuing to use our services after changes take effect means you accept the updated policy.

Making a Complaint

If you're concerned about how we've handled your personal information, we want to hear about it. Contact our privacy officer at support@picuceraurvia.com with details of your concern.

We'll investigate and respond 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) at oaic.gov.au or by calling 1300 363 992.