Privacy Policy
Last Updated: March 2025
At osperanqilo, 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 and compliance with Australian privacy laws, including the Privacy Act 1988 and Australian Privacy Principles.
Information We Collect
When you use our services, we collect different types of information to provide you with quality financial education and support your entrepreneurial development.
Information You Provide Directly
- Contact details including your name, email address, phone number, and postal address
- Account information when you register for our learning programs
- Payment details processed through secure third-party payment processors
- Communication content when you contact our support team
- Program preferences and educational background to tailor your learning experience
Information Collected Automatically
- Device information such as IP address, browser type, and operating system
- Usage data including pages visited, time spent on our platform, and navigation patterns
- Cookies and similar tracking technologies to improve site functionality
- Learning progress and engagement metrics to help optimize your educational journey
How We Use Your Information
We use the information we collect for specific purposes that directly benefit your experience with our financial education services.
| Purpose | Description |
|---|---|
| Service Delivery | Providing access to educational content, tracking your progress, and delivering program materials |
| Communication | Sending course updates, responding to inquiries, and providing customer support |
| Platform Improvement | Analyzing usage patterns to enhance our educational offerings and user experience |
| Legal Compliance | Meeting Australian regulatory requirements and protecting our legal rights |
| Payment Processing | Managing transactions and maintaining accurate financial records |
We never sell your personal information to third parties. Your data is used solely to support your educational journey and improve our services.
Data Storage and Security
Your information is stored on secure servers located in Australia and protected through multiple layers of security measures.
Security Measures We Implement
- Encryption of data both in transit and at rest using industry-standard protocols
- Regular security audits and vulnerability assessments
- Restricted access to personal information on a need-to-know basis
- Secure authentication processes for all user accounts
- Regular backup procedures to prevent data loss
- Employee training on privacy and data protection practices
While we take significant steps to protect your information, no system is completely secure. We encourage you to use strong passwords and keep your login credentials confidential.
Sharing Your Information
We share your information only in specific circumstances and with trusted partners who help us deliver our services.
Third-Party Service Providers
We work with carefully selected service providers who assist with:
- Payment processing and financial transaction management
- Email delivery and communication services
- Platform hosting and technical infrastructure
- Analytics and performance monitoring
- Customer support tools and ticketing systems
These providers are contractually obligated to protect your information and can only use it for the specific services they provide to us.
Legal Requirements
We may disclose your information when required by Australian law, court orders, or government requests. We'll notify you of such requests unless legally prohibited from doing so.
Your Privacy Rights
Under Australian privacy law, you have several rights regarding your personal information. We respect these rights and provide straightforward ways to exercise them.
Access Your Data
Request a copy of the personal information we hold about you at any time.
Correct Information
Update or correct any inaccurate or incomplete information in your account.
Delete Your Data
Request deletion of your personal information, subject to legal retention requirements.
Data Portability
Receive your data in a structured, commonly used format for transfer to another service.
Withdraw Consent
Opt out of marketing communications or withdraw consent for specific data uses.
Lodge a Complaint
File a complaint with us or the Office of the Australian Information Commissioner.
How to Exercise Your Rights
To exercise any of these rights, contact us using the details at the bottom of this page. We'll respond to your request within 30 days. In some cases, we may need to verify your identity before processing your request.
Data Retention
We keep your information only as long as necessary to fulfill the purposes outlined in this policy.
Retention Periods
- Active account information: Retained while your account is active and for 2 years after account closure
- Financial records: Kept for 7 years to comply with Australian taxation and accounting requirements
- Marketing communications: Stored until you unsubscribe or request deletion
- Support communications: Maintained for 3 years for quality assurance and reference purposes
- Usage data and analytics: Aggregated and anonymized after 18 months
When we no longer need your information, we securely delete or anonymize it according to industry best practices.
Cookies and Tracking
Our website uses cookies and similar technologies to improve your experience and understand how you interact with our platform.
Types of Cookies We Use
- Essential Cookies: Required for basic site functionality and security
- Performance Cookies: Help us understand how visitors use our site
- Functional Cookies: Remember your preferences and personalize your experience
- Analytics Cookies: Track usage patterns to improve our educational content
You can control cookie preferences through your browser settings. Keep in mind that disabling certain cookies may affect site functionality.
Children's Privacy
Our services are designed for adults pursuing financial education and entrepreneurial development. We don't knowingly collect information from individuals under 18 years of age.
If you're under 18 and interested in our programs, please have a parent or guardian contact us to discuss appropriate options. If we discover we've collected information from someone under 18 without proper consent, we'll delete it promptly.
Changes to This Policy
We review and update this privacy policy periodically to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you through:
- Email notification to your registered address
- Prominent notice on our website
- In-platform notifications when you log in
The "Last Updated" date at the top of this policy shows when it was most recently revised. Continuing to use our services after changes take effect means you accept the updated policy.
Questions About Privacy?
If you have questions about this policy or how we handle your information, we're here to help. Our team is committed to addressing your privacy concerns promptly and transparently.