Privacy Policy

Information We Collect

When you visit our website or engage with our educational programs, we collect several types of information to provide better learning experiences and maintain our operations.

Personal Information You Provide

We collect data you give us directly when you create an account, register for programs, or contact us:

• Full name and contact details including email address and phone number
• Professional background such as current role, company, and years of experience
• Educational history and qualifications relevant to finance training
• Payment information processed through secure third-party providers
• Communication preferences and feedback about our programs

Automatically Collected Information

Our systems automatically gather technical data when you access our platform:

• Device information including IP address, browser type, and operating system
• Usage patterns such as pages visited, time spent on content, and navigation paths
• Learning progress and assessment results within our courses
• Cookies and similar tracking technologies for functionality and analytics

How We Use Your Information

Your data serves specific purposes that directly support your learning journey and our ability to deliver quality education. We don't use your information for unrelated commercial purposes.

We base our processing on several legal grounds recognized under the Privacy Act 1988, including your consent, contractual necessity, and our legitimate interests in operating an educational business.

Data Sharing and Disclosure

We don't sell your personal information. However, we work with trusted partners who help us deliver our services effectively.

Service Providers

We share data with carefully selected third parties who process information on our behalf:

• Cloud hosting providers storing course content and user data within Australian servers
• Payment processors handling transactions securely through encrypted channels
• Email service providers delivering course communications and updates
• Analytics platforms helping us understand how learners interact with content

Legal Requirements

Sometimes we're required to disclose information to comply with Australian law, respond to valid legal processes, or protect the rights and safety of our organization and users. This might include sharing data with regulatory bodies, law enforcement, or courts when legally obligated.

Your Privacy Rights

Australian privacy law gives you significant control over your personal information. You can exercise these rights at any time by contacting our privacy team.

To exercise any of these rights, send a detailed request to our privacy officer at support@yzexoslova.com. We'll respond within 30 days and verify your identity before processing your request.

Data Security Measures

Protecting your information is a priority. We've implemented technical and organizational safeguards to prevent unauthorized access, disclosure, or loss of your data.

Technical Protections

• End-to-end encryption for data transmission using industry-standard TLS protocols
• Encrypted storage of sensitive information including payment details and passwords
• Regular security audits and penetration testing by independent experts
• Multi-factor authentication options for enhanced account security
• Automated backup systems with secure off-site storage

Organizational Measures

• Strict access controls limiting who can view your personal information
• Regular staff training on data protection and privacy best practices
• Confidentiality agreements with all employees and contractors
• Incident response procedures for potential security breaches

While we maintain robust security practices, no system is completely impervious to threats. We encourage you to protect your account credentials and notify us immediately if you suspect any unauthorized access.

Data Retention and Deletion

We keep your personal information only as long as necessary to fulfill the purposes outlined in this policy or as required by Australian law.

Retention Periods

• Active student records: Duration of enrollment plus seven years for academic records
• Financial transactions: Seven years from completion to meet taxation requirements
• Marketing communications: Until you unsubscribe or request deletion
• Website analytics: Aggregated data retained indefinitely; individual data for 26 months
• Support correspondence: Three years from last interaction unless ongoing issues exist

After the retention period expires, we securely delete or anonymize your information so it can no longer identify you. Some data may be retained in backup systems for up to 90 additional days before permanent removal.

Account Closure

If you close your account, we'll delete or anonymize your personal information within 60 days, except where we're legally required to maintain records. Course completion certificates and academic transcripts will be retained indefinitely to verify your credentials.

International Data Transfers

We primarily store and process data within Australia using local servers. However, some of our service providers operate internationally, which may involve transferring your information outside Australia.

When we transfer data internationally, we ensure appropriate safeguards are in place:

• Using providers in countries recognized as having adequate privacy protections
• Implementing standard contractual clauses approved by Australian regulators
• Conducting due diligence on the privacy practices of international partners
• Ensuring compliance with Australian Privacy Principles regardless of data location

You can request specific information about where your data is stored and the safeguards applied by contacting our privacy team.

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to provide functionality and understand how visitors interact with our content.

Types of Cookies We Use

• Essential cookies: Required for basic website functionality like login and navigation
• Performance cookies: Help us analyze site usage and identify areas for improvement
• Functional cookies: Remember your preferences and personalize your experience
• Analytics cookies: Provide insights into content engagement and learning patterns

You can control cookies through your browser settings, though disabling certain cookies may limit your ability to use some features. Most browsers allow you to view, delete, and block cookies according to your preferences.

Children's Privacy

Our programs target finance professionals and aren't designed for individuals under 18. We don't knowingly collect personal information from children. If you believe a child has provided us with personal data, contact us immediately so we can delete the information.

Changes to This Policy

We update this privacy policy periodically to reflect changes in our practices, technology, or legal requirements. When we make significant changes, we'll notify you via email and display a prominent notice on our website.

The date at the top of this document indicates when we last revised the policy. We encourage you to review this page regularly to stay informed about how we protect your information.

Continuing to use our services after changes take effect means you accept the updated policy. If you disagree with modifications, you can close your account and request deletion of your data.