Privacy Policy

Information We Collect

When you use our services, we collect different types of information to provide you with quality financial education and support.

Information You Provide Directly

This includes data you give us when registering, contacting us, or participating in our programs:

• Contact details: Your name, email address, phone number, and postal address
• Account information: Username, password, and profile preferences
• Educational background: Current financial knowledge level and learning goals
• Payment information: Billing details for course enrollment (processed securely through third-party providers)
• Communication content: Messages you send us through contact forms or email

Information Collected Automatically

When you visit our website or use our services, we automatically gather certain technical information:

• Device data: Browser type, operating system, and device identifiers
• Usage patterns: Pages visited, time spent on site, and navigation paths
• Location data: General geographic location based on IP address
• Performance metrics: Loading times and technical errors encountered

Data Type	Purpose	Retention Period
Account Information	Service delivery and user authentication	Duration of account plus 2 years
Learning Progress	Track educational advancement and personalize content	Duration of enrollment plus 5 years
Payment Records	Transaction processing and financial compliance	7 years (legal requirement)
Communication Logs	Customer support and service improvement	3 years from last interaction
Website Analytics	Service optimization and user experience enhancement	26 months (anonymized after 14 months)

How We Use Your Information

We use your data to deliver educational services and improve your learning experience. Here's specifically what we do:

Service Delivery

Your information helps us provide the budget education you've enrolled in. We use it to grant access to course materials, track your progress through learning modules, send you relevant educational resources, and provide personalized feedback on your financial planning exercises.

Communication

We'll reach out to you about important account matters—enrollment confirmations, upcoming course schedules, changes to our services, and responses to your inquiries. If you've opted in, we'll also share educational content, budget tips, and information about new courses that might interest you.

Service Improvement

We analyze how people use our platform to make it better. This means looking at which course sections are most helpful, identifying technical issues that need fixing, understanding what topics our students want to learn more about, and testing new features before rolling them out.

Information Sharing and Disclosure

We don't sell your personal information. Period. But we do share it with specific parties when necessary for service delivery.

Service Providers

We work with trusted third parties who help us operate our platform. These include payment processors who handle transactions securely, email service providers who deliver course communications, hosting companies that store our website data, and analytics tools that help us understand user behavior.

All service providers are contractually required to protect your data and use it only for the specific purposes we've outlined.

Legal Requirements

Sometimes we're required by law to disclose information. This happens when responding to valid legal requests from authorities, protecting our legal rights in disputes, preventing fraud or security threats, or complying with regulatory investigations.

Business Transfers

If xavendriqo is acquired by another organization or merges with another company, your information would be transferred as part of that transaction. We'd notify you beforehand and explain any changes to how your data is handled.

Your Privacy Rights

You have significant control over your personal information. Under Australian privacy law and our own commitment to transparency, here's what you can do:

How to Exercise Your Rights

To make a request regarding your personal information, contact our privacy team at contact@xavendriqo.com or write to us at 10 Townshend St, Phillip ACT 2606, Australia. Please include your full name, account email, and specific details about your request.

We'll respond to all requests within 30 days. If we need additional time due to complexity, we'll let you know and explain why.

Data Security Measures

Protecting your information is a top priority. We've implemented multiple security layers to keep your data safe.

Technical Safeguards

All data transmitted between your device and our servers is encrypted using industry-standard TLS technology. Your passwords are hashed and salted, meaning we never store them in readable form. Our databases are protected by firewalls and intrusion detection systems that monitor for suspicious activity around the clock.

Organizational Measures

Access to personal information is restricted to employees who need it to perform their jobs. Staff members receive regular privacy training and are bound by confidentiality agreements. We conduct regular security audits and update our systems to address emerging threats.

Data Storage

Your information is stored on secure servers located in Australia. We use reputable data center providers with certified security standards including ISO 27001 compliance. Regular backups ensure data availability while maintaining security protocols.

Cookies and Tracking Technologies

Our website uses cookies—small text files stored on your device—to improve your experience and analyze site usage.

Types of Cookies We Use

Essential cookies are necessary for the website to function properly. They enable core features like secure login and account access. You can't opt out of these without affecting site functionality.

Performance cookies help us understand how visitors interact with our website by collecting anonymous usage statistics. This shows us which pages are most popular and helps identify technical issues.

Functionality cookies remember your preferences, like language settings or recently viewed courses, so you don't have to re-enter this information each visit.

Managing Cookie Preferences

Most browsers allow you to control cookies through their settings. You can typically set your browser to reject all cookies, accept only certain types, or notify you when a cookie is being set. Keep in mind that blocking certain cookies may affect your ability to use some website features.

Children's Privacy

Our services are designed for adults seeking financial education. We don't knowingly collect personal information from anyone under 18 years of age without parental consent.

If you're a parent or guardian and believe your child has provided us with personal information, please contact us immediately. We'll take steps to remove that information from our systems promptly.

International Data Transfers

While we primarily operate in Australia and store data locally, some of our service providers may process data in other countries. When this occurs, we ensure adequate safeguards are in place to protect your information according to Australian privacy standards.

These safeguards include contractual commitments to privacy principles, data processing agreements with strict security requirements, and regular audits to verify compliance.

Changes to This Privacy Policy

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

The "Last Updated" date at the top of this policy shows when it was most recently revised. We encourage you to review this policy occasionally to stay informed about how we're protecting your information.

Continued use of our services after policy changes indicates your acceptance of the updated terms. If you disagree with changes, you may close your account.

Privacy Complaints

If you believe we've mishandled your personal information or violated your privacy rights, please let us know. We take complaints seriously and have a formal process for addressing them.

First, contact our privacy team at contact@xavendriqo.com with details of your concern. We'll acknowledge your complaint within 5 business days and investigate thoroughly. You'll receive a detailed response within 30 days explaining our findings and any corrective actions taken.

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). Contact details are available at oaic.gov.au.