Privacy Policy
Last Updated: 14 January 2025
At clarionexi, we take your privacy seriously. This policy explains how we collect, use, and protect your personal information when you engage with our financial management and communication services. We're committed to transparency and giving you control over your data.
Information We Collect
Personal Details You Provide
When you register for our courses or contact us, we collect information you voluntarily share. This includes your name, email address, phone number, and postal address. We also gather details about your professional background and learning goals to tailor our educational content to your needs.
Payment information gets processed through secure third-party providers. We don't store complete credit card numbers on our systems—only the last four digits for reference purposes.
Automatically Collected Data
Our website collects technical information through cookies and similar technologies. This covers your IP address, browser type, device information, and how you interact with our site. We use this data to improve user experience and understand which educational resources resonate most with our students.
- Log files that record site visits and page views
- Cookie data for session management and preferences
- Device identifiers for mobile app users
- Location data (only with your explicit consent)
- Course progress and engagement metrics
How We Use Your Information
Your data serves specific purposes related to delivering quality financial education. We process information under the Australian Privacy Principles established in the Privacy Act 1988, ensuring we have lawful grounds for everything we do with your data.
| Purpose | Legal Basis |
|---|---|
| Course enrollment and delivery | Contract fulfillment |
| Payment processing and invoicing | Contract fulfillment |
| Customer support and communications | Legitimate business interest |
| Marketing and promotional emails | Consent (opt-in required) |
| Website improvement and analytics | Legitimate business interest |
| Legal compliance and fraud prevention | Legal obligation |
We'll never sell your personal information to third parties. Period. When we share data with service providers—like email platforms or payment processors—they're bound by strict confidentiality agreements and can only use your information for the specific services they provide to us.
Your Privacy Rights
Australian privacy law gives you significant control over your personal information. You can exercise these rights at any time by contacting us through the details provided at the end of this policy.
Access Your Data
Request a copy of all personal information we hold about you. We'll provide this within 30 days in a commonly used electronic format.
Correction Rights
Ask us to correct inaccurate or outdated information. We'll update our records promptly and notify any third parties if necessary.
Deletion Request
Request erasure of your data when it's no longer needed for the purposes we collected it. Some records may need to be retained for legal reasons.
Marketing Opt-Out
Unsubscribe from promotional communications anytime. You'll still receive essential service-related messages about your courses.
Data Portability
Receive your data in a structured format that you can transfer to another service provider if you choose to leave clarionexi.
Restrict Processing
Limit how we use your data in specific circumstances, such as when you're disputing the accuracy of information we hold.
To exercise any of these rights, send us a written request. We'll respond within 30 days and may ask you to verify your identity before processing sensitive requests. There's no charge for most requests, though we might apply a reasonable fee for excessive or repetitive requests.
Data Security Measures
We protect your information using industry-standard security practices. Our systems employ encryption for data transmission, secure server configurations, and regular security audits. Staff members receive training on data protection and only access information necessary for their roles.
Technical Safeguards
- SSL/TLS encryption for all data transmitted between your device and our servers
- Encrypted storage for sensitive personal information in our databases
- Regular security patches and software updates on all systems
- Firewall protection and intrusion detection systems
- Multi-factor authentication for staff accessing student records
- Regular backups stored in secure, geographically separate locations
Despite these measures, no internet transmission is completely secure. While we do everything reasonable to protect your data, we can't guarantee absolute security. You're responsible for maintaining the confidentiality of your account credentials.
Data Retention and Deletion
We keep your information only as long as necessary for the purposes outlined in this policy. Different types of data have different retention periods based on legal requirements and business needs.
Retention Periods
Course enrollment records and academic progress data are retained for seven years after your last interaction with us, in accordance with Australian educational record-keeping standards. Financial records, including payment history and invoices, are kept for seven years to meet taxation law requirements.
Marketing consent records remain active until you withdraw consent, at which point we'll suppress your contact details to prevent future marketing. Website analytics data gets anonymized after 26 months, removing any personally identifiable information while retaining aggregate statistics.
When you request account deletion, we'll remove or anonymize your data within 90 days, except where we're legally required to retain certain records. You'll receive confirmation once the deletion process is complete.
Third-Party Services and Disclosure
We work with carefully selected service providers who help us deliver our educational programs. These partners only access your information when necessary to perform their specific functions, and they're contractually obligated to protect your data.
Service Provider Categories
- Payment processors who handle course fees and refunds securely
- Cloud hosting providers storing our learning management system
- Email service platforms for course communications and newsletters
- Analytics tools helping us understand student engagement patterns
- Customer support software for managing inquiries efficiently
We may disclose your information if required by Australian law, court order, or government regulation. This includes responding to lawful requests from law enforcement agencies or regulatory bodies like the Australian Securities and Investments Commission when investigating financial matters.
In the unlikely event clarionexi merges with or gets acquired by another organization, your data would transfer to the new entity. We'd notify you before this happens and inform you of any changes to how your information gets handled.
International Data Transfers
While we're based in Australia and primarily operate here, some of our service providers maintain servers overseas. When your data gets transferred internationally, we ensure adequate protection through approved transfer mechanisms.
Cloud storage services may replicate data across multiple regions for redundancy and performance. These transfers occur within networks that maintain security standards equivalent to or exceeding Australian requirements. We use standard contractual clauses approved by the Office of the Australian Information Commissioner when transferring data to countries without adequate privacy protections.
Cookies and Tracking Technologies
Our website uses cookies to remember your preferences and improve your browsing experience. You can control cookie settings through your browser, though disabling certain cookies may limit website functionality.
Cookie Types We Use
Essential cookies keep you logged in and remember your course progress. These are necessary for the site to function properly. Analytics cookies help us understand which pages students find most valuable and where people encounter difficulties. Marketing cookies track visits from our advertising campaigns so we can measure their effectiveness.
You can opt out of analytics and marketing cookies through our cookie consent banner, which appears on your first visit. Essential cookies can't be disabled without breaking site functionality, but you can clear them by deleting your browser history.
Children's Privacy
Our financial education courses target adults. We don't knowingly collect information from anyone under 18 without parental consent. If you're under 18 and interested in our programs, please have a parent or guardian contact us to discuss enrollment options.
If we discover we've inadvertently collected data from a minor without proper consent, we'll delete that information promptly. Parents who believe their child has provided us with personal information should contact our privacy team immediately.
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 via email or through a prominent notice on our website at least 30 days before the changes take effect.
The "Last Updated" date at the top of this page shows when we last modified the policy. We encourage you to review it occasionally to stay informed about how we're protecting your information. Continued use of our services after policy changes constitutes acceptance of the updated terms.
Complaints and Concerns
If you're unhappy with how we've handled your personal information, please contact us first so we can try to resolve the issue. We take complaints seriously and will investigate thoroughly.
If you're not satisfied with our response, you have the right to lodge a complaint with the Office of the Australian Information Commissioner. They can investigate privacy breaches and provide guidance on your rights under Australian privacy law.
Office of the Australian Information Commissioner: www.oaic.gov.au | Phone: 1300 363 992 | Mail: GPO Box 5218, Sydney NSW 2001
Contact Us About Privacy
Questions about this privacy policy or how we handle your data? We're here to help.