Information We Collect

We gather different types of information depending on how you engage with rinqualora. Here's what we collect and why it's necessary for providing our services:

How We Collect This Information

• Directly from you when you register for programs, fill out forms, or contact our team
• Automatically through cookies and tracking technologies when you visit our website
• From third parties like payment processors and analytics providers who work with us
• Through your interactions with our learning platforms and course materials

How We Use Your Information

We're straightforward about what we do with your data. Every piece of information serves a specific purpose related to delivering quality financial education:

We don't sell your personal information to third parties. Period. We occasionally share data with service providers who help us operate our business, but only under strict confidentiality agreements.

Your Rights Under Australian Privacy Law

The Australian Privacy Principles give you significant control over your personal information. Here's what you can do and how to exercise these rights:

Your Right	What It Means	How to Exercise It
Access	You can request a copy of all personal information we hold about you, including how we've used it.	Email help@rinqualora.com with "Access Request" in the subject line. We'll respond within 30 days.
Correction	If your information is inaccurate or outdated, you can ask us to correct it.	Contact us directly with the correct information. We'll update our records within 7 business days.
Erasure	Request deletion of your personal data when it's no longer necessary for the purpose we collected it.	Submit a deletion request via email. Note: we may need to retain some records for legal compliance.
Objection	You can object to certain types of data processing, particularly for marketing purposes.	Use the unsubscribe link in our emails or contact us to opt out of specific communications.
Portability	Request your data in a commonly used format to transfer to another service provider.	Email us requesting data export. We'll provide your information in CSV or PDF format.
Complaint	If you believe we've mishandled your data, you can lodge a formal complaint.	Contact our privacy officer first. If unsatisfied, you can escalate to the Office of the Australian Information Commissioner.

We take all rights requests seriously and handle them promptly. In most cases, we'll respond within 30 days, though complex requests might take a bit longer.

Data Security Measures

Protecting your information isn't just a legal obligation—it's fundamental to how we operate. We've put multiple layers of security in place:

• All data transmissions use industry-standard SSL/TLS encryption to prevent interception
• Our databases are encrypted at rest and access is restricted to authorized personnel only
• We conduct regular security audits and vulnerability assessments with third-party experts
• Staff receive ongoing training about data protection and privacy best practices
• Payment processing happens through PCI-DSS compliant providers—we never store full card details
• We maintain detailed access logs and monitor for suspicious activity 24/7
• Regular backups are encrypted and stored in geographically separate locations

Despite our precautions, no online system is completely secure. If we detect a data breach that might affect you, we'll notify you within 72 hours and explain what happened, what we're doing about it, and steps you should take.

How Long We Keep Your Data

We don't keep your information longer than necessary. Our retention periods are based on legal requirements, business needs, and the nature of the data:

When retention periods expire, we securely delete or anonymize your data. You can request earlier deletion by contacting us, though we may need to retain certain records for legal compliance.

Third-Party Services and Data Sharing

We work with carefully selected service providers who help us deliver our programs. These partnerships involve limited data sharing under strict controls:

Payment Processors

We use established payment gateways that comply with banking security standards. When you make a payment, your financial information goes directly to these processors—we never see or store your complete card details.

Learning Platform Providers

Some courses use third-party learning management systems. These providers receive basic information like your name and email to give you access to course materials. They're bound by contracts that limit how they can use your data.

Email and Communication Tools

We use professional email services and customer relationship management systems to communicate with you effectively. These tools process your contact information and message content according to our instructions.

Analytics Services

Website analytics tools help us understand how people use our site. These services collect technical information like page visits and click patterns, often in anonymized form.

We don't transfer your personal information outside Australia without your consent, except where our service providers operate international data centers with equivalent privacy protections.

Cookies and Tracking Technologies

Our website uses cookies—small text files stored on your device—to remember your preferences and analyze site usage. Here's what you should know:

• Essential Cookies: Required for basic site functions like logging in and accessing secure areas. You can't disable these without losing functionality.
• Performance Cookies: Help us understand which pages are popular and how visitors navigate our site. This data is usually anonymized.
• Functionality Cookies: Remember your preferences like language settings or font size so you don't have to set them repeatedly.
• Marketing Cookies: Track your visits across websites to show relevant content. You can opt out of these through your browser settings.

Most browsers let you control cookies through their settings. Blocking certain cookies might affect your experience on our site, but you'll still be able to access core content.

Children's Privacy

Our programs are designed for adults in professional settings. We don't knowingly collect information from anyone under 18 years old. If you're a parent and believe your child has provided us with personal information, please contact us immediately so we can delete it.

Changes to This Policy

Business practices and legal requirements change over time. When we update this privacy policy, we'll post the new version on this page with a revised date at the top.

Significant changes will be communicated directly via email to enrolled participants. We encourage you to review this policy periodically, especially before sharing new information with us.

International Data Transfers

While rinqualora operates primarily within Australia, some of our service providers maintain servers in other countries. When your data is transferred internationally, we ensure these locations provide adequate privacy protection through:

• Standard contractual clauses approved by Australian authorities
• Verification that the receiving country has substantially similar privacy laws
• Additional security measures to protect data during transmission and storage

We won't transfer sensitive information internationally without implementing extra safeguards or obtaining your explicit consent.