Information We Collect

We collect several types of information to deliver our financial education services effectively. The nature of what we gather depends on how you engage with feronyalix.

Personal Information You Provide

When you register for programmes, contact us, or use our services, you might share:

• Full name and contact details (email address, phone number, postal address)
• Date of birth and identification documents when required for verification
• Financial background information relevant to educational placement
• Employment history and professional qualifications
• Payment and billing information for course fees
• Educational records and assessment results
• Communication preferences and accessibility requirements

Information Collected Automatically

Our digital platforms gather technical data through your interactions:

• Device information (IP address, browser type, operating system)
• Usage patterns (pages viewed, time spent, navigation paths)
• Location data (based on IP address, not precise GPS)
• Cookies and similar tracking technologies
• Session recordings for quality improvement purposes

Information From Third Parties

Sometimes we receive information about you from external sources, including payment processors, credit reference agencies (with your consent), professional bodies, and referral partners. We only accept third-party information when there's a legitimate basis.

How We Use Your Information

Your information helps us provide quality financial education and improve our services. Here's what we do with it:

We don't use your personal information for purposes unrelated to your education unless we have your explicit consent or are legally required to do so. And we won't sell your data to third parties for their marketing purposes.

Sharing Your Information

We share your information only when necessary for service delivery or required by law. feronyalix doesn't engage in indiscriminate data sharing.

Data Security Measures

We take information security seriously. feronyalix has put in place administrative, technical, and physical safeguards designed to protect your personal information from unauthorized access, alteration, disclosure, or destruction.

Despite these measures, no method of transmission over the internet is completely secure. We can't guarantee absolute security, but we monitor for suspicious activity and respond promptly to potential breaches. If we detect a data breach that poses a serious risk to you, we'll notify you and the Office of the Australian Information Commissioner as required by law.

Your Privacy Rights

Under Australian privacy law, you have several rights regarding your personal information. We've made it straightforward to exercise these rights.

To exercise any of these rights, contact our Privacy Officer using the details at the top of this document. We'll need to verify your identity before processing most requests. If we decline your request, we'll explain why and inform you about your right to complain to the Office of the Australian Information Commissioner.

Data Retention and Deletion

We keep your information only as long as necessary for the purposes we collected it. Retention periods vary depending on the type of information and legal requirements.

Standard Retention Periods

• Student records: 7 years after course completion (regulatory requirement)
• Financial records: 7 years from transaction date (tax law requirement)
• Marketing consent records: Until consent is withdrawn, then 3 years
• Website analytics: 26 months from collection
• Communication records: 3 years after last meaningful interaction
• Application records (unsuccessful): 2 years from application date

After these periods expire, we securely delete or anonymize your information. Deletion methods depend on the storage medium: digital data is overwritten multiple times, and physical records are shredded or incinerated. Some information might be retained in anonymized form for statistical purposes where it can't be linked back to you.

International Data Transfers

feronyalix primarily stores data within Australia. However, some of our service providers operate internationally, which means your information might be processed or stored overseas.

If you have concerns about international transfers, contact our Privacy Officer. We can provide more specific information about where your data goes and what safeguards apply.

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to improve your experience and understand how people use our services. You have control over most of these technologies.

Types of Cookies We Use

Essential Cookies: These are necessary for the website to function. They enable core features like security, network management, and accessibility. You can't opt out of these without affecting how the site works.

Performance Cookies: These collect information about how visitors use our website, which pages are most popular, and where error messages are delivered. We use this data to improve website performance. The information collected is aggregated and anonymous.

Functionality Cookies: These remember choices you make to personalize your experience. They might store your location, language preference, or accessibility settings.

You can control cookies through your browser settings. Most browsers allow you to refuse or delete cookies, though this might affect website functionality. Our website will still work without non-essential cookies, but some features may be limited.

Children's Privacy

feronyalix's financial education services are designed for adults aged 18 and over. We don't knowingly collect information from anyone under 18 without parental consent. If you're under 18 and interested in our programmes, a parent or guardian must complete the registration process on your behalf.

If we discover we've inadvertently collected information from someone under 18 without proper consent, we'll delete that information promptly. Parents or guardians who believe we might have information about their child should contact our Privacy Officer immediately.

Changes to This Policy

We review and update this Privacy Policy periodically to reflect changes in our practices, technology, legal requirements, or business operations. When we make significant changes, we'll notify you through email or a prominent notice on our website.

The "Effective Date" at the top of this document shows when the current version became active. We encourage you to review this policy whenever you interact with our services. Continued use of feronyalix's services after policy changes indicates your acceptance of the updated terms.

Previous versions of this policy are archived and available upon request. If you have questions about how changes affect you, our Privacy Officer can explain what's different and what it means for your information.

Marketing Communications

We send marketing communications only to people who have given us permission or where we have a legitimate interest (such as existing students receiving information about advanced courses).

What You'll Receive

• Updates about new courses and learning programmes
• Information about financial education trends and industry developments
• Invitations to workshops, webinars, and networking events
• News about feronyalix's services and organizational updates
• Educational resources and thought leadership content

Every marketing email includes an unsubscribe link. You can also update your communication preferences by logging into your account or contacting us directly. Opting out of marketing doesn't affect service-related communications (like course confirmations or important policy updates).