valiqoresta - Personal Finance Education & Financial Literacy Australia

Introduction

At valiqoresta, we respect your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website valiqoresta.com or use our financial education services.

This policy applies to all users of our platform and complies with the Australian Privacy Principles (APPs) under the Privacy Act 1988 (Cth). By using our services, you consent to the collection and use of information in accordance with this policy.

Information We Collect

Personal Information

We collect information you provide directly to us, including:

Name and contact details (email address, phone number, postal address)

Date of birth and identification information for verification purposes

Financial information relevant to our educational services

Educational background and learning preferences

Communication preferences and feedback

Automatically Collected Information

When you visit our website, we automatically collect certain information about your device and usage patterns:

IP address and location data

Browser type, operating system, and device information

Pages visited, time spent on our site, and navigation patterns

Referring websites and search terms used to find our site

Cookies and similar tracking technologies data

How We Use Your Information

We use the information we collect for various legitimate business purposes, including:

Primary Uses: Providing educational services, processing enrollments, communicating about programs, and improving our platform based on user feedback and analytics.

Delivering financial education courses and learning materials

Processing course registrations and managing your account

Sending educational content, updates, and promotional materials

Personalizing your learning experience and recommendations

Analyzing website usage to improve our services and user experience

Ensuring platform security and preventing fraudulent activities

Complying with legal obligations and regulatory requirements

Responding to customer service inquiries and support requests

Information Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. However, we may share your information in the following circumstances:

Service Providers

We work with trusted third-party service providers who assist us in operating our business. These providers have access to your information only to perform specific tasks on our behalf and are obligated to protect your information.

Legal Requirements

We may disclose your information when required by law, court order, or government regulation, or when we believe disclosure is necessary to protect our rights, property, or safety, or that of our users or the public.

Business Transfers

In the event of a merger, acquisition, or sale of all or part of our business, your information may be transferred to the acquiring entity, subject to the same privacy protections outlined in this policy.

Your Privacy Rights

Under Australian privacy law, you have several rights regarding your personal information:

You can request access to your personal information, ask for corrections, request deletion of your data, or opt-out of certain communications at any time.

Access: Request a copy of the personal information we hold about you

Correction: Ask us to correct inaccurate or incomplete information

Deletion: Request deletion of your personal information (subject to legal obligations)

Portability: Request your data in a structured, commonly used format

Objection: Object to certain processing of your personal information

Restriction: Request that we limit how we use your information

Withdrawal of Consent: Withdraw consent for processing where applicable

To exercise these rights, please contact us using the information provided at the end of this policy. We will respond to your request within 30 days and may ask for verification of your identity.

Data Security and Storage

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. Our security measures include:

Encrypted data transmission and secure socket layer (SSL) technology

Regular security assessments and vulnerability testing

Access controls and authentication procedures for our staff

Secure data storage with regular backups and recovery procedures

Employee training on data protection and privacy practices

We retain your personal information for as long as necessary to fulfill the purposes outlined in this privacy policy, unless a longer retention period is required or permitted by law. When we no longer need your information, we will securely delete or anonymize it.

Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to enhance your browsing experience and analyze site usage. Cookies are small text files stored on your device that help us remember your preferences and improve our services.

Types of Cookies We Use

Essential cookies: Required for basic website functionality

Performance cookies: Help us understand how visitors use our site

Functional cookies: Remember your preferences and settings

Marketing cookies: Used to deliver relevant advertisements

You can control cookie preferences through your browser settings. However, disabling certain cookies may affect your ability to use some features of our website.

International Data Transfers

While valiqoresta operates primarily within Australia, some of our service providers may be located overseas. When we transfer your personal information internationally, we ensure appropriate safeguards are in place to protect your data in accordance with Australian privacy laws.

We only work with service providers who demonstrate adequate privacy protections and commit to handling your information in compliance with this privacy policy and applicable data protection laws.

Children's Privacy

Our services are designed for adults aged 18 and over. We do not knowingly collect personal information from children under 18 without parental consent. If you believe we have collected information from a child under 18, please contact us immediately, and we will take steps to remove such information from our systems.

Changes to This Privacy Policy

We may update this privacy policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will notify you by email or through a prominent notice on our website.

We encourage you to review this policy periodically to stay informed about how we protect your information. Your continued use of our services after any modifications indicates your acceptance of the updated privacy policy.