Privacy Policy
We take your privacy seriously. This policy explains how marnuvionex collects, uses, and protects your personal information when you use our financial analysis education services.
Information We Collect
When you engage with our educational services, we collect different types of information. Some you give us directly, others we gather as you interact with our platform.
Information You Provide Directly
- Full name and contact details when you register for courses or newsletters
- Email address and phone number for communication purposes
- Billing information when enrolling in paid programmes
- Educational background and professional experience if you share it with us
- Messages you send through our contact forms or support channels
Information We Collect Automatically
- Device information including browser type and operating system
- IP address and general location data (city and region level)
- Pages you visit and how long you spend on them
- Learning progress and course completion rates
- Technical data about how you interact with our materials
We don't collect sensitive personal information like health records, religious beliefs, or detailed financial account information. Our focus is on what helps us deliver better educational content.
How We Use Your Information
Your data serves specific purposes that directly relate to improving your learning experience and running our education services properly.
- Course Delivery: We use your contact information and learning data to provide access to materials, track your progress, and send course-related updates.
- Communication: Your email and phone number help us send important notifications about your enrolment, changes to courses, and educational resources you've requested.
- Service Improvement: Analysing how students interact with content helps us identify which materials work well and which need refinement.
- Technical Support: When you report issues, your information helps our team troubleshoot and resolve problems efficiently.
- Legal Compliance: Australian privacy law requires us to maintain certain records and follow specific procedures.
We might also use aggregated, anonymised data for research purposes. This means combining information from many students in ways that don't identify anyone individually.
Data Sharing and Third Parties
We're selective about who we share information with. Here's the complete picture of when your data might leave our direct control.
Service Providers We Work With
| Service Type | Purpose | Data Shared |
|---|---|---|
| Learning Platform | Course hosting and delivery | Name, email, progress data |
| Payment Processor | Secure payment handling | Billing information, transaction details |
| Email Service | Course updates and newsletters | Email address, name, preferences |
| Analytics Tools | Understanding user behaviour | Technical data, usage patterns |
All these providers operate under strict contractual obligations to protect your information. They can only use your data for the specific services they provide to us.
When We Must Disclose Information
Australian law sometimes requires us to share information with government authorities or law enforcement. This happens rarely and only when legally mandated. We'll notify you if possible, unless doing so would violate legal requirements or compromise an investigation.
Your Rights Under Australian Privacy Law
The Privacy Act 1988 gives you specific rights about your personal information. We've designed straightforward processes for you to exercise these rights.
Access Your Information
You can request a copy of all personal information we hold about you. We'll provide this within 30 days, in a commonly used electronic format. There's no charge for your first request in any 12-month period.
Correct Inaccurate Data
If you spot errors in your information, let us know. We'll update our records within 7 business days. You can correct most details yourself through your account settings.
Request Deletion
You can ask us to delete your personal information. We'll comply unless we need to keep certain records for legal reasons (like tax documentation, which we must retain for 7 years).
Withdraw Consent
If you previously agreed to receive marketing emails or participate in research, you can withdraw that consent anytime. This won't affect the lawfulness of processing before you withdrew consent.
Object to Processing
You can object to how we use your information in certain situations. We'll assess your request and stop that processing unless we have compelling legitimate grounds to continue.
To exercise any of these rights, email us at contact@marnuvionex.com with your request. We'll respond within 5 business days to confirm we've received it, then complete your request within 30 days.
Data Security Measures
Protecting your information isn't just about technology. It's about having proper procedures and a security-conscious culture throughout our organisation.
Technical Safeguards
- Industry-standard encryption for data transmission and storage
- Secure servers located in Australian data centres
- Regular security audits and vulnerability assessments
- Multi-factor authentication for staff accessing student data
- Automated backup systems with encrypted storage
Administrative Protections
- Staff training on privacy obligations and data handling
- Strict access controls limiting who can view personal information
- Regular review of our information security policies
- Incident response procedures for potential data breaches
Despite our best efforts, no system is completely secure. If we detect a data breach that poses serious harm to you, we'll notify you within 72 hours and report it to the Office of the Australian Information Commissioner as required.
Data Retention Periods
We don't keep your information forever. Different types of data have different retention periods based on legal requirements and practical needs.
Active Student Records
While you're enrolled in courses, we maintain complete records of your information and learning progress. This helps us provide continuous support and track your educational journey.
After Course Completion
We keep your basic enrolment information and certificates for 7 years after you finish a course. This matches Australian taxation record-keeping requirements and lets you request proof of completion if needed.
Marketing and Communication
If you've subscribed to newsletters but haven't enrolled in courses, we'll keep your contact details until you unsubscribe. After unsubscribing, we remove your information within 30 days, keeping only a suppression record to ensure we don't accidentally contact you again.
Technical and Usage Data
Anonymised analytics data might be retained indefinitely for research purposes. Since this data can't identify you personally, standard retention periods don't apply.
International Data Transfers
We primarily store data within Australia. However, some service providers operate internationally, which means your information might be processed overseas.
Where Your Data Might Go
Our learning platform provider has servers in Singapore and the United States. Our email service operates from data centres in the United States and Ireland. Payment processing might involve transfers to countries where payment networks operate.
Protections for International Transfers
When we use overseas providers, we ensure they either operate in countries with adequate privacy protections recognised by Australian law, or we have contractual safeguards requiring equivalent protection to Australian standards.
You can request details about specific transfers and the safeguards in place by contacting us.
Cookies and Tracking Technologies
Like most websites, we use cookies and similar technologies. These small files help our site function properly and let us understand how people use our services.
Essential Cookies
Some cookies are necessary for basic functionality. They remember your login status, keep items in your shopping basket, and maintain your preferences during a session. You can't opt out of these if you want to use our services.
Analytics Cookies
We use cookies to track how visitors navigate our site. This helps us identify popular content, spot confusing navigation, and measure which marketing efforts work. These cookies don't identify you personally.
Your Cookie Choices
You can control cookie settings through your browser. Most browsers let you refuse all cookies or accept only certain types. Keep in mind that blocking essential cookies will prevent some features from working.
Changes to This Policy
Privacy practices evolve as technology changes and regulations update. We review this policy annually and update it when necessary.
If we make significant changes that affect how we use your information, we'll notify you by email at least 30 days before the changes take effect. Minor updates (like fixing typos or clarifying existing practices) won't trigger notifications.
The date at the top of this page shows when we last revised the policy. Previous versions are available on request if you want to compare changes.
Children's Privacy
Our services target adults interested in financial analysis education. We don't knowingly collect information from anyone under 18 without parental consent.
If you're under 18 and want to enrol in our courses, we'll need verified consent from your parent or guardian. If we discover we've collected information from a minor without proper consent, we'll delete it promptly.
Making Complaints
If you're unhappy with how we've handled your personal information, we want to hear about it. Contact our privacy officer first, and we'll work to resolve your concern.
Our Complaints Process
- Email your complaint to contact@marnuvionex.com with "Privacy Complaint" in the subject line
- We'll acknowledge your complaint within 2 business days
- We'll investigate and respond with our findings within 30 days
- If you're not satisfied with our response, you can escalate to the Office of the Australian Information Commissioner
The OAIC is Australia's independent privacy regulator. You can lodge a complaint with them at any time, though they generally prefer you try to resolve issues with us first.
Contact Our Privacy Officer
Questions about this policy or how we handle your information? Our privacy officer is here to help.
We aim to respond to all privacy enquiries within 5 business days.