merivoroqexa

Information We Collect

When you interact with merivoroqexa, we gather different types of information depending on how you use our services. Here's what we typically collect and why it matters for your learning experience.

Personal Details You Provide

When you enrol in our financial analysis programs or contact us for information, you share details like your name, email address, phone number, and educational background. We also collect payment information when you register for courses—though this is processed through secure third-party payment providers.

Contact Information: Name, email, phone number, and postal address
Educational Background: Prior qualifications and professional experience relevant to program placement
Payment Details: Billing information processed through certified payment gateways
Course Preferences: Areas of interest within financial analysis and career objectives

Technical Data From Your Visits

Our website automatically collects certain technical information when you browse. This includes your IP address, browser type, device information, and how you navigate through our pages. We use this data to improve site performance and understand which resources are most helpful to prospective students.

How We Use Your Information

Your data serves specific purposes related to delivering quality financial education. We don't sell your information to third parties, and we keep usage focused on legitimate educational and operational needs.

Purpose	Data Used	Legal Basis
Course enrolment and delivery	Contact details, educational background	Contract performance
Payment processing	Billing information	Contract performance
Course recommendations	Learning preferences, progress data	Legitimate interest
Website improvements	Technical usage data	Legitimate interest
Marketing communications	Contact information	Consent (opt-in)

Important Note: We only send marketing emails to individuals who have explicitly opted in. You can withdraw consent at any time by clicking the unsubscribe link in any email or contacting us directly.

Data Protection and Security

We take security seriously. Our systems use industry-standard encryption to protect your information during transmission and storage. Access to personal data is restricted to staff members who need it for legitimate educational purposes, and all team members receive privacy training.

All sensitive data is encrypted using TLS 1.3 protocols during transmission and AES-256 encryption at rest. Payment information never touches our servers—it goes directly to PCI-DSS compliant payment processors.

We conduct regular security audits and maintain backup systems to prevent data loss. In the unlikely event of a data breach affecting your information, we'll notify you within 72 hours as required under Australian privacy law.

Access controls ensure only authorized personnel can view student records. We maintain detailed logs of who accesses what information and when, creating accountability throughout our organization.

Your Privacy Rights Under Australian Law

The Australian Privacy Principles give you specific rights regarding your personal information. Here's what you can do and how to exercise these rights with merivoroqexa.

Access Your Data

You can request a copy of all personal information we hold about you. We'll provide this within 30 days of your request, free of charge for the first request in any 12-month period.

Correct Inaccuracies

If any information we hold is incorrect or outdated, you can ask us to update it. We'll make corrections promptly and notify any third parties who received the incorrect information if necessary.

Request Deletion

In certain circumstances, you can ask us to delete your personal data. We'll comply unless we have a legal obligation to retain it, such as financial records required for tax purposes.

Restrict Processing

You can ask us to limit how we use your information while we investigate a complaint or if you're contesting the accuracy of your data.

Data Portability

You can receive your personal data in a structured, commonly used format and transfer it to another education provider if you choose.

Object to Processing

You can object to how we use your data for marketing purposes or when we process it based on legitimate interests rather than contract performance.

How to Exercise Your Rights: Send your request to help@merivoroqexa.com with "Privacy Request" in the subject line. Include your full name and the email address associated with your account. We'll verify your identity and respond within the timeframes required by law.

Data Retention Periods

We don't keep your information longer than necessary. Different types of data have different retention periods based on legal requirements and operational needs.

Active Student Records: Maintained for the duration of your enrolment plus seven years after course completion to comply with Australian education regulations
Financial Records: Kept for seven years after the transaction date as required by Australian taxation law
Marketing Consent: Maintained until you withdraw consent, then deleted within 30 days
Website Analytics: Aggregated and anonymized after 26 months
Email Communications: Deleted after three years unless they contain information covered by other retention requirements

When retention periods expire, we securely delete or anonymize your information so it can no longer identify you. For paper records, we use cross-cut shredding. Digital data is permanently erased using methods that prevent recovery.

Sharing Your Information

We share your data with select third parties only when necessary to deliver our services or comply with legal obligations. Here's who might receive your information and why.

Service Providers

We work with companies that provide essential services like payment processing, email delivery, and learning management systems. These providers are contractually required to protect your data and can only use it for the specific services they perform for us. They're not allowed to use your information for their own purposes.

Professional Advisors

Sometimes we need to share information with lawyers, accountants, or consultants who help us run our business. These professionals are bound by their own strict confidentiality obligations.

Legal Requirements

We may disclose your information if required by Australian law, court order, or government regulation. This includes responding to subpoenas or cooperating with law enforcement investigations when legally obligated to do so.

No Data Selling: We don't sell, rent, or trade your personal information to marketing companies or data brokers. Your data stays within our organization and trusted service providers who help us deliver educational services.

International Data Transfers

Some of our service providers operate servers outside Australia, which means your data might be transferred internationally. When this happens, we ensure adequate protections are in place.

We only transfer data to countries that provide substantially similar privacy protections to Australia's Privacy Principles, or we implement additional safeguards like standard contractual clauses. Our primary data storage remains within Australia, but backup systems and some cloud services operate in jurisdictions including the United States and European Union.

Before engaging any service provider that stores data overseas, we conduct a privacy assessment to verify they meet our security standards and comply with applicable data protection laws.

Cookies and Tracking Technologies

Our website uses cookies—small text files stored on your device—to improve your browsing experience and help us understand how people use our site.

Types of Cookies We Use

Essential Cookies: Required for basic site functionality like remembering items in your course selection as you browse
Performance Cookies: Help us understand which pages are most visited and how users navigate our site
Functional Cookies: Remember your preferences like language settings or accessibility options

You can control cookies through your browser settings. Most browsers allow you to refuse cookies or delete existing ones. However, disabling cookies may affect site functionality—you might not be able to access certain features or your preferences won't be saved between visits.

Children's Privacy

Our financial analysis programs are designed for adults. We don't knowingly collect information from individuals under 18 years of age without parental consent. If you're under 18 and interested in our programs, please have a parent or guardian contact us.

If we discover we've inadvertently collected information from someone under 18 without proper consent, we'll delete it immediately. Parents or guardians who believe we may have information about their child should contact us at help@merivoroqexa.com.

Changes to This Policy

We review and update this privacy policy regularly to reflect changes in our practices, technology, or legal requirements. When we make significant changes, we'll notify current students by email and post the updated policy on our website with a new "last updated" date.

We encourage you to review this policy periodically. Your continued use of our services after changes are posted constitutes acceptance of the updated policy. If you disagree with changes, you can exercise your rights to request data deletion or discontinue using our services.

Making a Complaint

If you believe we've mishandled your personal information or violated your privacy rights, we want to know. Here's how to lodge a complaint and what happens next.

Contact our privacy officer at help@merivoroqexa.com with details of your concern. Include your name, contact information, and a clear description of the issue.

We'll acknowledge your complaint within three business days and investigate the matter thoroughly. You'll receive a detailed response within 30 days explaining what we found and any actions we're taking.

If you're not satisfied with our response, you can escalate your complaint to the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au or by calling 1300 363 992.

Privacy Policy