noravexio Logo

noravexio

Financial expertise through hands-on learning

Privacy Policy

Last Updated: January 15, 2025

At noravexio, we take your privacy seriously. This policy explains how we collect, use, and protect your personal information when you interact with our activity-based budgeting educational services.

We're based in Australia and comply with the Privacy Act 1988 and Australian Privacy Principles. If you're reading this, you deserve to know exactly what happens with your data—no legal jargon hiding the real details.

Information We Collect

We collect different types of information depending on how you use our services. Here's what we gather and why it matters for your learning experience.

Personal Information You Provide

When you sign up for our programs or contact us, you share information directly. This includes:

  • Your name, email address, and phone number when you register or enquire
  • Payment details processed securely through our payment providers
  • Educational background and career goals to help us tailor your learning path
  • Communication history when you reach out for support or guidance
  • Feedback and survey responses that help us improve our programs

Information Collected Automatically

Our website collects technical data to function properly and improve your experience:

  • IP address and browser type for security and technical support
  • Pages visited and time spent on our site to understand what content resonates
  • Device information to ensure our platform works on your equipment
  • Cookies and similar tracking tools (you can control these in your browser)

How We Use Your Information

We don't collect data just to have it. Everything we gather serves a specific purpose related to delivering quality financial education.

Educational Services

Your information helps us deliver personalized learning:

  • Enrolling you in programs and tracking your progress
  • Sending course materials and updates
  • Providing support when you need help
  • Issuing certificates upon completion

Communication & Support

We stay in touch to help you succeed:

  • Responding to your questions and concerns
  • Sending program reminders and deadlines
  • Sharing relevant updates about our services
  • Gathering feedback to improve our offerings

We also use your data for operational purposes like processing payments, maintaining security, and complying with legal obligations. And yes, we analyze trends to make our programs better—but we do this with aggregated data that doesn't identify individuals.

Sharing Your Information

We're not in the business of selling your data. But we do work with trusted partners to deliver our services effectively.

Service Providers We Work With

These companies help us operate but don't own your data:

  • Payment processors who handle transactions securely
  • Email service providers for communications
  • Cloud hosting services that store our platform data
  • Analytics tools that help us understand site usage patterns
  • Customer support platforms for managing enquiries

When We Must Share Information

Australian law requires us to disclose information in specific situations—like responding to court orders, preventing fraud, or protecting someone's safety. We'll only share what's legally required and nothing more.

If noravexio were ever acquired or merged with another organization, your information would transfer to the new entity. We'd notify you beforehand and ensure your privacy rights remain protected.

Your Privacy Rights

Under Australian privacy law, you have real control over your personal information. These aren't just theoretical rights—we've set up processes to make them work in practice.

Your Right What It Means
Access Request a copy of the personal information we hold about you
Correction Ask us to fix inaccurate or incomplete information
Deletion Request removal of your data when there's no valid reason to keep it
Objection Opt out of certain data uses like marketing communications
Complaint Lodge a complaint with us or the Office of the Australian Information Commissioner

To exercise any of these rights, email us at help@noravexio.com with your request. We'll respond within 30 days and verify your identity before making changes. There's no charge for most requests, though we might ask for a reasonable fee if you're requesting extensive copies of data.

Data Security & Retention

We protect your information using industry-standard security measures. Our systems use encryption for data transmission, secure servers with restricted access, and regular security audits.

How Long We Keep Your Data

We retain information only as long as necessary for legitimate purposes:

  • Active student records: duration of enrollment plus seven years for educational records
  • Financial transaction data: seven years as required by Australian tax law
  • Marketing communications: until you unsubscribe or request deletion
  • Technical logs and analytics: typically 12-24 months

What Happens When You Leave

If you complete a program or decide to stop using our services, we don't automatically delete everything. We keep certain records for legal compliance and to maintain the integrity of our educational credentials. But you can request deletion of non-essential data at any time.

Despite our security efforts, no online system is completely secure. We do our best to protect your data, but you should also take precautions—like using strong passwords and not sharing login credentials.

Cookies & Tracking

Our website uses cookies—small files stored on your device that help the site function and remember your preferences.

Essential Cookies

These are necessary for basic site functionality:

  • Keeping you logged into your account
  • Remembering items in your cart
  • Maintaining security settings
  • Supporting basic site navigation

Optional Cookies

These enhance your experience but aren't required:

  • Analytics to understand site usage
  • Preference cookies for your settings
  • Marketing cookies for relevant content
  • Third-party tools we integrate

You can control cookies through your browser settings. Blocking essential cookies might affect site functionality, but you can disable optional tracking without losing access to our educational content.

Children's Privacy

Our services are designed for adults pursuing professional education. We don't knowingly collect information from anyone under 18 without parental consent. If you're a parent who believes we've collected data from your child, contact us immediately and we'll delete it.

Changes to This Policy

We update this policy occasionally to reflect new practices or legal requirements. When we make significant changes, we'll notify you by email or through a prominent notice on our website. The "Last Updated" date at the top shows when the current version took effect.

Continuing to use our services after changes means you accept the updated policy. If you disagree with new terms, you can close your account and request data deletion.