About This Policy

ferqavison ("we," "us," or "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website at ferqavison.com or use our budget education services.

This policy applies to all personal information we collect about you, whether directly or indirectly, and covers both our online and offline interactions with you. We operate under Australian privacy laws, including the Privacy Act 1988 and the Australian Privacy Principles (APPs).

Information We Collect

We collect different types of information to provide and improve our budget education services:

Personal Information You Provide

• Contact details including name, email address, phone number, and mailing address
• Account information when you register for our educational programs
• Payment information for course enrollment (processed securely through third-party providers)
• Educational background and learning preferences to customize your experience
• Communications you send us, including feedback and support requests
• Survey responses and participation in our research studies

Information Collected Automatically

• Device information including IP address, browser type, and operating system
• Website usage data through cookies and similar tracking technologies
• Learning progress and engagement metrics within our educational platform
• Time zone and location data to provide relevant content and scheduling

How We Use Your Information

Your information helps us deliver effective budget education services and improve your learning experience:

• Providing access to educational materials, courses, and personalized learning paths
• Processing enrollments and managing your account and billing
• Sending important updates about your courses, schedule changes, and new offerings
• Customizing content based on your learning progress and preferences
• Providing customer support and responding to your inquiries
• Improving our educational content and platform functionality
• Conducting research to enhance budget education methodologies
• Complying with legal obligations and protecting our legitimate business interests

Information Sharing and Disclosure

We may share your information in specific circumstances to support your education and comply with legal requirements:

Service Providers

We work with trusted third-party providers who help us deliver our services, including payment processors, email delivery services, cloud hosting providers, and analytics platforms. These providers are contractually required to protect your information and use it only for specified purposes.

Legal Requirements

We may disclose your information when required by law, such as responding to court orders, government investigations, or other legal processes. We'll notify you of such requests unless prohibited by law.

Business Transfers

If ferqavison is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We'll provide notice before your information becomes subject to a different privacy policy.

Your Privacy Rights

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

To exercise these rights, contact us using the information provided at the bottom of this policy. We'll respond to your request within 30 days and may need to verify your identity before processing certain requests.

Data Security and Protection

We implement comprehensive security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction:

• Industry-standard encryption for data transmission and storage
• Regular security assessments and vulnerability testing
• Access controls limiting staff access to necessary information only
• Secure payment processing through PCI-compliant third-party providers
• Regular backup procedures and disaster recovery planning
• Staff training on privacy and security best practices
• Multi-factor authentication for administrative access

While we maintain strong security practices, no system is completely secure. We encourage you to use strong passwords and protect your account credentials.

Data Retention

We retain your personal information only as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, and protect our legitimate interests:

• Account Information: Retained while your account is active and for 7 years after closure for tax and legal compliance
• Educational Records: Kept for 10 years to provide transcripts and verify completion of programs
• Communications: Stored for 3 years to maintain service quality and resolve disputes
• Website Analytics: Aggregated data retained for 2 years to improve our services
• Marketing Data: Deleted within 30 days of opting out of communications

When information is no longer needed, we securely delete or anonymize it according to our data destruction procedures.

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance your browsing experience and provide personalized content:

Essential Cookies

Required for website functionality, including maintaining your login session and processing course enrollment. These cookies cannot be disabled.

Analytics Cookies

Help us understand how visitors use our website to improve content and user experience. We use Google Analytics with privacy-enhanced settings.

Preference Cookies

Remember your settings and preferences to provide a personalized experience across visits.

You can manage cookie preferences through your browser settings, though disabling certain cookies may limit website functionality.

International Data Transfers

While ferqavison operates primarily within Australia, some of our service providers may process your information in other countries. When we transfer personal information internationally, we ensure appropriate safeguards are in place:

• Transfers only to countries with adequate privacy protection as recognized by Australian law
• Contractual agreements requiring international processors to maintain Australian privacy standards
• Regular monitoring of international service providers' privacy practices
• Encryption and security measures for all cross-border data transfers

Children's Privacy

Our budget education services are designed for adults and we do not knowingly collect personal information from children under 13 years of age. If we discover that we have collected information from a child under 13, we will promptly delete that information.

For students aged 13-18, we require parental consent before collecting personal information and provide additional protections for their privacy rights.

Changes to This Policy

We may update this Privacy Policy periodically to reflect changes in our practices, services, or legal requirements. When we make material changes, we'll:

• Post the updated policy on our website with a new effective date
• Send email notification to active users about significant changes
• Provide a summary of key changes in our communications
• Allow a reasonable period for you to review changes before they take effect

We encourage you to review this policy regularly to stay informed about how we protect your information.

Making a Complaint

If you believe we have mishandled your personal information, you can lodge a complaint with us directly. We'll investigate your concerns promptly and work to resolve any issues.

If you're not satisfied with our response, you have the right to contact the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au or call 1300 363 992.