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tipopiraavelo

Financial modeling expertise for professionals

Privacy Policy

Last Updated: March 2025

At tipopiraavelo, we take your privacy seriously. This policy explains how we collect, use, and protect your personal information when you interact with our financial modeling education services. We're based in Australia and follow the Australian Privacy Principles under the Privacy Act 1988.

Information We Collect

We collect different types of information depending on how you engage with our services. Some information you give us directly, while other data is collected automatically when you use our website.

Personal Information You Provide

  • Contact Details: Your name, email address, phone number, and mailing address when you register for courses or contact us
  • Account Information: Username, password, and preferences when you create a learning account
  • Payment Information: Billing details and transaction data processed through our secure payment providers
  • Educational Records: Your progress through courses, assessment results, and completion certificates
  • Communication Records: Messages you send us through contact forms, email, or customer support channels
  • Professional Background: Career information and educational history you choose to share with us

Automatically Collected Data

  • Usage Information: How you navigate our site, which pages you visit, and how long you spend on different sections
  • Device Data: Your IP address, browser type, operating system, and device identifiers
  • Location Information: General geographic location based on your IP address
  • Cookies and Tracking: Data collected through cookies and similar technologies to improve your experience

How We Use Your Information

We use your personal information for specific purposes related to providing and improving our educational services. Here's what we do with the data we collect:

Purpose Description
Service Delivery Providing access to courses, tracking your progress, and issuing certificates
Communication Sending course updates, responding to inquiries, and providing customer support
Payment Processing Processing transactions and managing billing for course enrollments
Improvement Analyzing usage patterns to enhance our courses and website functionality
Security Protecting against fraud, unauthorized access, and maintaining system integrity
Legal Compliance Meeting regulatory requirements and responding to legal requests

Marketing Communications: We may send you information about new courses and updates, but you can opt out anytime. We won't sell your email address to third parties or spam you with irrelevant content.

Data Sharing and Disclosure

We don't sell your personal information. However, we do share data with certain parties to deliver our services effectively:

  • Service Providers: We work with third-party companies for payment processing, email delivery, and website hosting. These providers can only use your data to perform services on our behalf.
  • Educational Partners: If you're taking courses through a corporate program, we may share your progress with your employer or sponsoring organization.
  • Legal Requirements: We'll disclose information when required by Australian law, court orders, or to protect our legal rights.
  • Business Transfers: If tipopiraavelo is acquired or merged with another company, your information may transfer to the new owners, who must continue to honor this privacy policy.

We ensure all third parties we work with maintain appropriate security standards and comply with Australian privacy laws.

Your Privacy Rights

Under Australian privacy law, you have several rights regarding your personal information. Here's what you can do:

Access Your Data

Request a copy of all personal information we hold about you. We'll provide this within 30 days.

Correct Information

Ask us to update or correct inaccurate personal information in our records.

Delete Your Data

Request deletion of your personal information, subject to legal retention requirements.

Opt-Out Options

Unsubscribe from marketing emails or restrict certain types of data processing.

Data Portability

Receive your data in a structured format that can be transferred to another service.

File a Complaint

Lodge a complaint with us or the Office of the Australian Information Commissioner.

How to Exercise Your Rights: Send your request to support@tipopiraavelo.com with "Privacy Request" in the subject line. Include your full name and account details so we can verify your identity. We'll respond within 30 days and won't charge you for most requests.

Data Security and Protection

We take reasonable steps to protect your personal information from misuse, interference, loss, unauthorized access, modification, or disclosure. But let's be honest about this – no system is completely foolproof.

Security Measures We Use

  • SSL encryption for all data transmitted between your browser and our servers
  • Encrypted storage for sensitive personal and payment information
  • Regular security audits and vulnerability assessments
  • Restricted access to personal information on a need-to-know basis
  • Multi-factor authentication for staff accessing sensitive systems
  • Regular backups with secure off-site storage

While we implement industry-standard security practices, you also play a role in protecting your information. Keep your password secure, don't share account credentials, and log out after using shared devices.

Data Retention and Deletion

We keep your personal information only as long as necessary for the purposes outlined in this policy. Different types of data have different retention periods:

  • Account Information: Retained while your account is active, plus seven years after closure for financial record-keeping requirements
  • Course Records: Educational progress and certificates are kept indefinitely to verify your completion status if needed in the future
  • Payment Records: Financial transaction data is retained for seven years to comply with Australian tax laws
  • Marketing Data: Deleted within 90 days after you unsubscribe from communications
  • Website Analytics: Aggregated usage data is retained for two years, then archived or deleted
  • Support Inquiries: Customer service records are kept for three years for quality assurance purposes

When we delete your data, we do so securely to prevent recovery. Some information may remain in backup systems for up to 90 days before being permanently removed.

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to improve functionality and understand how you use our services. You can control cookie settings through your browser, though this may affect site features.

Types of Cookies We Use

  • Essential Cookies: Required for basic site functionality like logging in and accessing course materials
  • Performance Cookies: Help us understand which pages are popular and identify technical issues
  • Functional Cookies: Remember your preferences and settings for a better experience
  • Analytics Cookies: Provide insights into user behavior to help us improve our courses

We don't use advertising or tracking cookies that follow you around the internet. Our analytics are focused solely on improving the learning experience on our own platform.

International Data Transfers

While tipopiraavelo operates in Australia, some of our service providers are based overseas. This means your personal information may be transferred to and stored in countries outside Australia, including the United States and Singapore.

When we transfer data internationally, we ensure these countries have adequate privacy protections or implement safeguards like standard contractual clauses. We only work with providers who maintain security standards comparable to Australian requirements.

Your information may be accessed by support staff in different time zones to provide assistance, but all personnel are bound by confidentiality agreements and trained in privacy practices.

Children's Privacy

Our services are designed for adults and we don't knowingly collect personal information from anyone under 18 years old. If you're under 18, please don't register for courses or provide personal information without parental consent.

If we discover we've inadvertently collected information from someone under 18, we'll delete it promptly. Parents who believe their child has provided information to us should contact us immediately at support@tipopiraavelo.com.

Changes to This Privacy Policy

We may update this privacy policy from time to time to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you by email or through a prominent notice on our website at least 30 days before the changes take effect.

The current version will always be available on this page with the last updated date at the top. We encourage you to review this policy periodically, especially before providing new personal information.

Continued use of our services after policy changes means you accept the updated terms. If you don't agree with changes, you can close your account and request deletion of your data.

Contact Us About Privacy

If you have questions about this privacy policy, want to exercise your privacy rights, or need to report a concern, please reach out to us:

Email

support@tipopiraavelo.com

Phone

+61 404 368 885

Mailing Address

4 Gurwood St, Wagga Wagga NSW 2650, Australia

We aim to respond to all privacy inquiries within five business days. For urgent matters involving potential data breaches or security concerns, please mark your communication as "Urgent Privacy Matter."

Australian Privacy Commissioner: If you're not satisfied with our response to a privacy complaint, you can contact the Office of the Australian Information Commissioner at www.oaic.gov.au or phone 1300 363 992.