Privacy Policy
Last Updated: 15 February 2025
At goranexlivo, we take your privacy seriously. This document explains how we collect, use, store, and protect your personal information when you interact with our financial education services.
We're based in Australia and comply with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). If you're not familiar with these regulations, don't worry – we'll walk you through everything in plain language.
What Information We Collect
When you engage with our services, we collect different types of information depending on how you interact with us. Here's what we typically gather:
Contact Details
Your name, email address, phone number, and postal address when you reach out or sign up for our programs.
Learning Information
Course progress, assessment results, participation records, and feedback you provide during your educational journey.
Technical Data
IP address, browser type, device information, and how you navigate through our website to improve your experience.
Payment Information
Billing details and transaction records when you enroll in paid programs. Note that credit card information is processed by our payment provider.
We don't collect sensitive information like health records or criminal history unless you specifically provide it and it's relevant to your educational needs.
How We Use Your Information
We're pretty straightforward about why we need your data. Everything we collect serves a specific purpose:
- Delivering our financial education programs and customer service support
- Communicating with you about course updates, schedules, and important announcements
- Processing your enrollment and managing your account details
- Improving our courses based on feedback and learning patterns we observe
- Sending you relevant educational resources and program information you've requested
- Meeting our legal obligations, including financial record-keeping requirements
- Protecting against fraud and maintaining the security of our platform
We won't use your information for purposes beyond what we've outlined here without getting your consent first.
Sharing Your Information
We don't sell your personal data to anyone. That's not our business model, and it never will be. However, we do share information with specific third parties who help us deliver our services:
Service Providers
We work with companies that handle things like payment processing, email delivery, website hosting, and customer support systems. These providers only access the information they need to do their job, and they're contractually bound to protect your data.
Educational Partners
If you're enrolled through a corporate program, we may share your progress information with your employer or the organization sponsoring your education. We'll always let you know when this applies.
Legal Requirements
Sometimes we're required by law to disclose information – for example, if we receive a valid subpoena or court order. We'll only share what's legally required and will notify you when possible.
We conduct due diligence on all third parties before sharing your data and ensure they maintain privacy standards consistent with Australian law.
Your Privacy Rights
Australian privacy law gives you several important rights regarding your personal information. Here's what you can do:
Rights You Can Exercise
- Access: Request a copy of the personal information we hold about you
- Correction: Ask us to update or correct inaccurate information
- Deletion: Request deletion of your data, subject to our legal retention requirements
- Restriction: Limit how we use certain pieces of your information
- Objection: Object to specific processing activities, particularly for marketing purposes
- Portability: Receive your data in a structured, commonly used format
How to Make a Request
Send us an email at support@goranexlivo.com with "Privacy Request" in the subject line. Include your full name and the specific right you want to exercise. We'll respond within 30 days, though we usually get back to people much faster.
There's no charge for most requests, but we may charge a reasonable fee if your request is particularly complex or repetitive.
Data Security Measures
Protecting your information is something we take very seriously. We've implemented multiple layers of security:
- All data transmitted between your device and our servers is encrypted using industry-standard SSL/TLS protocols
- We use secure, password-protected databases with restricted access controls
- Our staff receives regular training on privacy and security best practices
- We conduct regular security audits and vulnerability assessments
- Multi-factor authentication protects administrative access to our systems
- We maintain backup systems to prevent data loss while ensuring backups are equally protected
Despite our best efforts, no system is completely foolproof. If we ever experience a data breach that affects your information, we'll notify you promptly and work with relevant authorities as required by law.
How Long We Keep Your Data
We don't keep your information longer than necessary. The retention period depends on the type of data and why we collected it:
Active Student Records
While you're enrolled in our programs and for two years after completion, we maintain comprehensive records to support your ongoing learning and provide certificates or transcripts.
Financial Records
Australian tax law requires us to keep financial records for seven years. This includes enrollment payments, invoices, and related transaction documentation.
Marketing Communications
We'll keep your contact information for marketing purposes until you unsubscribe or ask us to delete it. You can opt out at any time.
Technical Logs
Website analytics and technical logs are typically retained for 12 months, then automatically deleted unless needed for security investigations.
When we no longer need your information, we securely delete or anonymize it so it can't be traced back to you.
Cookies and Tracking Technologies
Our website uses cookies and similar technologies to function properly and improve your experience. Most of these are pretty standard:
- Essential Cookies: Required for basic site functionality like maintaining your login session
- Analytics Cookies: Help us understand how visitors use our site so we can make improvements
- Preference Cookies: Remember your settings and choices for future visits
You can control cookies through your browser settings, but disabling certain cookies might affect how our website works for you.
International Data Transfers
Your information is primarily stored on servers located in Australia. However, some of our service providers operate internationally, which means your data might be processed outside Australia.
When we transfer data internationally, we ensure appropriate safeguards are in place, such as standard contractual clauses or certification under recognized frameworks. We only work with providers in countries with adequate privacy protections or who agree to maintain Australian privacy standards.
Children's Privacy
Our services are designed for adults aged 18 and over. We don't knowingly collect information from anyone under 18 without parental consent. If you're a parent and believe your child has provided us with personal information, please contact us immediately so we can delete it.
Changes to This Policy
We update this privacy policy occasionally to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you via email or a prominent notice on our website.
The "Last Updated" date at the top of this page shows when the most recent version was published. We encourage you to review this policy periodically, especially before providing us with new personal information.
Making a Complaint
If you're concerned about how we've handled your personal information, we want to hear about it. Contact our privacy team first, and we'll work to resolve your concern promptly.
If you're not satisfied with our response, you have the right to lodge a complaint with the Office of the Australian Information Commissioner (OAIC). You can reach them at:
- Website: www.oaic.gov.au
- Phone: 1300 363 992
- Email: enquiries@oaic.gov.au