When you sign up for our programs or contact us, we collect certain information. Some of it you give us directly. Other bits we gather automatically as you use our website.

Personal Information You Provide

• Your name, email address, and phone number when you register or enquire
• Mailing address if you're enrolling in our learning programs
• Payment details when you purchase a course (processed securely through our payment provider)
• Any information you share in forms, surveys, or direct communications with us
• Educational background and goals you mention during enrolment

Information Collected Automatically

• Your IP address and general location (city/region level)
• Browser type, device information, and operating system
• Pages you visit on our site and how long you stay
• Where you came from before landing on our website
• Cookies and similar tracking technologies (more on this below)

We don't collect data just for the sake of it. Everything we gather serves a purpose related to providing you with quality financial education.

• To process your enrolment and deliver course materials
• To answer your questions and provide support
• To send you important updates about your courses or schedule changes
• To improve our website and make it easier to use
• To understand which topics interest our students most
• To comply with legal requirements and protect against fraud
• To send occasional emails about new programs (you can opt out anytime)

We won't sell your personal information to third parties. That's not how we operate.

Sometimes we need to share your information with trusted partners who help us run our business. Here's who might see your data:

Service Providers

We work with companies that help us deliver our services. These include:

• Payment processors who handle transactions securely
• Email service providers who help us send course updates
• Hosting companies that keep our website running
• Analytics tools that show us how people use our site

These partners can only use your data to help us provide services to you. They can't use it for their own purposes.

Legal Requirements

We might share your information if required by law, like responding to a court order or government request. We'll only do this when legally obligated.

Business Transfers

If novarethiqo merges with another company or gets acquired, your information would transfer to the new owners. We'd notify you before this happens.

Like most websites, we use cookies. They're small files that help our site remember your preferences and understand how you use it.

Types of Cookies We Use

You can disable cookies in your browser settings, but some parts of our website might not work as smoothly.

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

• Access: You can ask to see what personal data we hold about you
• Correction: If something's wrong or outdated, let us know and we'll fix it
• Deletion: You can request we delete your information (with some exceptions for legal requirements)
• Opt-out: Unsubscribe from marketing emails anytime
• Complaint: If you're unhappy with how we've handled your data, you can lodge a complaint

To exercise any of these rights, just send us an email at help@novarethiqo.com. We'll respond within 30 days.

We use industry-standard security measures to protect your information from unauthorized access, loss, or misuse.

• All data transmitted to our servers is encrypted using SSL/TLS protocols
• Payment information is processed through PCI-compliant providers
• Our staff only access personal data when necessary for their job
• We regularly update our security practices to address new threats
• Passwords are hashed and stored securely

That said, no system is 100% secure. While we do our best to protect your data, we can't guarantee absolute security. Use strong passwords and don't share your login details with anyone.

We keep your personal information for as long as necessary to provide our services and meet legal requirements.

How Long We Keep Different Types of Data

• Account information: For the duration of your account plus 7 years for tax and legal purposes
• Course records: 7 years after completion (educational record-keeping requirements)
• Payment records: 7 years (Australian tax law requirements)
• Marketing contacts: Until you unsubscribe, then removed within 30 days
• Website analytics: 26 months, then anonymized

Once we no longer need your information, we'll delete it securely or anonymize it so it can't be linked back to you.

Our services are designed for adults. We don't knowingly collect information from anyone under 18 without parental consent.

If you're a parent and discover your child has provided us with personal information without your permission, please contact us. We'll delete it promptly.

Some of our service providers are based outside Australia. When we transfer your data internationally, we make sure it's protected by:

• Using providers that comply with recognized privacy frameworks
• Implementing contractual protections that require proper data handling
• Ensuring data is encrypted during transfer

If you're concerned about international transfers, contact us to discuss your specific situation.

Our website might contain links to other sites. Once you click through to another site, this privacy policy no longer applies.

We're not responsible for the privacy practices of other websites. Always read their privacy policies before sharing your information.

We comply with the 13 Australian Privacy Principles (APPs) set out in the Privacy Act 1988. These principles govern how we collect, use, disclose, and store your personal information.

If you believe we've breached the APPs, you can lodge a complaint with us first. If you're not satisfied with our response, you can contact the Office of the Australian Information Commissioner (OAIC).