Introduction and Overview

Nuvorilitho ("we," "our," or "us") operates nuvorilitho.com and provides financial planning education services. This privacy policy explains how we collect, use, store, and protect your personal information when you visit our website or engage with our educational programs.

We respect your privacy and are committed to protecting your personal data. This policy will help you understand your privacy rights and how the law protects you under Australian Privacy Principles (APPs) contained in the Privacy Act 1988 (Cth).

Information We Collect

Personal Information You Provide

When you interact with our services, we may collect:

• Name and contact details (email address, phone number, postal address)
• Educational background and professional experience
• Learning preferences and goals
• Payment information for course enrollment
• Communication records when you contact us
• Survey responses and feedback

Information Collected Automatically

Our website automatically collects certain technical information:

• IP address and device identifiers
• Browser type and operating system
• Pages visited and time spent on our site
• Referral sources and search terms
• Cookie and tracking technology data

How We Use Your Information

We process your personal information for several legitimate purposes:

Educational Services

• Delivering our financial planning courses and webinars
• Tracking your learning progress and providing personalized feedback
• Issuing certificates and maintaining educational records
• Facilitating peer interaction in group learning environments

Communication and Support

• Responding to your inquiries and providing customer support
• Sending course updates, schedules, and important announcements
• Sharing relevant educational content and industry insights
• Conducting satisfaction surveys to improve our services

Business Operations

• Processing payments and managing financial transactions
• Analyzing website usage to enhance user experience
• Complying with legal and regulatory obligations
• Protecting against fraud and maintaining security

Information Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. However, we may share your information in limited circumstances:

Service Providers

We work with trusted third-party service providers who assist us in:

• Web hosting and technical infrastructure (servers located in Australia)
• Payment processing through secure, PCI-compliant systems
• Email delivery services for course communications
• Learning management system functionality
• Customer support and helpdesk services

Legal Requirements

We may disclose your information when required by law or to:

• Comply with court orders, subpoenas, or regulatory requests
• Protect our rights, property, or safety
• Investigate potential fraud or security breaches
• Enforce our terms of service or user agreements

Business Transfers

In the unlikely event of a merger, acquisition, or sale of our business, your information may be transferred to the new entity. You would be notified of any such change via email and our website.

Data Security and Protection

We implement comprehensive security measures to protect your personal information:

Technical Safeguards

• SSL/TLS encryption for all data transmission
• Secure server infrastructure with regular security updates
• Encrypted database storage for sensitive information
• Multi-factor authentication for staff access
• Regular security audits and vulnerability assessments

Operational Security

• Limited staff access to personal data on a need-to-know basis
• Regular privacy and security training for all team members
• Secure document handling and disposal procedures
• Incident response procedures for potential data breaches

Your Privacy Rights

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

Access and Correction

• Request a copy of the personal information we hold about you
• Ask us to correct any inaccurate or incomplete information
• Receive information about how we've shared your data
• Understand the purposes for which we process your information

Control and Deletion

• Opt out of marketing communications at any time
• Request deletion of your personal information (subject to legal requirements)
• Object to certain types of data processing
• Request transfer of your data to another educational provider

How to Exercise Your Rights

To exercise any of these rights, please contact us using the information provided below. We will respond to your request within 30 days and may ask you to verify your identity for security purposes.

Cookies and Tracking Technologies

Essential Cookies

We use essential cookies that are necessary for our website to function properly. These cannot be disabled and include:

• Session cookies for maintaining login status
• Security cookies for fraud prevention
• Load balancing cookies for site performance

Analytics and Performance Cookies

With your consent, we use analytics cookies to understand how visitors use our website:

• Page views and popular content identification
• User journey analysis to improve site navigation
• Error tracking and performance monitoring
• Course completion rates and engagement metrics

Managing Your Cookie Preferences

You can control cookie settings through your browser preferences. However, disabling certain cookies may affect website functionality. We provide a cookie consent banner where you can adjust your preferences for non-essential cookies.

International Data Transfers

Your personal information is primarily stored and processed within Australia. However, some of our service providers may process data internationally:

• Cloud hosting services with data centers in Australia and New Zealand
• Email delivery services that may route through international servers
• Customer support tools that may store data in secure overseas facilities

When we transfer data internationally, we ensure appropriate safeguards are in place through:

• Contracts requiring overseas providers to meet Australian privacy standards
• Certification schemes demonstrating adequate data protection
• Regular reviews of international service provider security practices

Children's Privacy

Our educational services are designed for adults aged 18 and over. We do not knowingly collect personal information from children under 18 years of age. If we become aware that we have collected information from a child under 18, we will take steps to delete that information promptly.

If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately so we can address the situation appropriately.

Changes to This Privacy Policy

We may update this privacy policy from time to time to reflect changes in our practices, technology, or legal requirements. When we make significant changes, we will:

• Post the updated policy on our website with a new "last updated" date
• Send email notifications to current students and recent website users
• Highlight key changes in our course announcements
• Provide a grace period before significant changes take effect

We encourage you to review this policy periodically to stay informed about how we protect your information. Continued use of our services after policy updates indicates your acceptance of the changes.