Who We Are and What This Policy Covers

screnavolex operates as a financial education organization based in Tasmania, Australia. We're bound by the Australian Privacy Principles under the Privacy Act 1988 (Cth), which means we follow strict rules about how we handle your information.

This policy covers all interactions you have with us—whether you're browsing our website, signing up for programs, contacting us through email, or participating in our educational offerings. If you're under 18, we'll need parental consent before collecting any personal information.

Information We Collect

Personal Details You Provide

When you reach out to us or express interest in our programs, we might collect:

• Your name, email address, and phone number when you fill out contact forms
• Educational background and financial literacy level to tailor program recommendations
• Payment information when you enroll in paid programs (processed through secure third-party providers)
• Communication preferences and feedback about our services
• Demographic information that helps us understand who we're serving

Information Collected Automatically

Like most websites, ours gathers some technical data when you visit:

• IP address and general location data (we don't track your exact whereabouts)
• Browser type, device information, and operating system
• Pages you visit and how long you spend on them
• Referring websites and search terms that brought you to us
• Cookies and similar technologies to improve your browsing experience

How We Use Your Information

We're pretty straightforward about this. Your information helps us:

We'll never sell your personal information to third parties. That's not how we operate, and it never will be.

Sharing Your Information

We keep your data pretty close to our chest, but there are situations where we need to share limited information:

Service Providers

We work with trusted third-party providers who help us run our operations—payment processors, email service providers, and website hosting companies. These partners can only use your information to provide services to us, not for their own purposes.

Legal Requirements

If Australian law requires it, or if we need to protect our rights or someone's safety, we might disclose information to authorities or legal representatives. We'll always try to notify you first unless prohibited by law.

Business Transitions

Should screnavolex merge with another organization or undergo restructuring, your information would transfer as part of that process. You'd be notified in advance and could request deletion if you prefer.

International Data Transfers

While we're based in Australia, some of our service providers operate overseas—particularly cloud storage and email platforms. When your information leaves Australia, we ensure those providers meet comparable privacy standards through contractual agreements and security measures.

Countries we currently work with include the United States and members of the European Union, which have established data protection frameworks. You have the right to request details about specific overseas transfers.

Data Security Measures

Protecting your information is something we take seriously. Our security approach includes:

• Encrypted connections (SSL/TLS) for all data transmission
• Secure servers with regular security patches and monitoring
• Access controls limiting who can view personal information
• Regular backups stored in secure, encrypted formats
• Staff training on privacy obligations and data handling

Your Rights and Choices

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

Access and Correction

You can request a copy of the personal information we hold about you. We'll provide this within 30 days, free of charge in most cases. If something's incorrect or outdated, let us know and we'll fix it promptly.

Deletion Requests

Want us to delete your information? We'll honor that request unless we're legally required to keep certain records (like financial transactions or tax documentation). Even then, we'll delete everything we're not obligated to retain.

Marketing Opt-Out

Every marketing email includes an unsubscribe link. Click it once and you're off the list—no questions asked. You'll still receive essential communications about programs you're enrolled in.

Objecting to Processing

If you believe we're using your information inappropriately, you can object. We'll review your concerns and either adjust our practices or explain why we believe the processing is legitimate.

Data Retention Periods

We don't keep information longer than necessary. Here's our general approach:

• Contact inquiries: Up to 2 years after your last interaction
• Program participant records: 7 years after program completion (tax and legal requirements)
• Financial transaction data: 7 years (Australian tax law requirement)
• Website analytics: Aggregated data kept indefinitely, individual data 26 months
• Marketing consent: Until you withdraw consent or 3 years of inactivity

After these periods, we either delete information or anonymize it so it can't be traced back to you.

Children's Privacy

Our programs are designed for adults. We don't knowingly collect personal information from anyone under 18 without parental consent. If you're a parent and believe your child has provided us information without permission, contact us immediately and we'll delete it.

For youth financial literacy programs we might develop in future years, we'd implement age-appropriate privacy practices and obtain verifiable parental consent before collecting any personal information.

Changes to This Policy

Financial education evolves, and so do privacy practices. We'll update this policy when necessary to reflect changes in our operations or legal requirements. Significant changes will be highlighted on our website for at least 30 days, and we'll email active participants.

The date at the top of this document shows when it was last revised. We recommend checking back occasionally if you're a regular visitor.

Complaints and Disputes

If you're concerned about how we've handled your personal information, please tell us first. We'll investigate thoroughly and respond within 30 days. Most issues can be resolved through direct discussion.

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). They're the independent authority overseeing privacy law compliance in Australia.

Third-Party Links

Our website occasionally links to external resources—financial industry publications, regulatory bodies, or educational partners. Once you click those links, you're subject to their privacy policies, not ours. We can't control how other organizations handle data, so review their policies if privacy matters to you.