Privacy Policy

Last Updated: January 15, 2025

Introduction and Commitment

At opalinervio, we understand that building financial foundations requires trust. When you share your personal information with us, you're placing confidence in our ability to protect and respect your privacy. This isn't something we take lightly.

This privacy policy explains how we collect, use, store, and protect your personal information when you interact with our financial education services. We operate under Australian privacy laws, including the Privacy Act 1988 and the Australian Privacy Principles (APPs).

We believe transparency builds trust. That's why we've written this policy in plain English, without legal jargon that obscures what we actually do with your information.

Information We Collect

We collect different types of information depending on how you interact with our services. Here's what we gather and why:

Contact Information

Your name, email address, phone number, and mailing address when you enquire about our programs or register for courses.

Educational Background

Your current financial knowledge level, educational goals, and previous learning experiences to tailor our programs.

Technical Information

IP address, browser type, device information, and website usage patterns to improve our online experience.

Communication Records

Emails, phone calls, and messages you send us, including feedback about our services and support requests.

How We Collect Information

  • Directly from you through forms, calls, and emails
  • Through your use of our website and online learning platform
  • When you attend our events or webinars
  • Through cookies and similar tracking technologies on our website

How We Use Your Information

Your personal information serves specific purposes that directly benefit your learning experience:

Educational Services

We use your information to provide personalized financial education, track your progress through our programs, and offer relevant learning resources. This includes sending course materials, scheduling sessions, and providing ongoing support.

Communication and Support

We contact you about your enrollment, send program updates, respond to your questions, and provide technical support when needed. You'll also receive important information about changes to our services or policies.

Service Improvement

We analyze how people use our website and programs to identify areas for improvement. This helps us create better content, fix technical issues, and develop new educational resources.

Legal and Administrative

Sometimes we need to use your information for legal compliance, such as maintaining records required by Australian education regulations or responding to lawful requests from authorities.

Information Sharing and Disclosure

We don't sell your personal information. Period. However, there are specific situations where we may share your information with others:

Service Providers

We work with trusted third-party companies that help us deliver our services. This includes our learning management system provider, email service provider, and payment processor. These companies can only use your information for the specific services they provide to us.

Educational Partners

If you enroll in programs delivered in partnership with other organizations, we may share relevant information with those partners to facilitate your learning experience.

Legal Requirements

We may disclose your information if required by law, such as responding to a court order, subpoena, or government investigation. We may also share information to protect our rights, property, or safety, or that of our students and staff.

Important Note

Before sharing your information with any third party, we ensure they have appropriate privacy protections in place. We require our service providers to sign agreements that restrict how they can use your information.

Your Privacy Rights

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

Access Your Information

You can request a copy of the personal information we hold about you. We'll provide this within 30 days, though we may charge a reasonable fee for extensive requests.

Correct Inaccurate Information

If you believe we have incorrect information about you, let us know. We'll investigate and correct any errors promptly.

Request Deletion

In certain circumstances, you can ask us to delete your personal information. We'll comply unless we have a legal obligation to retain the information.

Restrict Processing

You can ask us to limit how we use your information in specific situations, such as when you dispute the accuracy of the information.

Withdraw Consent

If we're processing your information based on your consent, you can withdraw that consent at any time. This won't affect any processing we've already done.

To exercise these rights, contact us at contact@opalinervio.com or call +61742761812.

Data Security and Protection

We take data security seriously. Your information is protected through multiple layers of security:

SSL Encryption
Secure Servers
Access Controls
Regular Backups
Staff Training
Security Monitoring

Physical Security

Our offices at 3/539 Hume St & Kiewa St, South Albury NSW 2640 have restricted access, and we ensure that paper records are stored securely and disposed of safely when no longer needed.

Digital Security

We use industry-standard encryption to protect information transmitted between your device and our servers. Our systems are regularly updated and monitored for security vulnerabilities.

Staff Access

Only authorized staff members can access your personal information, and only when necessary for their job duties. All staff receive privacy training and sign confidentiality agreements.

Data Retention and Deletion

We don't keep your information forever. Here's how long we retain different types of data:

Student Records

Course enrollment, progress, and completion records: 7 years after course completion (required by Australian education regulations)

Marketing Information

Contact details for marketing purposes: Until you unsubscribe or request deletion, reviewed every 3 years

Website Analytics

Usage data and cookies: 26 months from collection

Communication Records

Emails and support requests: 3 years from last contact

When we delete your information, we ensure it's completely removed from our systems, including backups. In some cases, we may retain anonymized data for statistical purposes.

Cookies and Online Tracking

Our website uses cookies to improve your experience and help us understand how people use our services.

Essential Cookies

These cookies are necessary for our website to function properly. They enable basic features like secure login and remember your preferences during your visit.

Analytics Cookies

We use Google Analytics to understand how visitors interact with our website. This helps us identify popular content and technical issues.

Marketing Cookies

These cookies help us show you relevant information about our programs when you visit other websites. You can opt out of these through your browser settings.

You can control cookies through your browser settings, though disabling some cookies may affect your experience on our website.

International Data Transfers

Some of our service providers are located outside Australia. When we transfer your information internationally, we ensure appropriate protections are in place:

Approved Countries

We may transfer information to countries that the Australian Privacy Commissioner has determined have adequate privacy protections.

Contractual Protections

For transfers to other countries, we use standard contractual clauses that require the recipient to protect your information to the same standard as Australian law.

Your Consent

By using our services, you consent to these international transfers under the protections described above.

Changes to This Policy

We review and update this privacy policy regularly to ensure it remains accurate and reflects any changes in our practices or legal requirements.

When we make significant changes, we'll notify you by email (if we have your email address) and post a notice on our website. The updated policy will include a new "last updated" date at the top.

We encourage you to review this policy periodically, especially before providing us with new personal information or using new services.

For minor updates that don't affect how we handle your information, we may update the policy without individual notification.

Privacy Questions and Complaints

If you have questions about this privacy policy or how we handle your information, we're here to help.

Contact our Privacy Officer:

Email: contact@opalinervio.com

Phone: +61742761812

Mail: 3/539 Hume St & Kiewa St, South Albury NSW 2640, Australia

If you're not satisfied with our response to your privacy concern, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au or call 1300 363 992.