Privacy Policy
We're committed to protecting your personal information and being transparent about how we collect, use, and share your data when you use phorilanquste's banking education services.
Last Updated: February 15, 20251 Information We Collect
When you interact with phorilanquste's platform, we collect various types of information to provide you with personalized banking education and improve our services. This includes information you provide directly and data we collect automatically.
Personal Information You Provide
- Name, email address, phone number, and postal address
- Educational background and professional experience details
- Learning preferences and course selections
- Financial literacy assessment responses
- Communication preferences and feedback
- Payment information for course enrollment (processed securely through third-party payment providers)
Automatically Collected Information
We automatically collect certain information when you use our platform, including device information, usage patterns, and technical data that helps us understand how you interact with our educational content.
- IP address, browser type, and device characteristics
- Pages visited, time spent on content, and navigation patterns
- Course progress, completion rates, and assessment scores
- Cookies and similar tracking technologies data
- Referral sources and search terms used to find our platform
2 How We Use Your Information
We use your personal information to deliver quality banking education services, personalize your learning experience, and maintain the security of our platform. Our use of your data is always aligned with the purposes for which it was collected.
| Purpose | Information Used | Legal Basis (GDPR) |
|---|---|---|
| Course delivery and progress tracking | Account details, learning preferences, progress data | Contract performance |
| Platform improvement and analytics | Usage data, feedback, technical information | Legitimate interests |
| Customer support and communication | Contact information, support inquiries | Contract performance |
| Marketing and course recommendations | Learning history, preferences, contact details | Consent or legitimate interests |
Personalization and Recommendations
We analyze your learning patterns and preferences to suggest relevant courses and content. This helps us create a more effective educational experience tailored to your individual needs and banking knowledge level.
3 Data Sharing and Third Parties
We're selective about who we share your information with and only do so when necessary to provide our services or when required by law. We never sell your personal data to third parties for their marketing purposes.
Service Providers We Work With
- Payment Processors: Secure handling of payment information for course enrollment
- Email Service Providers: Delivery of course updates, notifications, and educational content
- Cloud Storage Services: Secure storage and backup of your learning data and progress
- Analytics Platforms: Understanding user behavior to improve our educational offerings
- Customer Support Tools: Managing and responding to your inquiries effectively
Legal Requirements and Business Transfers
We may disclose your information when required by Australian law, court orders, or regulatory requirements. In the event of a business merger, acquisition, or sale of assets, your information may be transferred as part of that transaction, with appropriate safeguards in place.
4 Your Rights and Choices
Under Australian privacy laws and international regulations like GDPR, you have specific rights regarding your personal information. We're committed to honoring these rights and making it easy for you to control your data.
Access and Control Rights
- Access: Request a copy of all personal information we hold about you
- Rectification: Correct any inaccurate or incomplete information
- Erasure: Request deletion of your personal data (subject to certain limitations)
- Portability: Receive your data in a structured, machine-readable format
- Restriction: Limit how we process your information in certain circumstances
- Objection: Object to processing based on legitimate interests or for marketing purposes
How to Exercise Your Rights
To exercise any of these rights, contact our privacy team at info@phorilanquste.com with your request. We'll respond within 30 days and may need to verify your identity to protect your information. There's no charge for most requests, though we may charge a reasonable fee for excessive or repetitive requests.
5 Data Security and Retention
We implement comprehensive security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. Our security practices include both technical and organizational safeguards.
Security Measures
- SSL/TLS encryption for data transmission
- Regular security audits and vulnerability assessments
- Access controls and employee training on data protection
- Secure data centers with physical access controls
- Regular data backups with encrypted storage
- Incident response procedures for potential security breaches
Data Retention Periods
We retain your personal information only as long as necessary to fulfill the purposes outlined in this policy or as required by law. Generally, we keep account information for seven years after account closure, learning progress data for five years, and marketing preferences until you withdraw consent.
6 Cookies and Tracking Technologies
We use cookies and similar technologies to enhance your experience on our platform, remember your preferences, and analyze how you interact with our content. You have control over cookie settings and can manage them through your browser.
| Cookie Type | Purpose | Retention Period |
|---|---|---|
| Essential Cookies | Core functionality, security, login sessions | Session or up to 1 year |
| Performance Cookies | Analytics, site optimization, error tracking | Up to 2 years |
| Functional Cookies | Preferences, language settings, customization | Up to 1 year |
| Marketing Cookies | Personalized content, course recommendations | Up to 13 months |
7 International Data Transfers
While phorilanquste operates primarily in Australia, some of our service providers may be located overseas. When we transfer your personal information internationally, we ensure appropriate safeguards are in place to protect your data according to Australian privacy standards.
Countries Where Data May Be Processed
- United States (cloud storage and email services)
- European Union (analytics and support tools)
- Singapore (backup and disaster recovery)
Transfer Safeguards
We only work with international service providers who demonstrate adequate data protection standards through certification schemes, contractual commitments, or other appropriate safeguards recognized under Australian privacy law.
8 Changes to This Policy
We may update this privacy policy from time to time to reflect changes in our practices, services, or legal requirements. We'll notify you of significant changes through email or prominent notice on our platform, and the updated policy will be effective immediately upon posting.
How We Notify You of Changes
- Email notification to registered users for material changes
- Prominent banner on the platform highlighting policy updates
- Updated "Last Modified" date at the top of this policy
- Detailed changelog available upon request
Questions About Your Privacy?
If you have questions about this privacy policy or how we handle your personal information, we'd be happy to help. Our privacy team is available to address your concerns and assist with any data-related requests.
For formal privacy complaints, you may also contact the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au