Privacy Policy
Last updated: 15 January 2025
loynaperqix respects your privacy and is committed to protecting your personal information. This policy explains how we collect, use, store, and protect your data when you interact with our annual budgeting education services.
We operate under Australian privacy laws, including the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). This document outlines our practices in plain language so you understand exactly what happens with your information.
1. Information We Collect
When you use our services or visit our website, we collect different types of information depending on how you interact with us. Not all information is collected from every visitor.
Personal Information You Provide
This includes data you voluntarily share when signing up for programmes, contacting us, or participating in our educational content:
- Your name, email address, and phone number when you enquire about programmes
- Educational background and work experience during application processes
- Payment information for course enrolment (processed securely through third-party providers)
- Communication preferences and feedback submitted through our contact forms
- Any other information you choose to provide in correspondence with our team
Technical Information We Collect Automatically
When you visit our website, certain technical data is collected automatically through standard web technologies:
- IP address, browser type, and device information for security and analytics
- Pages visited, time spent on site, and navigation patterns
- Referring website information and search terms used to find us
- Operating system and screen resolution for optimising user experience
Important: We do not collect sensitive information such as health records, political opinions, or religious beliefs unless you explicitly provide it and it's necessary for a specific educational purpose you've consented to.
2. How We Use Your Information
Your information helps us deliver better educational experiences and maintain our service quality. Here's specifically what we do with the data we collect.
Primary Uses
- Processing your enrolment and managing your participation in educational programmes
- Communicating with you about course schedules, updates, and relevant information
- Responding to your enquiries and providing customer support
- Improving our website functionality and educational content based on usage patterns
- Sending newsletters and educational resources you've subscribed to receive
- Meeting legal obligations and maintaining accurate records
Marketing Communications
If you've opted in, we may send you information about upcoming programmes, industry insights, or relevant educational opportunities. You can unsubscribe from these communications at any time through the link in every email or by contacting us directly.
We don't sell your personal information to third parties. Period. We also don't use your data for purposes significantly different from what we've described here without getting your consent first.
3. Data Storage and Security
We take protecting your information seriously and use industry-standard practices to keep it secure.
Where We Store Your Data
Your personal information is primarily stored on secure servers located in Australia. Some data may be processed or stored overseas when we use international service providers (such as email platforms or cloud services), but we ensure these providers meet Australian privacy standards through contractual agreements.
Security Measures
- Encrypted connections (SSL/TLS) for all data transmission to and from our website
- Regular security audits and vulnerability assessments of our systems
- Access controls limiting who can view your personal information internally
- Secure password policies and multi-factor authentication for staff accounts
- Regular backups to prevent data loss from technical failures
While we implement strong security practices, no system is completely immune to breaches. If a data breach occurs that is likely to result in serious harm, we'll notify you and the Office of the Australian Information Commissioner as required by law.
4. Sharing Your Information
We only share your information when necessary for delivering our services or when required by law. Here's who might see your data and why.
| Recipient Type | Purpose | Examples |
|---|---|---|
| Service Providers | Technical infrastructure and support | Website hosting, email delivery, payment processing |
| Educational Partners | Programme delivery and credentials | Guest instructors, certification bodies (with your consent) |
| Professional Advisers | Legal and business operations | Lawyers, accountants, auditors (under confidentiality) |
| Government Authorities | Legal compliance | Tax authorities, regulators (when legally required) |
All third parties we work with are bound by confidentiality agreements and must handle your information according to Australian privacy laws. We don't give these parties permission to use your personal information for their own purposes.
5. Your Rights and Choices
Australian privacy law gives you several rights regarding your personal information. You're in control.
Access Your Information
You can request access to the personal information we hold about you at any time. We'll provide it within 30 days unless there's a legal reason we can't (which we'll explain). There's no charge for a standard access request, though we may charge a reasonable fee for complex or voluminous requests.
Correct Your Information
If any of your personal information is inaccurate, out of date, or incomplete, let us know and we'll update it. You can often update basic details yourself through your account settings if you're enrolled in a programme.
Delete Your Information
You can request deletion of your personal information in most cases. We'll comply unless we need to retain it for legal reasons (like tax records) or to complete a service you've requested. Even after deletion requests, some information may remain in backup systems for a limited period.
Object to Processing
You can object to certain uses of your information, particularly for marketing purposes. You can also restrict how we process your data in specific circumstances, such as while we're verifying its accuracy after you've raised a concern.
Making a Request: To exercise any of these rights, send an email to support@loynaperqix.com with "Privacy Request" in the subject line. We'll need to verify your identity before processing most requests to protect your information from unauthorised access.
6. Data Retention
We don't keep your information longer than necessary. Here's our general approach to retention periods.
Active Programme Participants
While you're enrolled in a programme, we keep all relevant information to deliver the educational service and maintain your records. This includes course materials, assessment results, and communication history.
After Programme Completion
We retain your educational records for seven years after programme completion. This lets us provide transcripts, verify credentials, and meet regulatory requirements. Contact information may be kept longer if you've consented to receive ongoing communications.
Financial Records
Payment and tax-related information is kept for seven years as required by Australian taxation law. After this period, financial records are securely destroyed.
Website Visitors
Technical data from website visits is typically kept for 24 months for analytics purposes, then aggregated or deleted. If you've only browsed our site without creating an account or enrolling, your data is retained for much shorter periods.
7. Cookies and Tracking Technologies
Our website uses cookies—small text files stored on your device—to improve functionality and understand how people use our site.
Types of Cookies We Use
Essential Cookies: These are necessary for the website to function properly. They remember your login status and security settings. You can't disable these through our site, though your browser settings may allow it (which might break some features).
Analytics Cookies: These help us understand which pages are popular, where visitors are coming from, and how people navigate our site. This information is used in aggregate form and doesn't identify you personally.
Preference Cookies: These remember your choices (like text size or region) to provide a more personalised experience on return visits.
Managing Cookies
Most browsers let you control cookies through their settings. You can block cookies entirely, delete existing ones, or set preferences for different websites. Be aware that disabling cookies may affect your experience on our site and others.
8. International Data Transfers
While we primarily store data in Australia, some information may be transferred overseas when we use international service providers.
When this happens, we ensure these transfers comply with Australian privacy law through mechanisms such as:
- Contractual clauses requiring overseas recipients to meet Australian privacy standards
- Verification that the overseas country has substantially similar privacy protections
- Your explicit consent where appropriate
Current overseas providers we use include email services and cloud storage platforms, primarily located in the United States and Europe. We regularly review these relationships to ensure ongoing compliance.
9. Children's Privacy
Our services are designed for adults. We don't knowingly collect personal information from anyone under 18 years of age without parental or guardian consent.
If you're under 18 and interested in our programmes, please have a parent or guardian contact us to discuss enrolment options and provide appropriate consent. If we discover we've inadvertently collected information from someone under 18 without proper consent, we'll delete it promptly.
10. Changes to This Policy
We review and update this privacy policy periodically to reflect changes in our practices, technology, or legal requirements. When we make significant changes, we'll notify you through:
- A prominent notice on our website for at least 30 days
- Email notification to active participants and subscribers
- Updated "Last updated" date at the top of this document
Minor changes (like fixing typos or clarifying existing practices) may not trigger notification but will be reflected in the updated date. We encourage you to review this policy periodically, especially before providing personal information.
11. Complaints and Disputes
If you believe we've mishandled your personal information or breached Australian privacy law, we want to know about it.
Internal Complaint Process
First, contact our privacy officer using the details below. We'll acknowledge your complaint within five business days and investigate the matter. You'll receive a detailed response within 30 days outlining our findings and any corrective action we're taking.
External Review
If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC). They're the independent national regulator for privacy matters in Australia. You can reach them at:
Office of the Australian Information
Commissioner
GPO Box 5218, Sydney NSW 2001
Phone: 1300 363 992
Website: www.oaic.gov.au
Contact Our Privacy Officer
Questions about this policy or how we handle your information? We're here to help.
loynaperqix
4/5 Town Centre Cct
Salamander Bay NSW 2317
Australia
When contacting us about privacy matters, please include your name, contact details, and a clear description of your enquiry or concern. We'll respond as quickly as possible, typically within five business days.