Privacy Policy

Information We Collect

pharenixoluto collects information that you provide directly to us when you create an account, use our financial education services, or communicate with us. This includes personal details such as your name, email address, phone number, and postal address when you register for our programs.

We automatically collect certain information about your device and how you interact with our platform. This includes your IP address, browser type, operating system, pages you visit, time spent on pages, and the dates and times of your visits. We use cookies and similar tracking technologies to gather this information.

• Account registration information (name, email, phone)
• Educational progress and course completion data
• Communication preferences and marketing choices
• Technical information about your device and browsing behavior
• Payment and billing information for program enrollments

How We Use Your Information

Your personal information helps us provide, maintain, and improve our financial education services. We use your data to deliver course content, track your learning progress, and provide personalized educational recommendations based on your interests and goals.

We send you important updates about our services, policy changes, and educational content that might interest you. You can opt out of marketing communications at any time, though we'll still send essential service-related messages about your account and enrollments.

Information Sharing and Disclosure

We don't sell, rent, or trade your personal information to third parties for their marketing purposes. However, we may share your information with trusted service providers who help us operate our platform, process payments, or deliver educational content to you.

These service providers include payment processors, email service providers, analytics companies, and cloud hosting services. All our partners are contractually required to keep your information secure and use it only for the specific services they provide to us.

If pharenixoluto undergoes a business transaction such as a merger, acquisition, or asset sale, your information may be transferred as part of that transaction. We'll notify you of any such change in ownership or control of your personal information.

Your Privacy Rights

Under Australian privacy law, you have several rights regarding your personal information. You can access, update, or delete your personal data at any time through your account settings or by contacting our privacy team directly.

You have the right to know what personal information we hold about you, how we use it, and who we share it with. You can request a copy of your data in a portable format, and you can ask us to correct any inaccurate information we have on file.

• Request access to your personal information
• Correct inaccurate or incomplete data
• Delete your account and associated data
• Restrict certain types of data processing
• Object to marketing communications
• Download your data in a portable format

To exercise any of these rights, contact us using the information provided below. We'll respond to your request within 30 days and may need to verify your identity before processing certain requests.

Data Security and Retention

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. Our security practices include data encryption, secure servers, regular security assessments, and staff training on privacy protection.

We retain your personal information for as long as necessary to provide our services and fulfill the purposes outlined in this policy. Account information is typically retained for the duration of your relationship with us, plus a reasonable period afterward to comply with legal obligations and resolve disputes.

Financial and payment information is retained according to Australian tax and business record requirements. Course progress and educational data may be retained longer to help us improve our programs and provide ongoing support to alumni.

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance your browsing experience, analyze site usage, and deliver personalized content. Cookies are small data files stored on your device that help us remember your preferences and improve site functionality.

We use both session cookies (which expire when you close your browser) and persistent cookies (which remain on your device until deleted). You can control cookie settings through your browser preferences, though disabling certain cookies may affect site functionality.

• Essential cookies for basic site functionality
• Analytics cookies to understand site usage patterns
• Preference cookies to remember your settings
• Marketing cookies for relevant advertising (with your consent)

International Data Transfers

While pharenixoluto is based in Australia and primarily serves Australian users, 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.

We only work with overseas providers who offer adequate privacy protections or who have entered into contracts with us that require them to protect your information according to Australian privacy standards. Currently, some of our cloud services are hosted in the United States and Singapore.

Children's Privacy

Our financial education services are designed for adults aged 18 and over. We don't knowingly collect personal information from children under 18 years of age. If we discover that we've accidentally collected information from someone under 18, we'll delete it immediately.

Parents or guardians who believe their child has provided personal information to us should contact our privacy team immediately so we can remove the information from our systems.

Policy Updates

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'll notify you by email or through a prominent notice on our website at least 30 days before the changes take effect.

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