Privacy Policy

loranphivex ("we," "us," or "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website loranphivex.sbs, use our financial education services, or engage with our startup guidance programs.

This policy applies to all users of our services, including visitors to our website, enrolled students, and participants in our educational programs. By accessing our services, you acknowledge that you have read and understood this Privacy Policy.

We operate under Australian Privacy Principles (APPs) as outlined in the Privacy Act 1988 (Cth) and comply with applicable Australian privacy legislation.

Personal Information

We collect various types of personal information to provide our financial education services effectively:

• Name, email address, phone number, and postal address
• Educational background and professional experience relevant to financial learning
• Learning preferences and course selections
• Payment and billing information for course enrollment
• Communications between you and our team
• Technical information including IP address, browser type, and device information

Automatically Collected Information

When you visit our website, we automatically collect certain information about your device and browsing behavior. This includes your IP address, browser characteristics, device identifiers, operating system, language preferences, referring URLs, and information about how you interact with our website.

We use your personal information for several legitimate business purposes related to our financial education services:

• Providing educational content and learning materials tailored to your interests
• Processing course enrollments and managing your learning progress
• Communicating about courses, programs, and educational opportunities
• Improving our educational content based on learning outcomes and feedback
• Providing customer support and responding to inquiries
• Conducting research to enhance our educational programs
• Complying with legal obligations and regulatory requirements
• Protecting against fraud and ensuring platform security

When We Share Information

We may share your personal information in the following circumstances:

• With educational partners who help deliver course content or certifications
• With service providers who assist in website functionality, payment processing, or communication services
• When required by Australian law or legal process
• To protect our rights, property, or safety, or that of our users
• In connection with business transfers or restructuring (with your consent where required)

Third-Party Service Providers

We work with carefully selected service providers who help us deliver our educational services. These providers are bound by confidentiality agreements and are only permitted to use your information for the specific services they provide to us.

We do not sell, rent, or trade your personal information to third parties for their marketing purposes. Any sharing is done in accordance with Australian privacy laws and with appropriate safeguards in place.

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

How to Exercise Your Rights

To exercise any of these rights, please contact our privacy team using the details provided below. We may need to verify your identity before processing your request. We'll respond to all requests within the timeframes required by Australian privacy law.

We take the security of your personal information seriously and have implemented comprehensive measures to protect it:

• Industry-standard encryption for data transmission and storage
• Regular security assessments and vulnerability testing
• Access controls ensuring only authorized personnel can access personal information
• Staff training on privacy and security best practices
• Secure data centers with physical and environmental protections
• Regular backups and disaster recovery procedures

While we strive to protect your personal information, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security, but we continuously work to maintain the highest standards of protection.

Data Breach Response

In the unlikely event of a data breach that may cause serious harm, we will notify affected individuals and the Office of the Australian Information Commissioner as required by Australian privacy law, typically within 72 hours of becoming aware of the breach.

We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, comply with legal obligations, and resolve any disputes.

Retention Periods

• Course enrollment and progress data: Retained for 7 years after course completion
• Payment and billing records: Retained for 7 years as required by Australian tax law
• Marketing communications: Until you unsubscribe or request deletion
• Support inquiries: Retained for 3 years after resolution
• Website analytics: Aggregated data retained for 2 years

When personal information is no longer needed, we securely delete or anonymize it in accordance with our data destruction procedures. You can request earlier deletion of your information, subject to our legal and business requirements.

As part of our operations, some of your personal information may be transferred to and processed in countries outside Australia. When this occurs, we ensure appropriate safeguards are in place to protect your information.

We only transfer personal information to countries that have adequate privacy protection as recognized by Australian privacy law, or where we have implemented appropriate safeguards such as standard contractual clauses or binding corporate rules.

Countries where your data may be processed include the United States and members of the European Union, all of which have adequate privacy protections or appropriate safeguards in place.

Our website uses cookies and similar tracking technologies to enhance your browsing experience and provide personalized content. Cookies are small data files stored on your device when you visit our website.

Types of Cookies We Use

• Essential cookies: Required for website functionality and security
• Performance cookies: Help us understand how you use our website
• Functionality cookies: Remember your preferences and settings
• Marketing cookies: Used to deliver relevant educational content

You can control cookie settings through your browser preferences. However, disabling certain cookies may limit your ability to use some features of our website. We provide clear information about cookies through our cookie banner when you first visit our site.

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make significant changes, we will notify you through prominent notice on our website or by email.

We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information. The "Last Updated" date at the top of this policy indicates when it was most recently revised.

Your continued use of our services after any changes to this Privacy Policy constitutes your acceptance of such changes.