Who We Are

terquixalor operates as an educational platform focused on financial planning fundamentals. We're based in Queanbeyan West, NSW, and we provide online courses, webinars, and learning resources to people across Australia who want to build stronger financial skills.

Our services fall under the Australian Privacy Principles (APPs) outlined in the Privacy Act 1988. We take these obligations seriously and design our data practices around protecting your information.

Information We Collect

The information we gather depends on how you interact with our platform. Here's what we typically collect and why:

Information You Provide Directly

When you register for courses, join webinars, or contact us, you might share:

• Your name and email address for account creation and communication
• Phone number if you prefer callback support
• Learning preferences and educational background to personalize course recommendations
• Payment details when enrolling in paid courses (processed through secure third-party providers)
• Questions or feedback you submit through contact forms or support channels

Information Collected Automatically

Like most educational platforms, we gather some technical data to improve your experience:

• Device information including browser type, operating system, and screen resolution
• IP address and general location data (city or region level, not precise coordinates)
• Pages viewed, time spent on content, and navigation patterns within the platform
• Course progress, quiz results, and learning milestones to track your achievements
• Referral sources that tell us how you found our platform

How We Use Your Information

We're not in the business of selling data. Everything we collect serves a specific purpose related to delivering educational services.

Sometimes we use aggregated, anonymized data for research or sharing general insights about learning trends. This data can't identify you individually.

Sharing Your Information

We keep your data within a tight circle of trusted partners who help us run the platform. Here's who might have access:

1. Service Providers: Companies that handle email delivery, payment processing, cloud hosting, and analytics. They're bound by contracts to protect your data and can only use it for the specific services they provide to us.
2. Legal Requirements: We'll disclose information if required by Australian law, court orders, or government requests. We'll notify you unless legally prohibited.
3. Business Transfers: If terquixalor merges with another organization or sells assets, your data may transfer as part of that transaction. You'd be notified well in advance.
4. With Your Consent: In some cases, we might ask permission to share your information with partners offering complementary services. This is always optional.

We don't sell, rent, or trade your personal information to third parties for their marketing purposes. That's not how we operate.

Your Rights and Choices

Under Australian privacy law, you have several rights regarding your personal information. We've made it straightforward to exercise them.

Access and Correction

You can request a copy of the personal data we hold about you. If something's incorrect or outdated, let us know and we'll fix it promptly. Most account information can be updated directly through your profile settings.

Deletion and Restriction

You can ask us to delete your account and associated data. We'll honor this within 30 days, though we might retain some information if required by law (like financial records for tax purposes). You can also request that we limit how we process your data in certain situations.

Marketing Communications

Every promotional email includes an unsubscribe link at the bottom. Click it once and you're off the list. You'll still receive essential emails about courses you're enrolled in or account security updates.

Data Portability

Want to take your data elsewhere? We can provide your information in a commonly used format that works with other services.

How We Protect Your Data

Security isn't just a checkbox for us. We've implemented multiple layers of protection:

• All data transmissions use TLS encryption to prevent interception
• Passwords are hashed using industry-standard algorithms and never stored in plain text
• Our servers are hosted in secure facilities with restricted physical access
• Regular security audits and penetration testing identify vulnerabilities before they become problems
• Staff access to personal data is limited to those who need it for their roles
• We maintain detailed logs of data access for accountability and breach detection

Despite our precautions, no system is completely bulletproof. If a data breach occurs that poses a serious risk to your privacy, we'll notify you and the relevant authorities as required by Australian law.

Data Retention

We don't keep your information longer than necessary. Here's our approach:

• Active Accounts: Your data remains accessible as long as your account is active and you're engaging with our courses
• Inactive Accounts: If you haven't logged in for three years, we'll send reminders before eventually archiving your account
• Financial Records: Payment information and transaction history are kept for seven years to comply with Australian tax laws
• Support Communications: Messages and support tickets are retained for two years for quality assurance purposes
• Marketing Data: If you unsubscribe, we keep your email on a suppression list to ensure we don't accidentally contact you again

Once retention periods expire, we securely delete or anonymize your data so it can't be traced back to you.

Cookies and Tracking Technologies

Our platform uses cookies and similar technologies to function properly and improve your experience. Here's what you should know:

Essential Cookies

These are necessary for the platform to work. They manage your login session, remember your course progress, and keep your account secure. You can't disable these without breaking core functionality.

Analytics Cookies

We use these to understand how people use the platform—which pages are most helpful, where students get stuck, and what features are popular. This data is aggregated and doesn't identify individuals.

Preference Cookies

These remember your settings like language preferences, display options, and content filters so you don't have to reconfigure things every visit.

Your browser settings let you control cookies. Blocking them might affect how the platform works, but you're free to make that choice.

International Data Transfers

Most of your data stays within Australia, but some service providers we use operate servers overseas. When data crosses borders, we ensure appropriate safeguards are in place.

For example, our email service provider has servers in the United States with Privacy Shield certification. Cloud storage might use data centers in Singapore with ISO 27001 certification. These arrangements meet Australian standards for protecting data sent abroad.

If you're uncomfortable with international transfers, contact us to discuss alternatives that might work for your situation.

Children's Privacy

Our courses are designed for adults. We don't knowingly collect information from anyone under 18 without parental consent. If you're a parent who discovers your child has registered without permission, let us know and we'll delete the account immediately.

For educational programs involving minors, we obtain explicit parental consent before collecting any personal information and provide parents with the ability to review and delete their child's data.

Changes to This Policy

We review and update this policy periodically as our services evolve or regulations change. When we make significant modifications, we'll notify you through email or a prominent notice on the platform at least 30 days before changes take effect.

The "Last Updated" date at the top of this page shows when the most recent changes were made. We encourage you to check back occasionally to stay informed about how we're protecting your information.

Continuing to use our services after policy updates means you accept the changes. If you disagree with modifications, you can close your account before they take effect.

Complaints and Disputes

If you believe we've mishandled your personal information, we want to know. Start by contacting us directly using the information below. We'll investigate your concern and respond within 30 days.

If you're not satisfied with our response, you have the right to lodge a complaint with the Office of the Australian Information Commissioner (OAIC). They're the independent authority overseeing privacy law compliance in Australia.

You can reach the OAIC at oaic.gov.au or by calling 1300 363 992. They'll guide you through the complaint process and investigate if necessary.