Privacy Policy
Effective Date: 3 February 2025
At naverquos, we respect your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your data when you visit our website or use our financial education services. We operate in accordance with the Australian Privacy Principles under the Privacy Act 1988 (Cth).
Information We Collect
We collect different types of information depending on how you interact with our services. Some of this happens automatically, while other details you provide directly to us.
Personal Information You Provide
When you register for our programs, contact us, or subscribe to newsletters, you might share:
- Contact details: Full name, email address, phone number, and postal address
- Professional information: Job title, company name, industry sector, and professional interests
- Educational background: Previous qualifications, areas of study, and learning goals
- Financial information: Payment details when enrolling in paid courses (processed securely through third-party payment processors)
- Communication records: Messages you send us through contact forms or email correspondence
Information Collected Automatically
Our website collects certain technical data when you visit:
- IP address and geographic location
- Browser type and version
- Device information (operating system, screen resolution)
- Pages visited and time spent on each page
- Referring website or search terms used
- Cookies and similar tracking technologies (see our Cookie Policy)
How We Use Your Information
We're pretty straightforward about this. Your information helps us deliver better educational experiences and keep things running smoothly.
| Purpose | Examples |
|---|---|
| Service delivery | Providing access to courses, sending learning materials, processing enrollments |
| Communication | Responding to inquiries, sending program updates, sharing educational resources |
| Improvement | Analyzing usage patterns, improving course content, enhancing website functionality |
| Marketing | Sending newsletters, promoting relevant courses (you can opt out anytime) |
| Legal compliance | Meeting regulatory requirements, preventing fraud, protecting our rights |
Important: We never sell your personal information to third parties. Any sharing of data is done only with service providers who help us operate our business, and they're contractually obligated to protect your information.
Data Sharing and Disclosure
Look, we keep your data pretty close to our chest. But there are situations where we need to share information with others.
Service Providers
- Email marketing platforms
- Payment processors
- Cloud hosting services
- Analytics providers
- Customer support tools
Legal Requirements
- Court orders or subpoenas
- Regulatory investigations
- Law enforcement requests
- Protecting our legal rights
- Preventing fraud or harm
All third-party providers we work with are carefully vetted and must comply with Australian privacy standards. They can only use your data for the specific purposes we've authorized.
Your Privacy Rights
Under Australian privacy law, you have several rights regarding your personal information. We take these seriously and make it easy for you to exercise them.
Access Your Data
You can request a copy of all personal information we hold about you. We'll provide this within 30 days of receiving your request.
Correct Inaccuracies
If any information we hold is incorrect or outdated, you can ask us to update it. We'll make corrections promptly.
Delete Your Data
You can request deletion of your personal information, subject to certain legal obligations that require us to retain specific records.
Opt Out of Marketing
Unsubscribe from marketing emails anytime using the link in our messages or by contacting us directly.
Restrict Processing
You can limit how we use your data in certain circumstances, such as while we verify accuracy of disputed information.
Lodge a Complaint
If you're not happy with how we handle your data, you can complain to us or directly to the Office of the Australian Information Commissioner.
To exercise any of these rights, send an email to contact@naverquos.com with your request. We'll need to verify your identity before processing most requests, which might involve asking for additional information.
Data Security and Protection
We implement reasonable technical and organizational measures to protect your information from unauthorized access, disclosure, or destruction. This includes:
- Encryption: Sensitive data is encrypted both in transit (using SSL/TLS) and at rest
- Access controls: Only authorized personnel can access personal information, on a need-to-know basis
- Regular security audits: We review our systems and practices regularly to identify vulnerabilities
- Staff training: Our team receives ongoing training on privacy and security best practices
- Incident response: We have procedures in place to respond quickly to any security breaches
That said, no system is completely secure. While we work hard to protect your data, we can't guarantee absolute security. If you become aware of any security vulnerability, please let us know immediately.
Data Retention
We don't keep your information forever. Here's how long we typically retain different types of data:
- Active accounts: We retain your information as long as you maintain an active account with us
- Closed accounts: After account closure, we keep necessary records for 7 years to comply with tax and financial regulations
- Marketing data: If you opt out of marketing, we keep a record of your preference but delete other marketing-related data within 6 months
- Website analytics: Aggregated, anonymized usage data may be retained indefinitely for statistical purposes
- Transaction records: Financial transaction details are kept for 7 years as required by Australian tax law
Once retention periods expire, we securely delete or anonymize your information so it can no longer identify you.
International Data Transfers
Your information is primarily stored on servers located in Australia. However, some of our service providers may process data in other countries, including the United States and European Union. When we transfer data internationally, we ensure appropriate safeguards are in place, such as:
- Standard contractual clauses approved by regulatory authorities
- Ensuring the recipient country has adequate privacy protections
- Obtaining your explicit consent for specific transfers
Under the Privacy Act 1988, we remain responsible for personal information we disclose to overseas recipients, unless specific exceptions apply.
Children's Privacy
Our services are designed for adults aged 18 and over. We don't knowingly collect personal information from children under 18. If you're a parent or guardian and believe your child has provided us with personal information, please contact us so we can delete it.
Changes to This Policy
We review and update this Privacy Policy periodically to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you by email or through a prominent notice on our website. The "Effective Date" at the top shows when the current version was published.
We encourage you to review this policy occasionally to stay informed about how we protect your information. Continued use of our services after changes indicates your acceptance of the updated policy.
Questions About Your Privacy?
We're here to help if you have concerns or questions about how we handle your data.
Email: contact@naverquos.com
Phone: +61 405 096 681
Mail: 689 Hunter St, Newcastle West, NSW, 2302, Australia
If you're not satisfied with our response, you can contact the Office of the Australian Information Commissioner at www.oaic.gov.au or call 1300 363 992.
This Privacy Policy was last updated on 3 February 2025