Information We Collect

We collect different types of information depending on how you engage with our services. Some information you provide directly, while other data we gather automatically through your use of our website.

Information You Provide

• Contact details including your name, email address, and phone number when you inquire about our programs
• Educational background and professional experience when you apply for learning programs
• Payment information processed through secure third-party payment processors
• Communication preferences and course interests
• Feedback, reviews, and survey responses you choose to share

Information Collected Automatically

• Browser type, device information, and operating system details
• IP address and general geographic location (city or region level)
• Pages visited, time spent on our website, and navigation patterns
• Referral sources that brought you to our website
• Cookie data and similar tracking technologies

How We Use Your Information

Your information helps us deliver quality education and improve our services. We're careful about how we use your data and always keep your interests in mind.

Data Sharing and Disclosure

We don't sell your personal information. Period. However, we do share limited data with trusted partners who help us run our education programs.

• Service providers who assist with payment processing, email delivery, and website hosting
• Educational technology platforms we use for course delivery and student management
• Professional advisers including lawyers and accountants when necessary
• Government agencies when required by Australian law
• Third parties with your explicit consent for specific purposes

Your Rights Under Australian Law

Australian privacy legislation gives you specific rights regarding your personal information. You're in control of your data, and we're here to help you exercise these rights.

Access and Correction

You can request access to the personal information we hold about you at any time. If you find any inaccuracies, we'll work with you to correct them promptly. Just send us an email at info@lumirosori.com with your request.

Data Portability

Where technically feasible, we can provide your personal information in a structured, commonly used format. This makes it easier if you want to transfer your data to another service provider.

Erasure Requests

You can request deletion of your personal information, subject to certain legal exceptions. For example, we may need to retain some records for tax purposes or to resolve disputes. We'll explain any limitations when you make a request.

Marketing Opt-Out

Every marketing email includes an unsubscribe link. You can also contact us directly to update your communication preferences. Note that even if you opt out of marketing, we'll still send essential messages about your enrollment or account.

Data Security Measures

We take security seriously and implement multiple layers of protection to safeguard your information from unauthorized access, disclosure, or misuse.

• Industry-standard encryption for data transmission using TLS technology
• Secure servers with regular security audits and vulnerability assessments
• Access controls limiting staff access to personal information on a need-to-know basis
• Regular backups stored in secure, geographically diverse locations
• Incident response procedures for potential security breaches
• Staff training on privacy and security best practices

Data Retention Periods

We keep your information only as long as necessary for the purposes outlined in this policy or as required by law.

• Active student records are maintained throughout your enrollment and for seven years after completion
• Financial records are retained for seven years to comply with Australian taxation requirements
• Marketing consent records are kept until you withdraw consent
• Website analytics data is typically retained for 26 months
• Communication logs are stored for three years for quality assurance purposes

After these retention periods expire, we securely delete or anonymize your personal information. Some data may be retained in anonymized form for statistical analysis and research purposes.

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance your browsing experience and understand how visitors use our site.

Types of Cookies We Use

• Essential cookies that enable core website functionality
• Analytics cookies that help us understand website usage patterns
• Preference cookies that remember your settings and choices
• Marketing cookies used to deliver relevant content (with your consent)

Most browsers allow you to control cookies through their settings. However, disabling certain cookies may limit your ability to use some website features. You can find more information about managing cookies in your browser's help documentation.

International Data Transfers

While we primarily store data in Australia, some of our service providers operate internationally. When we transfer your information overseas, we ensure appropriate safeguards are in place.

• We use cloud service providers with data centers located in Australia where possible
• International transfers comply with Australian Privacy Principles requirements
• We maintain contracts with overseas recipients requiring equivalent privacy protection
• Transfers to certain countries may rely on adequacy determinations or binding corporate rules

If you have concerns about international data transfers, please contact us to discuss the specific safeguards applicable to your information.

Children's Privacy

Our services are designed for adults interested in financial research education. We don't knowingly collect personal information from individuals under 18 years of age without parental consent.

If you're under 18 and interested in our programs, please have a parent or guardian contact us. If we discover we've inadvertently collected information from a minor without appropriate consent, we'll delete it promptly.

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 email or a prominent notice on our website.

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

Complaints and Disputes

If you believe we've mishandled your personal information or have a privacy complaint, we want to hear from you. Here's how our complaint process works:

• Contact us using the details below with a description of your concern
• We'll acknowledge your complaint within three business days
• We aim to investigate and respond to complaints within 30 days
• If you're not satisfied with our response, you can escalate to the Office of the Australian Information Commissioner