At zantharovilex, we collect information that helps us provide better financial modeling services and educational resources. This includes personal details you provide when creating an account, such as your name, email address, and professional background.

We also gather technical information automatically when you use our platform. This includes your IP address, browser type, device information, and how you interact with our website. We track which pages you visit, how long you spend on different sections, and which features you use most frequently.

• Account information: name, email, phone number, professional details
• Financial modeling preferences and saved work
• Communication records with our support team
• Payment information (processed securely through third-party providers)
• Website analytics and usage patterns
• Device and browser information for technical support

When you participate in our courses or webinars, we collect additional information about your learning progress, quiz results, and feedback. This helps us personalise your educational experience and improve our content quality.

Your information serves several important purposes in delivering our financial modeling education platform. We use personal details to create and maintain your account, process payments, and provide customer support when you need assistance.

The technical data we collect helps us understand how people use our platform, which allows us to improve the user experience and fix any technical issues. We analyse usage patterns to identify which features are most valuable and where we might need to make improvements.

We also use your information to communicate with you about important updates, new course releases, and relevant financial modeling insights. However, you can always opt out of marketing communications while still receiving essential account-related messages.

We never sell your personal information to third parties or use it for purposes unrelated to our financial modeling education services. All data processing activities are guided by legitimate business interests and your explicit consent where required.

We work with carefully selected third-party services to deliver our platform effectively. These include payment processors like Stripe for handling transactions, email service providers for communications, and cloud hosting services for storing your data securely.

All third-party partners are bound by strict contractual agreements that require them to protect your information according to the same standards we maintain. They can only use your data for the specific services they provide to us and cannot share it further without our explicit permission.

We may also share information in specific legal circumstances, such as responding to valid court orders, investigating fraud, or protecting the safety of our users. In these cases, we carefully review each request and only share the minimum information necessary to comply with legal requirements.

• Payment processors for secure transaction handling
• Email service providers for course communications
• Cloud storage providers for data hosting and backup
• Analytics services for website performance monitoring
• Customer support platforms for help desk services
• Legal authorities when required by Australian law

We never engage in data brokering or selling customer information for marketing purposes. Any data sharing is strictly limited to essential business operations and service delivery.

Under Australian privacy law, you have several important rights regarding your personal information. You can request access to see what information we hold about you, ask for corrections if anything is inaccurate, or request deletion of your data in certain circumstances.

If you want to exercise any of these rights, simply contact us using the details provided at the end of this policy. We'll respond within 30 days and guide you through the process. Some requests may require identity verification to protect your privacy.

You also have the right to complain to the Office of the Australian Information Commissioner (OAIC) if you believe we've mishandled your personal information. However, we encourage you to contact us first so we can try to resolve any concerns directly.

We take data security seriously and implement multiple layers of protection to keep your information safe. Our platform uses industry-standard encryption for data transmission and storage, regular security audits, and access controls that limit who can view your information.

All our staff receive regular privacy and security training, and we maintain detailed logs of who accesses what information and when. Our systems are regularly updated with the latest security patches, and we work with security experts to identify and address potential vulnerabilities.

We retain your information only as long as necessary for the purposes we collected it. Account information is kept while your account remains active, plus a reasonable period afterward for legal and business purposes. Course completion records may be retained longer to provide ongoing certification verification.

• Account data: Retained while account is active, plus 7 years for business records
• Course progress: Kept for 10 years to support ongoing certification verification
• Payment records: Retained for 7 years as required by Australian tax law
• Support communications: Deleted after 3 years unless ongoing issues exist
• Website analytics: Aggregated data retained indefinitely, personal identifiers removed after 2 years
• Marketing preferences: Kept until you withdraw consent or account closure

When we no longer need your information, we securely delete it using industry-standard data destruction methods. This ensures that your personal information cannot be recovered or reconstructed once the retention period expires.

Our website uses cookies and similar technologies to improve your browsing experience and help us understand how people use our platform. Cookies are small text files stored on your device that remember your preferences and help our website function properly.

We use essential cookies that are necessary for basic website functionality, such as keeping you logged in and remembering your course progress. We also use analytics cookies to understand which pages are most popular and how we can improve the user experience.

You can control cookie settings through your browser preferences, though disabling certain cookies may affect how well our website works for you. We respect your choices and provide clear information about what each type of cookie does.

We don't use third-party advertising cookies or share cookie data with external advertising networks. Our cookie usage is focused entirely on improving our educational platform and your learning experience.

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 through your account email address and display a notice on our website.

Minor updates, such as clarifications or formatting changes, may be made without individual notification, but we'll always update the "Last Modified" date at the top of this policy. We encourage you to review this policy periodically to stay informed about how we protect your privacy.

Your continued use of our services after any policy updates indicates your acceptance of the revised terms. However, if you disagree with any changes, you can contact us to discuss your concerns or close your account if preferred.

We maintain an archive of previous policy versions, which you can request to see if you need to understand what terms applied at a specific time. This helps ensure transparency about how our privacy practices have evolved.