Privacy Policy

Your privacy matters to us. This policy explains how xenquariota collects, uses, and protects your personal information when you use our financial education services.

Information We Collect

When you interact with xenquariota's educational platform, we collect information that helps us provide better financial learning experiences. This includes details you provide directly and information gathered automatically through your use of our services.

  • Personal Information: Name, email address, phone number, and mailing address when you register for courses or contact us
  • Educational Data: Course progress, quiz results, learning preferences, and completion certificates
  • Technical Information: IP address, browser type, device information, and usage patterns on our website
  • Communication Records: Email correspondence, support tickets, and feedback you provide
  • Financial Information: Payment details for course fees, though we use secure third-party processors and don't store complete card numbers

We never collect sensitive financial data like bank account numbers or investment portfolios. Our focus is on educational delivery, not managing your finances directly.

How We Use Your Information

Your information helps us deliver quality financial education and improve our services. We're not in the business of selling data — we're educators first.

Primary Uses: Course delivery, progress tracking, certificate generation, and personalised learning recommendations based on your interests and completion patterns.

  • Providing access to enrolled courses and tracking your educational progress
  • Sending course updates, new program announcements, and relevant financial education content
  • Responding to your questions and providing customer support
  • Improving our courses based on usage patterns and feedback
  • Meeting legal obligations and preventing fraud or misuse of our platform
  • Generating anonymised reports about course effectiveness and student outcomes

We analyse learning patterns to suggest relevant courses, but these recommendations are based on educational pathways rather than marketing algorithms. Think of it as having a knowledgeable tutor who remembers what you've studied and suggests logical next steps.

Information Sharing and Disclosure

We don't sell your personal information to third parties. Period. However, we do share limited data in specific circumstances that support your education or meet legal requirements.

  • Service Providers: Email delivery services, payment processors, and learning management system providers who help deliver our courses
  • Educational Partners: Guest instructors or partner institutions may receive basic enrollment information for joint programs
  • Legal Requirements: When required by Australian law, court orders, or government requests
  • Business Transfers: If xenquariota is acquired or merged, your information may transfer to the new entity
  • Safety Concerns: To protect against fraud, abuse, or threats to personal safety

All third parties who handle your data are contractually required to protect it and use it only for the specific services they provide to us. We regularly review these relationships to ensure they meet our privacy standards.

Your Privacy Rights Under Australian Law

The Australian Privacy Principles give you significant control over your personal information. We've designed our systems to make exercising these rights straightforward.

Quick Access: Log into your student portal to view, update, or download your personal information at any time. Most requests can be handled immediately through your account settings.

  • Access Right: Request a copy of all personal information we hold about you, including course records and communications
  • Correction Right: Update incorrect or outdated information in your profile or student records
  • Deletion Right: Request removal of your personal information, though we may retain some data for legal or educational record-keeping purposes
  • Portability Right: Download your course completion certificates, progress records, and personal data in standard formats
  • Objection Right: Opt out of marketing communications while maintaining access to essential course-related updates
  • Complaint Right: Lodge complaints with the Office of the Australian Information Commissioner if you're unsatisfied with our response

To exercise these rights, contact us at info@xenquariota.com or use the privacy controls in your student account. We typically respond within 5 business days and resolve most requests within 30 days.

Data Security and Protection

We take data protection seriously because your trust is fundamental to effective education. Our security measures are designed to protect against unauthorised access, alteration, disclosure, or destruction of your personal information.

  • Encryption: All data transmission uses SSL/TLS encryption, and sensitive data is encrypted when stored
  • Access Controls: Staff access is limited based on job requirements and protected by multi-factor authentication
  • Regular Audits: We conduct quarterly security reviews and annual third-party assessments
  • Data Minimisation: We collect only information necessary for educational purposes and delete outdated records regularly
  • Backup Protection: Secure, encrypted backups ensure data recovery without compromising privacy
  • Incident Response: Established procedures for detecting, containing, and reporting any security breaches

While we implement robust security measures, remember that no online system is completely immune to threats. We recommend using strong, unique passwords for your student account and avoiding access from shared or public devices when possible.

Data Retention and Deletion

We retain your information only as long as necessary to provide educational services, meet legal requirements, or resolve disputes. Different types of information have different retention schedules based on their purpose and legal requirements.

  • Active Student Records: Maintained throughout enrollment and for 7 years after course completion for certificate verification
  • Payment Information: Processed immediately and not stored, though transaction records are kept for 7 years per Australian financial regulations
  • Marketing Communications: Until you unsubscribe, with automatic cleanup of inactive contacts after 2 years
  • Support Communications: Retained for 3 years to maintain service continuity and resolve any follow-up issues
  • Website Analytics: Anonymised after 26 months in compliance with data protection best practices

When information is no longer needed, we securely delete or anonymise it using industry-standard methods. Some aggregated, non-identifying data may be retained indefinitely for research and course improvement purposes.

International Data Transfers

While xenquariota operates primarily within Australia, some of our educational technology providers are located overseas. We ensure these transfers meet Australian privacy standards through appropriate safeguards.

Primary Locations: Most data processing occurs within Australia. International transfers are limited to essential services like global content delivery networks and secure backup systems.

  • Educational platform servers located in Australia and Singapore with equivalent privacy protections
  • Email delivery services in the United States under Privacy Shield or equivalent frameworks
  • Secure backup systems in multiple jurisdictions with strong data protection laws
  • Learning analytics tools that process anonymised data for course improvement

All international service providers are contractually bound to maintain Australian-equivalent privacy protections and are prohibited from using your data for their own purposes.

Cookies and Online Tracking

We use cookies and similar technologies to enhance your learning experience and understand how students interact with our courses. You have control over most cookies through your browser settings.

  • Essential Cookies: Required for login, course access, and basic website functionality
  • Analytics Cookies: Help us understand which courses are most helpful and where students might need additional support
  • Preference Cookies: Remember your settings, language preferences, and course bookmarks
  • Marketing Cookies: Track which marketing efforts lead to course enrollments, helping us reach students interested in financial education

You can disable non-essential cookies through your browser settings, though this may limit some personalisation features. Essential cookies cannot be disabled without affecting core website functionality.

Changes to This Privacy Policy

We review and update this privacy policy annually or when significant changes occur to our services or privacy practices. We'll notify you of material changes that affect how we handle your information.

  • Email notification to all active students for significant policy changes
  • Prominent website notices for 30 days following updates
  • Clear highlighting of changed sections in the updated policy
  • Opportunity to review changes before they take effect

Continued use of our services after policy updates indicates acceptance of the revised terms. If you disagree with changes, contact us to discuss your concerns or request account closure.

Privacy Questions and Contact

Have questions about your privacy or how we handle your information? We're here to help with clear, straightforward answers.

Email: info@xenquariota.com

Phone: +61 2 6257 2255

Address: 21 Newton St S, Auburn NSW 2144, Australia

Our privacy team typically responds to inquiries within 2 business days and aims to resolve most issues within one week.

This privacy policy was last updated on March 15, 2025. Next scheduled review: March 2026.