Privacy Policy
Last Updated: March 15, 2025
1 Information We Collect
florifexeriva collects information to provide better financial management services to our users across Australia. We gather data through various means when you interact with our platform, register for educational programs, or use our budget surplus management tools.
Personal Information
Financial Data
We collect financial information necessary to provide our budget management services. This includes transaction histories, spending patterns, and investment preferences. All financial data is encrypted and stored according to Australian Privacy Principles and banking security standards.
Technical Information
Our systems automatically collect device information, IP addresses, browser types, and usage patterns. This technical data helps us maintain platform security and improve user experience. We also use cookies and similar technologies to remember your preferences and provide personalized content.
2 How We Use Your Information
Your information enables us to deliver comprehensive financial education and budget management services. We process data to create personalized learning experiences, assess program suitability, and provide ongoing support throughout your educational journey.
We use collected information to communicate important updates about your enrolled programs, send educational materials, and provide customer support. Our team may contact you regarding new courses starting in late 2025 or early 2026 that align with your expressed interests and learning goals.
Educational Services
Personal information helps us tailor educational content to your specific financial situation and learning objectives. We analyze your progress through learning modules, track completion rates, and adjust difficulty levels to optimize your educational experience.
Platform Security
We process technical data to maintain platform security, prevent unauthorized access, and detect fraudulent activities. This includes monitoring login patterns, device recognition, and transaction verification to protect your account and financial information.
3 Information Sharing and Disclosure
florifexeriva maintains strict controls over information sharing. We never sell personal data to third parties for marketing purposes. Information sharing occurs only in specific circumstances outlined below, always with appropriate safeguards and legal compliance.
Service Providers
We share necessary information with trusted service providers who assist in delivering our educational programs. These include payment processors, educational content providers, and technology platforms. All service providers must sign confidentiality agreements and comply with Australian privacy laws.
Legal Requirements
We may disclose information when required by Australian law, court orders, or regulatory authorities. This includes compliance with Australian Securities and Investments Commission (ASIC) requirements, Australian Transaction Reports and Analysis Centre (AUSTRAC) obligations, and other financial services regulations.
Business Transfers
In the event of business restructuring, merger, or acquisition, personal information may be transferred as part of business assets. We will notify affected users and ensure the receiving organization maintains equivalent privacy protections.
4 Data Storage and Security
We implement comprehensive security measures to protect your information from unauthorized access, alteration, disclosure, or destruction. Our security framework includes encryption, access controls, regular security audits, and staff training on privacy protection.
Encryption Standards
All sensitive information is encrypted both in transit and at rest using industry-standard AES-256 encryption. Financial data receives additional protection through tokenization and secure key management systems. Communications between your device and our servers are protected using TLS encryption protocols.
Access Controls
Employee access to personal information is strictly limited based on job requirements. We maintain detailed access logs, require multi-factor authentication for sensitive systems, and conduct regular access reviews. Staff members receive ongoing privacy training and sign confidentiality agreements.
Data Retention
We retain personal information only as long as necessary to fulfill stated purposes or meet legal obligations. Educational records are typically maintained for seven years after program completion. Financial transaction data may be retained longer to comply with Australian banking and tax regulations.
Your Privacy Rights Under Australian Law
The Australian Privacy Act 1988 grants you specific rights regarding your personal information. You can exercise these rights by contacting our privacy team using the details provided below.
Access Rights
Request copies of personal information we hold about you, including how it's being used and who it's shared with.
Correction Rights
Request corrections to inaccurate or incomplete personal information in our records.
Deletion Rights
Request deletion of personal information where legally permissible and not required for legitimate business purposes.
Complaint Rights
Lodge complaints about privacy practices with our team or the Office of the Australian Information Commissioner.
5 Cookies and Tracking Technologies
florifexeriva uses cookies and similar technologies to enhance user experience, remember preferences, and analyze platform usage. You can control cookie settings through your browser, though disabling certain cookies may affect platform functionality.
Essential Cookies
These cookies are necessary for basic platform operation, including user authentication, security features, and session management. Essential cookies cannot be disabled without affecting core functionality.
Analytics Cookies
We use analytics cookies to understand how users interact with our platform, identify popular content, and improve educational resources. This data is aggregated and anonymized to protect individual privacy.
Preference Cookies
These cookies remember your settings and preferences, such as language choices, notification preferences, and customized dashboard layouts. Preference cookies enhance your experience but are not essential for basic functionality.
6 International Data Transfers
While florifexeriva primarily operates within Australia, some service providers may process data internationally. All international transfers comply with Australian privacy laws and include appropriate safeguards to protect your information.
Transfer Safeguards
International data transfers include contractual protections, adequacy determinations, or other mechanisms approved under Australian privacy law. We ensure receiving countries provide adequate protection or implement additional safeguards.
Cloud Storage
Some information may be stored on cloud servers located outside Australia. We select cloud providers based on their security standards, compliance certifications, and commitment to data protection. All cloud storage includes encryption and access controls.
7 Children's Privacy
florifexeriva's services are designed for adults aged 18 and over. We do not knowingly collect personal information from individuals under 18 years of age. If we discover that we have inadvertently collected information from someone under 18, we will delete it promptly.
Parents or guardians who believe their child has provided personal information to florifexeriva should contact us immediately. We will investigate the matter and take appropriate action to protect the child's privacy.
8 Changes to This Privacy Policy
We may update this privacy policy periodically to reflect changes in our practices, technology, legal requirements, or business operations. Significant changes will be communicated through email notifications or prominent website notices.
We encourage you to review this privacy policy regularly to stay informed about how we protect your information. The "Last Updated" date at the top of this document indicates when the most recent changes were made.
Notification Process
For material changes that may affect your rights or how we process your information, we will provide at least 30 days' notice before implementation. You will receive notifications through your registered email address and through platform notifications when you log in.
Privacy Contact Information
Address: 2/22 Sphinx Way, Bibra Lake WA 6163, Australia
Phone: +61412147184
Email: info@florifexeriva.com
For privacy-related inquiries, please include "Privacy Request" in your email subject line. We will respond to privacy requests within 30 days as required by Australian privacy law.