Introduction

valeriquezos respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website valeriquezos.com or use our financial education services.

We operate under Australian privacy laws, including the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). This policy applies to all users accessing our services from any location.

Information We Collect

How We Use Your Information

We use your personal information for legitimate business purposes related to providing financial education services:

• Delivering course content and tracking your learning progress
• Processing payments and managing your account
• Sending important updates about your courses or policy changes
• Improving our educational content based on user feedback and engagement
• Providing customer support and responding to inquiries
• Maintaining website security and preventing fraud

Information Sharing and Disclosure

We don't sell your personal information to third parties. We may share your information only in these specific circumstances:

Your Rights Under Australian Law

Under the Australian Privacy Principles, you have several important rights regarding your personal information:

Data Security and Protection

We implement multiple layers of security to protect your information:

• SSL encryption for all data transmission between your device and our servers
• Regular security audits and vulnerability assessments
• Restricted access to personal information on a need-to-know basis
• Secure data centers with physical access controls
• Regular staff training on privacy and security best practices

While we maintain strong security measures, no online service can guarantee complete security. We encourage you to use strong passwords and keep your login credentials confidential.

Data Retention and Storage

We retain your personal information only as long as necessary for the purposes outlined in this policy:

• Course enrollment and progress data: 7 years after course completion
• Payment and billing information: 7 years as required by Australian tax law
• Marketing communications preferences: Until you withdraw consent
• Website usage analytics: 24 months in aggregated form
• Customer support communications: 3 years after issue resolution

Your data is stored on secure servers located in Australia, ensuring it remains subject to Australian privacy laws. When we use international service providers, we ensure appropriate safeguards are in place.

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance your experience and analyze website performance. Here's what we use and why:

You can control cookies through your browser settings, though disabling certain cookies may affect website functionality.

Third-Party Services

We work with trusted third-party services to deliver our educational platform. Each service provider is carefully selected and bound by strict privacy agreements:

• Payment processing through certified PCI DSS compliant providers
• Email communications via established email service providers
• Website hosting and content delivery through reputable cloud services
• Customer support tools that encrypt and protect communication data

We don't share more information than necessary with these providers and regularly review their privacy practices to ensure they meet our standards.

Children's Privacy

Our services are designed for adults seeking financial education. We don't knowingly collect personal information from individuals under 18 years of age. If we become aware that we've collected information from someone under 18, we'll delete it promptly.

If you're a parent or guardian and believe your child has provided us with personal information, please contact us immediately so we can address the situation.

Changes to This Privacy Policy

We may update this Privacy Policy occasionally to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you through:

• Email notification to registered users
• Prominent notice on our website
• Update to the "Last Modified" date at the top of this policy

We encourage you to review this policy periodically. Continued use of our services after changes indicates your acceptance of the updated policy.

Making a Privacy Complaint

If you believe we've handled your personal information inappropriately, you have the right to make a complaint. Here's how the process works:

• Contact us directly using the details below - we'll investigate and respond within 30 days
• If you're not satisfied with our response, you can contact the Office of the Australian Information Commissioner
• The OAIC can investigate complaints and provide guidance on privacy rights

We take all privacy concerns seriously and will work with you to resolve any issues.