Information We Collect

Information You Provide Directly

When you sign up for our financial education programs or use our services, we collect information you give us directly. This typically includes:

• Your name and contact details (email address, phone number, mailing address)
• Account credentials (username and password)
• Payment information processed through secure third-party providers
• Program enrollment details and learning progress
• Communication preferences and feedback you share with us
• Any other information you choose to provide through our contact forms or direct messages

Information Collected Automatically

Like most websites, we automatically collect certain technical information when you visit our site. This helps us understand how people use our services and where we can improve. We gather:

• Device information (browser type, operating system, device identifiers)
• Usage data (pages visited, time spent on site, click patterns)
• IP addresses and general location data (city/region level, not precise GPS)
• Referral sources (how you found our website)
• Performance data and error reports

Information From Third Parties

Sometimes we receive information about you from other sources, particularly when you interact with our content on social media platforms or if you're referred by a partner organization. We only collect this information when it's legally permitted and relevant to providing you with our services.

How We Use Your Information

We use the information we collect for specific, legitimate purposes. Here's what we do with your data:

We'll occasionally send you marketing communications about new programs or features that might interest you. You can opt out of these messages anytime — look for the unsubscribe link in any marketing email, or update your preferences in your account settings.

Legal Basis for Processing (Australian Privacy Principles)

Under the Privacy Act 1988 and the Australian Privacy Principles (APPs), we're required to have a lawful basis for collecting and using your personal information. Here's how we comply:

• Consent: When you sign up for our services or subscribe to our communications, you're giving us explicit consent to process your information for those purposes
• Contract Performance: We need certain information to deliver the educational services you've enrolled in
• Legitimate Interests: We process some data to improve our services and protect our business, provided this doesn't override your privacy rights
• Legal Obligations: Sometimes we're legally required to collect or retain certain information

We're committed to handling your data in accordance with APP compliance requirements, and we regularly review our practices to maintain these standards.

Data Sharing and Disclosure

We don't sell your personal information to anyone. We're not in the data-selling business — we're in the financial education business.

That said, we do share information with certain third parties in specific situations:

Service Providers

We work with trusted third-party companies that help us operate our business. This includes:

• Cloud hosting providers that store our data securely
• Payment processors that handle transactions (we never see your full credit card details)
• Email service providers that help us send communications
• Analytics tools that help us understand user behavior
• Customer support platforms that help us assist you effectively

These service providers are contractually bound to protect your information and can only use it for the specific services they provide to us.

Legal Requirements

We'll disclose your information if required by law, court order, or government regulation. This is rare, but it happens when legally necessary to:

• Comply with legal processes or government requests
• Protect our rights, property, or safety
• Investigate potential violations of our terms
• Protect against fraud or security threats

Business Transfers

If veltraveniqo is involved in a merger, acquisition, or sale of assets, your information might be transferred as part of that transaction. We'd notify you before this happens and ensure the new owner maintains similar privacy protections.

Your Privacy Rights

Under Australian privacy law, you have significant rights regarding your personal information. Here's what you can do and how to exercise these rights:

Data Security

We take data security seriously and implement multiple layers of protection to safeguard your information:

Technical Safeguards

• Industry-standard encryption for data transmission (TLS/SSL)
• Encrypted storage for sensitive information
• Secure authentication systems with password protection
• Regular security audits and vulnerability assessments
• Automated monitoring for suspicious activity

Organizational Measures

• Staff training on data protection and privacy practices
• Limited access to personal information on a need-to-know basis
• Confidentiality agreements with all employees and contractors
• Incident response procedures for potential data breaches

Despite our best efforts, no system is completely secure. If we discover a data breach that poses a serious risk to your privacy, we'll notify you and the OAIC as required by law. We'll also take immediate steps to contain the breach and prevent further unauthorized access.

Data Retention

We keep your personal information only as long as necessary for the purposes outlined in this policy. Here's our general retention approach:

• Active Accounts: We retain your account information while your account is active and for a reasonable period after to allow reactivation
• Course Data: Learning progress and completion records are kept for 7 years to maintain educational records
• Financial Records: Payment and transaction data is retained for 7 years as required by Australian tax law
• Marketing Data: Contact information for marketing purposes is retained until you unsubscribe or request deletion
• Support Records: Customer service interactions are kept for 3 years for quality assurance and dispute resolution

After retention periods expire, we securely delete or anonymize your information so it can no longer identify you. Some aggregated, non-personal data might be retained indefinitely for statistical purposes.

International Data Transfers

veltraveniqo primarily operates in Australia, and most of your data is stored on servers located within Australia. However, some of our service providers operate internationally, which means your information might occasionally be transferred to or accessed from other countries.

When we transfer data internationally, we ensure adequate protections are in place through:

• Contractual clauses requiring service providers to maintain Australian-equivalent privacy standards
• Verification that receiving countries have adequate privacy protections
• Additional security measures for sensitive information

Countries we commonly work with include the United States (for certain cloud services) and the United Kingdom. These transfers are conducted in compliance with APP 8, which governs cross-border data disclosure.

Cookies and Tracking Technologies

Our website uses cookies — small text files stored on your device that help us provide a better user experience. Here's what you should know:

Types of Cookies We Use

1. Essential Cookies: Required for the website to function properly (login, security, load balancing). You can't disable these if you want to use our services.
2. Functional Cookies: Remember your preferences and settings to provide a personalized experience.
3. Analytics Cookies: Help us understand how visitors use our site so we can improve it. These collect anonymous usage statistics.
4. Marketing Cookies: Track your activity across websites to show relevant content. These are optional and require your consent.

Most browsers let you control cookies through their settings. You can block or delete cookies, though this might affect website functionality. Visit your browser's help section to learn how to manage cookie preferences.

We also use similar technologies like web beacons and pixel tags in emails to track open rates and engagement. You can typically disable these by adjusting your email client settings to block images.

Children's Privacy

Our services are designed for adults and are not intended for anyone under 18 years of age. We don't knowingly collect personal information from children.

If you're under 18, please don't use our services or provide any personal information to us. If we discover we've inadvertently collected information from someone under 18, we'll delete it promptly.

Parents or guardians who believe we might have information about a child should contact us immediately at info@veltraveniqo.com so we can remove it.

Changes to This Policy

We update this privacy policy occasionally to reflect changes in our practices, technology, legal requirements, or business operations. When we make significant changes, we'll notify you by:

• Posting a notice on our website homepage
• Sending an email to the address associated with your account
• Requiring you to acknowledge the updated policy when you next log in

The "Last Updated" date at the top of this policy shows when it was most recently revised. We encourage you to review this policy periodically to stay informed about how we're protecting your information.

Continued use of our services after policy changes indicates your acceptance of the updated terms. If you disagree with changes, you can stop using our services and request deletion of your account.

Third-Party Links

Our website might contain links to external sites operated by third parties. These links are provided for your convenience, but we don't control these sites or their privacy practices.

This privacy policy applies only to veltraveniqo's services. When you click a link to another site, that site's privacy policy governs how they collect and use your information. We recommend reading the privacy policies of any external sites you visit.

We're not responsible for the content, privacy practices, or security of third-party websites, even if we link to them or they're mentioned in our materials.