Information We Collect

We collect different types of information to provide and improve our financial education services. Here's what we gather and why it matters to you.

How We Collect Your Information

• Directly from you through registration forms, contact inquiries, and program applications
• Automatically through cookies and analytics tools when you browse our website
• From third-party platforms when you sign up through partner organizations
• Through your participation in webinars, workshops, and online learning sessions

How We Use Your Information

Your data helps us deliver quality education and maintain our commitment to corporate culture development in the finance sector. We use the information we collect for specific, legitimate purposes.

• Processing your enrollment in learning programs and managing your educational journey
• Communicating with you about course updates, schedule changes, and new opportunities
• Personalizing your learning experience based on your professional background and goals
• Analyzing program effectiveness and improving our curriculum based on learner outcomes
• Ensuring the security and integrity of our digital platforms and protecting against fraud
• Fulfilling legal obligations under Australian financial services regulations
• Sending relevant industry insights and educational resources you've opted in to receive

Data Sharing and Disclosure

We occasionally share information with trusted partners, but only when necessary and under strict controls. Here's who might access your data and why.

Service Providers and Partners

We work with carefully selected third parties who help us deliver our services:

• Cloud hosting providers who store our educational platform and content securely
• Email service providers who help us communicate program information to you
• Payment processors when you purchase learning programs or materials
• Analytics providers who help us understand how learners interact with our content
• Industry certification bodies when you complete accredited programs

Legal Requirements

We may disclose your information when required by Australian law, court order, or regulatory authority. This includes compliance with financial services regulations, responding to legitimate law enforcement requests, or protecting the rights and safety of torenquvia, our learners, or others.

Business Transfers

If torenquvia undergoes a merger, acquisition, or sale of assets, your information may be transferred to the new entity. We'll notify you beforehand and ensure your data remains protected under this privacy policy or an equivalent standard.

Your Rights and Choices

Under Australian privacy law, you have substantial rights regarding your personal information. We respect these rights and make it easy for you to exercise them.

How to Exercise Your Rights

To make a request or inquiry about your personal information, contact our privacy team at support@torenquvia.com. We'll respond within 30 days and verify your identity before processing any requests. There's no fee for most requests, though we may charge a reasonable amount for excessive or repetitive inquiries.

Data Security and Protection

We implement comprehensive security measures to protect your information from unauthorized access, alteration, disclosure, or destruction. Our approach combines technology, processes, and staff training.

• Industry-standard encryption for data transmission and storage, including SSL/TLS protocols
• Regular security audits and vulnerability assessments by independent experts
• Restricted access controls ensuring only authorized personnel can access personal data
• Secure backup systems with geographically distributed data centers within Australia
• Staff training on privacy obligations and data handling procedures
• Incident response protocols to quickly address any potential security breaches

Data Retention

We keep your personal information only as long as necessary for the purposes outlined in this policy or as required by law. Retention periods vary depending on the type of information and how we use it.

Typical Retention Periods

• Active learner records: Maintained throughout your enrollment and for 7 years after program completion to support certification verification and alumni services
• Marketing communications data: Retained until you unsubscribe or for 2 years of inactivity
• Financial transaction records: Kept for 7 years to comply with Australian taxation and financial services regulations
• Website analytics data: Aggregated and anonymized after 26 months
• Support inquiries: Archived after 3 years unless ongoing correspondence continues

When data reaches the end of its retention period, we securely delete or anonymize it so it can no longer identify you. Archived educational records may be retained longer for historical or statistical purposes in anonymized form.

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance functionality, analyze usage patterns, and personalize your experience. You have control over how these technologies are used.

Types of Cookies We Use

• Essential cookies: Required for basic website functionality, including secure login and navigation
• Performance cookies: Help us understand how visitors interact with our site through anonymized analytics
• Functionality cookies: Remember your preferences and personalize your experience
• Marketing cookies: Used to deliver relevant content and track campaign effectiveness (only with your consent)

You can manage cookie preferences through your browser settings. Disabling certain cookies may affect website functionality and your ability to access some features. Most browsers accept cookies by default, but you can modify settings to decline them or receive notifications when they're being used.

International Data Transfers

torenquvia primarily operates within Australia, and we store your data on servers located in Australian data centers. However, some of our service providers may process data internationally. When this happens, we ensure appropriate safeguards are in place.

Any international transfers comply with Australian privacy law requirements, including ensuring overseas recipients are subject to privacy protections substantially similar to the APPs. We use standard contractual clauses and other approved mechanisms to protect your information when it crosses borders.

Children's Privacy

Our services are designed for professionals and adult learners. We don't knowingly collect personal information from individuals under 18 years of age without parental consent. If you believe we've inadvertently collected information from a minor, please contact us immediately so we can remove it from our systems.

Changes to This Policy

We review and update this privacy policy periodically to reflect changes in our practices, technology, legal requirements, or business operations. When we make significant changes, we'll notify you through email or a prominent notice on our website at least 30 days before the changes take effect.

The "Last Updated" date at the top of this policy indicates when it was most recently revised. We encourage you to review this page occasionally to stay informed about how we protect your privacy. Continued use of our services after policy changes indicates your acceptance of the updated terms.

Third-Party Links

Our website may contain links to external sites, partner organizations, or industry resources. We're not responsible for the privacy practices or content of these third-party sites. We recommend reading their privacy policies before providing any personal information. This policy applies only to information collected by torenquvia through our own platforms and services.

Complaints and Disputes

If you have concerns about how we handle your personal information, we want to hear from you. Contact our privacy officer first, and we'll work to resolve the issue promptly.

If you're not satisfied with our response, you have the right to lodge a complaint with the Office of the Australian Information Commissioner (OAIC). The OAIC can be reached at:

• Phone: 1300 363 992
• Email: enquiries@oaic.gov.au
• Website: www.oaic.gov.au

We take all privacy complaints seriously and will cooperate fully with the OAIC during any investigation.