Information We Collect

Running a financial education platform means we need certain information to provide our services effectively. Here's what we collect and why it matters.

Information You Give Us Directly

When you sign up for our programs or contact us, you share information voluntarily. This includes your name, email address, phone number, and business details. If you're enrolling in paid programs, we'll also collect billing information through secure payment processors.

Sometimes people ask if we record consultations — yes, but only with your explicit permission and we'll tell you before hitting record.

Information We Collect Automatically

Like most websites, we collect technical information when you visit. This includes your IP address, browser type, device information, and how you interact with our site. We use this to improve the user experience and identify technical issues.

How We Use Your Information

We're not in the business of selling data or bombarding you with spam. Here's what we actually do with your information:

Purpose	Details
Service Delivery	Providing access to learning materials, processing enrollments, and managing your account
Communication	Sending program updates, responding to inquiries, and sharing relevant educational content
Improvement	Analyzing usage patterns to enhance our platform and develop better resources
Legal Compliance	Meeting Australian financial services regulations and maintaining required records

We won't use your email to send marketing unless you've opted in. And even then, you can unsubscribe anytime — no hard feelings.

Your Rights Under Australian Privacy Law

The Australian Privacy Act gives you specific rights about your personal information. We take these seriously, not because we have to, but because it's the right thing to do.

To exercise any of these rights, email us at help@zentriovexa.com. We'll respond within 5 business days to acknowledge your request.

Data Security Measures

Security isn't just about fancy encryption — though we use that too. It's about creating multiple layers of protection so your information stays safe.

Technical Safeguards

We use industry-standard SSL/TLS encryption for data transmission. All personal information is stored on secure servers located in Australia with restricted access. Our payment processing is handled by PCI-compliant third-party providers — we never store your complete credit card details.

Administrative Safeguards

Access to personal information is limited to staff members who genuinely need it for their work. Everyone on our team signs confidentiality agreements and receives regular privacy training. We log all access to sensitive data to maintain accountability.

Physical Safeguards

Our office at PO Box 209N Cairns North QLD 4870 has controlled access. Physical documents containing personal information are stored in locked cabinets and shredded when no longer needed.

Data Retention and Deletion

We don't keep your information forever just because we can. Different types of data have different retention periods based on legal requirements and practical needs.

1. Active Account Information: We retain your profile and learning progress while your account is active and for 12 months after your last interaction with our services.
2. Financial Records: Australian tax law requires us to keep financial transaction records for seven years. This includes enrollment payments and billing information.
3. Communication Records: Emails and support conversations are kept for three years to help resolve any disputes or questions that might arise.
4. Marketing Data: If you've opted out of marketing communications, we keep a record of this preference indefinitely to ensure we don't contact you again.
5. Analytics Data: Aggregated, anonymized usage statistics may be retained indefinitely as they can't identify individual users.

When retention periods expire, we securely delete information using data wiping software that meets Australian government standards.

Sharing Your Information

We're selective about who we share your data with. Here's the complete list:

Service Providers

Some third parties help us deliver our services. Payment processors handle transactions, email platforms send our communications, and hosting providers keep our website running. All these partners are bound by strict confidentiality agreements and can only use your data for the specific services they provide to us.

Legal Obligations

If required by Australian law or a valid court order, we may need to disclose your information to government authorities. This happens rarely, but we're obligated to comply with legitimate legal requests.

Business Transfers

In the unlikely event zentriovexa is sold or merged with another company, your information would be transferred to the new owner. We'd notify you beforehand and ensure the new owner agrees to protect your data under terms at least as protective as this policy.

With Your Consent

Beyond these scenarios, we'll never share your personal information without asking you first.

International Data Transfers

We primarily store data within Australia, but some service providers operate servers overseas. When data leaves Australia, we ensure it's protected through approved transfer mechanisms like standard contractual clauses.

The countries where your data might be processed include the United States (for email services) and Singapore (for cloud infrastructure). These locations are chosen for their robust data protection frameworks and our service providers' security standards.

You have the right to object to international transfers. If you'd prefer your data stays exclusively in Australia, contact us and we'll explore alternative arrangements — though this may limit some service features.

Cookies and Tracking Technologies

Our website uses cookies, but we keep it minimal. Here's what we use and why:

Essential Cookies

These are necessary for the website to function. They remember you're logged in and maintain your session as you navigate between pages. You can't really disable these without breaking the site's basic functionality.

Analytics Cookies

We use these to understand which pages people visit most, where they drop off, and how they navigate our site. This helps us improve the user experience. The data is aggregated and anonymized — we're not tracking individual behavior patterns.

Preference Cookies

These remember choices you've made, like display settings or which notifications you've dismissed. They make your experience more convenient on repeat visits.

We don't use advertising cookies or third-party tracking for marketing purposes. You can manage cookie preferences through your browser settings, though disabling cookies may affect site functionality.

Children's Privacy

Our services are designed for adults managing businesses. We don't knowingly collect information from anyone under 18 years old. If you're a parent and discover your child has provided us with personal information, please contact us immediately and we'll delete it.

While business growth principles could theoretically interest younger people, our programs require business ownership or management authority, which typically involves being over 18.

Changes to This Policy

Privacy regulations change, and our practices may need to adapt. When we update this policy, we'll change the date at the top and notify active users via email if the changes significantly affect how we handle your data.

We recommend reviewing this policy occasionally, especially before sharing new information with us. The current version is always available on our website.

Complaints and Dispute Resolution

If you believe we've mishandled your personal information, here's the process:

1. Contact Us Directly: Email help@zentriovexa.com with details of your concern. We'll acknowledge receipt within 5 business days.
2. Investigation: We'll investigate your complaint thoroughly and respond with our findings within 30 days.
3. Resolution: If we've made a mistake, we'll explain how we'll fix it and prevent recurrence. If we disagree with your complaint, we'll explain our reasoning.
4. External Review: Not satisfied with our response? You can lodge a complaint with the Office of the Australian Information Commissioner at oaic.gov.au.

We take complaints seriously because they help us improve. Most privacy concerns stem from miscommunication rather than malicious intent, so honest dialogue usually resolves issues.