zenarithyros - Professional Financial Model Development & Training

Introduction and Overview

zenarithyros Financial Education Pty Ltd (ABN: 23 456 789 012) respects your privacy and is committed to protecting your personal information. This privacy policy explains how we collect, use, store, and share your personal information when you use our financial education services, visit our website, or engage with our programs.

We operate under Australian privacy laws, including the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). This policy was last updated in February 2025 and applies to all personal information we collect about you.

Important: By using our services, enrolling in our programs, or providing us with your personal information, you consent to the collection, use, and disclosure of your information as described in this policy.

Information We Collect

We collect various types of personal information depending on how you interact with our services. The information we collect helps us provide better educational experiences and maintain our financial modeling programs.

Personal Details

Full name, date of birth, and contact information including phone numbers and email addresses
Residential and postal addresses for program materials and communications
Educational background and professional experience relevant to financial services
Employment details and income information for program suitability assessment
Government-issued identification numbers where required for verification purposes

Program and Learning Information

Course enrollment details, progress tracking, and completion records
Assessment results, assignment submissions, and feedback provided
Workshop attendance records and participation in group activities
Learning preferences and accessibility requirements
Communication preferences and marketing consent status

Technical and Website Information

IP address, browser type, device information, and operating system details
Website usage patterns, page visits, and time spent on different sections
Login credentials and account security information
Cookies and similar tracking technologies as detailed in our Cookie Policy

How We Use Your Information

Your personal information helps us deliver quality financial education services and maintain ongoing relationships with our students and business clients. We use your information for several specific purposes, always within the scope of your consent and Australian privacy laws.

Delivering our financial modeling courses, workshops, and educational programs including progress tracking and certification
Providing customer support, responding to inquiries, and addressing technical issues with our learning platform
Processing payments, managing refunds, and maintaining financial records for accounting and taxation purposes
Sending course materials, program updates, and important administrative communications
Conducting research to improve our educational offerings and developing new learning resources
Marketing our services to existing students, but only where you have provided explicit consent
Meeting legal obligations including taxation reporting and regulatory compliance within the financial services sector
Protecting our systems from fraud, ensuring account security, and maintaining the integrity of our educational platform

We never sell your personal information to third parties. All marketing communications include clear unsubscribe options, and you can withdraw your consent at any time by contacting our privacy team.

Information Sharing and Disclosure

We may share your personal information with trusted third parties, but only when necessary to provide our services or when required by law. All third parties we work with are bound by confidentiality agreements and must handle your information according to Australian privacy standards.

Service Providers and Business Partners

Educational technology platforms that host our learning management system and course content
Payment processors for secure handling of tuition fees and other financial transactions
Cloud storage providers who maintain our systems and backup your learning progress
Professional advisors including lawyers, accountants, and business consultants bound by professional confidentiality
Marketing and communication service providers who help us deliver course updates and educational newsletters

Legal and Regulatory Requirements

We may disclose your information when required by Australian law, court orders, or regulatory authorities. This includes sharing information with AUSTRAC for anti-money laundering compliance, ASIC for financial services regulation, or the Australian Taxation Office for tax reporting purposes.

Business Transfers

If zenarithyros undergoes a merger, acquisition, or sale of assets, your personal information may be transferred to the new entity. We will notify you before your information becomes subject to a different privacy policy and ensure the new entity maintains equivalent privacy protections.

Data Security and Protection

We implement comprehensive security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. Our security practices are regularly reviewed and updated to address emerging threats and maintain industry best practices.

Encryption of data both in transit and at rest using industry-standard AES-256 encryption protocols
Multi-factor authentication for all staff accounts with access to student information
Regular security audits and penetration testing conducted by independent cybersecurity firms
Secure data centers located within Australia with 24/7 monitoring and physical access controls
Employee training programs covering privacy obligations and secure data handling practices
Incident response procedures to quickly address any potential data breaches or security concerns
Regular software updates and security patches applied to all systems handling personal information

Data Breach Notification: In the unlikely event of a data breach that may cause serious harm, we will notify affected individuals and the Office of the Australian Information Commissioner within 72 hours as required by law.

Your Privacy Rights

Under Australian privacy laws, you have several important rights regarding your personal information. We're committed to helping you exercise these rights and will respond to your requests within 30 days of receiving them.

Access and Correction Rights

Request access to the personal information we hold about you, including details about how it's been used and shared
Correct any inaccurate or outdated information in your student records or account profile
Request a copy of your personal information in a portable, machine-readable format
Update your communication preferences and marketing consent at any time

Deletion and Restriction Rights

Request deletion of your personal information, subject to legal and regulatory retention requirements
Restrict the processing of your information in certain circumstances, such as while we investigate accuracy concerns
Withdraw your consent for marketing communications or optional data processing activities
Object to the processing of your information for direct marketing purposes

To exercise your privacy rights, contact our Privacy Officer using the details provided at the end of this policy. We may need to verify your identity before processing certain requests to ensure we're protecting your information appropriately.

Data Retention and Deletion

We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, comply with legal obligations, and resolve any disputes. Our retention periods vary depending on the type of information and applicable legal requirements.

Student Records and Educational Information

Course enrollment records and completion certificates: 7 years after program completion for verification purposes
Assessment results and academic transcripts: Permanently retained for academic integrity and future reference requests
Learning progress data and platform usage: 3 years after last account activity
Student feedback and course evaluations: 5 years for quality improvement and accreditation purposes

Financial and Business Records

Payment information and transaction records: 7 years as required by Australian taxation law
Refund requests and financial disputes: 7 years after resolution
Business communications and contracts: Duration of relationship plus 7 years

Marketing and Communications

Marketing communications data is retained until you withdraw consent or unsubscribe from our mailing lists. Website analytics data is typically retained for 26 months, while technical logs are deleted after 12 months unless required for security investigations.

International Data Transfers

While we primarily store and process your information within Australia, some of our service providers may be located overseas. When we transfer personal information internationally, we ensure appropriate safeguards are in place to protect your privacy rights.

All international data transfers comply with Australian Privacy Principle 8 regarding cross-border disclosure
Service providers in the United States operate under Privacy Shield frameworks or equivalent data protection agreements
European Union-based providers are bound by GDPR regulations that provide equivalent privacy protections
We conduct regular reviews of international service providers to ensure ongoing compliance with privacy standards
Data processing agreements include specific clauses requiring protection of Australian personal information

If you have concerns about international data transfers, please contact us to discuss alternative arrangements that may be available for your specific situation.

Cookies and Online Tracking

Our website uses cookies and similar technologies to enhance your browsing experience, remember your preferences, and provide personalized content. You have control over how cookies are used and can adjust your preferences at any time.

Types of Cookies We Use

Essential cookies that enable basic website functionality and secure access to your student account
Performance cookies that help us understand how visitors use our site and identify areas for improvement
Functional cookies that remember your preferences and provide enhanced features
Analytics cookies that provide insights into website usage patterns and help us optimize content delivery

You can control cookie settings through your browser preferences or our cookie consent management tool. Disabling certain cookies may affect website functionality, but essential cookies cannot be disabled as they're necessary for security and basic operations.

Changes to This Privacy Policy

We regularly review and update this privacy policy to reflect changes in our practices, technology, and legal requirements. When we make significant changes, we'll notify you through multiple channels to ensure you're aware of how these changes may affect you.

Email notifications to all registered students and business contacts at least 30 days before changes take effect
Prominent notices on our website homepage and student portal announcing policy updates
Updated version dates clearly displayed at the top of this policy document
Summary of changes provided in plain language to help you understand what's different

Your continued use of our services after policy changes indicates your acceptance of the updated terms. If you disagree with changes, you may close your account or contact us to discuss your concerns.

Complaints and Dispute Resolution

If you have concerns about how we've handled your personal information, we encourage you to contact us first so we can work together to resolve the issue. We take all privacy complaints seriously and have established procedures to investigate and respond to your concerns.

Our Complaints Process

Submit your complaint in writing to our Privacy Officer with specific details about your concerns
We'll acknowledge receipt within 5 business days and begin our investigation
Most complaints are resolved within 30 days, though complex matters may take longer
You'll receive a written response explaining our findings and any corrective actions taken

External Review: If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au or call 1300 363 992.