When you engage with ryvelonatara's budgeting education programs, we collect several types of information to provide you with personalised learning experiences and improve our services.

Personal Information: This includes your name, email address, phone number, and postal address when you register for courses or contact us directly. We also collect payment information when you enroll in paid programs, though this is processed securely through third-party payment processors.

Educational Progress Data: We track your course completion rates, quiz results, and learning preferences to customise your educational journey and provide relevant financial literacy content.

• Registration and account creation details
• Communication preferences and contact history
• Device information and browsing patterns on our platform
• Feedback and survey responses about our educational content
• Financial goals and budgeting challenges you share with us

Your information helps us deliver effective budgeting education tailored to Australian financial circumstances and regulations. Here's specifically how we use what you share with us:

We personalise your learning experience by analysing your progress and adapting course recommendations based on your financial literacy level and stated goals. This means you'll receive content that matches your current understanding and helps you build practical budgeting skills progressively.

Additionally, we use aggregated, anonymised data to improve our educational content and understand common budgeting challenges faced by Australians. This helps us develop more relevant courses and resources without compromising individual privacy.

ryvelonatara does not sell your personal information to third parties. We believe your financial education journey should remain private and secure.

We may share limited information in these specific circumstances:

• With certified financial educators who directly support your learning (only relevant educational progress data)
• With technology service providers who help deliver our platform (under strict confidentiality agreements)
• When required by Australian law or to protect the safety and security of our users
• With your explicit consent for specific educational partnerships or opportunities

If ryvelonatara undergoes a business transition, such as a merger or acquisition, user information may be transferred as part of the business assets, but the new entity would be bound by the same privacy commitments outlined in this policy.

We implement multiple layers of security to protect your personal and educational data. Our systems use industry-standard encryption for data transmission and storage, with regular security audits conducted by third-party specialists.

Access to your information is restricted to authorized ryvelonatara staff who need it for educational service delivery. All team members undergo privacy training and are bound by confidentiality agreements.

While we implement strong security measures, no online system is completely immune to security risks. We continuously monitor and update our security practices to address emerging threats and protect your educational data.

Under Australian privacy law, you have several rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you
• Correction: Ask us to update or correct inaccurate information
• Deletion: Request removal of your personal data (subject to legal retention requirements)
• Portability: Obtain your educational progress data in a standard format
• Complaint: Lodge a privacy complaint with us or the Office of the Australian Information Commissioner

To exercise these rights, contact our privacy team using the details provided below. We'll respond to your request within 30 days and may need to verify your identity before processing certain requests.

You can also manage your communication preferences through your account settings or by clicking unsubscribe links in our emails. Note that opting out of marketing communications won't affect essential course-related updates.

We retain your personal information only as long as necessary to provide educational services and meet legal obligations. Here's our general retention approach:

Active Accounts: Personal and educational data is retained while your account remains active and for two years after your last course interaction to allow for re-enrollment and continued learning.

Inactive Accounts: After three years of inactivity, we delete personal identifiers while retaining anonymised educational data for course improvement purposes.

Financial Records: Payment and enrollment records are kept for seven years to comply with Australian taxation and business record requirements.

Upon account deletion or data retention expiry, we securely destroy personal information using industry-standard data destruction methods. Some information may be retained longer if required by law or for legitimate business purposes such as fraud prevention.

ryvelonatara uses cookies and similar technologies to enhance your learning experience and analyze platform usage. We distinguish between essential cookies required for platform functionality and optional cookies for analytics and personalisation.

Essential Cookies: These enable core platform features like login sessions, course progress tracking, and security measures. These cannot be disabled without affecting platform functionality.

Analytics Cookies: We use these to understand how users interact with our educational content, which helps us improve course design and identify areas where learners may need additional support.

You can control cookie preferences through your browser settings or our cookie consent tool. Disabling analytics cookies won't impact your ability to access educational content, though it may limit our ability to personalise your experience.

We review and may update this privacy policy periodically to reflect changes in our services, legal requirements, or privacy practices. When significant changes occur, we'll notify active users via email and prominently display the updated policy on our platform.

Minor updates, such as clarifications or administrative changes, will be posted directly to this page with an updated "last modified" date. We encourage you to review this policy periodically to stay informed about how we protect your information.

Continued use of ryvelonatara's services after policy updates indicates your acceptance of the revised terms. If you disagree with changes, you may close your account or contact us to discuss your concerns.