Privacy Policy

Introduction and Overview

lumivianoxis Financial Foundation ("we," "us," or "our") operates lumivianoxis.com and provides educational financial services throughout Australia. This privacy policy explains how we collect, use, disclose, and protect your personal information when you interact with our platform, attend our programs, or use our services.

We're committed to protecting your privacy in accordance with the Australian Privacy Principles (APPs) under the Privacy Act 1988 (Cth) and other applicable privacy laws. This policy applies to all personal information we collect about you, regardless of how we collect it.

Information We Collect

Personal Information

We collect various types of personal information depending on how you interact with our services:

How We Collect Information

• Directly from you when you register for courses, contact us, or participate in our programs
• Through our website using cookies, web beacons, and similar tracking technologies
• From third parties such as payment processors, marketing partners, or referral sources
• During face-to-face interactions at our Rockhampton office or educational events

How We Use Your Information

We use your personal information for several purposes, always in accordance with Australian privacy law:

• Providing educational services, course materials, and personalized learning experiences
• Processing payments, managing enrollments, and maintaining accurate student records
• Communicating about courses, events, policy changes, and important announcements
• Improving our services through research, analytics, and feedback collection
• Complying with legal obligations and regulatory requirements
• Marketing our services to existing and potential students (with appropriate consent)

Sharing and Disclosure

We may share your personal information in specific circumstances:

Service Providers

We work with trusted third-party service providers who help us deliver our services, including payment processors, email marketing platforms, cloud storage providers, and educational technology partners. These providers are contractually bound to protect your information and use it only for specified purposes.

Legal Requirements

We may disclose your information when required by law, court order, or government regulation, or when we believe disclosure is necessary to protect our rights, your safety, or the safety of others.

Business Transfers

In the event of a merger, acquisition, or sale of assets, your personal information may be transferred to the new entity, subject to the same privacy protections outlined in this policy.

Data Security and Protection

We implement comprehensive security measures to protect your personal information:

• Encryption of sensitive data both in transit and at rest using industry-standard protocols
• Secure servers with regular security updates and monitoring systems
• Access controls ensuring only authorized personnel can access personal information
• Regular security audits and vulnerability assessments
• Staff training on privacy protection and data handling procedures

Despite our security measures, no system is completely secure. We encourage you to use strong passwords and keep your login credentials confidential.

Your Privacy Rights

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

To exercise these rights, contact our Privacy Officer using the details below. We'll respond to your request within 30 days and may ask you to verify your identity before processing your request.

Data Retention and International Transfers

Retention Periods

We retain your personal information only as long as necessary for the purposes outlined in this policy:

• Student records: Maintained for 7 years after course completion for certification verification
• Financial records: Kept for 5 years to comply with taxation and accounting requirements
• Marketing data: Retained until you unsubscribe or request deletion
• Website analytics: Anonymized after 26 months in accordance with our analytics provider's policies

International Data Transfers

Some of our service providers are located overseas, including in the United States and European Union. When we transfer your personal information internationally, we ensure appropriate safeguards are in place through contractual arrangements and by selecting providers that comply with recognized privacy frameworks.

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance your browsing experience and gather usage analytics. We use:

• Essential cookies required for website functionality and security
• Analytics cookies to understand how visitors use our website and improve user experience
• Marketing cookies to deliver relevant advertisements and measure campaign effectiveness

You can manage cookie preferences through your browser settings, though disabling certain cookies may affect website functionality.

Updates to This Policy

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

Minor changes, such as formatting updates or clarifications that don't materially affect your rights, may be made without prior notice. We encourage you to review this policy regularly to stay informed about how we protect your privacy.