Privacy Policy
Last Updated: March 2026
Information We Collect
Personal Information You Provide
When you sign up for our courses or contact us, we collect information you voluntarily share. This typically includes your name, email address, phone number, and billing address. For our specialized liquidity and solvency analysis programs, we might also collect professional background details and educational history.
Automatically Collected Data
Like most websites, we automatically gather certain information about how you use our platform. This includes your IP address, browser type, device information, pages you visit, and time spent on different sections. We use this data to improve our course offerings and understand what content resonates with students.
Learning Progress Information
When you enroll in our programs, we track your progress through course materials, assignment submissions, quiz results, and participation in discussion forums. This helps us personalize your learning experience and provide relevant support.
How We Use Your Information
We use the information we collect for several specific purposes:
- Delivering our educational courses and maintaining your account access
- Processing payments and sending you receipts or billing information
- Communicating about course updates, new programs, and relevant educational content
- Providing technical support and responding to your questions
- Analyzing platform usage to improve our curriculum and user experience
- Ensuring platform security and preventing fraudulent activity
- Complying with legal obligations under Australian law
Important: We never sell your personal information to third parties. Your data is used solely to provide you with better educational services and to fulfill our legal obligations.
Data Collection Methods
| Collection Method | Information Gathered | Purpose |
|---|---|---|
| Account Registration | Name, email, phone number, professional background | Create and manage your student account |
| Course Enrollment | Payment details, educational preferences, learning goals | Process payments and customize learning paths |
| Platform Analytics | Page views, session duration, device type, location data | Improve website functionality and content |
| Communication Channels | Email correspondence, support tickets, feedback forms | Provide support and gather improvement suggestions |
| Course Interaction | Assignment submissions, quiz scores, forum posts | Track progress and provide personalized feedback |
Information Sharing and Disclosure
Service Providers
We work with trusted third-party service providers who help us run our platform. This includes payment processors, email service providers, hosting companies, and analytics tools. These partners are contractually obligated to protect your information and can only use it to provide services on our behalf.
Legal Requirements
We may disclose your information when required by Australian law, legal process, or government request. This includes situations where we need to protect our rights, your safety, or the safety of others. We'll always attempt to notify you before such disclosure unless prohibited by law.
Business Transfers
If lumireqora is acquired by or merges with another company, your information may be transferred as part of that transaction. We'll notify you via email and prominent website notice before your information becomes subject to a different privacy policy.
Your Privacy Rights
Under Australian privacy law, you have several important rights regarding your personal information:
Access Your Information
You can request a copy of the personal information we hold about you. We'll provide this within 30 days of receiving your verified request. There's no charge for your first request in a calendar year.
Correct Your Information
If you believe any information we hold is inaccurate or incomplete, you can ask us to correct it. You can update most information directly through your account settings, or contact us for assistance with information you cannot change yourself.
Delete Your Information
You can request deletion of your personal information, subject to certain exceptions. We may need to retain some information for legal compliance, fraud prevention, or to complete transactions you've requested. When deletion isn't possible, we'll explain why.
Opt Out of Marketing
You can unsubscribe from promotional emails at any time by clicking the unsubscribe link in any marketing email. You'll still receive essential communications about your courses and account.
Data Portability
You can request a copy of your information in a commonly used, machine-readable format. This allows you to transfer your data to another service if you choose.
To Exercise Your Rights: Email us at contact@lumireqora.com with "Privacy Rights Request" in the subject line. We'll verify your identity and respond within 30 days.
Data Security Measures
We take data security seriously and implement multiple layers of protection:
- Encryption of data in transit using TLS 1.3 protocol
- Secure storage with encryption at rest for sensitive information
- Regular security audits and vulnerability assessments
- Access controls limiting who can view your information
- Employee training on data protection and privacy practices
- Multi-factor authentication for administrative access
- Regular backup procedures to prevent data loss
- Incident response plan for potential security breaches
While we implement strong security measures, no system is completely secure. We encourage you to use strong passwords, avoid sharing login credentials, and notify us immediately if you suspect unauthorized access to your account.
Data Retention Periods
We retain your information for different periods depending on its type and purpose:
| Information Type | Retention Period | Reason |
|---|---|---|
| Account Information | Duration of active account plus 3 years | Maintain service access and handle potential disputes |
| Course Progress Data | Duration of active account plus 5 years | Provide transcripts and verify completion certificates |
| Payment Records | 7 years from transaction date | Australian tax law compliance requirements |
| Marketing Preferences | Until you opt out or account deletion | Respect communication preferences |
| Support Communications | 3 years from last interaction | Quality assurance and dispute resolution |
| Analytics Data | 26 months from collection | Platform improvement and trend analysis |
After these periods, we securely delete or anonymize your information so it can no longer identify you.
Cookies and Tracking Technologies
Our website uses cookies and similar technologies to enhance your experience. Cookies are small text files stored on your device that help us remember your preferences and understand site usage.
Essential Cookies
These cookies are necessary for the website to function properly. They enable basic features like page navigation, secure access to your account, and course delivery. You cannot opt out of essential cookies.
Performance Cookies
These collect anonymous information about how visitors use our site. We use this data to identify popular content, spot technical issues, and improve overall performance. You can disable these cookies through your browser settings.
Functionality Cookies
These remember your choices and preferences, such as language selection, display settings, and course bookmarks. Disabling these may affect your user experience.
Most browsers allow you to control cookies through their settings. Keep in mind that blocking certain cookies may impact site functionality.
International Data Transfers
lumireqora operates primarily within Australia, but some of our service providers may be located overseas. When we transfer your information internationally, we ensure appropriate safeguards are in place:
- We only work with providers in countries with adequate privacy protections
- Contractual agreements require overseas providers to protect your data according to Australian standards
- We conduct due diligence on international partners before sharing information
- Regular audits ensure ongoing compliance with privacy requirements
By using our services, you consent to these transfers under the conditions outlined above. If you have concerns about international data transfers, please contact us to discuss available alternatives.
Children's Privacy
Our services are designed for adults seeking professional financial education. We do not knowingly collect personal information from individuals under 18 years of age. If you're under 18, please do not submit personal information through our website.
If we discover we've inadvertently collected information from someone under 18, we'll delete it promptly. Parents or guardians who believe we may have collected information from a minor should contact us immediately.
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 by:
- Posting a notice on our homepage for 30 days
- Sending an email to your registered address
- Updating the "Last Updated" date at the top of this policy
We encourage you to review this policy periodically to stay informed about how we protect your information. Your continued use of our services after changes take effect constitutes acceptance of the updated policy.
Third-Party Links
Our website may contain links to external sites, resources, or partner platforms. We're not responsible for the privacy practices of these third parties. When you leave our site, we encourage you to read the privacy policies of any site you visit.
We carefully select our partners, but cannot guarantee their privacy practices. Any information you provide to third-party sites is governed by their privacy policies, not ours.
Complaints and Disputes
If you believe we've mishandled your personal information or violated your privacy rights, please contact us first. We'll investigate your complaint and respond within 30 days.
If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner:
- Website: www.oaic.gov.au
- Email: enquiries@oaic.gov.au
- Phone: 1300 363 992
- Mail: GPO Box 5218, Sydney NSW 2001
Contact Us About Privacy
If you have questions about this privacy policy or how we handle your personal information, we're here to help.
Email: contact@lumireqora.com
Phone: +61 2 6881 9112
Mail: Privacy Officer, lumireqora
66 Canning Hwy
Perth WA 6100
Australia
We aim to respond to all privacy inquiries within 5 business days.