At ravicnexasaria, we understand that your privacy matters deeply. This policy explains how we handle your personal information when you use our inflation impact education services and website. We're committed to being transparent about our practices and ensuring you have control over your data.
This privacy policy applies to all information collected through our website at ravicnexasaria.world, our educational programs, and any related services we provide. By using our services, you agree to the collection and use of information in accordance with this policy.
Important: This privacy policy complies with Australian Privacy Principles under the Privacy Act 1988 (Cth) and the Australian Privacy Principles Guidelines. If you have any concerns about how we handle your personal information, please contact us using the details provided at the end of this policy.
Information We Collect
Personal Information You Provide
We collect information you voluntarily provide when you interact with our services:
- Contact Details: Name, email address, phone number, and mailing address when you register for programs or contact us
- Educational Information: Learning preferences, educational background, and program-specific information
- Communication Records: Messages you send us, feedback, and support inquiries
- Payment Information: Billing details for program enrollment (processed securely through third-party payment processors)
Information Collected Automatically
When you visit our website, we automatically collect certain technical information:
- Device Information: IP address, browser type, operating system, and device identifiers
- Usage Data: Pages visited, time spent on pages, click patterns, and navigation paths
- Location Data: General geographic location based on IP address (not precise location)
- Cookies and Similar Technologies: Information stored through cookies, web beacons, and similar tracking technologies
| Information Type | Collection Method | Purpose | Retention Period |
|---|---|---|---|
| Contact Information | Forms, Registration | Communication, Program Delivery | 7 years after last contact |
| Usage Analytics | Website Tracking | Service Improvement | 2 years |
| Payment Data | Third-party Processors | Transaction Processing | As required by law |
How We Use Your Information
We use the information we collect for several legitimate business purposes:
Educational Services
- Delivering our inflation impact education programs and materials
- Customizing learning experiences based on your preferences and progress
- Providing support and responding to your inquiries
- Issuing certificates and tracking program completion
Communication and Marketing
- Sending program updates, educational content, and relevant information
- Marketing communications about new programs and services (with your consent)
- Responding to feedback and conducting satisfaction surveys
- Providing customer support and technical assistance
Business Operations
- Processing payments and managing billing
- Analyzing website usage to improve our services
- Maintaining security and preventing fraud
- Complying with legal obligations and regulatory requirements
Legal Basis: Under Australian privacy law, we process your personal information based on consent, contract performance, legitimate interests, and legal compliance. You can withdraw consent for marketing communications at any time.
How We Share Your Information
We don't sell your personal information. However, we may share your information in specific circumstances:
Service Providers
We work with trusted third-party service providers who help us deliver our services:
- Payment Processors: Secure handling of financial transactions
- Email Services: Delivery of educational content and communications
- Web Hosting: Secure hosting of our website and educational materials
- Analytics Providers: Website performance and usage analysis
Legal Requirements
We may disclose your information when required by law or to:
- Comply with court orders, subpoenas, or legal processes
- Respond to lawful requests from government authorities
- Protect our rights, property, or safety, or that of others
- Investigate fraud or security breaches
Business Transfers
In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the transaction. We will notify you of any such change and provide options regarding your personal information.
Data Security Measures
We implement comprehensive security measures to protect your personal information:
Technical Safeguards
- Encryption: All data transmission uses SSL/TLS encryption
- Secure Storage: Personal information is stored in encrypted databases
- Access Controls: Limited access based on job requirements and need-to-know basis
- Regular Monitoring: Continuous monitoring for security threats and vulnerabilities
Organizational Measures
- Regular security training for all staff members
- Strict confidentiality agreements with employees and contractors
- Regular security audits and vulnerability assessments
- Incident response procedures for any security breaches
Data Breach Notification: In the unlikely event of a data breach that poses serious harm, we will notify affected individuals and the Australian Privacy Commissioner within the timeframes required by law.
Your Privacy Rights
Under Australian privacy law, you have several important rights regarding your personal information:
Access and Correction
- Right to Access: Request a copy of the personal information we hold about you
- Right to Correction: Ask us to correct inaccurate or incomplete information
- Right to Deletion: Request deletion of your personal information (subject to legal obligations)
Communication Preferences
- Opt-out: Unsubscribe from marketing communications at any time
- Communication Preferences: Choose how and when we contact you
- Consent Withdrawal: Withdraw consent for specific data processing activities
How to Exercise Your Rights
To exercise any of these rights, please contact us using the information provided in the Contact section. We will:
- Respond to your request within 30 days
- Verify your identity before processing requests
- Provide information in a clear and accessible format
- Not charge fees for reasonable requests
Privacy Complaints: If you're not satisfied with how we handle your privacy concerns, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au.
Data Retention Periods
We retain your personal information only as long as necessary for the purposes outlined in this policy:
Retention Schedules
- Educational Records: 7 years after program completion or last contact
- Financial Records: 7 years as required by Australian tax and business laws
- Marketing Data: Until you unsubscribe or 3 years of inactivity
- Website Analytics: 2 years from collection date
- Support Communications: 3 years after resolution
Deletion Procedures
When retention periods expire, we:
- Securely delete or anonymize personal information
- Remove data from backup systems within reasonable timeframes
- Ensure third-party providers also delete shared information
- Maintain records of deletion for compliance purposes
International Data Transfers
Some of our service providers may be located outside Australia. When we transfer your personal information internationally, we ensure appropriate safeguards:
Transfer Safeguards
- Adequacy Decisions: Transfers to countries with adequate privacy protections
- Contractual Protections: Standard contractual clauses with international service providers
- Certification Programs: Providers certified under recognized privacy frameworks
- Due Diligence: Regular assessment of international partners' privacy practices
We currently work with service providers in the United States and European Union, all of whom maintain strong privacy protections equivalent to Australian standards.
Changes to This Policy
We may update this privacy policy from time to time to reflect changes in our practices, technology, or legal requirements. When we make changes:
- We will post the updated policy on this page
- We will update the "Last Updated" date at the top of the policy
- For material changes, we will notify you by email or through our website
- Changes become effective 30 days after notification
We encourage you to review this privacy policy periodically to stay informed about how we protect your information.
Privacy Contact Information
If you have questions about this privacy policy or our data practices, please contact us:
Privacy Officer
ravicnexasaria Financial Education
6 Trebilco Cl, Thornton NSW 2322, Australia
Email: privacy@ravicnexasaria.world.com
Phone: +61 2 8824 3422
We aim to respond to all privacy inquiries within 5 business days. For urgent matters, please call during business hours (Monday to Friday, 9:00 AM to 5:00 PM AEST).