Privacy Policy
Last Updated: March 2025
At celmoraqen, we believe transparency builds trust. This policy explains how we handle your personal information when you use our financial analysis platform and educational services. We're based in Australia, so we follow the Privacy Act 1988 and the Australian Privacy Principles.
What Information We Collect
When you interact with our platform, we gather different types of information. Some you provide directly – like when you sign up or contact us. Other data comes from how you use our services.
Information You Give Us
- Name and contact details (email, phone number)
- Professional background and industry experience
- Company information if you're enrolling through your workplace
- Payment and billing details for course fees
- Communication preferences and learning goals
Information We Collect Automatically
Our systems track usage patterns to help improve your experience. This includes your IP address, browser type, pages you visit, and how long you spend on different sections. We use standard analytics tools – nothing invasive.
How We Use Your Data
Your information serves specific purposes. We don't collect data just to have it sitting around.
| Purpose | What This Means |
|---|---|
| Course Delivery | Providing access to learning materials, tracking progress, issuing certificates |
| Communication | Sending course updates, responding to questions, sharing relevant industry insights |
| Platform Improvement | Understanding how people use our services so we can make them better |
| Legal Obligations | Meeting Australian regulatory requirements for educational providers |
We never sell your personal information to third parties. That's not our business model, and frankly, it would go against everything we stand for as an educational institution.
Who We Share Data With
Sometimes we need to share information with other organizations. But we're selective about who gets access and why.
Service Providers
We work with trusted companies that help run our platform – hosting providers, payment processors, email services. These partners can only use your data to deliver the services we've hired them for. They sign contracts promising to protect your information.
Professional Partners
If you're taking courses through a corporate partnership, we might share completion records with your employer. We'll always tell you beforehand if this applies to your situation.
Legal Requirements
Australian law might require us to disclose information in certain circumstances – court orders, regulatory investigations, that sort of thing. We'd comply with valid legal requests while protecting your rights where possible.
Your Rights Under Australian Law
The Australian Privacy Principles give you real control over your personal information. Here's what you can actually do:
Access Your Data
Request a copy of the personal information we hold about you. We'll provide it within 30 days, usually much faster.
Correct Information
If something's wrong or outdated, let us know. We'll fix it promptly and notify anyone we've shared it with.
Request Deletion
Ask us to delete your data. We'll comply unless we have a legal reason to keep it (like course completion records).
Opt Out
Unsubscribe from marketing emails anytime. You'll still get essential course-related messages.
Lodge a Complaint
If you're unhappy with how we handle your data, contact us first. If that doesn't resolve things, you can reach the OAIC.
Transfer Data
Request your course history and personal data in a portable format to transfer to another provider.
How We Protect Your Information
Security isn't just about technology. It's about process, training, and vigilance.
Technical Measures
We encrypt data in transit and at rest. Our systems run on secure Australian servers with regular backups. Access controls mean staff only see information relevant to their role. We monitor for unusual activity and patch vulnerabilities quickly.
Organizational Safeguards
Our team receives regular privacy training. We have clear policies about handling sensitive information. When we bring on new service providers, security capabilities factor heavily into our decision.
No system is completely foolproof. If a data breach affects your information, we'll notify you and the OAIC within 72 hours, along with steps we're taking to address the situation.
Data Retention Periods
We don't keep information longer than necessary. Different types of data have different retention schedules:
- Course Records: Seven years after completion (Australian tax and education regulations require this)
- Marketing Data: Three years of inactivity, then deleted unless you've opted back in
- Support Communications: Two years for quality assurance and dispute resolution
- Payment Information: Minimum required by payment processors and tax law, typically seven years
- Analytics Data: Aggregated and anonymized after 18 months
When we delete data, it's gone from active systems and backups within 90 days. Some information might persist in archived backups for technical reasons but becomes inaccessible.
International Data Transfers
We primarily store data on Australian servers. However, some service providers operate internationally. When data leaves Australia, we ensure adequate protections are in place.
Our Approach
We only work with overseas providers who commit to Australian-equivalent privacy standards. This usually means companies certified under recognized international frameworks or with specific contractual obligations.
If you're concerned about where your specific data resides, contact us. We can provide details about storage locations and protective measures for your information.
Cookies and Tracking
Our website uses cookies – small text files that help the site remember you between visits. Some are essential for the platform to work. Others help us understand usage patterns.
Types of Cookies We Use
- Necessary Cookies: Keep you logged in, remember your preferences, ensure security
- Analytics Cookies: Show us which pages get visited, where people spend time, what causes confusion
- Functional Cookies: Remember your settings like video quality preferences or language choice
You can disable cookies through your browser settings. Be aware this might affect how the platform works for you. Essential cookies will still operate to maintain basic functionality and security.
Children's Privacy
Our services are designed for adults in professional settings. We don't knowingly collect information from anyone under 18. If you're under 18 and interested in our programs, have a parent or guardian contact us to discuss appropriate arrangements.
If we discover we've inadvertently collected data from a minor, we'll delete it immediately and notify the person who provided it.
Changes to This Policy
Privacy practices evolve as technology and regulations change. When we update this policy, we'll post the new version here and update the date at the top.
Significant changes – like new ways we use data or major shifts in how we share information – will trigger an email notification if you have an active account. We encourage everyone to review the policy periodically regardless.
Questions or Concerns?
If something in this policy is unclear, or you want to exercise any of your rights, reach out to us directly:
Email: contact@celmoraqen.com
Phone: +61 7 5524 4266
Mail: celmoraqen, Westfield Eastgardens, 341/152 Bunnerong Rd, Pagewood
NSW 2035, Australia
We aim to respond to privacy inquiries within five business days. Complex requests might take longer, but we'll keep you informed about progress.
If you're not satisfied with our response, you can contact the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au or call 1300 363 992.