1. Information We Collect

When you interact with fenoriventa, we collect different types of information depending on how you use our services. Here's what we gather and why:

Personal Information You Provide

This includes information you give us directly when you sign up, contact us, or use our money mindset programs:

• Your name, email address, and phone number
• Billing and payment information when you purchase our programs
• Information about your financial goals and challenges that you share during our programs
• Any questions or feedback you send us through email or contact forms
• Responses to surveys or questionnaires we send out

Information We Collect Automatically

When you visit our website, certain information gets collected automatically through standard web technologies:

• Your IP address and general location (city or region level, not precise GPS)
• Browser type, device information, and operating system
• Pages you visit on our site and how long you spend on them
• Referring website or search terms that brought you to us
• Date and time of your visits

Cookies and Similar Technologies

We use cookies and similar tracking technologies to improve your experience on our site. These small files help us remember your preferences and understand how people use our website. You can control cookie settings through your browser, though some features might not work properly if you disable them.

2. How We Use Your Information

We use the information we collect for specific purposes related to running our business and serving you better:

• Processing payments and managing your account access
• Sending you program updates, educational content, and relevant resources
• Answering your questions and providing customer support
• Improving our programs based on feedback and usage patterns
• Sending occasional emails about new programs or resources (you can opt out anytime)
• Protecting against fraud and maintaining website security
• Complying with legal obligations and responding to lawful requests

We don't sell your personal information to third parties. We don't use your data for purposes unrelated to our money mindset programs without getting your permission first.

3. Sharing Your Information

We only share your information in limited circumstances where it's necessary to provide our services or required by law:

Service Providers

We work with third-party companies that help us run our business. These providers only get access to information they need to perform their specific functions:

• Payment processors who handle credit card transactions securely
• Email service providers who help us send program updates and communications
• Hosting providers who store our website and course content
• Analytics services that help us understand how people use our site

These companies are contractually required to protect your information and can't use it for their own purposes.

Legal Requirements

We might disclose your information if required by Australian law, court order, or government request. We'll also share information if necessary to protect our rights, prevent fraud, or ensure user safety.

Business Transfers

If fenoriventa is acquired by another company or merges with another business, your information would be transferred as part of that transaction. We'd notify you if this happens and if it affects how your data is handled.

4. Data Security

We take reasonable steps to protect your information from unauthorized access, loss, or misuse. This includes:

• Using secure HTTPS encryption for data transmitted to and from our website
• Storing sensitive information on secure servers with restricted access
• Regularly updating our systems and software to address security vulnerabilities
• Limiting employee access to personal information based on job requirements
• Using secure payment processors that comply with industry standards

While we work hard to protect your information, no internet transmission is completely secure. You're responsible for keeping your account password confidential and letting us know if you suspect unauthorized access.

5. Data Retention

We keep your information for as long as necessary to provide our services and comply with legal obligations:

After these periods, we either delete your information or anonymize it so it can't be linked back to you. Some information might be retained longer if required by law or to resolve disputes.

6. Your Rights Under Australian Privacy Law

The Australian Privacy Principles give you specific rights regarding your personal information. Here's what you can do:

1. Access your information: You can request a copy of the personal information we hold about you. We'll provide this within 30 days unless there's a valid reason we can't.
2. Correct inaccurate data: If information we have about you is wrong or outdated, you can ask us to fix it. We'll make corrections promptly once verified.
3. Request deletion: You can ask us to delete your personal information in certain circumstances. We'll honour this unless we need to keep it for legal reasons.
4. Opt out of marketing: You can unsubscribe from promotional emails anytime using the link at the bottom of our messages or by contacting us directly.
5. Restrict processing: In some situations, you can ask us to temporarily stop using your information while we verify accuracy or resolve concerns.
6. Lodge a complaint: If you're unhappy with how we handle your information, you can complain to the Office of the Australian Information Commissioner (OAIC).

To exercise any of these rights, contact us using the details at the bottom of this page. We'll verify your identity before processing requests to protect your information from unauthorized access.

7. International Data Transfers

Our business operates primarily in Australia, but some of our service providers are located overseas. When we transfer your information internationally, we ensure appropriate safeguards are in place:

• We only use providers in countries with adequate privacy protections
• We require contractual commitments from overseas providers to protect your data
• We ensure transfers comply with APP 8 requirements

Countries where your data might be processed include the United States (for cloud hosting and email services) and the United Kingdom (for some analytics tools). By using our services, you acknowledge and consent to these transfers.

8. Children's Privacy

Our money mindset programs are designed for adults. We don't knowingly collect information from anyone under 18 years old. If you're a parent and believe your child has provided us with personal information, please contact us so we can delete it.

9. Third-Party Websites

Our website might contain links to other sites we don't control. This privacy policy only applies to fenoriventa. When you click on external links, you're subject to those sites' privacy policies, which might differ from ours. We recommend reading their policies before sharing personal information.

10. Changes to This Policy

We review and update this privacy policy periodically to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you by email or through a prominent notice on our website. The "last updated" date at the top shows when the most recent changes were made.

Continuing to use our services after policy updates means you accept the revised terms. If you disagree with changes, you can close your account or stop using our services.

11. Australian Privacy Principles Compliance

fenoriventa is committed to complying with the Australian Privacy Principles outlined in the Privacy Act 1988. We've designed our information handling practices to meet these requirements, including:

• Being open and transparent about how we manage personal information
• Giving you the option to interact with us anonymously where practical
• Only collecting information that's reasonably necessary for our functions
• Using and disclosing information only for the purposes we collected it
• Taking reasonable steps to protect information from misuse and loss
• Providing you with access to your information upon request
• Correcting information that's inaccurate, out of date, or incomplete