Privacy Policy

eluniverosa Financial Education Services

Last Updated: March 15, 2025

1 Information We Collect

We collect information you provide directly when enrolling in our financial ratio education programs, requesting course materials, or contacting our team. This includes your name, email address, phone number, and educational background relevant to financial learning.

When you visit our website, we automatically collect certain technical information through cookies and similar technologies. This helps us understand how students interact with our educational content and improve the learning experience.

Information Type Purpose Retention Period
Contact Details Course enrollment and educational communications Duration of enrollment plus 3 years
Learning Progress Tracking educational milestones and providing support Duration of program plus 2 years
Website Usage Improving educational content and user experience 12 months from collection

2 How We Use Your Information

Your information helps us deliver quality financial education and maintain communication throughout your learning journey. We use it to process enrollments, send course materials, provide technical support, and share relevant updates about financial ratio analysis techniques.

Educational Services

Delivering course content, tracking progress, and providing personalized learning support for financial ratio understanding.

Communication

Sending course updates, educational newsletters, and responding to inquiries about our financial education programs.
Important: Australian Privacy Act Compliance

We operate under Australian Privacy Principles and ensure all data handling meets national privacy standards. Your information is processed lawfully and transparently throughout your educational experience.

3 Information Sharing

We don't sell your personal information to third parties. Sometimes we work with trusted educational partners and technology providers who help deliver our financial ratio courses, but they're bound by strict confidentiality agreements.

We may share information when required by Australian law or to protect our educational community's safety and integrity. This includes responding to legal requests or investigating potential misuse of our learning platform.

  • Educational technology platforms that host course content and track learning progress
  • Communication services for sending course materials and program updates
  • Payment processors when you enroll in paid educational programs
  • Professional advisors including legal and accounting services
  • Law enforcement when required by Australian regulatory authorities

4 Your Privacy Rights

Under Australian privacy law, you have several important rights regarding your personal information. We respect these rights and make it straightforward to exercise them throughout your educational journey with us.

Access Your Information
Request a copy of personal information we hold about your educational enrollment and progress.
Correct Information
Update or correct any inaccurate details about your contact information or course preferences.
Delete Information
Request deletion of your data, subject to our educational record-keeping requirements.
Restrict Processing
Limit how we use your information while maintaining essential educational services.
Data Portability
Receive your educational records in a structured format for transfer to other providers.
Withdraw Consent
Opt out of non-essential communications while continuing your educational program.
Exercising Your Rights

To exercise these rights, contact our privacy team using the details below. We'll respond within 30 days and verify your identity before processing requests. Some limitations may apply based on Australian privacy law and our educational obligations.

5 Data Security Measures

We take protecting your educational information seriously. Our security measures include encrypted data transmission, secure servers, and regular security audits to safeguard your personal details and learning progress.

Data Encryption
All information transmitted between your device and our servers uses industry-standard SSL/TLS encryption protocols.
Access Controls
Limited staff access based on job requirements, with regular review of permissions and authentication protocols.
Regular Audits
Ongoing security assessments and updates to maintain protection against evolving threats and vulnerabilities.

While we implement strong security measures, no system is completely secure. We encourage you to use strong passwords and keep your account information confidential. Report any suspicious activity to our team immediately.

6 Data Retention

We keep your information only as long as necessary for educational purposes and legal requirements. Course enrollment data is retained during your program and for three additional years to provide ongoing support and maintain academic records.

Learning progress information helps us improve our financial ratio education programs and may be retained in anonymized form for educational research. You can request earlier deletion of non-essential information at any time.

Active Enrollment Period

Full access to your educational profile, progress tracking, and communication preferences throughout your financial ratio learning program.

Post-Completion

Academic records maintained for three years to support career references and continued educational opportunities in financial analysis.

7 International Data Transfers

Some of our educational technology providers operate globally, which means your information might be processed outside Australia. When this occurs, we ensure appropriate safeguards protect your data according to Australian privacy standards.

We carefully select international partners who demonstrate strong privacy protections and enter into agreements requiring them to maintain Australian-equivalent data security standards. You can request details about specific international transfers at any time.

Cross-Border Transfer Protections

All international data transfers include contractual protections, adequacy assessments, and regular compliance monitoring to ensure your educational information remains secure regardless of processing location.

8 Cookies and Tracking

Our website uses cookies to enhance your learning experience and understand how students interact with educational content. These small files help us remember your preferences and provide personalized course recommendations.

You can control cookie settings through your browser, though disabling certain cookies might affect website functionality. We use both essential cookies for site operation and analytics cookies to improve our educational offerings.

  • Essential cookies for website functionality and secure login to course materials
  • Performance cookies to understand which educational content is most helpful
  • Preference cookies to remember your learning settings and course progress
  • Analytics cookies to measure website performance and improve user experience

9 Policy Updates

We review and update this privacy policy regularly to reflect changes in our educational services, legal requirements, or privacy practices. Significant changes will be communicated directly to enrolled students via email.

Minor updates, such as clarifications or contact information changes, will be posted on our website with an updated revision date. We encourage you to review this policy periodically to stay informed about how we protect your information.

Notification of Changes

Material changes affecting your privacy rights will be communicated at least 30 days before implementation, giving you time to review and understand any modifications to our data practices.

Privacy Questions or Concerns?
Contact our privacy team at:
66 Longstaff St, Canberra ACT 2602, Australia
Phone: +61 412 021 250
Email: contact@eluniverosa.com

We respond to privacy inquiries within 5 business days and provide detailed explanations of our data practices to help you make informed decisions about your educational information.