Privacy Policy
Last Updated: 15 March 2025
At quatelinevo, we think about privacy the way we think about finances — it's personal, it matters, and you deserve complete transparency. This policy explains how we collect, use, and protect your information when you engage with our financial education services.
We're based in Sydney and operate under Australian privacy laws, specifically the Privacy Act 1988 and the Australian Privacy Principles (APPs). But honestly? We'd protect your data carefully regardless of what the law says, because that's just how we do things.
If something here doesn't make sense, or if you have questions we haven't answered, reach out. We're real people who actually read and respond to privacy questions.
Information We Collect
Let's be straight about what we collect and why. We don't gather data just because we can — each piece serves a specific purpose in delivering quality financial education.
Personal Information You Give Us
- Contact details: Name, email, phone number, and mailing address when you sign up for programs or get in touch with us
- Account information: Username, password (encrypted, obviously), and security preferences for your learning portal access
- Educational background: Your current knowledge level, learning goals, and areas of financial interest to personalize your experience
- Payment details: Billing information processed through our secure payment partners (we never store full card numbers)
- Communication records: Any emails, messages, or feedback you send us, including support conversations
Information We Collect Automatically
When you use our website, certain technical information gets collected automatically. This helps us fix problems, understand what's working, and improve your experience.
- Usage data: Which pages you visit, how long you stay, what resources you download, and your progress through courses
- Device information: Browser type, operating system, IP address, and general location (usually just city-level)
- Cookies and tracking: Small files that remember your preferences and keep you logged in (you can control these in your browser)
How We Use Your Information
Here's where your data actually goes and what we do with it. No vague corporate speak — just practical explanations.
Delivering educational services: We use your information to provide access to learning materials, track your progress, send relevant resources, and answer your questions about financial concepts.
Personalizing your experience: Based on your learning goals and progress, we recommend specific courses, modules, and resources that match your current knowledge level.
Processing payments: When you enroll in paid programs, we use your billing information to process transactions, send receipts, and manage your enrollment status.
Communicating with you: We send course updates, answer support questions, share relevant financial education content, and occasionally notify you about new programs that match your interests.
Improving our services: Usage data helps us understand which teaching methods work best, where students get stuck, and what topics deserve more attention.
Security and compliance: We monitor for suspicious activity, prevent fraud, and maintain records as required by Australian financial education regulations.
How We Share Information
We're not in the business of selling your data. But we do share information in specific situations — always for legitimate reasons and with appropriate protections.
Service providers: We work with trusted companies that help run our business — payment processors, email platforms, hosting providers, and analytics tools. They only access data necessary for their specific function and are contractually bound to protect it.
- Payment processors: Secure third-party services that handle financial transactions without us storing sensitive card details
- Communication platforms: Email and messaging services that deliver course materials and support responses
- Analytics providers: Tools that help us understand website usage and improve the learning experience
- Cloud infrastructure: Secure servers that store your learning data and course materials
We may also share information when legally required (court orders, regulatory requests), to protect rights and safety (preventing fraud or abuse), or during business transitions (if quatelinevo is acquired, though we'd ensure your data remains protected).
Your Rights and Choices
Under Australian privacy law, you have specific rights about your personal information. We've built systems to make exercising these rights straightforward.
| Your Right | What This Means | How to Exercise It |
|---|---|---|
| Access | Request a copy of the personal information we hold about you | Email help@quatelinevo.com with subject "Data Access Request" |
| Correction | Update inaccurate or incomplete information in your profile | Log into your account or contact support to make changes |
| Deletion | Request removal of your personal data (with some exceptions) | Contact us with "Data Deletion Request" — we'll confirm within 5 business days |
| Restriction | Limit how we use certain information while keeping your account active | Specify which uses you want restricted in a written request |
| Portability | Receive your data in a structured, machine-readable format | Request a data export through your account settings or support |
| Opt-out | Stop receiving marketing communications (course updates still come through) | Click unsubscribe in any email or adjust preferences in your account |
We'll respond to privacy requests within 30 days. If your request is complex or we receive multiple requests, we might need extra time — but we'll let you know within that initial 30-day window.
Data Security Measures
Financial education involves discussing personal money situations, so security isn't optional. Here's how we protect your information.
- Encryption: All data transfers use industry-standard SSL/TLS encryption. Stored passwords are hashed and salted using bcrypt.
- Access controls: Staff access to personal data is limited by role and monitored. Multi-factor authentication required for administrative access.
- Regular audits: We conduct quarterly security reviews and annual third-party penetration testing.
- Secure infrastructure: Data centers in Australia with physical security, redundant systems, and regular backups stored in geographically separate locations.
- Incident response: We maintain a documented breach notification procedure and will notify you within 72 hours if your data is compromised.
No security system is perfect. While we take extensive precautions, you also play a role — use strong passwords, don't share login credentials, log out on shared devices, and be cautious about phishing attempts claiming to be from quatelinevo.
Data Retention
We don't keep information longer than necessary. Here's how long different types of data stick around.
- Active account data: Kept while your account remains active and for 12 months after your last course enrollment
- Financial records: Transaction history retained for 7 years as required by Australian tax and financial regulations
- Course completion records: Maintained indefinitely so you can access certificates and transcripts years later
- Support communications: Stored for 3 years to maintain quality service and resolve potential disputes
- Marketing data: Removed within 90 days after you unsubscribe from communications
- Anonymized analytics: Aggregated usage data without personal identifiers may be kept indefinitely for research and service improvement
When retention periods expire, we securely delete or anonymize your information using industry-standard data destruction methods.
Cookies and Tracking Technologies
Like most websites, we use cookies. Some are essential for basic functionality, others help us improve the experience. You control which ones you accept.
Essential Cookies
These keep the site working and can't be disabled without breaking core functions — things like remembering you're logged in or maintaining your course progress during a session.
Analytics Cookies
These help us understand how people use our learning platform — which lessons are most helpful, where students tend to struggle, how long topics take to complete. We use this to improve course structure and content.
Preference Cookies
These remember your choices like language settings, interface preferences, or whether you prefer video or text-based lessons.
You can control cookie preferences through your browser settings. Blocking certain cookies might affect functionality — for example, you might need to log in more frequently or lose personalized recommendations. Our cookie banner lets you choose which categories to accept.
Children's Privacy
Our financial education programs are designed for adults. We don't knowingly collect information from anyone under 18 without parental consent.
If you're under 18 and interested in financial education, please have a parent or guardian contact us. We offer family-oriented programs where parents can manage accounts for younger learners. If we discover we've inadvertently collected data from a minor without proper consent, we'll delete it promptly.
International Data Transfers
We primarily operate in Australia and store data on Australian servers. However, some service providers (email platforms, analytics tools) may process data outside Australia.
When information crosses borders, we ensure appropriate safeguards are in place — standard contractual clauses, adequacy decisions, or other mechanisms approved under Australian privacy law. Your data receives the same protection regardless of physical location.
Changes to This Policy
Privacy practices evolve as technology changes and regulations develop. When we update this policy, we'll post the revised version with a new "Last Updated" date at the top.
For minor changes (fixing typos, clarifying language), we'll just update the document. For material changes affecting how we use your information, we'll notify you via email at least 30 days before the changes take effect. Continuing to use our services after notification means you accept the updated terms.
We maintain an archive of previous policy versions — contact us if you'd like to review an earlier version for comparison.
Complaints and Disputes
If you have concerns about how we've handled your personal information, please contact us first. Most issues get resolved through direct conversation.
Email help@quatelinevo.com with subject "Privacy Complaint" describing your concern
We'll acknowledge your complaint within 5 business days and investigate thoroughly
You'll receive a detailed response within 30 days explaining our findings and any corrective actions
If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC)
The OAIC is the independent authority overseeing privacy compliance in Australia. You can reach them at oaic.gov.au or 1300 363 992. There's no cost to lodge a complaint, and you don't need a lawyer.
Questions About Privacy?
This document covers a lot of ground, but you might still have specific questions about your situation. That's completely normal — privacy can get complicated.
We'd rather you ask than worry. Our privacy team actually enjoys these conversations (yes, really).