Privacy Policy

Information We Collect

When you use our fundamental analysis education platform, we collect different types of information to provide you with our services and improve your learning experience.

Personal Information You Provide

We collect information you directly give us when you register, enrol in courses, or contact us:

• Full name and contact details (email address, phone number)
• Physical address for course materials delivery where applicable
• Educational background and professional experience when relevant to course placement
• Payment information processed securely through our payment providers
• Course progress, assignments, and assessment submissions
• Communication preferences and correspondence with our support team

Technical Information We Automatically Collect

Our platform automatically gathers certain technical data to maintain security and enhance functionality:

• IP address and general location information
• Browser type, operating system, and device information
• Pages visited, time spent on each page, and navigation patterns
• Referral sources and search terms used to find our platform
• Session duration and interaction with course materials

How We Use Your Information

Your data helps us deliver quality financial education and maintain a secure learning environment. Here's what we do with it:

Data Sharing and Disclosure

We don't sell your personal information. However, we work with trusted partners to deliver our services effectively.

All third-party providers are carefully selected and bound by confidentiality agreements. They can only use your data for the specific purposes we've authorized.

Legal Requirements

We may disclose your information when required by Australian law, in response to valid legal processes, or to protect the rights and safety of becoraiqora, our students, or others.

Your Privacy Rights Under Australian Law

Under the Australian Privacy Principles, you have several rights regarding your personal information:

How to Exercise Your Rights

To make any of these requests, contact us at help@becoraiqora.com or write to us at our office address. We'll need to verify your identity before processing requests to protect your information security.

Data Security Measures

Protecting your information is something we take seriously. We've implemented multiple layers of security:

• Encryption: All data transmitted between your device and our servers uses industry-standard SSL/TLS encryption. Sensitive information stored in our databases is encrypted at rest.
• Access Controls: Only authorized staff members who need access to perform their duties can view your personal information. All access is logged and monitored.
• Regular Security Audits: We conduct quarterly security assessments and penetration testing to identify and address potential vulnerabilities.
• Secure Infrastructure: Our platform is hosted on secure servers in Australia, with regular backups and disaster recovery procedures in place.
• Staff Training: All team members receive regular training on data protection and privacy best practices.

While we work hard to protect your data, no method of transmission over the internet is completely secure. We encourage you to use strong passwords and keep your login credentials confidential.

Data Retention and Deletion

We keep your personal information only as long as necessary for the purposes described in this policy or as required by law.

Retention Periods

• Active accounts: Information is retained while your account remains active and for two years after your last interaction with our platform.
• Course records: Academic records, including completed assignments and certificates, are kept for seven years to comply with educational standards and to verify credentials.
• Financial records: Payment and transaction records are maintained for seven years as required by Australian tax legislation.
• Marketing data: Contact information for marketing purposes is deleted within 90 days of you unsubscribing from communications.
• Technical logs: Server logs and technical data are typically retained for 12 months for security and troubleshooting purposes.

Deletion Process

When data reaches the end of its retention period, we securely delete or anonymize it. You can request earlier deletion by contacting us, subject to our legal obligations. Anonymized data that can't identify you may be retained indefinitely for research and platform improvement.

Cookies and Tracking Technologies

Our platform uses cookies and similar technologies to enhance your experience and understand how you interact with our content.

Types of Cookies We Use

• Essential cookies: Required for the platform to function properly, including authentication and security features. These can't be disabled without affecting site functionality.
• Performance cookies: Help us understand which pages are most visited and how students navigate through course materials. This data is aggregated and anonymized.
• Functionality cookies: Remember your preferences, such as language settings or display options, to provide a more personalized experience.
• Analytics cookies: Allow us to count visits and analyze traffic sources to measure and improve platform performance.

You can control cookie preferences through your browser settings. Keep in mind that disabling certain cookies may limit platform functionality. Most browsers accept cookies by default, but you can modify settings to decline cookies or receive notifications when they're being sent.

Third-Party Links and Services

Our platform may contain links to external websites, financial resources, or third-party educational tools. We're not responsible for the privacy practices of these external sites. When you leave our platform, we encourage you to read the privacy policies of any site that collects personal information.

Some course materials may include embedded content from third-party providers (like video hosting services or interactive charts). These embedded elements may collect data about your interaction with them according to their own privacy policies.

Children's Privacy

Our financial education courses are designed for individuals aged 18 and over. We don't knowingly collect personal information from anyone under 18. If we discover that someone under 18 has provided us with personal information, we'll delete it promptly.

If you're a parent or guardian and believe your child has provided us with personal information, please contact us immediately.

International Data Transfers

Your information is primarily stored and processed in Australia. However, some of our service providers operate internationally. When we transfer data outside Australia, we ensure appropriate safeguards are in place through:

• Standard contractual clauses approved by Australian authorities
• Verification that the receiving country has adequate privacy protections
• Binding corporate rules with international service providers
• Your explicit consent where required by law

Any international transfers comply with the Australian Privacy Principles and other applicable data protection laws.

Changes to This Privacy Policy

We review and update this privacy policy periodically to reflect changes in our practices, technology, legal requirements, or business operations. When we make significant changes, we'll notify you through:

• Email notification to your registered address
• Prominent notice on our platform homepage
• In-platform notification when you next log in

The "Last Updated" date at the top of this policy indicates when changes were last made. We encourage you to review this policy periodically. Your continued use of our platform after changes become effective means you accept the updated policy.

Complaints and Dispute Resolution

If you believe we've breached the Australian Privacy Principles or have concerns about how we handle your personal information, we want to hear from you.

Internal Complaint Process

Send your complaint to help@becoraiqora.com with "Privacy Complaint" in the subject line. Include:

• Your contact details
• Details of your privacy concern
• Any relevant dates, communications, or documentation
• What outcome you're seeking

We'll acknowledge your complaint within 5 business days and investigate thoroughly. You'll receive a written response within 30 days outlining our findings and any actions we'll take.

External Resolution

If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC):

Online: www.oaic.gov.au
Phone: 1300 363 992
Mail: GPO Box 5218, Sydney NSW 2001