lunarexitho (ABN: 12 345 678 901) is committed to protecting your privacy and handling your personal information responsibly. We operate under Australian Privacy Principles (APPs) as outlined in the Privacy Act 1988 (Cth), and we're transparent about how we collect, use, store, and share your personal information.

This policy applies to all personal information we collect through our website, educational services, and business interactions. When you engage with our financial education platform, you trust us with your information – and we take that responsibility seriously.

Personal Information Categories

How We Collect Information

• Direct Collection: When you register for courses, contact us, or fill out forms on our website
• Website Analytics: Through cookies and similar technologies that track your interaction with our platform
• Third-Party Sources: From educational partners, payment processors, and marketing platforms with your consent
• Public Sources: Professional networking sites and publicly available business directories when relevant to our services

We use your personal information for specific purposes that are directly related to our educational services. Here's exactly what we do with your data:

• Service Delivery: Providing access to courses, sending educational materials, and tracking your learning progress
• Communication: Responding to inquiries, sending course updates, and providing customer support
• Improvement: Analyzing usage patterns to enhance our educational content and platform functionality
• Legal Compliance: Meeting regulatory requirements and maintaining accurate records as required by law
• Marketing: Sending relevant course recommendations and updates (only with your explicit consent)

We may share your personal information in these specific circumstances:

Service Providers

We work with trusted third-party providers who help us deliver our services. These include payment processors, email service providers, and learning management system vendors. All service providers are contractually bound to protect your information and can only use it for the specific services they provide to us.

Legal Requirements

We may disclose your information when required by Australian law, court order, or regulatory authority. This includes compliance with taxation requirements, anti-money laundering regulations, and other legal obligations that apply to educational service providers.

Business Transfers

If lunarexitho undergoes a merger, acquisition, or asset sale, your personal information may be transferred as part of that transaction. You would be notified of any such change via email and through a prominent notice on our website.

We implement comprehensive security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction.

Security Measures

• SSL encryption for all data transmission
• Regular security audits and vulnerability assessments
• Access controls limiting who can view your information
• Regular backup procedures and disaster recovery plans
• Staff training on privacy and security best practices

Data Location

Your personal information is primarily stored on secure servers located in Australia. Some service providers may store data overseas (particularly in the United States and European Union), but only with providers that meet Australian privacy standards or have adequate privacy protections in place.

Retention Periods

We retain your personal information only as long as necessary for the purposes outlined in this policy or as required by law. Educational records are typically retained for seven years after course completion, while marketing communications data is deleted within two years of your last interaction with us unless you request earlier deletion.

Under Australian privacy law, you have several rights regarding your personal information:

• Access: Request copies of the personal information we hold about you
• Correction: Ask us to correct inaccurate or incomplete information
• Deletion: Request deletion of your personal information (subject to legal retention requirements)
• Portability: Request your data in a portable format to transfer to another service
• Restriction: Ask us to limit how we use your information
• Objection: Object to certain types of data processing, particularly for marketing purposes

Our website uses cookies and similar technologies to enhance your browsing experience and understand how visitors use our platform.

Types of Cookies We Use

• Essential Cookies: Required for basic website functionality and security
• Analytics Cookies: Help us understand website performance and user behavior
• Marketing Cookies: Used to deliver relevant advertisements and track campaign effectiveness
• Preference Cookies: Remember your settings and preferences for future visits

You can control cookie settings through your browser preferences. However, disabling certain cookies may affect website functionality. We use Google Analytics to understand website usage patterns, and you can opt out using Google's opt-out tools if preferred.

We review and update this privacy policy regularly to ensure it remains accurate and compliant with current laws. When we make significant changes, we'll notify you by email and post a notice on our website.

Minor updates (such as clarifications or contact information changes) will be posted directly to this page with an updated "Last Modified" date. We encourage you to review this policy periodically to stay informed about how we protect your information.

If you have questions about this privacy policy or concerns about how we handle your personal information, please contact us first. We're committed to resolving privacy concerns promptly and fairly.

If you're not satisfied with our response, you have the right to lodge a complaint with the Office of the Australian Information Commissioner (OAIC). You can contact them at 1300 363 992 or visit oaic.gov.au.