Privacy Policy
Last updated: January 2025
Introduction
quarnetivol respects your privacy and is committed to protecting your personal information. This privacy policy explains how we collect, use, store, and protect your data when you use our banking education services and visit our website at quarnetivol.com.
We operate under Australian privacy laws, including the Privacy Act 1988 and the Australian Privacy Principles (APPs). This policy applies to all personal information we collect about you, whether you're browsing our website, participating in our learning programs, or contacting us for information.
By using our services, you acknowledge that you have read and understood this privacy policy and consent to the collection and use of your information as described herein.
Information We Collect
Personal Information
We collect personal information that you voluntarily provide to us when you:
- Register for our banking education programs
- Contact us through our website or phone
- Subscribe to our newsletters or educational materials
- Participate in surveys or feedback forms
- Apply for courses or workshops
This information may include your name, email address, phone number, postal address, educational background, employment details, and any other information you choose to provide.
Technical Information
When you visit our website, we automatically collect certain technical information including your IP address, browser type, device information, operating system, referring website, pages viewed, and time spent on our site. We use cookies and similar technologies to enhance your browsing experience and analyze website usage patterns.
Educational Progress Data
For participants in our learning programs, we collect information about your course progress, assessment results, completion rates, and engagement with educational materials. This helps us improve our programs and provide personalized learning experiences.
How We Use Your Information
We use your personal information for the following purposes:
| Purpose | Legal Basis | Data Used |
|---|---|---|
| Provide educational services | Contract performance | Contact details, educational progress |
| Course administration | Contract performance | Name, contact details, payments |
| Customer support | Legitimate interests | Contact details, inquiry details |
| Marketing communications | Consent | Name, email, preferences |
| Website improvement | Legitimate interests | Technical data, usage patterns |
We process your information to deliver quality banking education services, maintain accurate records, communicate with you about our programs, and continuously improve our offerings. We may also use aggregated, anonymized data for research and statistical purposes.
Data Sharing and Disclosure
We do not sell, rent, or lease your personal information to third parties. We may share your information only in specific circumstances: with trusted service providers who help us operate our business (under strict confidentiality agreements), when required by law or to protect our rights, or with your explicit consent for specific purposes.
Your Rights and Choices
Under Australian privacy law, you have several important rights regarding your personal information:
Access and Correction
You have the right to request access to the personal information we hold about you and to request correction of any inaccurate or outdated information. We will respond to your request within 30 days and provide the information free of charge, unless the request is complex or excessive.
Data Portability and Deletion
You may request a copy of your personal information in a structured, commonly used format. You can also request deletion of your personal information, subject to our legal obligations to retain certain records for regulatory compliance and legitimate business purposes.
Marketing Preferences
You can opt out of marketing communications at any time by clicking the unsubscribe link in our emails, updating your preferences in your account settings, or contacting us directly. We will process your request promptly while continuing to send essential service-related communications.
Complaints Process
If you believe we have not handled your personal information appropriately, you can lodge a complaint with us. We will investigate your complaint promptly and work to resolve any issues. If you're not satisfied with our response, you may contact the Office of the Australian Information Commissioner (OAIC).
Data Security and Protection
We implement comprehensive security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. Our security practices include:
- Encryption of data in transit and at rest using industry-standard protocols
- Secure servers protected by firewalls and intrusion detection systems
- Regular security audits and vulnerability assessments
- Restricted access to personal information on a need-to-know basis
- Employee training on privacy and data security best practices
- Secure disposal of personal information when no longer required
While we take reasonable steps to protect your information, no system is completely secure. We encourage you to protect your own privacy by using strong passwords and being cautious about sharing personal information online.
Data Retention
We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, comply with legal obligations, and resolve disputes. Our retention periods vary depending on the type of information:
| Information Type | Retention Period | Reason |
|---|---|---|
| Student records | 7 years after completion | Educational compliance requirements |
| Financial records | 7 years | Tax and accounting obligations |
| Marketing data | Until withdrawal of consent | Ongoing marketing purposes |
| Website analytics | 26 months | Performance analysis |
| Support inquiries | 3 years | Service improvement |
After the retention period expires, we securely delete or anonymize your personal information. In some cases, we may retain anonymized data for statistical and research purposes indefinitely.
Cookies and Tracking Technologies
Our website uses cookies and similar technologies to enhance your browsing experience, analyze site traffic, and provide personalized content. We use the following types of cookies:
Essential Cookies
These cookies are necessary for the website to function properly and cannot be disabled. They enable core functionality such as security, network management, and accessibility features.
Performance Cookies
These cookies collect anonymous information about how visitors use our website, helping us understand which pages are most popular and how people navigate through our site. This data helps us improve our website's performance and user experience.
Functionality Cookies
These cookies remember your preferences and choices to provide a more personalized experience, such as language settings, login information, and customized content based on your interests.
You can control cookie settings through your browser preferences. However, disabling certain cookies may affect the functionality of our website and your ability to access some features.
International Data Transfers
Your personal information is primarily stored and processed in Australia. In some cases, we may transfer your information to trusted service providers located overseas for specific purposes such as cloud storage, customer support, or technical maintenance.
When we transfer personal information outside Australia, we ensure appropriate safeguards are in place, including contractual protections, adequacy decisions, or other approved transfer mechanisms. We require all international service providers to maintain the same level of privacy protection as required under Australian law.
You have the right to request information about any overseas transfers of your personal information and the safeguards we have implemented to protect your data.
Children's Privacy
Our services are designed for adults aged 18 and over. We do not knowingly collect personal information from children under 18 years of age. If you are under 18, please do not provide any personal information through our website or services.
If we become aware that we have collected personal information from a child under 18, we will take steps to delete that information promptly. Parents or guardians who believe their child has provided personal information to us should contact us immediately.
Changes to This Policy
We may update this privacy policy from time to time to reflect changes in our practices, technology, legal requirements, or business operations. We will notify you of any material changes by:
- Posting the updated policy on our website with a new effective date
- Sending email notifications to registered users for significant changes
- Providing prominent notice on our website for 30 days following any major updates
We encourage you to review this privacy policy periodically to stay informed about how we protect your personal information. Your continued use of our services after any changes indicates your acceptance of the updated policy.
Contact Us About Privacy
If you have questions about this privacy policy, want to exercise your privacy rights, or need to report a privacy concern, please contact us:
Address: Easty St, Phillip ACT 2606, Australia
Phone: +61 2 6241 0252
Email: info@quarnetivol.com
We aim to respond to all privacy inquiries within 30 days. For urgent matters, please call us directly during business hours.