Privacy Policy

1. Information We Collect

milorzavorium collects various types of information to provide and improve our financial research education services. We gather personal information that you voluntarily provide when registering for our programs, subscribing to newsletters, or contacting our team.

• Contact details including name, email, phone number, and mailing address
• Educational and professional background information
• Payment information processed through secure third-party providers
• Communication preferences and subscription settings
• Technical information including IP address, browser type, and device information
• Website usage data and learning progress within our platform

2. How We Use Your Information

Your information helps us deliver personalized educational experiences and maintain communication about our financial research programs. We use collected data to enhance our teaching methods and provide relevant course recommendations.

We never sell your personal information to third parties. Our use of your data is limited to providing educational services, improving our programs, and maintaining necessary business communications.

3. Data Storage and Security

milorzavorium implements comprehensive security measures to protect your personal information. We store data using industry-standard encryption and access controls, with regular security audits conducted throughout 2025.

• SSL encryption for all data transmission
• Regular security assessments and vulnerability testing
• Limited access protocols with role-based permissions
• Secure backup systems with geographic redundancy
• Staff training on privacy and security best practices
• Incident response procedures for potential breaches

Personal information is retained only for as long as necessary to fulfill the purposes outlined in this policy. Course-related data is typically maintained for seven years to comply with educational record requirements, while marketing communications data is kept until you unsubscribe or request deletion.

4. Your Privacy Rights

Under Australian privacy legislation, you have specific rights regarding your personal information. We respect these rights and provide straightforward processes for exercising them.

• Access your personal information and request copies of data we hold
• Correct inaccurate or incomplete information in our records
• Request deletion of your personal data, subject to legal obligations
• Withdraw consent for marketing communications at any time
• Lodge complaints about our privacy practices with relevant authorities
• Receive information about data breaches that may affect you

When requesting data deletion, please note that we may need to retain certain information for legal compliance, such as financial records and educational certificates. We will explain any limitations when responding to your request.

5. Third-Party Services and Sharing

milorzavorium works with carefully selected third-party providers to deliver our educational services effectively. These partnerships are governed by strict data protection agreements.

• Payment processors for secure transaction handling
• Educational technology platforms for course delivery
• Communication services for newsletters and notifications
• Analytics providers to understand website usage patterns
• Cloud storage services for secure data backup
• Professional advisors bound by confidentiality obligations

We never share your personal information for marketing purposes without explicit consent. Any data sharing with service providers is limited to what's necessary for service delivery and is protected by contractual safeguards.

In rare circumstances, we may disclose information if required by law, court order, or to protect our legitimate business interests. We will notify affected individuals whenever legally permissible.

6. International Data Transfers

While milorzavorium primarily operates within Australia, some of our technology partners may process data internationally. All such transfers are protected by appropriate safeguards and comply with Australian privacy requirements.

You have the right to request information about international transfers affecting your data, including details about the safeguards in place to protect your privacy.

7. Cookies and Website Analytics

Our website uses cookies and similar technologies to enhance your browsing experience and understand how visitors interact with our content. These tools help us improve our educational resources and website functionality.

• Essential cookies required for website functionality and security
• Performance cookies to analyze website usage and identify improvements
• Preference cookies to remember your settings and choices
• Communication cookies for chat features and support services

You can control cookie preferences through your browser settings, though disabling certain cookies may affect website functionality. Our cookie notice provides detailed information about each type of cookie we use.

8. Children's Privacy

milorzavorium's financial research programs are designed for adults and professionals. We do not knowingly collect personal information from individuals under 18 years of age without appropriate parental consent.

If we become aware that we have collected information from someone under 18 without proper consent, we will take steps to delete that information promptly and restrict access to our services until appropriate permissions are obtained.

9. Policy Updates and Changes

This privacy policy may be updated periodically to reflect changes in our practices, services, or legal requirements. We will notify registered users of significant changes via email and post updates on our website.

We recommend reviewing this policy periodically to stay informed about how we protect your information. The current version is always available on our website with the effective date clearly displayed.