Introduction and Our Commitment

soliqenravon ("we," "us," or "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website soliqenravon.com or use our budgeting skills platform and financial education services.

By accessing or using our services, you acknowledge that you have read, understood, and agree to be bound by this Privacy Policy. If you do not agree with our privacy practices, please do not use our services.

Information We Collect

We collect various types of information to provide and improve our financial education services. The information we collect falls into several categories:

We collect this information through direct interactions (when you register, contact us, or use our services), automated technologies (cookies, analytics tools), and third-party sources (payment processors, social media platforms if you choose to connect them).

How We Use Your Information

Your information helps us deliver personalized financial education experiences and maintain our service quality. We use your data for the following purposes:

• Service Delivery: Providing access to our budgeting courses, tracking your learning progress, generating completion certificates, and personalizing your educational journey based on your goals and skill level.
• Communication: Sending course updates, educational newsletters, webinar invitations, platform notifications, and responding to your inquiries. You can opt out of marketing communications at any time.
• Platform Improvement: Analyzing usage patterns to enhance our courses, developing new educational content, improving user interface design, and identifying technical issues that need resolution.
• Security and Fraud Prevention: Monitoring for suspicious activities, preventing unauthorized access, protecting against cyber threats, and maintaining the integrity of our learning platform.
• Legal Compliance: Meeting regulatory requirements, responding to legal requests, enforcing our terms of service, and protecting our rights and the rights of other users.
• Research and Development: Conducting anonymized research to better understand learning preferences, developing new educational methodologies, and creating more effective budgeting tools.

Your Privacy Rights Under Australian Law

Under Australian privacy legislation, you have several important rights regarding your personal information. We're committed to helping you exercise these rights effectively:

To exercise any of these rights, contact our Privacy Officer using the details provided below. We'll respond to your request within 30 days, though complex requests may take longer. Some rights may be subject to exceptions under Australian privacy law, which we'll explain if applicable to your situation.

Data Security and Protection Measures

We implement comprehensive security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. Our security framework includes:

• Encryption: All data transmissions use SSL/TLS encryption, and sensitive data is encrypted both in transit and at rest using industry-standard AES-256 encryption protocols.
• Access Controls: Strict employee access controls with multi-factor authentication, regular access reviews, and role-based permissions ensuring only authorized personnel can access your information.
• Infrastructure Security: Secure cloud hosting with regular security audits, intrusion detection systems, firewalls, and automated threat monitoring to protect against cyber attacks.
• Data Backup: Regular automated backups stored in geographically separate locations with encryption, ensuring data recovery capabilities while maintaining security standards.
• Staff Training: Comprehensive privacy and security training for all employees, contractors, and service providers who handle personal information, with regular updates on emerging threats.
• Incident Response: Established procedures for detecting, responding to, and reporting security incidents, including notification processes that comply with Australian privacy law requirements.

While we maintain robust security measures, no system is completely secure. We encourage you to use strong passwords, log out of your account when finished, and report any suspicious activity immediately.

Data Retention and Deletion

We retain your personal information only as long as necessary to fulfill the purposes outlined in this policy or as required by law. Our retention periods vary based on the type of information and our legitimate business needs:

• Account Information: Retained for the duration of your active account plus 7 years after account closure for financial record-keeping and potential dispute resolution.
• Learning Progress Data: Maintained for 10 years to support continuing education transcripts, certification verification, and potential re-enrollment in advanced programs.
• Communication Records: Customer support interactions retained for 5 years; marketing communication preferences maintained until you opt out or request deletion.
• Technical Data: Server logs and analytics data typically retained for 2 years, with anonymized aggregated data potentially retained longer for service improvement purposes.
• Financial Transaction Data: Payment records retained for 7 years in compliance with Australian taxation and financial record-keeping requirements.

After retention periods expire, we securely delete or anonymize your information using industry-standard data destruction methods. You can request early deletion of certain data types, subject to legal and operational constraints.

Some anonymized, aggregated data may be retained indefinitely for statistical analysis and service improvement, but this data cannot be used to identify individual users.

Third-Party Services and Data Sharing

We work with trusted third-party service providers to deliver our educational services effectively. We may share your information with:

• Educational Technology Partners: Learning management system providers, video hosting services, and interactive content platforms that help deliver our courses and track your progress.
• Payment Processors: Secure payment gateways and billing services to process course fees and subscription payments, operating under strict PCI DSS compliance standards.
• Communication Providers: Email service providers, SMS platforms, and customer support tools to facilitate communication and provide timely assistance.
• Analytics Services: Website analytics platforms and user experience tools to understand how our platform is used and identify areas for improvement.
• Cloud Infrastructure: Secure cloud hosting providers and content delivery networks that store and deliver our educational content reliably and securely.
• Professional Services: Legal advisors, auditors, and compliance consultants who require access to certain information to provide professional services to our business.

All third-party providers are carefully vetted and required to sign data processing agreements that ensure they handle your information in accordance with Australian privacy laws and our privacy standards. We never allow third parties to use your personal information for their own marketing purposes.

Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience on our platform, analyze usage patterns, and provide personalized content. Here's how we use these technologies:

• Essential Cookies: Required for basic platform functionality, including user authentication, session management, and security features. These cannot be disabled without affecting core services.
• Performance Cookies: Help us understand how visitors interact with our website by collecting anonymous information about page visits, traffic sources, and user behavior patterns.
• Functional Cookies: Remember your preferences, such as language settings, display options, and accessibility features to provide a more personalized experience.
• Marketing Cookies: Used to deliver relevant advertisements and measure the effectiveness of our marketing campaigns. You can opt out of these through your browser settings or our cookie preferences.

You can control cookie settings through your browser preferences, though disabling certain cookies may limit some platform functionality. We respect "Do Not Track" signals and provide clear options for managing your cookie preferences in your account settings.

We also use web beacons, pixel tags, and similar technologies in our emails to track delivery, opening rates, and engagement with our communications. You can disable image loading in your email client to prevent this tracking.

Children's Privacy Protection

Our services are designed for adults seeking financial education and budgeting skills development. We do not knowingly collect personal information from children under 13 years of age without verifiable parental consent.

For users between 13 and 18 years old, we require parental or guardian consent before processing any personal information. If we discover we have collected information from a child under 13 without proper consent, we will delete that information immediately.

Parents and guardians can review, modify, or request deletion of their child's information by contacting our Privacy Officer. We encourage parents to monitor their children's online activities and teach them about safe internet practices.

Updates to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices, legal requirements, or service offerings. When we make material changes, we will:

• Notify you via email to your registered address at least 30 days before changes take effect
• Display a prominent notice on our website highlighting the updates
• Update the "Last Updated" date at the top of this policy
• Provide a summary of key changes in your account dashboard

We encourage you to review this Privacy Policy regularly to stay informed about how we protect your information. Continued use of our services after policy updates constitutes acceptance of the revised terms.

Previous versions of our Privacy Policy are archived and available upon request for your reference and comparison.