plurexisome - Master Your Personal Finance Skills | Expert Financial Education Australia

Introduction

At plurexisome, we believe transparency about how we collect, use, and protect your personal information is essential to building trust. This Privacy Policy explains our practices regarding the collection, use, and disclosure of information that you provide when using our financial education platform and services.

We're committed to protecting your privacy and ensuring you have control over your personal information. This policy applies to all information collected through our website at plurexisome.com, our mobile applications, and any related services or communications.

By 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 any part of this policy, please do not use our services.

Information We Collect

Personal Information You Provide

We collect information you voluntarily provide when creating an account, enrolling in courses, or contacting us. This includes:

Full name, email address, and contact details
Educational background and professional experience
Financial goals and learning objectives
Payment information for course purchases
Communication preferences and feedback
Profile photos and biographical information you choose to share

Automatically Collected Information

Our systems automatically collect certain information when you interact with our platform:

Device information including browser type, operating system, and IP address
Usage patterns such as pages viewed, time spent on courses, and navigation paths
Learning progress, quiz results, and course completion data
Technical data including cookies, web beacons, and similar tracking technologies
Location data based on IP address for content personalization

Third-Party Information

We may receive information about you from third-party sources, including social media platforms if you choose to connect your accounts, professional networks, and publicly available databases. This information helps us verify your identity and enhance your learning experience.

How We Use Your Information

Your information enables us to provide personalized financial education and improve our services. Here's how we use the data we collect:

Purpose	Information Used
Course delivery and progress tracking	Account details, learning progress, quiz results
Personalized learning recommendations	Usage patterns, financial goals, completed courses
Customer support and communication	Contact information, support tickets, preferences
Platform improvement and analytics	Aggregated usage data, feedback, technical information
Marketing and promotional materials	Contact details, interests, consent preferences

We also use your information to ensure platform security, prevent fraud, comply with legal obligations, and conduct research to improve financial education methods. All processing is done in accordance with applicable privacy laws and your consent preferences.

Information Sharing and Disclosure

Service Providers

We work with trusted third-party service providers who help us operate our platform. These include payment processors, cloud hosting services, email delivery platforms, and analytics providers. All service providers are contractually bound to protect your information and use it only for specified purposes.

Legal Requirements

We may disclose your information when required by law, court order, or government regulation. This includes responding to lawful requests from law enforcement agencies, protecting our legal rights, or investigating potential violations of our terms of service.

Business Transfers

In the event of a merger, acquisition, or sale of assets, your personal information may be transferred to the new entity. We will notify you of any such transfer and any changes to this Privacy Policy.

We never sell your personal information to third parties for marketing purposes. Your data is used solely to enhance your learning experience and improve our educational services.

Your Privacy Rights

You have significant control over your personal information. Depending on your location, you may have the following rights:

Access: Request copies of your personal information and details about how we process it
Correction: Update or correct inaccurate or incomplete personal information
Deletion: Request deletion of your personal information, subject to legal and operational requirements
Portability: Receive your personal information in a structured, machine-readable format
Restriction: Limit how we process your personal information in certain circumstances
Objection: Object to processing based on legitimate interests or for direct marketing purposes
Withdrawal of Consent: Withdraw consent for processing where consent is the legal basis

To exercise these rights, contact us using the information provided at the end of this policy. We will respond to your request within 30 days and may require identity verification to protect your information.

Data Security and Protection

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

Technical Safeguards

SSL/TLS encryption for all data transmission
Encrypted data storage with regular security updates
Multi-factor authentication for staff access
Regular security audits and vulnerability assessments
Automated backup systems with secure storage

Administrative Safeguards

Limited access to personal information on a need-to-know basis
Regular privacy and security training for all staff
Incident response procedures for potential data breaches
Background checks for employees with data access

While we strive to protect your information, 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

We retain your personal information only as long as necessary to fulfill the purposes outlined in this Privacy Policy, comply with legal obligations, resolve disputes, and enforce our agreements.

Retention Periods

Account information: Retained for the duration of your account plus 3 years after closure
Course progress and completion data: Retained for 7 years for certification purposes
Payment information: Retained for 7 years as required by financial regulations
Marketing communications: Retained until you unsubscribe or withdraw consent
Support communications: Retained for 3 years for quality assurance

When information is no longer needed, we securely delete or anonymize it according to our data retention schedule. Some information may be retained in anonymized form for research and analytics purposes.

Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to enhance your browsing experience and provide personalized services. Cookies are small text files stored on your device that help us remember your preferences and understand how you use our platform.

Types of Cookies We Use

Essential Cookies: Necessary for website functionality and security
Performance Cookies: Help us understand how visitors interact with our website
Functional Cookies: Remember your preferences and personalize your experience
Marketing Cookies: Used to deliver relevant advertisements and track campaign effectiveness

You can control cookie preferences through your browser settings. However, disabling certain cookies may affect website functionality and your ability to access some features.

International Data Transfers

As an Australian-based company, we primarily store and process data within Australia. However, some of our service providers may process data in other countries. When we transfer personal information internationally, we ensure appropriate safeguards are in place to protect your data.

These safeguards include standard contractual clauses approved by relevant data protection authorities, adequacy decisions, and certification schemes that ensure your information receives equivalent protection regardless of location.

Changes to This Privacy Policy

We regularly review and update this Privacy Policy to reflect changes in our practices, technology, legal requirements, and business operations. When we make significant changes, we will notify you through email, website notifications, or other appropriate communication methods.

The "Last Updated" date at the top of this policy indicates when the most recent changes were made. We encourage you to review this policy periodically to stay informed about how we protect your information.

Continued use of our services after policy changes constitutes acceptance of the updated terms. If you disagree with changes, you may discontinue using our services or contact us to discuss your concerns.

Privacy Policy