Privacy Policy

Information We Collect

We collect information you provide directly to us when you create an account, participate in our financial statement analysis programs, or contact us for support. This includes your name, email address, phone number, and educational background.

• Personal details like name, address, and contact information
• Educational and professional background for program enrollment
• Payment information processed securely through third-party providers
• Communication preferences and course progress data
• Technical information like IP address and browser type for security

We also automatically collect certain information when you visit our website, including your device type, operating system, and how you interact with our content. This helps us improve your experience and ensure our platform works effectively.

How We Use Your Information

Your information helps us deliver personalized financial education experiences and maintain communication about your learning journey. We use this data to process enrollments, track progress, and provide relevant course recommendations.

Specifically, we use your information to send important updates about your courses, process payments securely, respond to your questions, and comply with legal obligations. We may also use aggregated, non-personal data to improve our curriculum and understand learning patterns.

Information Sharing and Disclosure

We share your information only in specific circumstances and always with appropriate safeguards. Our instructors and support staff access your data to provide educational services, while our payment processors handle financial transactions securely.

• With educational partners for accredited program delivery
• To comply with legal requirements or protect our rights
• With service providers who assist in platform operation
• In the event of business transfer, with appropriate notice

Under Australian Privacy Principles, we ensure any third parties who access your information maintain equivalent protection standards. We require contractual agreements that limit how they can use your data.

Your Rights and Choices

You have significant control over your personal information. You can access, update, or delete your account data at any time through your student portal. You can also opt out of non-essential communications while staying informed about important course updates.

If you're not satisfied with how we've handled your privacy concerns, you can contact the Office of the Australian Information Commissioner. We're always happy to work directly with you to resolve any issues first.

Data Security and Retention

We protect your information using industry-standard encryption and security measures. Our systems are regularly updated and monitored for potential vulnerabilities, and we limit access to your data based on job responsibilities.

We retain your information for as long as your account is active or as needed to provide services. After account closure, we keep certain records for legal compliance - typically seven years for financial records as required under Australian tax law.

• Course completion records retained for transcript purposes
• Payment records kept for tax and audit requirements
• Communications deleted after reasonable period unless legally required
• Marketing preferences honored indefinitely unless changed

International Data Transfers

Some of our service providers operate outside Australia, particularly cloud storage and communication platforms. When we transfer your information internationally, we ensure appropriate safeguards are in place.

We only work with providers in countries with adequate privacy protections or who have committed to Privacy Shield frameworks. Your information receives the same level of protection regardless of where it's processed.

Children's Privacy

Our programs are designed for adult learners and professionals. We don't knowingly collect information from individuals under 18 years of age. If we discover we've inadvertently collected such information, we'll delete it promptly.

Parents or guardians who believe we may have collected information about a minor should contact us immediately at info@neralithavos.com.

Changes to This Policy

We review and update this privacy policy regularly to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you via email and post the updated policy on our website.

This policy was last updated in January 2025. Previous versions are available upon request for your reference.