Privacy Policy

Effective Date: March 15, 2025

At felcarimexos, we respect your privacy and are committed to protecting your personal information. This policy explains how we collect, use, and safeguard your data when you interact with our financial education platform and services.

Information We Collect

We collect information to provide you with quality financial education services and improve your learning experience. The types of information we gather include:

Personal Information

Name, email address, phone number, postal address, and date of birth when you register for our programs or contact us for support.

Educational Data

Course progress, quiz results, learning preferences, and interaction patterns within our educational platform to personalise your experience.

Technical Information

IP address, browser type, device information, and usage analytics to ensure platform security and optimal performance.

Communication Records

Records of your interactions with our support team, feedback submissions, and any correspondence you have with us.

How We Use Your Information

Your information helps us deliver personalised financial education and maintain a secure learning environment. We use your data for:

  • Providing access to educational courses and learning materials
  • Tracking your progress and customising learning pathways
  • Sending course updates, educational content, and platform notifications
  • Responding to your inquiries and providing customer support
  • Improving our educational content and platform functionality
  • Ensuring platform security and preventing fraudulent activities
  • Complying with legal obligations and regulatory requirements
  • Conducting research to enhance our educational offerings

Your Privacy Rights

Under Australian Privacy Principles and GDPR (where applicable), you have specific rights regarding your personal information:

Access Rights

Request copies of your personal data and understand how we process your information.

Correction Rights

Update or correct inaccurate personal information we hold about you.

Deletion Rights

Request deletion of your personal data, subject to legal and contractual obligations.

Portability Rights

Receive your data in a structured format or transfer it to another service provider.

Objection Rights

Object to certain types of data processing, including direct marketing communications.

Restriction Rights

Request limitations on how we process your personal information in specific circumstances.

Data Security and Protection

Encryption

All sensitive data is encrypted both in transit and at rest using industry-standard AES-256 encryption protocols.

Access Controls

Strict access controls ensure only authorised personnel can access your personal information on a need-to-know basis.

Regular Audits

We conduct regular security audits and vulnerability assessments to maintain the highest security standards.

Secure Infrastructure

Our platform operates on secure, monitored servers with advanced firewall protection and intrusion detection systems.

Data Retention Periods

1

Active Account Data

Personal information and learning progress are retained while your account remains active and for 12 months after your last login.

2

Communication Records

Support inquiries and correspondence are kept for 3 years to maintain service quality and resolve any ongoing issues.

3

Financial Records

Payment and transaction records are retained for 7 years in compliance with Australian taxation and business record requirements.

4

Anonymous Analytics

Aggregated, non-personal usage statistics may be retained indefinitely for research and platform improvement purposes.

Information Sharing and Third Parties

We do not sell your personal information to third parties. However, we may share your data in specific circumstances:

  • Service Providers: Trusted third-party providers who help us deliver our educational services, such as payment processors and email service providers
  • Legal Requirements: When required by law, court order, or regulatory authorities
  • Business Protection: To protect our rights, property, or safety, and that of our users
  • Business Transfers: In the event of a merger, acquisition, or sale of assets, with proper notice to affected users

All third-party providers are contractually bound to protect your information and use it only for specified purposes.

International Data Transfers

As an Australian-based company, we primarily store and process your data within Australia. However, some of our service providers may process data in other countries with adequate privacy protections.

When international transfers occur, we ensure appropriate safeguards are in place, including:

  • Standard contractual clauses approved by relevant privacy authorities
  • Adequacy decisions recognising equivalent privacy protection
  • Certification schemes ensuring proper data handling practices

Cookies and Tracking Technologies

Our platform uses cookies and similar technologies to enhance your learning experience and analyse platform usage. We use:

  • Essential Cookies: Required for basic platform functionality and security
  • Performance Cookies: Help us understand how users interact with our content
  • Preference Cookies: Remember your settings and personalise your experience
  • Marketing Cookies: Used with your consent to show relevant educational content

You can control cookie settings through your browser preferences, though disabling essential cookies may affect platform functionality.

Children's Privacy

Our financial education services are designed for individuals aged 18 and over. We do not knowingly collect personal information from children under 18 years of age.

If we discover that we have inadvertently collected information from someone under 18, we will promptly delete such information from our systems. Parents or guardians who believe their child has provided us with personal information should contact us immediately.

Changes to This Privacy Policy

We may update this privacy policy periodically to reflect changes in our practices, technology, or legal requirements. When we make significant changes, we will:

  • Notify you via email if you have an account with us
  • Post a notice on our website highlighting the changes
  • Update the effective date at the top of this policy
  • Provide a summary of key changes for your review

We encourage you to review this policy regularly to stay informed about how we protect your information.

Privacy Contact Information

If you have questions about this privacy policy, want to exercise your privacy rights, or need to report a privacy concern, please contact us:

Privacy Officer

Dedicated privacy team available Monday to Friday, 9:00 AM to 5:00 PM AEST

Email

support@felcarimexos.com
Response within 48 hours

Phone

+61 3 6334 8866
Privacy inquiries priority line

Postal Address

8 Rydal Ave
Castle Hill NSW 2154
Australia

For complaints that cannot be resolved directly with us, you may contact the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au or phone 1300 363 992.