Who We Are

fegorlumiraera operates as an educational platform based in Australia, focusing on capital budgeting concepts and financial decision-making education. Our registered office is located at 1/12 Cassowary Bend, Eaton WA 6230, Australia. When we refer to "we," "us," or "our" in this policy, we're talking about fegorlumiraera and our educational services platform.

This privacy policy applies to all information collected through our website (fegorlumiraera.com), email communications, and any other interactions you might have with our services.

Information We Collect

Information You Provide Directly

When you engage with our platform, you might share information with us in several ways. This could be through contact forms, program inquiries, or email correspondence. The specific data you provide typically includes:

• Your name and contact details (email address, phone number)
• Educational background and professional experience
• Specific areas of interest within capital budgeting
• Questions or feedback you submit through our contact channels
• Any other information you choose to share in communications with us

Automatically Collected Information

Like most websites, we automatically gather certain technical information when you visit our platform. This helps us understand how people use our site and where we can improve the experience. We collect:

• Device information (browser type, operating system, device identifiers)
• Usage patterns (pages visited, time spent, navigation paths)
• IP addresses and general location data (country/city level)
• Referral sources (how you found our website)

How We Use Your Information

Your information serves specific purposes that directly relate to providing and improving our educational services. We don't use your data for anything outside these core functions.

When you reach out asking about capital budgeting courses or specific topics, we use your contact details to respond and follow up appropriately. If you've indicated interest in future programs, we might send updates about upcoming courses scheduled for late 2025 or 2026.

The technical data we collect helps us spot issues—like if a particular page isn't loading properly or if mobile users are struggling with navigation. This isn't about tracking individuals; it's about understanding patterns that help us fix problems.

Legal Basis for Processing (Australian Privacy Principles)

Under Australian privacy law, we need a valid reason to collect and use your personal information. Our legal basis varies depending on the type of data and how we're using it:

• Consent: When you submit a contact form or sign up for updates, you're giving us explicit consent to use your information for those purposes
• Legitimate Interest: We have a legitimate business interest in analyzing website performance and improving our educational content
• Contract Performance: If you enroll in a program, we need your information to deliver the educational services you've requested
• Legal Obligation: Sometimes we're required by Australian law to retain certain records or information

Information Sharing and Disclosure

We don't sell your personal information. Period. That said, we do work with specific third-party service providers who help us operate our platform and deliver our services.

Service Providers We Work With

These are companies that provide essential services for our platform. They only access the minimum data needed to perform their specific functions:

• Web hosting providers (to keep our site online and accessible)
• Email service platforms (to send course information and respond to inquiries)
• Analytics services (to understand how people use our website)
• Payment processors (if you enroll in paid programs)

All these providers are bound by confidentiality agreements and are prohibited from using your data for their own purposes. We vet them carefully and only work with companies that demonstrate strong privacy practices.

When We Must Disclose Information

There are limited circumstances where we might be legally required to share your information:

• To comply with Australian legal requirements or valid legal processes
• To protect the rights, property, or safety of fegorlumiraera, our users, or the public
• In connection with any business restructuring (though we'd notify you beforehand)

Your Rights Under Australian Privacy Law

Australian privacy principles give you specific rights regarding your personal information. We respect these rights and have processes in place to help you exercise them.

To exercise any of these rights, email us at contact@fegorlumiraera.com with "Privacy Request" in the subject line. We'll need to verify your identity before processing the request—usually by confirming details from previous interactions.

Opting Out of Communications

If you've signed up for program updates or educational content, you can unsubscribe at any time. Every email we send includes an unsubscribe link at the bottom. Click it, and you'll be removed from that mailing list within 48 hours. You'll still receive essential communications about any programs you're enrolled in, but we'll stop sending general updates.

Data Security Measures

Protecting your information isn't just about compliance—it's about trust. We've implemented several layers of security to safeguard the data you share with us.

Technical Protections

• SSL/TLS encryption for all data transmitted to and from our website
• Encrypted storage for sensitive personal information
• Regular security audits and vulnerability assessments
• Restricted access controls—only authorized personnel can access personal data
• Regular backups with encrypted storage

Organizational Safeguards

Beyond technology, we've established internal policies that govern how our team handles personal information. Staff members receive privacy training and are bound by confidentiality obligations. We maintain detailed logs of who accesses personal data and when, allowing us to monitor for any unusual activity.

That said, no system is completely immune to security risks. While we take extensive precautions, we can't guarantee absolute security. If we become aware of any data breach that affects your information, we'll notify you within 72 hours and outline what steps we're taking to address the situation.

Data Retention and Deletion

We don't keep your information indefinitely. Our retention periods are based on the purpose for which we collected the data and any legal requirements that apply.

Contact information from inquiries is typically retained for three years from the last interaction. After that, it's automatically purged from our systems unless you've enrolled in programs or maintained ongoing communication.

Website analytics and usage data is aggregated and anonymized after 24 months. We keep the anonymized data for trend analysis, but it can no longer be connected to individual users.

For program participants, we retain educational records and enrollment information for seven years to comply with Australian record-keeping requirements. After this period, records are securely deleted unless you've given specific consent for longer retention.

Secure Deletion Procedures

When we delete data, we don't just move it to a trash folder. We use secure deletion methods that make the information unrecoverable. This includes overwriting storage locations and removing data from all backup systems.

International Data Transfers

While we're based in Australia and primarily serve Australian users, some of our service providers operate internationally. For example, our web hosting infrastructure might use servers located in other countries with strong data protection laws.

When your information is transferred outside Australia, we ensure adequate protections are in place. This includes using providers in countries with comparable privacy frameworks or implementing contractual safeguards that require the same level of protection you'd receive under Australian law.

You have the right to request information about any international transfers of your data, including which countries might be involved and what safeguards apply.

Children's Privacy

Our services are designed for adults interested in professional financial education. We don't knowingly collect personal information from anyone under 18 years of age. If you're a parent or guardian and believe your child has provided us with personal information, please contact us immediately. We'll delete the information from our systems promptly.

Changes to This Privacy Policy

We review this privacy policy regularly and update it when necessary to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you by email (if we have your contact information) or by posting a prominent notice on our website.

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're protecting your information.

If you continue using our services after we've posted changes, that indicates your acceptance of the updated policy. If you disagree with any changes, you can request deletion of your information and discontinue using our services.

Complaints and Disputes

If you have concerns about how we've handled your personal information, we want to hear about it. Start by contacting us directly—many issues can be resolved through straightforward communication.

We'll acknowledge your complaint within 5 business days and provide a detailed response within 30 days. If you're not satisfied with our response, you have the right to lodge a complaint with the Office of the Australian Information Commissioner (OAIC), which oversees privacy compliance in Australia.