Privacy Policy

At malonnexiberio, we understand that your financial privacy isn't just about compliance — it's about trust. When you're learning about digital banking security with us, you're sharing more than just contact details. You're trusting us with your career aspirations, your current skill gaps, and sometimes your frustrations with existing financial systems.

This privacy policy explains how we collect, use, and protect your personal information in accordance with Australian Privacy Principles under the Privacy Act 1988 (Cth) and other applicable Australian legislation. We've written this in plain English because legal jargon shouldn't hide what matters most to you.

Information We Collect

Personal Information You Provide

When you engage with our digital banking security education programs, we collect information that helps us deliver relevant, personalised learning experiences:

• Contact details including name, email address, phone number, and mailing address
• Educational background and current employment status to tailor course recommendations
• Learning preferences, goals, and areas of interest in financial technology
• Payment information when enrolling in paid programs (processed securely through encrypted systems)
• Course progress, assessment results, and completion certificates
• Communication preferences and feedback about our educational content

Information Collected Automatically

Our learning platform collects certain technical information to improve your educational experience and ensure platform security:

Data Type	Purpose	Retention Period
Device and browser information	Platform compatibility and technical support	2 years
IP address and location data	Security monitoring and regional content delivery	12 months
Learning session data	Progress tracking and course completion verification	7 years (educational records)
Website usage patterns	Content improvement and user experience optimisation	18 months

How We Use Your Information

We use your personal information for specific, legitimate purposes related to delivering quality financial security education. Here's exactly what we do with your data:

Educational Services

1. Delivering course content, assignments, and assessments tailored to your learning level
2. Tracking your progress through certification programs and issuing verified credentials
3. Providing technical support and troubleshooting assistance when you need it
4. Communicating important updates about course schedules, material changes, or system maintenance
5. Facilitating connections with industry mentors and peer learning groups where appropriate

Service Improvement and Research

We analyse aggregated, de-identified data to enhance our educational offerings. This might include understanding which topics students find most challenging, identifying gaps in our curriculum, or measuring the effectiveness of different teaching methods. Individual student performance data is never shared in these analyses.

Data Sharing and Disclosure

Limited Third-Party Services

Some aspects of our educational platform require trusted third-party services to function effectively. We carefully vet these providers and ensure they meet Australian privacy standards:

• Learning Management System: Course delivery and progress tracking (servers located in Australia)
• Payment Processing: Secure transaction handling for course fees (PCI DSS compliant processors)
• Email Communications: Course updates and educational content delivery (Australian-based providers)
• Video Hosting: Educational content streaming and offline download capabilities
• Assessment Tools: Online testing and certification verification systems

Legal Requirements

We may disclose personal information when required by Australian law, including compliance with court orders, regulatory investigations, or law enforcement requests. In such cases, we'll notify affected individuals unless legally prohibited from doing so.

Your Privacy Rights

Under Australian privacy law, you have substantial control over your personal information. Here's how to exercise these rights:

Access and Portability

You can request a complete copy of all personal information we hold about you, including your learning records, assessment results, and communication history. We'll provide this data in a structured, commonly-used format within 30 days of your request.

Correction and Updates

Keep your profile information current through your student dashboard, or contact us directly to update details we can't make self-service. Accurate information helps us provide better educational support and ensures your certificates reflect correct details.

Deletion and Withdrawal

You can request deletion of your personal information, with some important exceptions. We're required to retain educational records for seven years under Australian education standards, but we can restrict processing and remove your data from active systems. Marketing communications can be stopped immediately through unsubscribe links or direct request.

Data Security Measures

Financial security education demands the highest standards of data protection. We've implemented comprehensive safeguards that reflect the security practices we teach:

Technical Safeguards

• End-to-end encryption for all data transmission and storage
• Multi-factor authentication for student accounts and administrative access
• Regular security audits and penetration testing by certified professionals
• Automated backup systems with secure, geographically distributed storage
• Real-time monitoring for suspicious activity and potential security breaches

Operational Security

Our staff undergo regular privacy and security training, with strict access controls ensuring only authorised personnel can view student information. We maintain detailed logs of all data access and regularly review these for any unusual patterns.

International Data Transfers

We primarily store and process data within Australia using local service providers. When international transfers are necessary (such as for specialised educational software), we ensure adequate protection through:

• Contracts requiring equivalent privacy protections to Australian standards
• Regular audits of international service providers' security practices
• Data minimisation — only transferring information essential for service delivery
• Encryption of all data in transit and at rest, regardless of geographic location

Cookies and Tracking Technologies

Essential Cookies

Our learning platform uses cookies to maintain your login session, remember your course progress, and deliver personalised content. These essential cookies cannot be disabled without affecting platform functionality.

Analytics and Performance

We use analytics tools to understand how students interact with course materials, identify popular content, and improve navigation. This data is aggregated and doesn't identify individual students. You can opt out of analytics tracking through your account preferences.

Data Retention Policies

We retain different types of information for varying periods based on legal requirements and educational best practices:

Information Type	Retention Period	Reason
Student educational records	7 years after course completion	Australian education standards compliance
Payment and billing information	7 years after final transaction	Australian taxation requirements
Marketing communication preferences	Until withdrawal of consent	Ongoing service delivery
Technical logs and security data	12-24 months	Security monitoring and system optimisation

Changes to This Privacy Policy

We review and update this privacy policy annually or when significant changes occur to our data practices. Material changes will be communicated directly to enrolled students at least 30 days before implementation. We'll also maintain a version history showing what changed and when.

Minor updates (such as contact information changes or clarifications that don't affect your rights) may be implemented immediately with notification through our website and student portal.

Complaints and Privacy Concerns

We take privacy concerns seriously and encourage you to contact us first if you have questions or concerns about how we handle your personal information. Most issues can be resolved quickly through direct communication with our privacy team.

Internal Complaint Process

1. Contact our Privacy Officer directly using the details below
2. We'll acknowledge your complaint within 48 hours and begin investigation
3. Most complaints are resolved within 5-10 business days
4. Complex matters may take up to 30 days, with regular updates provided
5. We'll provide a written response explaining our findings and any corrective actions

External Review Options

If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC). They provide free, independent review of privacy complaints and can be contacted at www.oaic.gov.au or 1300 363 992.