1. Information We Collect

We collect different types of information depending on how you interact with our services. Some of this happens automatically when you visit our site, while other information comes directly from you when you fill out forms or contact us.

Personal Information You Provide

• Your name, email address, and phone number when you reach out or sign up for our programs
• Business details like company name and position when relevant to our working capital services
• Financial information you share during consultations or assessments
• Payment details when enrolling in our educational programs
• Feedback and responses you provide through surveys or contact forms

Automatically Collected Data

Like most websites, we gather some technical information automatically. This includes your IP address, browser type, device information, and how you navigate through our site. We use cookies and similar technologies to track this, which helps us understand what content works and what doesn't.

2. How We Use Your Information

We're not in the business of collecting data for the sake of it. Everything we gather has a practical purpose tied to delivering our services or improving your experience. Here's what we actually do with your information:

• Respond to your inquiries and provide the working capital analysis services you've requested
• Process enrollments and manage your participation in our educational programs
• Send you information about upcoming programs, resources, or changes to our services
• Improve our website functionality and create better educational content based on user behavior
• Comply with legal obligations and protect against fraud or security issues
• Analyze aggregated data to understand trends in working capital education needs

3. Legal Basis for Processing (Australian Context)

Under Australian privacy law, we need legitimate reasons to collect and use your information. Most of the time, we process your data because you've asked us to provide a service. Sometimes it's because we have a legal obligation, or occasionally because we have a legitimate business interest that doesn't override your privacy rights.

4. Data Storage and Security

Your information is stored on secure servers located in Australia. We use industry-standard security measures including encryption, secure socket layer technology, and regular security audits. Our staff members receive training on data protection, and we limit access to personal information to those who genuinely need it.

That said, no system is completely foolproof. While we do everything reasonable to protect your data, we can't guarantee absolute security. If we detect any breach that might affect you, we'll notify you and the relevant authorities as required by law.

How Long We Keep Your Data

We don't keep information longer than necessary. Active student records are maintained for the duration of your program plus seven years, which aligns with Australian tax and financial record requirements. Marketing contact information stays in our system until you ask us to remove it. Website analytics are typically retained for 24 months before being anonymized or deleted.

5. Your Privacy Rights

Australian privacy law gives you several rights regarding your personal information. We respect these rights and have straightforward processes for exercising them.

Access and Correction

You can request a copy of the personal information we hold about you. If something's inaccurate or outdated, let us know and we'll fix it. We aim to respond to access requests within 30 days, though complex requests might take a bit longer.

Deletion and Restriction

In certain circumstances, you can ask us to delete your information or restrict how we use it. There are some exceptions, particularly where we're required by law to keep records, but we'll work with you to address your concerns.

• Right to access: Request copies of your personal data we hold
• Right to correction: Ask us to update inaccurate information
• Right to deletion: Request removal of your data (subject to legal exceptions)
• Right to object: Opt out of marketing communications or certain processing activities
• Right to complain: Lodge a complaint with the Office of the Australian Information Commissioner

6. Third-Party Services and Sharing

We work with carefully selected service providers who help us run our business. This includes payment processors, email service providers, website hosting companies, and analytics tools. These partners only access the information they need to perform their specific functions, and they're contractually obligated to protect your data.

Service Providers We Work With

• Payment processors for secure transaction handling
• Email marketing platforms for program updates and educational content
• Cloud storage providers for secure data backup
• Analytics services to understand website usage patterns
• Professional advisors including accountants and legal counsel when necessary

We might also share information if required by law, such as responding to a court order or cooperating with law enforcement. In the unlikely event that mirexanovia is acquired or merged with another organization, your information would be transferred as part of that transaction (you'd be notified beforehand).

7. Cookies and Tracking Technologies

Our website uses cookies, which are small text files stored on your device. We use them to remember your preferences, understand how people use our site, and occasionally to show relevant content based on your interests.

Types of Cookies We Use

• Essential cookies: Required for basic site functionality like secure login
• Analytics cookies: Help us understand visitor behavior and improve our content
• Preference cookies: Remember your settings and choices
• Marketing cookies: Used to deliver relevant content (you can opt out)

You can control cookies through your browser settings. Keep in mind that blocking certain cookies might affect how the site works for you. Most browsers let you view and delete cookies, and you can usually set your browser to refuse them altogether.

8. Children's Privacy

Our services are designed for adults and businesses. We don't knowingly collect information from anyone under 18. If you're a parent or guardian and believe your child has provided us with personal information, please contact us and we'll delete it promptly.

9. International Data Transfers

While we primarily store data in Australia, some of our service providers operate internationally. When we transfer information overseas, we ensure there are adequate safeguards in place. This might include contractual protections or verifying that the receiving country has privacy laws comparable to Australia's.

If you're based outside Australia and interact with our services, your information will be transferred to and processed in Australia under Australian privacy law.

10. Changes to This Policy

We review this privacy policy periodically and update it when necessary. If we make significant changes that affect how we handle your information, we'll notify you via email or through a prominent notice on our website. The "Last Updated" date at the top of this page shows when the most recent changes were made.

We encourage you to check this page occasionally, especially before providing new personal information. Continuing to use our services after changes indicates your acceptance of the updated policy.