Privacy Policy
Last Updated: January 2025
At brevalycos, we're committed to protecting your personal information. This policy explains how we collect, use, and safeguard your data when you interact with our budget education platform and services.
We operate under Australian privacy laws, including the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). Your trust matters to us, and we take our responsibilities seriously.
Information We Collect
When you use our services, we gather different types of information to provide you with quality financial education and personalized learning experiences.
Personal Information
This includes details you provide directly when creating an account or enrolling in our programs:
- Full name and contact details (email address, phone number)
- Residential address and postcode
- Date of birth and identification details where required
- Educational background and learning preferences
- Payment information for course enrollment
Usage Information
We automatically collect data about how you interact with our platform:
- Browser type, device information, and operating system
- Pages visited, time spent on content, and learning progress
- IP address and general location data
- Course completion rates and assessment results
- Communication preferences and interaction history
How We Use Your Information
Your data helps us deliver better educational experiences and maintain our service quality. Here's what we do with it:
Educational Services
We use your information to process enrollments, track learning progress, customize course recommendations, and provide certificates upon completion.
Communication
Your contact details let us send course updates, learning materials, program reminders, and respond to your inquiries about our services.
- Processing payments and managing your account securely
- Improving our platform based on usage patterns and feedback
- Sending relevant educational content and program updates
- Complying with Australian legal and regulatory requirements
- Preventing fraud and maintaining platform security
- Conducting research to enhance our teaching methods
Marketing Communications
We'll only send promotional materials if you've opted in. You can unsubscribe anytime through the link in our emails or by contacting us directly.
Data Sharing and Disclosure
We don't sell your personal information. But sometimes we need to share it with trusted partners who help us run our services.
Service Providers
We work with third-party companies that assist with:
- Payment processing and financial transactions
- Email delivery and communication platforms
- Cloud hosting and data storage services
- Analytics tools to understand platform usage
- Customer support systems and CRM platforms
These providers are contractually bound to protect your data and can only use it for specified purposes.
Legal Requirements
We may disclose your information when required by Australian law, court orders, or to protect our legal rights and the safety of our community.
Educational Partners
If you enroll in co-branded courses or programs with our educational partners, we'll share relevant information with them to deliver the learning experience. We'll always notify you before doing so.
Your Rights Under Australian Law
The Australian Privacy Principles give you specific rights regarding your personal information. You're in control.
| Your Right | What This Means |
|---|---|
| Access | Request a copy of the personal information we hold about you |
| Correction | Ask us to update or fix inaccurate information |
| Deletion | Request removal of your data (subject to legal obligations) |
| Restriction | Limit how we process your information in certain circumstances |
| Complaint | Lodge a complaint with us or the OAIC if you're concerned |
How to Exercise Your Rights
Send us an email at contact@brevalycos.com with your request. We'll respond within 30 days. You might need to verify your identity before we can process certain requests.
If you're not satisfied with our response, you can contact the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au.
Data Security Measures
We take security seriously. Your information is protected through multiple layers of safeguards:
- Industry-standard encryption for data transmission and storage
- Secure servers hosted in Australian data centers
- Regular security audits and vulnerability assessments
- Restricted access controls – only authorized staff can view your data
- Secure payment gateways that comply with PCI DSS standards
- Regular backups to prevent data loss
- Employee training on privacy and security best practices
What You Can Do
Choose strong, unique passwords for your account. Don't share your login details with anyone. Log out after using shared devices. Contact us immediately if you suspect unauthorized access.
Data Retention Periods
We keep your information only as long as necessary to provide our services and meet legal requirements.
Active Account Data
While your account is active, we retain all information needed to deliver educational services and maintain your learning history.
Retention After Account Closure
- Financial records: 7 years (Australian tax law requirement)
- Course completion certificates: Indefinitely for verification purposes
- Communication records: 2 years after last contact
- Marketing data: Deleted within 90 days of unsubscribing
- Usage analytics: Anonymized after 3 years
Once the retention period ends, we securely delete or anonymize your information so it can't be linked back to you.
Cookies and Tracking Technologies
Our website uses cookies – small text files stored on your device – to improve your experience and understand how people use our platform.
Types of Cookies We Use
- Essential cookies: Required for basic platform functionality
- Performance cookies: Help us understand usage patterns and improve services
- Functionality cookies: Remember your preferences and settings
- Analytics cookies: Provide insights about visitor behavior
You can control cookies through your browser settings. But disabling certain cookies might affect how our platform works for you.
Third-Party Analytics
We use analytics services to understand how people interact with our content. These services may set their own cookies. Their use is governed by their respective privacy policies.
Children's Privacy
Our services are designed for adults. We don't knowingly collect information from anyone under 18 without parental consent.
If you're under 18 and want to use our platform, please have a parent or guardian contact us first. If we discover we've collected information from a minor without proper consent, we'll delete it promptly.
International Data Transfers
Your data is primarily stored and processed within Australia. Occasionally, some service providers may process data overseas.
When international transfers occur, we ensure:
- Adequate protection measures are in place
- Recipients comply with standards equivalent to Australian privacy laws
- Contractual safeguards protect your information
- You're informed about where your data goes
We'll notify you if there are significant changes to where your data is stored or processed.
Changes to This Policy
Privacy laws and our practices evolve. We review and update this policy regularly to reflect those changes.
When we make significant updates, we'll notify you via email or a prominent notice on our platform. The "Last Updated" date at the top shows when the most recent changes were made.
Continuing to use our services after changes take effect means you accept the updated policy. If you disagree with changes, you can close your account.
Questions About Your Privacy?
We're here to help. Reach out with any concerns or questions about how we handle your information.