Privacy Policy
Last Updated: January 2026
At quaromeliq, we're straightforward about how we handle your information. Running a business budget education service means we collect certain data, and you deserve to know exactly what happens with it.
This policy explains our practices in plain language. We operate under Australian privacy laws, specifically the Privacy Act 1988 and the Australian Privacy Principles (APPs). If something isn't clear, reach out to us directly.
Information We Collect
We gather different types of information depending on how you interact with our educational resources. Some you provide directly, some we collect automatically.
Personal Details You Provide
When you sign up for our learning programs or contact us, we ask for basics like your name, email address, phone number, and business information. For program enrolments starting in mid-2026, we collect additional details about your business type and financial literacy level to tailor the curriculum.
- Contact information: name, email, phone number, business address
- Business details: company name, industry sector, team size
- Professional background: current role, years in business, specific budget challenges
- Payment information: billing details for course enrolments (processed securely through third-party providers)
- Communication preferences: how and when you want to hear from us
Technical Data We Collect Automatically
Like most websites, ours collects certain information automatically through your browser and device. This helps us understand how people use our resources and where we can improve.
- Device information: browser type, operating system, screen resolution
- Usage patterns: pages visited, time spent on content, navigation paths
- Location data: general geographic location based on IP address (city and state level, not precise coordinates)
- Referral sources: how you found our site, whether through search engines or other websites
About Cookies and Tracking
We use cookies to remember your preferences and improve site functionality. You can disable cookies in your browser settings, though some features might not work as smoothly. We don't use invasive tracking or sell your browsing data to advertisers.
How We Use Your Information
Every piece of data we collect serves a specific purpose tied to delivering quality business education. We don't collect information just to have it.
| Purpose | Data Used | Legal Basis |
|---|---|---|
| Program enrolment and delivery | Contact details, business information, payment data | Contract performance |
| Course customization | Professional background, learning preferences | Legitimate business interest |
| Communication about programs | Email, phone number, communication preferences | Consent and contract performance |
| Website improvement | Usage patterns, technical data | Legitimate business interest |
| Customer support | Contact information, inquiry details | Contract performance and legitimate interest |
| Legal compliance | All relevant information as required | Legal obligation |
We occasionally send educational content and program updates to enrolled students and newsletter subscribers. You can opt out any time, and we respect that choice immediately.
Data Sharing and Third Parties
We work with select service providers to deliver our programs effectively. These partners only access data necessary for their specific role, and they're bound by strict confidentiality agreements.
Service Providers We Work With
- Payment processors handling secure transactions for course fees
- Email service providers managing program communications and newsletters
- Cloud hosting services storing course materials and student data
- Analytics platforms helping us understand site usage patterns
- Customer support software for inquiry management
All our service providers operate under Australian jurisdiction or have adequate data protection measures in place. We vet them carefully before sharing any student information.
What We Never Do
We don't sell your personal information to marketing companies, data brokers, or advertisers. We don't share student lists with other educational institutions without explicit permission. We don't use your data for purposes unrelated to business budget education.
Your Privacy Rights
Under Australian privacy law, you have several rights regarding your personal information. We've built processes to make exercising these rights straightforward.
Access Your Data
Request a copy of all personal information we hold about you. We typically provide this within 30 days at no charge.
Correct Information
Update inaccurate or incomplete details in your account at any time through your student portal or by contacting us directly.
Request Deletion
Ask us to remove your personal information from our systems, subject to legal retention requirements for financial and educational records.
Restrict Processing
Limit how we use your data in certain circumstances, such as while disputing accuracy or during investigation of concerns.
Object to Use
Stop us from using your information for specific purposes like marketing communications or certain analytics activities.
Data Portability
Receive your information in a common, machine-readable format for transfer to another service provider if needed.
How to Exercise Your Rights
Send your request to support@quaromeliq.com with "Privacy Request" in the subject line. Include your full name and the email address associated with your account. We'll verify your identity before processing any requests involving access to or changes to personal information.
Most requests get handled within 30 days. If we need more time due to complexity, we'll let you know the reason and expected timeline.
Data Security Measures
Protecting student information is fundamental to our operation. We've implemented technical and organizational measures appropriate for an educational service handling financial literacy data.
- Encryption of data in transit and at rest using industry-standard protocols
- Regular security audits and vulnerability assessments of our systems
- Strict access controls limiting staff access to necessary information only
- Secure authentication requirements including strong password policies
- Regular backups stored in secure, geographically separate locations
- Staff training on data protection and privacy best practices
- Incident response procedures for potential security breaches
Despite our precautions, no system is completely secure. If we detect a breach affecting your personal information, we'll notify you and relevant authorities as required by Australian law, typically within 72 hours of becoming aware.
Data Retention Periods
We keep your information only as long as necessary for the purposes outlined in this policy, or as required by Australian law.
| Data Type | Retention Period | Reason |
|---|---|---|
| Student enrolment records | 7 years after course completion | Educational record keeping, potential credential verification |
| Financial transactions | 7 years from transaction date | Australian tax law requirements |
| Marketing communications data | Until consent withdrawn or 3 years of inactivity | Legitimate business interest, consent-based |
| Website analytics | 26 months maximum | Business improvement, typically anonymized after 14 months |
| Support inquiries | 3 years from last interaction | Service quality, dispute resolution |
| Account information (active users) | Duration of account plus 2 years | Service delivery, potential re-enrolment |
After retention periods expire, we securely delete or anonymize information so it can no longer identify you. Some aggregated, anonymized data might be kept indefinitely for statistical analysis and program development.
International Data Transfers
We primarily store and process data within Australia. However, some service providers operate infrastructure in other countries with strong data protection laws.
When data leaves Australia, we ensure appropriate safeguards through Standard Contractual Clauses approved by relevant authorities, or by working only with countries recognized as having adequate privacy protections comparable to Australian standards.
Current international service providers include cloud hosting in Singapore and email services with servers in the United States. Both operate under contractual obligations to maintain Australian privacy law equivalency in their handling of your information.
Children's Privacy
Our business budget education programs target working professionals and business owners. We don't knowingly collect information from individuals under 18 years old without verifiable parental consent.
If we discover we've inadvertently collected data from someone under 18, we'll delete it promptly unless we have documented parental authorization for their participation in our programs.
Changes to This Policy
We review and update this privacy policy periodically to reflect changes in our practices, technology, legal requirements, or business operations. The "Last Updated" date at the top shows when we last revised it.
For minor clarifications, we'll post the updated version on our website. For significant changes affecting how we handle your information, we'll notify enrolled students directly via email at least 30 days before the changes take effect.
Continuing to use our services after changes become effective means you accept the updated policy. If you disagree with changes, contact us to discuss options including account closure if you prefer.
Complaints and Disputes
If you believe we've mishandled your personal information or violated Australian privacy laws, please contact us first. Most concerns get resolved through direct discussion.
Our complaints process involves acknowledging your concern within 7 days and providing a substantive response within 30 days. If the matter is complex, we'll explain why we need additional time and provide regular updates.
If you're unsatisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC). They're the regulatory body overseeing privacy law compliance in Australia. Visit oaic.gov.au for their complaint process.
Questions About Privacy?
We're here to address concerns and clarify how we protect your information. Reach out through any of these channels, and we'll respond within two business days.