1. Introduction

lomixaria operates a financial trend recognition platform at lomixaria.com. We're committed to protecting your privacy and being transparent about how we collect, use, and safeguard your personal information.

This privacy policy complies with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). It explains our practices regarding personal information when you use our financial education services and platform.

2. Information We Collect

We collect information to provide better financial education services and improve your learning experience. Here's what we gather:

How We Collect Information

• Directly from you through forms, registrations, and communications
• Automatically through cookies and tracking technologies on our website
• From third parties like payment processors and analytics providers
• Through your interactions with our educational content and platform features

3. How We Use Your Information

We use your personal information for specific, legitimate purposes related to our financial education services:

1. Service Delivery: Providing access to courses, tracking progress, and delivering personalized learning experiences
2. Communication: Sending course updates, educational content, and responding to your inquiries
3. Platform Improvement: Analyzing usage patterns to enhance our educational tools and content
4. Legal Compliance: Meeting our obligations under Australian financial services regulations
5. Marketing: Sending relevant educational content and course recommendations (with your consent)
6. Security: Protecting your account and our platform from fraud and unauthorized access

4. Information Sharing and Disclosure

We share your information only when necessary and with appropriate safeguards in place:

Service Providers

We work with trusted third parties who help deliver our services, including payment processors, email platforms, and analytics providers. These partners can only use your information for the specific services they provide to us.

Legal Requirements

We may disclose information when required by Australian law, court orders, or to protect our rights, your safety, or the safety of others.

Business Transfers

If lomixaria undergoes a merger, acquisition, or sale of assets, your information may be transferred to the new entity, subject to the same privacy protections.

Your Consent

We may share information in other circumstances with your explicit consent or at your direction.

5. Your Privacy Rights

Under Australian privacy law, you have several important rights regarding your personal information:

How to Exercise Your Rights

To exercise these rights, contact us using the details below. We'll respond within 30 days and may need to verify your identity before processing your request. Some requests may take longer for complex cases, but we'll keep you informed of progress.

6. Data Security and Protection

We implement comprehensive security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction:

• Encryption: All data transmission uses SSL/TLS encryption, and sensitive data is encrypted at rest
• Access Controls: Limited access to personal information on a need-to-know basis with regular access reviews
• Regular Updates: We maintain current security patches and updates for all systems
• Staff Training: Regular privacy and security training for all team members handling personal information
• Incident Response: Established procedures for detecting, responding to, and reporting security incidents
• Third-Party Security: All service providers must meet our security standards through contractual agreements

While we implement strong security measures, no system is completely secure. We encourage you to use strong passwords and keep your login credentials confidential.

7. Data Retention

We retain your personal information only as long as necessary for the purposes outlined in this policy:

• Account Information: Retained while your account is active and for 7 years after closure for legal compliance
• Learning Progress: Kept for 3 years after course completion to provide continued access and support
• Communication Records: Maintained for 2 years for customer service and quality purposes
• Marketing Data: Deleted immediately when you unsubscribe or within 5 years of last engagement
• Technical Logs: Automatically deleted after 12 months unless required for security investigations

When information is no longer needed, we securely delete or anonymize it using industry-standard methods.

8. International Data Transfers

Your personal information is primarily stored and processed within Australia. However, some of our trusted service providers may be located overseas, including in the United States and European Union.

When we transfer information internationally, we ensure appropriate safeguards are in place, such as:

• Standard contractual clauses approved by Australian privacy authorities
• Adequacy decisions recognizing equivalent privacy protection
• Certification schemes demonstrating appropriate privacy safeguards
• Your explicit consent for the transfer

9. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience on our platform:

Essential Cookies

Required for basic platform functionality, including login sessions, security features, and course progress tracking. These cannot be disabled without affecting platform operation.

Analytics Cookies

Help us understand how you use our platform to improve content and features. We use anonymized data and you can opt out through your browser settings.

Preference Cookies

Remember your settings and preferences to provide a personalized experience across visits.

You can manage cookie preferences through your browser settings, but disabling certain cookies may limit platform functionality.

10. Children's Privacy

Our services are designed for adults interested in financial education. We don't knowingly collect personal information from children under 13 without parental consent.

If you believe we've collected information from a child under 13, please contact us immediately so we can delete the information and ensure the child cannot continue using our services without appropriate consent.

For users aged 13-17, we encourage parental involvement in their financial education journey and may require parental consent for certain features.

11. Changes to This Policy

We may update this privacy policy to reflect changes in our practices, technology, or legal requirements. When we make significant changes, we'll:

• Post the updated policy on our website with a new effective date
• Send email notifications to registered users about material changes
• Provide clear summaries of what has changed and why
• Give you opportunity to review changes before they take effect

We encourage you to review this policy periodically. Continued use of our services after changes take effect indicates your acceptance of the updated policy.