Who We Are

cowyncarisaxivo operates from Gulliver, Queensland, providing specialized education in valuation techniques for financial analysts. We're a relatively small operation, which means we take data protection personally. When you share information with us, it stays within a tight-knit team who actually needs it to deliver quality education.

Our registered address is 13A Desailly St, Gulliver QLD 4812, Australia. You can reach us at +61412693681 or contact@cowyncarisaxivo.com for anything privacy-related.

Information We Collect

We're pretty straightforward about what we collect. Most of it comes directly from you when you interact with our courses or reach out for information.

Personal Details You Provide

• Name, email address, and phone number when you inquire about courses or register
• Professional background and current role (helps us tailor content to your experience level)
• Payment information when you enroll, though we don't store full card details ourselves
• Learning preferences and specific areas of interest in valuation techniques
• Communications you send us, including questions about course content or scheduling

Technical Information

Like most websites, ours collects some technical data automatically. This includes your IP address, browser type, device information, and how you navigate through our site. We use this to fix technical issues and understand which content actually helps people.

How We Use Your Information

We don't collect data just to have it. Everything we gather serves a specific purpose related to delivering education or meeting legal obligations.

• Delivering course materials and providing access to learning platforms
• Communicating about upcoming courses, schedule changes, or important updates
• Processing enrollments and handling payment transactions securely
• Responding to your questions and providing technical support when needed
• Improving our curriculum based on what actually helps financial analysts
• Meeting Australian financial and educational compliance requirements

Sharing and Disclosure

We keep your information pretty close. That said, there are a few situations where we share data with specific third parties.

Service Providers We Work With

• Payment Processors: We use established Australian payment gateways to handle transactions. They receive only the information needed to process payments and follow strict PCI DSS standards.
• Email Service Provider: Course communications and educational updates go through a cloud-based email platform. They process data solely to send our messages.
• Learning Platform: Course materials are hosted on a secure educational platform that handles user authentication and content delivery.
• Accounting Software: Financial records are maintained through cloud accounting services for tax compliance and business management.

Each provider signs agreements requiring them to protect your data and use it only for the specific services they provide to us.

Legal Requirements

We'll disclose information if required by Australian law, court orders, or regulatory authorities. This includes responding to valid subpoenas or requests from law enforcement. We'd also share information if genuinely necessary to prevent serious harm or protect legal rights.

Data Security Measures

Security isn't just a checkbox for us. We've set up multiple layers of protection because financial education involves sensitive professional information.

• All data transmission uses TLS encryption (the same technology banks use)
• Personal information is stored on servers with restricted access and regular security updates
• Payment data never touches our servers directly — it goes straight to PCI-compliant processors
• Staff access to personal information is limited to those who genuinely need it for their roles
• We maintain regular backups stored securely and separately from primary systems
• Security protocols are reviewed quarterly and updated based on current threats

Despite these precautions, no online system is completely secure. We can't guarantee absolute security, but we take every reasonable measure to protect your information.

Your Privacy Rights Under Australian Law

The Australian Privacy Principles give you specific rights regarding your personal information. Here's what you can do and how to do it.

Access Your Information

You can request a copy of the personal information we hold about you. We'll provide this within 30 days, usually in a readable electronic format. There's no charge for reasonable requests, though we might ask you to verify your identity first.

Correct Inaccurate Data

If something we have on file is wrong or outdated, let us know. We'll update it promptly. This is particularly important for contact information or professional qualifications that affect course recommendations.

Request Deletion

You can ask us to delete your personal information in most circumstances. We'll comply unless we're required to keep records for legal or regulatory reasons (like tax records, which we must retain for 7 years). Even then, we'll restrict access to only what's legally necessary.

Withdraw Consent

For activities based on consent (like marketing emails), you can withdraw permission anytime. This doesn't affect the lawfulness of processing before you withdrew consent.

Lodge a Complaint

If you're concerned about how we've handled your information, contact us first at contact@cowyncarisaxivo.com. We'll investigate and respond within 30 days. If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner at oaic.gov.au.

Data Retention Periods

We don't keep information longer than necessary. Here's our retention approach based on different data types and legal requirements.

Course enrollment records and related communications are kept for 5 years after your last interaction with us. This allows us to provide proof of completion if you need it years later and meets educational record-keeping standards.

Financial records, including payment information and invoices, are retained for 7 years to comply with Australian Taxation Office requirements. After that, they're securely destroyed.

Technical logs and website analytics are kept for 12 months, then automatically purged. Marketing preference data is maintained until you unsubscribe or request deletion.

If you specifically request deletion, we'll remove data sooner unless legal obligations prevent it. When retention periods expire, information is securely deleted from active systems and backups.

International Data Transfers

Our primary operations and data storage are within Australia. However, some service providers we use (particularly cloud-based platforms) may process data on servers located overseas.

When data is transferred internationally, we ensure the receiving country has adequate privacy protections or that providers maintain security standards equivalent to Australian requirements. Most of our international providers are based in countries with privacy laws comparable to Australia's.

You have the right to know which countries your data might be transferred to. Currently, this includes the United States and European Union countries, where our email and platform providers operate data centers.

Cookies and Tracking Technologies

Our website uses cookies — small text files stored on your device that help the site function properly and provide insights into how people use it.

Essential Cookies

These are necessary for basic site operation. They remember your login status, maintain security, and ensure pages load correctly. You can't disable these through our site, though most browsers let you block them (which might break functionality).

Analytics Cookies

We use analytics tools to understand which content is helpful and where people encounter problems. This data is aggregated and doesn't identify individuals. You can opt out through your browser settings or by using privacy-focused browser extensions.

We don't use advertising cookies or tracking pixels from social media platforms. Our analytics are purely for improving educational content delivery.

Children's Privacy

Our courses are designed for financial professionals and aren't intended for anyone under 18. We don't knowingly collect information from children. If we discover we've inadvertently collected data from someone under 18, we'll delete it immediately.

Changes to This Policy

Privacy practices evolve as technology and regulations change. We'll update this policy when necessary to reflect new practices or legal requirements.

Significant changes will be communicated via email to enrolled students and prominently displayed on our website. The "Last Updated" date at the top of this policy shows when the most recent version took effect.

We encourage you to review this policy periodically, especially if you're considering enrolling in new courses or if you've been away from our programs for a while.