1. Information We Collect

When you interact with kolminteqa, we collect different types of information depending on how you use our services. Some of this you give us directly, and some we gather automatically to improve your experience.

Personal Information You Provide

This includes details you share when signing up for courses, contacting us, or creating an account:

• Full name and contact details (email address, phone number)
• Postal address for course materials or certificates
• Payment information processed through secure third-party providers
• Educational background and learning goals when relevant to course selection
• Communication preferences and feedback you provide

Automatically Collected Data

Our systems gather technical information to keep everything running smoothly:

• Device type, browser version, and operating system
• IP address and general location data (city and state level)
• Pages visited, time spent on site, and navigation patterns
• Course progress, completion rates, and assessment results
• Cookies and similar tracking technologies (see Section 6 for details)

2. How We Use Your Information

We don't collect data just to have it. Everything we gather serves a specific purpose tied to delivering quality financial education.

3. Data Sharing and Third Parties

Running an education platform means working with partners. Here's who we share information with and why:

Essential Service Providers

• Payment Processors: Secure handling of transactions (they never see your full card details)
• Email Services: Delivering course communications and updates
• Cloud Hosting: Storing course content and user data securely
• Analytics Platforms: Understanding how people use our site to make it better

Legal Obligations

Sometimes we're required to disclose information to comply with Australian law, respond to legal processes, or protect the rights and safety of our users. This happens rarely, but we're obligated to be upfront about it.

Business Transfers

If kolminteqa merges with another company or sells assets, your information might be transferred. You'd be notified beforehand, and the new entity would need to honor this privacy policy.

4. Your Rights Under Australian Privacy Law

The Australian Privacy Act gives you significant control over your personal information. Here's what you can do:

To exercise any of these rights, contact us using the details at the bottom of this page. We'll verify your identity and respond within the timeframes required by law.

5. Data Security and Protection

We take security seriously because financial education data deserves careful handling. Our protection measures include:

• Industry-standard encryption for data transmission (TLS/SSL protocols)
• Secure servers with restricted access controls and monitoring
• Regular security audits and vulnerability assessments
• Employee training on data protection and privacy practices
• Multi-factor authentication for administrative access
• Automated backup systems to prevent data loss

That said, no online system is 100% secure. We implement strong safeguards, but we encourage you to use strong passwords and keep your login details private.

6. Cookies and Tracking Technologies

Like most websites, we use cookies to remember your preferences and understand how people use our platform.

Types of Cookies We Use

• Essential Cookies: Required for basic site functionality like login and course access
• Performance Cookies: Help us understand which pages work well and which need improvement
• Functional Cookies: Remember your settings and preferences between visits
• Analytics Cookies: Provide aggregated data about site usage patterns

You can control cookies through your browser settings, though disabling certain types might affect site functionality. Most browsers let you block third-party cookies while keeping first-party ones active.

7. Data Retention and Deletion

We don't keep your information forever. Here's how long we retain different types of data:

When data reaches the end of its retention period, we securely delete or anonymize it. You can request earlier deletion, though we might need to keep certain records for legal compliance.

8. Children's Privacy

kolminteqa courses are designed for adults. We don't knowingly collect information from anyone under 18 without parental consent. If you're a parent and believe your child has provided us with personal information, contact us immediately so we can delete it.

9. International Data Transfers

Your data is primarily stored on servers within Australia. Some of our service providers operate internationally, which might involve transferring data overseas. When this happens, we ensure appropriate safeguards are in place through contractual agreements that require equivalent privacy protection.

10. Changes to This Policy

Privacy practices evolve alongside technology and regulations. We review this policy regularly and update it when necessary. Significant changes will be communicated via email to active users, and the "Last Updated" date at the top will always reflect the most recent version.

Continued use of kolminteqa services after changes take effect means you accept the updated policy. If you disagree with modifications, you can close your account before they become active.

11. Complaints and Disputes

If you have concerns about how we handle your information, we want to hear about it. Start by contacting us directly through the details below. 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 (OAIC) at oaic.gov.au or by calling 1300 363 992.