Who We Are

pylarseliv operates from Sinclair Cl, Bunbury WA 6230, Australia. We provide budget foundations education to individuals across Australia who want to build stronger financial habits. When you interact with our services, you're trusting us with information that matters.

We're bound by the Privacy Act 1988 (Cth) and the Australian Privacy Principles. These aren't just legal requirements for us—they shape how we think about your data every day.

Information We Collect

Different interactions mean different data. Here's what we typically gather:

When You Enquire or Register

• Your name and contact details (email, phone number)
• Location information to understand your timezone and local context
• Educational background if relevant to program placement
• Any specific learning goals you share with us

During Your Learning Journey

• Progress through course materials and modules
• Assessment results and feedback submissions
• Questions you ask our support team
• Participation in group discussions or forums

Technical Information

Like most websites, we collect technical data automatically. This includes your IP address, browser type, device information, and how you navigate our site. We use this to improve performance and spot any technical issues early.

How We Use Your Information

Everything we collect serves a specific purpose. We're not in the business of gathering data for its own sake.

We occasionally send emails about new course modules or relevant financial education tips. You can unsubscribe anytime—there's a link at the bottom of every message we send.

Sharing and Disclosure

We're selective about who sees your information. Here's the complete picture:

Service Providers We Work With

Some functions require external help. We use trusted providers for email delivery, website hosting, and payment processing. Each provider signs agreements that restrict how they can handle your data. They're processors, not independent controllers—meaning they only act on our instructions.

Legal Requirements

Australian law occasionally requires disclosure. This might include court orders, regulatory investigations, or legitimate law enforcement requests. We'll notify you if legally permitted to do so.

Business Transitions

If pylarseliv merges with another organization or sells assets, your information might transfer as part of that transaction. You'd receive notice beforehand, and the new entity would need to honour this privacy policy unless you consent otherwise.

Your Privacy Rights

Australian privacy law gives you significant control. Here's what you can do:

To exercise any right, email contact@pylarseliv.com with your request. We'll verify your identity and respond within the timeframes required by Australian law. There's no charge for most requests, though we might apply a reasonable fee for excessive or repeated requests.

Data Security Measures

Security isn't a checklist item—it's an ongoing commitment. We protect your information through multiple layers:

• Encryption: All data transmitted between your device and our servers uses TLS encryption. Sensitive data at rest is also encrypted.
• Access Controls: Only authorized team members can access personal information, and only when necessary for their role.
• Regular Audits: We review security practices quarterly and conduct penetration testing annually.
• Secure Infrastructure: Our hosting providers maintain ISO 27001 certification and undergo regular security assessments.
• Incident Response: We have documented procedures for detecting, responding to, and reporting any security breach.

Despite our precautions, no system is completely secure. If we detect a breach affecting your information, we'll notify you and the Office of the Australian Information Commissioner as required by law.

How Long We Keep Your Data

We don't keep information longer than necessary. Different data types have different retention periods:

• Active learners: We maintain your data while you're enrolled and for two years after your last interaction with our programs.
• Enquiries: If you don't proceed with enrollment, we delete enquiry data after 12 months.
• Financial records: Australian tax law requires we keep transaction records for seven years.
• Technical logs: Most logs are automatically deleted after 90 days unless needed for security investigations.
• Marketing consent: If you unsubscribe, we keep your email address on a suppression list to prevent accidental re-contact, but delete other associated data.

When data reaches its retention limit, we securely delete or anonymize it. Anonymized data no longer identifies you and may be retained for statistical analysis.

Cookies and Tracking

Our website uses cookies—small text files stored on your device. Most are essential for basic functionality, but some help us understand how people use our site.

Types of Cookies We Use

• Essential cookies: These make the site work. Without them, you can't log in or access learning materials.
• Analytics cookies: We use these to see which pages are popular and where people encounter problems. This helps us improve content.
• Preference cookies: These remember your settings so you don't need to reconfigure things on every visit.

You can control cookies through your browser settings. Blocking essential cookies will limit site functionality. Most browsers let you delete cookies or prevent them being set in the first place.

We don't use advertising cookies or share cookie data with third-party ad networks. The analytics we gather stay with us and our direct service providers.

Third-Party Links

Our learning materials occasionally link to external resources—articles, calculators, or reference materials from other organizations. Once you leave our site, this privacy policy no longer applies.

We try to link only to reputable sources, but we can't control their privacy practices. Before providing information to another site, check their privacy policy.

Children's Privacy

Our programs target adults developing budget management skills. We don't knowingly collect information from anyone under 18. If you believe we've inadvertently gathered data from a minor, contact us immediately at contact@pylarseliv.com and we'll delete it.

Changes to This Policy

Privacy practices evolve. When we update this policy, we'll change the "Last updated" date at the top. Significant changes trigger an email notification to active learners.

We recommend reviewing this page periodically. Continued use of our services after changes means you accept the updated terms.

Complaints and Disputes

If you're unhappy with how we've handled your information, start by contacting us directly at contact@pylarseliv.com. We'll investigate and respond within 30 days.

If our response doesn't resolve your concern, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC). Their contact details:

• Phone: 1300 363 992
• Website: www.oaic.gov.au
• Mail: GPO Box 5218, Sydney NSW 2001

The OAIC provides free, independent dispute resolution services for privacy complaints.