Information We Collect

What You Give Us Directly

When you sign up for our financial statement analysis courses or contact us for information, we collect the basics. Name, email address, phone number if you provide it. Sometimes we need your postal address for sending physical course materials.

If you're enrolling in paid programs, we'll collect payment information through secure third-party processors. We never store your full credit card details on our servers.

Information We Collect Automatically

Like most websites, we gather some technical data when you visit. IP addresses, browser types, which pages you looked at and for how long. This helps us understand what content works and what doesn't.

We use cookies and similar tracking technologies. You can disable these in your browser, though some features might not work as smoothly.

How We Use Your Information

We're not in the business of selling your data to advertisers. Everything we collect serves a specific purpose related to delivering quality financial education.

• Delivering course content and managing your enrollment in our programs
• Communicating about upcoming courses, schedule changes, or new educational resources
• Processing payments and maintaining financial records as required by Australian tax law
• Improving our course materials based on how students interact with content
• Responding to your questions and providing technical support when needed
• Sending occasional updates about significant changes to our programs or policies
• Maintaining security and preventing unauthorized access to student accounts

We won't use your information for purposes you haven't agreed to. If we want to do something new with your data, we'll ask permission first.

Data Storage and Security

Your information lives on secure servers located in Australia. We use industry-standard encryption for data transmission and storage. That means SSL/TLS protocols for anything moving across the internet and encrypted databases for stored information.

Access to student data is restricted to staff members who need it to do their jobs. Everyone on our team signs confidentiality agreements and receives training on privacy practices.

How Long We Keep Your Data

Active student records stay in our system while you're enrolled and for seven years after course completion. Australian tax law requires us to maintain financial records for this period.

If you never complete enrollment after making an inquiry, we'll keep your contact information for two years before deleting it. Marketing communications? You can opt out anytime, and we'll stop sending them immediately.

Sharing Your Information

We don't sell student data. Period. But we do work with certain service providers who help us run our educational programs.

Service Providers We Work With

Payment processors handle transactions securely. Email service providers help us send course updates. Cloud hosting companies store our website and course materials. Learning management system providers deliver interactive content.

Every third party we work with signs data processing agreements that require them to protect your information the same way we do. They can only use your data for the specific services they're providing to us.

Legal Requirements

Sometimes we're legally required to share information. If a court issues a valid subpoena or if Australian authorities request data as part of a legitimate investigation, we'll comply with the law. But we'll only share what's specifically required and will notify you unless legally prohibited from doing so.

Your Privacy Rights

Your data belongs to you. We're just temporary custodians. Here's what you can do with your information:

• Access: Request a copy of all personal information we hold about you. We'll provide this within 30 days, in a readable format.
• Correction: Found an error in your student record? Tell us and we'll fix it promptly. Accuracy matters, especially for educational credentials.
• Deletion: Want your data removed? We'll delete everything except what we're legally required to keep for tax and academic record purposes.
• Data portability: Request your information in a structured, commonly used format that you can transfer to another service provider.
• Opt-out: Stop receiving marketing emails anytime by clicking the unsubscribe link or contacting us directly.
• Restrict processing: Ask us to limit how we use your information in certain circumstances.
• Object: You can object to specific uses of your data, and we'll review your request carefully.

How to Exercise Your Rights

Email help@belcavorio.com with your request. Include enough detail so we can verify your identity and understand what you're asking for. We'll respond within 30 days. If your request is complex or we receive multiple requests from you, we might need an additional 30 days—but we'll let you know if that happens.

There's no charge for most requests. If your request is clearly unfounded or excessive, we might charge a reasonable fee or refuse to act on it. But that's rare.

Cookies and Tracking Technologies

We use cookies to make our website work properly and to understand how people use our educational resources. Some cookies are essential—without them, you couldn't log into your student account or navigate between pages.

Types of Cookies We Use

Essential cookies keep you logged in and remember your preferences. Analytics cookies show us which course materials get viewed most often and where students spend time. This helps us improve content quality.

We don't use advertising cookies because we're not in the advertising business. We're educators, not marketers chasing clicks.

Your browser lets you control cookies. You can block them entirely, though some website features won't work properly. Most browsers also let you delete cookies after each session or set preferences for specific sites.

Children's Privacy

Our financial statement analysis courses target adult learners and professionals. We don't knowingly collect information from anyone under 18 years old.

If we discover we've accidentally collected data from someone under 18, we'll delete it immediately. Parents or guardians who believe their child has provided information to us should contact us right away.

Changes to This Policy

Privacy laws change. Our business practices evolve. When we update this policy, we'll post the new version here with a revised date at the top.

For significant changes that affect how we use your data, we'll send you a direct email notification. You'll have the chance to review changes before they take effect.

We recommend checking this page occasionally, especially if you haven't visited in a while. Staying informed about how your data is handled is important.

Data Breach Notification

We take security seriously, but no system is completely impenetrable. If we experience a data breach that's likely to result in serious harm, we'll notify you within 72 hours of becoming aware of the breach.

We'll also notify the Office of the Australian Information Commissioner as required by Australian privacy law. Our notification will include what happened, what data was affected, what we're doing about it, and steps you can take to protect yourself.