veradioxel

Who We Are

veradioxel operates as an educational platform focused on helping Australians develop better financial habits. Our business is located at Level 1 Shop 18 1, 5 Harrow Rd, Auburn NSW 2144, Australia. When we refer to "we," "us," or "our" in this policy, we mean veradioxel and our educational services.

We're not a financial institution or credit provider. We provide educational content and resources about personal finance management. That distinction matters because it shapes what information we collect and why we need it.

Information We Collect

The data we gather falls into several categories. Some you provide directly when signing up for our programs. Other information comes from how you interact with our platform.

Personal Information You Provide

Your name, email address, and phone number when you register
Payment details processed through our secure payment partners
Educational background and financial goals you share in program applications
Questions or feedback submitted through contact forms
Communication preferences for course updates and newsletters

Automatically Collected Data

When you visit our website or use our platform, we automatically collect certain technical information. This includes your IP address, browser type, device information, and how you navigate through our content. We use this to improve the user experience and understand which educational resources are most helpful.

Data Type	Purpose	Retention Period
Account Information	Program enrollment and access management	Duration of enrollment plus 7 years
Payment Records	Transaction processing and tax compliance	7 years as required by Australian tax law
Learning Progress	Track course completion and provide personalized support	Duration of enrollment plus 2 years
Communication History	Support inquiries and service improvement	3 years from last contact
Website Analytics	Platform optimization and content improvement	26 months in anonymized form

How We Use Your Information

We use your data for specific purposes related to delivering educational services. Nothing more, nothing less.

Providing access to learning programs and course materials you've enrolled in
Sending program updates, educational content, and administrative notices
Processing payments and maintaining financial records for tax purposes
Responding to your questions and providing customer support
Improving our educational content based on how students engage with materials
Complying with Australian legal and regulatory requirements
Preventing fraud and maintaining platform security

Marketing Communications: We'll only send promotional emails if you've opted in. You can unsubscribe anytime using the link in every email. Educational announcements about programs you're enrolled in are separate and considered essential communications.

Who We Share Data With

We don't sell your personal information. Period. But we do work with certain service providers who help us run our educational platform.

Service Providers

These companies help us deliver our services. They're contractually required to protect your data and can only use it for the specific purposes we've authorized:

Payment processors who handle transactions securely
Cloud hosting providers that store course materials and platform data
Email service providers for program communications
Analytics tools that help us understand how students use our platform
Customer support software to manage and respond to inquiries

Legal Requirements

Sometimes we're legally obligated to share information. This includes responding to valid legal processes, court orders, or government requests. We may also disclose data if necessary to protect our legal rights or prevent fraud.

Australian Data: Your information is primarily stored on servers located in Australia. Some service providers may process data overseas, but we ensure they meet Australian privacy standards through contractual agreements.

Your Privacy Rights

Under Australian privacy law, you have several rights regarding your personal information. Here's what you can do and how to exercise these rights.

Access Your Data

Request a copy of the personal information we hold about you. We'll provide this within 30 days, free of charge for the first request each year.

Correct Information

Ask us to update or correct inaccurate data. You can update most account details yourself through your profile settings.

Delete Your Account

Request deletion of your account and associated data. Note that we must retain some records for legal compliance purposes.

Restrict Processing

Object to certain uses of your information or ask us to limit how we process your data in specific situations.

Data Portability

Receive your data in a structured, commonly used format that you can transfer to another service provider.

Withdraw Consent

Opt out of marketing communications or withdraw consent for data processing where consent was the legal basis.

How to Exercise Your Rights

To make a privacy request, email us at info@veradioxel.com with "Privacy Request" in the subject line. Include your full name and the email address associated with your account. We'll verify your identity before processing any requests that involve accessing or changing personal data.

Most requests are handled within 30 days. If we need more time due to the complexity of your request, we'll let you know and explain why.

How We Protect Your Data

Security isn't just a checkbox for us. We implement multiple layers of protection to keep your information safe from unauthorized access, disclosure, or loss.

SSL encryption for all data transmitted between your browser and our servers
Encrypted storage for sensitive personal and payment information
Regular security audits and vulnerability assessments
Restricted access controls limiting who can view personal data internally
Staff training on privacy obligations and data handling procedures
Secure backup systems to prevent data loss
Monitoring systems to detect and respond to potential security incidents

While we take security seriously and implement industry-standard protections, no online system is completely immune to threats. We can't guarantee absolute security, but we're committed to maintaining robust safeguards and responding quickly if any issues arise.

Data Retention

We don't keep your information longer than necessary. Retention periods vary based on the type of data and legal requirements.

Account information remains active while you're enrolled in our programs. After you complete a program or close your account, we retain certain records for seven years to comply with Australian tax and business record-keeping requirements.

Learning progress and course completion records are kept for two years after program completion. This allows us to provide certificates or transcripts if you need them later.

Marketing data is retained until you unsubscribe or request deletion. Website analytics are anonymized after 26 months, removing any connection to individual users while preserving aggregate insights.

If you close your account, we'll delete non-essential personal information within 90 days. Records we're legally required to maintain will be securely archived with restricted access until the retention period expires.

International Data Transfers

Your data is primarily stored within Australia. However, some of our service providers operate internationally, which means your information might be processed or stored overseas.

When we transfer data internationally, we ensure the recipient country has privacy protections comparable to Australia's standards. We use contractual clauses that require overseas providers to handle your data in accordance with Australian Privacy Principles.

You have the right to ask about specific countries where your data might be processed. Contact us if you'd like details about international transfers relevant to your account.

Children's Privacy

Our educational programs are designed for adults. We don't knowingly collect personal information from anyone under 18 years of age without parental consent.

If you're under 18 and interested in our programs, a parent or guardian must create the account and provide consent. If we discover we've inadvertently collected data from a minor without proper consent, we'll delete that information promptly.

Cookies and Tracking

We use cookies and similar technologies to make our platform work properly and improve your experience. Some are essential for basic functionality. Others help us understand how people use our site so we can make it better.

Types of Cookies We Use

Essential cookies: Required for login, security, and basic platform features. These can't be disabled.
Performance cookies: Help us understand which content is most useful and how students navigate courses.
Functional cookies: Remember your preferences and settings to personalize your experience.

You can control non-essential cookies through your browser settings. Keep in mind that blocking certain cookies might affect how our platform functions. Most browsers allow you to view and delete cookies, and some offer private browsing modes that don't store cookies after you close the session.

Changes to This Policy

We review and update this privacy policy periodically to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you by email or through a notice on our platform.

The "Last Updated" date at the top of this policy shows when it was most recently revised. We encourage you to check this page occasionally to stay informed about how we protect your information.

Continued use of our services after policy changes indicates your acceptance of the updated terms. If you disagree with changes, you can close your account before they take effect.

Making a Complaint

If you're not satisfied with how we've handled your personal information, you have the right to complain. Start by contacting us directly at info@veradioxel.com. We'll investigate and respond to your complaint within 30 days.

If you're not happy with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC). They're the regulatory body overseeing privacy compliance in Australia.

OAIC contact details: Website: www.oaic.gov.au | Phone: 1300 363 992 | Email: enquiries@oaic.gov.au

Privacy Policy