valornexal operates from our office at 140 Brisbane St, East Tamworth NSW 2340, Australia. We're a budgeting education platform that helps Australians take control of their monthly finances through practical courses and personalized guidance.

When we say "we," "us," or "valornexal," we're referring to our company and the team that delivers budgeting education services. This policy covers all information we collect through our website, courses, and direct interactions with you.

We collect different types of information depending on how you interact with our services. Here's what we gather and why:

Your information helps us deliver better budgeting education and support. We never sell your personal data to third parties.

We also use aggregated, non-personal data to understand how people learn about budgeting and what topics are most helpful. This helps us create better educational content for everyone.

We keep your personal information within our team. There are only a few situations where we might share your data:

• Service providers: We work with trusted companies for email delivery, website hosting, and payment processing. They only access the minimum data needed to provide their services.
• Legal requirements: If required by Australian law or to protect our rights and safety, we may disclose information to authorities.
• Business changes: If valornexal is sold or merged with another company, your information would transfer to the new owners under the same privacy protections.

We never share your personal financial information or learning progress with marketing companies, data brokers, or anyone else looking to profit from your data.

Under Australian privacy law, you have several rights regarding your personal information:

To exercise any of these rights, just email us at contact@valornexal.com or call +61421172835. We'll respond within 30 days and won't charge you for reasonable requests.

We take protecting your information seriously, especially since we're handling your financial learning data and personal details.

Your course progress and personal information are stored on servers located in Australia, ensuring compliance with local privacy laws. We keep your data only as long as needed to provide our services or as required by law.

If you close your account, we'll delete your personal information within 90 days, though we may keep some records for legitimate business purposes like preventing fraud or complying with our legal obligations.

Our website uses cookies to remember your preferences and improve your experience. Most are essential for the site to work properly, but some help us understand how people use our educational content.

• Essential cookies: Keep you logged in and remember your course progress
• Analytics cookies: Help us see which topics are most popular and where people get stuck
• Preference cookies: Remember your settings and customization choices

You can control cookies through your browser settings, but disabling essential cookies might affect how our courses work. We don't use advertising cookies or share cookie data with marketing companies.

We update this privacy policy occasionally to reflect changes in our services or legal requirements. When we make significant changes, we'll email active users and post a notice on our website.

Minor updates, like clarifying existing practices or fixing typos, won't trigger notifications but will be reflected in the "last updated" date at the top of this page.

If you disagree with policy changes, you can close your account before they take effect. Continuing to use our services after changes means you accept the updated privacy policy.