Who We Are

cosildanhulboexi operates from 30-32 Ralph St, Launceston TAS 7250, Australia. We provide online education focused on capital budgeting principles and financial decision-making frameworks. When we say "we," "us," or "cosildanhulboexi," we're talking about our educational platform and the team behind it.

This privacy policy covers our website at cosildanhulboexi.com and any related educational services we offer. If you have questions about how we handle your data, reach out to support@cosildanhulboexi.com or call +61410448770.

Information We Collect

Look, we only collect what we actually need to run the education programs and communicate with you. Nothing more, nothing less.

Information You Give Us Directly

When you sign up for courses or contact us, you might share:

• Your name and email address for account creation
• Phone number if you want course reminders via SMS
• Payment details when enrolling in paid programs
• Professional background info to customize your learning path
• Questions or feedback you send through our contact form

Technical Information

Like most websites, we automatically collect some technical data when you visit:

• IP address and general location (city level, not your exact address)
• Browser type and device information
• Pages you view and how long you spend on them
• Referring website if you clicked through from somewhere else
• Date and time of your visits

How We Use Your Information

Your data serves specific purposes related to delivering education services. Here's what we actually do with it:

Purpose	Data Used	Legal Basis (Australian Privacy Act)
Course enrollment and delivery	Name, email, course preferences	Contract performance
Payment processing	Payment details, billing address	Contract performance
Sending course updates and materials	Email address, course enrollment data	Legitimate business interest
Improving educational content	Usage patterns, feedback responses	Legitimate business interest
Customer support	Contact details, support history	Contract performance

We won't use your information for anything unrelated to your education experience. No selling data to third parties. No bombarding you with unrelated marketing. Just straightforward educational service delivery.

Sharing Your Information

We work with a few trusted service providers to run our platform. Each one only gets access to the specific data they need:

Payment Processors

When you enroll in a paid course, your payment information goes directly to our payment processor. We use Australian-based payment services that comply with PCI DSS standards. We never store your full credit card details on our servers.

Email Service Provider

Course materials and updates are sent through our email platform. They process your email address and name to deliver messages but don't use your data for their own purposes.

Analytics Provider

We use privacy-focused analytics to understand how people use our courses. This data is anonymized and aggregated, so individual behavior isn't tracked or identifiable.

Legal Requirements

If Australian law requires us to disclose information, or if we need to protect our legal rights, we might share your data with authorities or legal representatives. This happens rarely and only when legally necessary.

Your Privacy Rights

Under the Australian Privacy Act 1988 and subsequent amendments, you have specific rights regarding your personal information. Here's what you can do and how to exercise these rights:

How to Make a Request

Email us at support@cosildanhulboexi.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 (usually by sending a confirmation to your registered email) and process most requests within 30 days.

For complex requests, we might need up to 60 days. If that's the case, we'll let you know why it's taking longer and keep you updated on progress.

Data Security Measures

We take reasonable steps to protect your information from unauthorized access, loss, or misuse. Here's what that actually means in practice:

Technical Safeguards

• SSL encryption for all data transmitted to and from our website
• Encrypted storage for sensitive personal information
• Regular security updates and patches to our systems
• Firewall protection and intrusion detection systems
• Regular backups stored in secure, separate locations

Access Controls

Only authorized team members can access student data, and only when needed for their specific role. We use unique login credentials, multi-factor authentication for administrative access, and maintain detailed access logs.

What We Can't Guarantee

No system is completely secure. While we implement industry-standard protections, we can't guarantee absolute security. If a data breach occurs that affects your information, we'll notify you within 72 hours and explain what happened and what we're doing about it.

How Long We Keep Your Data

We don't keep information longer than necessary. Different types of data have different retention periods based on legal requirements and practical needs:

Active Student Data

While you're enrolled in courses or have an active account, we keep all your information accessible. This includes your profile, course progress, and communication history.

After Account Closure

When you close your account, we delete most personal information within 90 days. Some data might stick around longer if:

• Australian tax law requires us to keep financial records for seven years
• We have an ongoing legal obligation to retain certain information
• The data has been anonymized for statistical analysis (no longer personally identifiable)

Automatic Deletion

If you create an account but never enroll in a course and don't log in for three years, we'll automatically delete your account and associated data. We'll email you a warning 30 days before this happens.

Cookies and Tracking

We use a minimal number of cookies to make the website function properly. Here's what we actually use:

Essential Cookies

These keep you logged in and remember your preferences during your session. Without them, the site wouldn't work. They expire when you close your browser.

Analytics Cookies

We use privacy-focused analytics that don't track individual users across websites. These help us understand which course pages are most useful and where people get confused. You can opt out through your browser settings.

What We Don't Use

No advertising cookies. No social media tracking pixels. No third-party cookies that follow you around the internet. Our website is refreshingly tracker-free compared to most online platforms.

Children's Privacy

Our courses focus on capital budgeting and financial analysis, targeting working professionals. We don't knowingly collect information from anyone under 18 years old. If you're under 18, don't create an account or provide personal information.

If we discover we've accidentally collected data from someone under 18, we'll delete it immediately. Parents or guardians who believe we might have information about their child should contact us right away at support@cosildanhulboexi.com.

Changes to This Policy

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

The "Last Updated" date at the top of this page tells you when we last revised the policy. We keep previous versions archived, so if you want to see what changed, just ask.

Continuing to use cosildanhulboexi after policy changes means you accept the updated terms. If you don't agree with changes, you can close your account and request data deletion.