Privacy Policy

Introduction and Overview

osmarivento ("we", "us", or "our") operates osmarivento.sbs and is committed to protecting your privacy and personal information. This privacy policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services. We understand that privacy matters to you, and we want to be transparent about our practices.

By accessing or using our services, you agree to the collection and use of information in accordance with this policy. If you disagree with any part of this policy, please do not access the website or use our services.

Information We Collect

We collect various types of information to provide and improve our services to you. This information falls into several categories:

• Personal Information: Name, email address, phone number, and postal address when you register or contact us
• Usage Data: Information about how you access and use our website, including IP address, browser type, pages visited, and time spent
• Device Information: Device type, operating system, unique device identifiers, and mobile network information
• Cookies and Tracking: We use cookies, web beacons, and similar technologies to enhance your experience and gather usage information
• Communication Records: Content of emails, messages, or other communications you send to us

How We Use Your Information

We use the collected information for various purposes related to providing our startup finance education services:

• To provide, operate, and maintain our website and services
• To process your inquiries and respond to your requests for information
• To send you educational content, updates, and program information
• To analyze usage patterns and improve our website functionality
• To detect, prevent, and address technical issues or security concerns
• To comply with legal obligations and enforce our terms of service

Information Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. However, we may share your information in the following circumstances:

• Service Providers: With trusted third-party companies that help us operate our website and provide services
• Legal Requirements: When required by law, court order, or government regulation
• Business Transfers: In connection with a merger, acquisition, or sale of assets
• Protection of Rights: To protect our rights, property, or safety, or that of our users
• Consent: With your explicit consent for specific purposes

All third-party service providers are bound by confidentiality agreements and are prohibited from using your information for any purpose other than providing services to us.

Your Rights and Choices

Under Australian Privacy Principles and applicable privacy laws, you have several rights regarding your personal information:

• Access: Request access to the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information, subject to legal obligations
• Objection: Object to processing of your information for certain purposes
• Data Portability: Request a copy of your information in a commonly used format
• Withdrawal of Consent: Withdraw consent where processing is based on consent

To exercise these rights, please contact us using the information provided below. We will respond to your request within 30 days and may require verification of your identity.

Data Security and Protection

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• Encryption of sensitive data during transmission and storage
• Regular security assessments and updates to our systems
• Access controls and authentication measures for our staff
• Secure data centers with physical and electronic safeguards
• Employee training on data protection and privacy practices

Data Retention and International Transfers

We retain your personal information only as long as necessary to fulfill the purposes outlined in this policy or as required by law. Generally, we keep personal information for:

• Account information: Until account closure plus 3 years for legal compliance
• Communication records: 2 years from last interaction
• Usage data: 12 months for analytics purposes
• Marketing data: Until you unsubscribe or request deletion

Some of our service providers may be located outside Australia. When we transfer your information internationally, we ensure appropriate safeguards are in place through standard contractual clauses or adequacy decisions.

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance your browsing experience and collect usage information. You can control cookie settings through your browser, but disabling cookies may affect website functionality.

• Essential Cookies: Required for website operation and cannot be disabled
• Analytics Cookies: Help us understand how visitors use our website
• Preference Cookies: Remember your settings and preferences
• Marketing Cookies: Used to deliver relevant advertisements (with your consent)

Changes to This Privacy Policy

We may update this privacy policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will notify you of any material changes by posting the new policy on this page and updating the "Last Updated" date.

We encourage you to review this policy periodically to stay informed about how we protect your information. Your continued use of our services after any changes indicates your acceptance of the updated policy.