Privacy Policy
Last Updated: 14 January 2025
At Lralmontex, we understand that your personal information matters. This isn't just legal text — it's a clear explanation of what we collect, why we need it, and how we protect it.
We operate under Australian privacy laws, including the Privacy Act 1988 and the Australian Privacy Principles. If something here doesn't make sense or you want more details, reach out. We're happy to explain.
What Information We Collect
Personal Information You Give Us
When you sign up for our investment analysis courses or contact us, we collect basic details. This helps us provide the education you're looking for.
- Your full name and email address
- Phone number when you choose to provide it
- Billing address for course enrolment
- Payment information processed through secure third-party providers
- Course preferences and learning goals you share with us
Information We Collect Automatically
Like most websites, ours gathers some technical data when you visit. This helps us understand how people use our site and where we can make improvements.
- IP address and general location information
- Browser type and device details
- Pages you visit and how long you stay
- Links you click and files you download
- Date and time of your visits
How We Use Your Information
We're not in the business of selling your data. Everything we collect serves a specific purpose related to providing quality financial education.
| Purpose | What This Means |
|---|---|
| Course Delivery | Giving you access to learning materials and tracking your progress through modules |
| Communication | Sending course updates, answering your questions, and sharing relevant educational content |
| Payment Processing | Handling course fees securely and maintaining transaction records |
| Site Improvement | Understanding which resources help most and where students get stuck |
| Legal Compliance | Meeting Australian business and taxation requirements |
Who We Share Information With
We don't hand out your personal details casually. But running an educational platform means working with some trusted partners.
Service Providers We Work With
- Payment processors who handle secure transactions (they never see your full card details)
- Email service providers who help us send course materials and updates
- Hosting companies that keep our website running smoothly
- Analytics tools that show us how people use our site (anonymized data only)
These companies can only use your information for the specific services they provide to us. They're bound by their own privacy obligations and can't use your data for their own purposes.
Legal Requirements
Sometimes we're legally required to share information — like responding to valid court orders or protecting someone's safety. We'll only do this when we have a genuine legal obligation.
A Note About Marketing
We occasionally send emails about new courses or relevant financial education topics. You can unsubscribe anytime using the link in every email. Once you opt out, we stop the marketing messages (though we'll still send essential course-related information if you're enrolled).
Your Privacy Rights
Under Australian privacy law, you have real control over your personal information. Here's what you can do:
Access Your Data
Request a copy of the personal information we hold about you. We'll provide this within 30 days, usually much sooner.
Correct Information
If something we have on file is wrong or outdated, let us know and we'll fix it promptly.
Delete Your Account
Ask us to remove your personal information. We'll do this unless we need to keep certain records for legal reasons.
Restrict Processing
Limit how we use your information while we resolve any concerns you have about accuracy or usage.
To exercise any of these rights, send an email to [email protected] with "Privacy Request" in the subject line. We'll verify your identity and respond within the timeframes required by Australian law.
How We Protect Your Information
Security isn't just a checkbox for us. We take practical steps to keep your data safe.
- All data transmission uses industry-standard encryption
- Payment information is handled by PCI-compliant processors — we never store full card details
- Our systems are regularly updated and monitored for vulnerabilities
- Staff access to personal information is limited to those who need it for their work
- We use secure Australian-based servers with regular backups
No system is completely bulletproof. But we stay vigilant and continuously improve our security practices.
How Long We Keep Your Data
We don't keep information longer than necessary. Here's our general approach:
Active Students
While you're enrolled in courses, we maintain your account information and learning progress. This lets you pick up where you left off and access materials you've purchased.
After Course Completion
We keep your account active for three years after your last interaction. This gives you time to return if you want to refresh your knowledge or explore advanced topics. After three years of inactivity, we'll contact you before deleting your account.
Financial Records
Australian tax law requires us to keep transaction records for seven years. These are stored securely and accessed only when legally necessary.
Marketing Lists
If you've unsubscribed from marketing, we keep your email on a suppression list so we don't accidentally contact you again. This list is maintained indefinitely unless you ask us to remove your details entirely.
Cookies and Tracking
Our website uses cookies — small text files stored on your device. Most are essential for the site to work properly. Others help us understand user behavior and improve our content.
Types of Cookies We Use
- Essential cookies that remember your login and course progress
- Analytics cookies that show us which pages are most helpful (anonymized data)
- Preference cookies that remember your settings between visits
You can control cookies through your browser settings. Blocking all cookies might affect how some features work, but core functionality will remain available.
International Data Transfers
We primarily use Australian service providers, but some tools (like email platforms) operate internationally. When your information leaves Australia, we ensure adequate protection through:
- Working only with providers who meet international privacy standards
- Using contractual protections that match Australian privacy requirements
- Choosing providers in countries with recognized privacy frameworks
Children's Privacy
Our courses are designed for adults interested in investment analysis. We don't knowingly collect information from anyone under 18. If you're a parent and believe your child has provided us with personal details, contact us immediately and we'll delete that information.
Changes to This Policy
Privacy practices evolve. We'll update this policy when necessary, always with the date clearly marked at the top. Significant changes will be communicated through email to enrolled students.
We encourage you to review this policy occasionally, especially before sharing new information with us.
Questions or Complaints?
If something about our privacy practices concerns you, we want to hear about it. Start by contacting us directly — most issues can be resolved through conversation.
If you're not satisfied with our response, you have the right to lodge a complaint with the Office of the Australian Information Commissioner (OAIC). Visit www.oaic.gov.au or call 1300 363 992.
Get in Touch About Privacy
We're here to answer questions about how we handle your information. Reach out through any of these channels:
When contacting us about privacy matters, please include "Privacy Inquiry" in your subject line so we can direct your message to the right person quickly.