Privacy Policy

1. Introduction and Overview

At Skill Beam, we understand that your privacy matters deeply to you - and it matters to us too. This policy explains how we collect, use, protect, and share your personal information when you use our real estate investment education platform. We're committed to being transparent about our practices and giving you control over your data.

This privacy policy applies to all services offered by Skill Beam through our website at Nimbavance.com, including our learning programs, technical resources, and any communication channels we maintain. By using our platform, you're agreeing to the practices described in this policy.

2. Information We Collect

Personal Information You Provide

When you create an account or contact us, we collect information that you voluntarily provide. This helps us deliver personalized educational experiences and respond to your questions effectively.

Technical Information We Collect Automatically

Like most websites, we automatically collect certain technical information to understand how our platform is being used and to improve the user experience. This information is typically anonymous and helps us maintain and enhance our services.

• Device information including browser type, operating system, and screen resolution
• Usage patterns such as pages visited, time spent on different sections, and course progress
• IP address and general location information (country/city level only)
• Referral sources that brought you to our website
• Performance data to identify and fix technical issues

3. How We Use Your Information

We use your personal information to provide you with high-quality educational experiences and to continuously improve our platform. Here's how we put your data to work:

Educational Service Delivery

Your information helps us deliver personalized learning experiences. We track your progress through courses, suggest relevant materials based on your interests, and adapt content to match your learning style. This ensures you get the most value from our real estate investment education programs.

Communication and Support

We use your contact information to send important updates about your courses, respond to your questions, and provide technical support when needed. You'll also receive occasional educational content and platform updates that we think might interest you - but you can opt out of these at any time.

Platform Improvement and Analytics

Technical data helps us understand which parts of our platform work well and which need improvement. We analyze usage patterns to identify popular content, fix technical issues quickly, and develop new features that our users actually want. This data is typically aggregated and anonymized.

Legal and Security Purposes

Sometimes we need to use your information to protect our platform and users, comply with legal requirements, or investigate potential security issues. We only do this when necessary and in accordance with applicable laws.

4. Information Sharing and Disclosure

We don't sell your personal information, period. However, there are specific situations where we may share your data with trusted partners or as required by law. We're committed to being transparent about when and why this happens.

Service Providers and Partners

We work with carefully selected third-party services to deliver our educational platform effectively. These might include payment processors, email delivery services, hosting providers, and analytics tools. All our partners are contractually required to protect your data and use it only for the specific services they provide to us.

Legal Requirements

We may disclose your information if required by law, court order, or government regulation. We'll also share information if we believe it's necessary to protect the safety of our users, investigate fraud, or defend our legal rights. In such cases, we'll make reasonable efforts to notify you unless prohibited by law.

Business Transfers

If Skill Beam is acquired, merged, or undergoes a similar business transaction, your personal information may be transferred to the new organization. We'll notify you of any such change and ensure the new entity continues to respect your privacy preferences.

5. Data Security and Protection

Protecting your personal information is a top priority for us. We've implemented multiple layers of security to safeguard your data against unauthorized access, theft, or misuse. While no system can be 100% secure, we continuously update our security practices to stay ahead of potential threats.

Technical Safeguards

• SSL encryption for all data transmission between your device and our servers
• Regular security audits and vulnerability assessments of our systems
• Secure data centers with physical access controls and environmental monitoring
• Multi-factor authentication for administrative access to user data
• Regular backups stored in geographically separate, secure locations

Organizational Measures

Our team receives regular training on data protection best practices. Access to personal information is limited to employees who need it to perform their job functions, and all staff sign confidentiality agreements. We maintain detailed logs of who accesses what data and when.

Incident Response

In the unlikely event of a security breach affecting your personal information, we'll notify you promptly and provide clear information about what happened, what data was involved, and what steps we're taking to address the situation. We'll also report significant breaches to relevant authorities as required by law.

6. Your Privacy Rights and Choices

How to Exercise Your Rights

To make any privacy-related requests or ask questions about your data, simply contact us using the information provided at the end of this policy. We'll verify your identity and process your request promptly. There's no charge for most requests, though we may charge a reasonable fee for excessive or repeated requests.

7. Data Retention and Deletion

We don't keep your personal information longer than necessary. Our retention periods depend on the type of information and why we collected it, but we regularly review and delete data that's no longer needed.

Active Account Data

While your account is active, we retain your profile information, course progress, and communication history to provide ongoing service. This data is regularly updated and remains accessible to you through your account dashboard.

Inactive Accounts

If you haven't used your account for 3 years, we'll send you a reminder email asking if you'd like to keep it active. If we don't hear from you within 6 months, we'll begin the process of deleting your personal information, though we may retain some anonymized data for research and improvement purposes.

Legal and Business Records

Some information may be retained longer for legal compliance, tax purposes, or to resolve disputes. For example, payment records are typically kept for 7 years to comply with Australian tax requirements. We only retain the minimum necessary information for these purposes.

8. International Data Transfers

Skill Beam operates primarily in Australia, but some of our service providers and technology partners are located in other countries. When we transfer your personal information internationally, we ensure it receives the same level of protection as it would in Australia.

We use various safeguards for international transfers, including standard contractual clauses approved by data protection authorities, adequacy decisions, and certification schemes. We only work with partners who demonstrate strong privacy and security practices.

If you have questions about where your data is processed or what safeguards are in place, please contact us for more specific information about our current arrangements.

9. Children's Privacy

Our platform is designed for adults interested in real estate investment education. We don't knowingly collect personal information from children under 16 years of age. If you're under 16, please don't create an account or provide any personal information through our services.

If we become aware that we've collected personal information from a child under 16, we'll take steps to delete that information promptly. Parents or guardians who believe their child has provided us with personal information should contact us immediately.

10. Changes to This Privacy Policy

We update this privacy policy occasionally to reflect changes in our practices, technology, legal requirements, or other factors. When we make significant changes, we'll notify you by email or through a prominent notice on our platform before the changes take effect.

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

Your continued use of our services after policy changes indicates your acceptance of the updated terms. If you don't agree with changes, you can close your account or contact us to discuss your concerns.

11. Contact Information

Our privacy team typically responds to inquiries within 2-3 business days. For urgent privacy concerns, please call our support line directly. We're committed to addressing your privacy questions and requests promptly and thoroughly.

If you're not satisfied with our response to a privacy concern, you also have the right to lodge a complaint with the Australian Privacy Commissioner through the Office of the Australian Information Commissioner (OAIC) website at oaic.gov.au.