What Information We Collect

When you use our financial education services, we gather information that helps us provide a better experience. Here's what that includes:

Information You Give Us Directly

• Your name, email address, and phone number when you sign up or contact us
• Postal address when you enrol in learning programs or request materials
• Payment details when you purchase courses or materials (processed securely through our payment provider)
• Learning preferences and goals you share to help us personalise your experience
• Feedback, questions, and messages you send through our contact forms or support channels

Information We Collect Automatically

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

• Device type, browser, and operating system details
• IP address and general location (city or region level, not precise)
• Pages you visit, how long you stay, and what you click on
• Date and time of your visits
• Referring website (where you came from before reaching us)

Cookies and Similar Technologies

We use cookies to remember your preferences and understand how people use our site. You can control cookies through your browser settings, though some features might not work properly if you disable them. We use:

• Essential cookies that make the site function properly
• Preference cookies that remember your choices
• Analytics cookies that help us improve the site experience

How We Use Your Information

Everything we collect serves a purpose. We don't gather data just for the sake of it. Here's what we actually do with your information:

• Processing payments and maintaining transaction records
• Sending important updates about courses you're enrolled in or materials you've purchased
• Customising learning recommendations based on your interests and progress
• Improving our content and teaching methods based on how people engage with materials
• Responding to support requests and resolving technical issues
• Detecting and preventing fraud or unauthorised access to accounts
• Complying with legal obligations and responding to lawful requests

Marketing Communications

We'll send you information about new courses, resources, or updates if you've opted in. You can unsubscribe anytime using the link in any email we send. Even if you opt out of marketing, we'll still send essential messages about your account or courses.

Sharing Your Information

We don't sell your data. Full stop. But we do work with some third parties who help us run things smoothly:

Service Providers

These are companies that help us deliver our services. They only access what they need and are bound by confidentiality agreements:

• Payment processors who handle transactions securely
• Email service providers who help us send course updates and materials
• Cloud hosting services where we store data securely
• Analytics tools that help us understand site usage (with anonymised data where possible)
• Customer support platforms that help us respond to your questions efficiently

Legal Requirements

Sometimes we're legally required to share information - like responding to valid court orders, protecting against fraud, or enforcing our terms of service. We'll only do this when legally necessary.

Business Transfers

If carenquivos is involved in a merger, acquisition, or sale of assets, your information might be transferred. We'd notify you before this happens and any new entity would need to honour this privacy policy.

Your Rights and Choices

Under Australian privacy law, you have several rights regarding your personal information. Here's what you can do and how to do it:

Access Your Information

You can request a copy of the personal data we hold about you. We'll provide this within 30 days, usually in a standard digital format. There's no fee for reasonable requests.

Correct or Update Information

If your details change or you spot an error, let us know. You can update most information directly in your account settings, or contact us for help with changes.

Delete Your Information

You can request deletion of your account and associated data. We'll process this within 30 days, though we might need to keep some records for legal or accounting purposes (like transaction history for tax compliance).

Object to Processing

You can ask us to stop processing your data for specific purposes, like marketing. We'll respect your request unless we have legitimate grounds to continue (such as fulfilling a contract you've entered into).

Data Security and Protection

We take security seriously. Your information is protected through multiple layers:

• Encryption in transit using industry-standard TLS protocols
• Encrypted storage for sensitive data like payment information
• Regular security audits and vulnerability assessments
• Access controls limiting who can view personal information
• Employee training on data protection and privacy practices
• Secure data centres with physical and digital security measures
• Regular backups to prevent data loss

While we implement strong safeguards, no system is completely secure. If we experience a data breach affecting your information, we'll notify you and the relevant authorities as required by Australian law.

Data Retention

We keep your information only as long as necessary. Here's our general approach:

Active Accounts

While your account is active, we maintain your information to provide ongoing services. This includes learning progress, course enrolments, and account preferences.

Inactive Accounts

If you haven't logged in for three years, we'll send a reminder email. Without response, we may delete non-essential data while keeping basic records for legal compliance.

Financial Records

Transaction records are kept for seven years to comply with Australian tax laws. This includes purchase history and payment information.

Marketing Data

If you unsubscribe from marketing, we'll stop promotional emails immediately but keep a record that you opted out (so we don't accidentally contact you again).

International Data Transfers

Our services are primarily for the Australian market, but some of our service providers operate globally. When data is transferred outside Australia, we ensure it's protected through:

• Contracts requiring overseas providers to meet Australian privacy standards
• Use of providers in countries with adequate privacy protections
• Technical safeguards like encryption during transfer

Most of our infrastructure is hosted in Australia or with providers maintaining Australian data centres.

Children's Privacy

Our services are designed for adults. We don't knowingly collect information from anyone under 18 without parental consent. If you're under 18 and interested in our programs, please have a parent or guardian contact us first.

If we discover we've accidentally collected information from someone under 18 without proper consent, we'll delete it promptly.

Changes to This Policy

We update this policy occasionally as our services evolve or laws change. When we make significant changes, we'll notify you by email (if you have an account) and post a notice on our website.

The "Last Updated" date at the top shows when we last modified this policy. Continued use of our services after changes means you accept the updated terms.

Third-Party Links

Our site might link to external resources or articles that could be helpful for your financial education. We don't control these sites and aren't responsible for their privacy practices. When you click through to another site, their own privacy policy applies.

Complaints and Disputes

If you're unhappy with how we've handled your information, please tell us first. We'll investigate and respond within 30 days.

If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC). Their website is oaic.gov.au and they can be reached at 1300 363 992.