Privacy Policy
Last updated: March 2025
1. Overview
carenolivthaq Australia ("carenolivthaq", "we", "us", or "our") is committed to protecting your privacy and handling your personal information responsibly. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website carenolivthaq.com, use our financial analysis services, or engage with our educational programs.
This policy applies to all users of our services, including visitors to our website, registered users, course participants, and individuals who contact us for information about our advanced financial analysis techniques and learning programs.
We operate under Australian privacy laws, including the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs), ensuring your personal information receives comprehensive protection.
2. Information We Collect
| Information Type | Examples | Collection Method |
|---|---|---|
| Contact Details | Name, email, phone number, mailing address | Forms, registrations, direct contact |
| Educational Information | Course preferences, learning history, progress data | Learning management system, assessments |
| Technical Data | IP address, browser type, device information | Automatic collection via website |
| Financial Information | Payment details, billing address, transaction history | Payment processing, course enrollment |
| Communication Records | Emails, support tickets, feedback submissions | Direct communication with our team |
We collect information through various channels including website forms, course registrations, email communications, phone calls, and automated technologies like cookies and analytics tools. Some information is provided voluntarily when you interact with our services, while other data is collected automatically to enhance your user experience.
3. How We Use Your Information
- Service Delivery: Processing course enrollments, delivering educational content, providing access to learning materials, and facilitating communication with instructors and fellow students
- Customer Support: Responding to inquiries, resolving technical issues, providing assistance with course materials, and maintaining ongoing support relationships
- Communication: Sending course updates, educational newsletters, program announcements, and important service notifications that enhance your learning experience
- Improvement and Analytics: Analyzing usage patterns, measuring course effectiveness, identifying areas for content enhancement, and developing new educational offerings
- Legal Compliance: Meeting regulatory requirements, maintaining records as required by law, and ensuring compliance with educational standards and financial regulations
- Security and Fraud Prevention: Protecting our systems, preventing unauthorized access, detecting suspicious activities, and maintaining the integrity of our educational platform
Marketing Communications: We may use your information to inform you about new courses, advanced learning opportunities, and relevant financial education content. You can opt out of marketing communications at any time using the unsubscribe link in our emails or by contacting us directly.
4. 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:
All third-party service providers are carefully selected and required to maintain appropriate security measures and use your information only for the specific services they provide to us.
5. Your Rights and Choices
Under Australian privacy law, you have several important rights regarding your personal information:
Access and Portability
Request access to your personal information and receive a copy in a structured, commonly used format. We'll provide this information within 30 days of your request.
Correction and Updates
Request correction of inaccurate or incomplete personal information. You can also update your profile information directly through your account settings.
Erasure and Deletion
Request deletion of your personal information, subject to certain legal and contractual obligations. Some information may be retained for legitimate business purposes.
Processing Restrictions
Request limits on how we process your information, including opting out of marketing communications while maintaining access to educational services.
Objection Rights
Object to certain types of processing, particularly for marketing purposes. We'll respect your preferences while ensuring continued service delivery.
Complaint Resolution
Lodge complaints about our privacy practices with us directly or with the Australian Privacy Commissioner if you're not satisfied with our response.
To exercise any of these rights, contact our privacy team using the information provided below. We'll verify your identity and respond to your request within the timeframes required by law.
6. Data Security and Protection
We implement comprehensive security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction:
Technical Safeguards
While we implement robust security measures, no system is completely secure. We continuously monitor and improve our security practices and will notify you of any data breaches that may affect your personal information, as required by Australian law.
7. Data Retention and Deletion
We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected or as required by law:
Active Account Period
While your account is active and you're engaged with our services, we retain all necessary information to provide educational content, support, and account management.
Post-Course Completion (2 years)
Educational records and course completion data are retained for two years to provide certificates, transcripts, and ongoing support for completed programs.
Financial Records (7 years)
Payment and billing information is retained for seven years in accordance with Australian taxation and business record requirements.
Legal Requirements (Variable)
Some information may be retained longer if required by law, legal proceedings, or legitimate business interests, but we regularly review and delete unnecessary data.
Secure Deletion
When retention periods expire, data is securely deleted using industry-standard methods that prevent recovery or unauthorized access.
8. Cookies and Tracking Technologies
You can control cookies through your browser settings, but disabling certain cookies may affect your ability to use some website features. Most browsers allow you to view, manage, and delete cookies, and you can set preferences for future visits.
9. International Data Transfers
While carenolivthaq operates primarily within Australia, some of our service providers may be located internationally. When we transfer personal information outside Australia, we ensure appropriate safeguards are in place:
- Adequacy Decisions: Transfers to countries with adequate privacy protection as recognized by Australian privacy authorities
- Standard Contractual Clauses: Legal agreements that provide equivalent privacy protections when transferring data to countries without adequacy decisions
- Service Provider Agreements: Contracts requiring international providers to maintain Australian privacy standards and limit data use to specified purposes
- Encryption and Security: All international transfers use encryption and other security measures to protect data during transmission and storage
We regularly review our international transfer practices to ensure they meet evolving privacy requirements and provide maximum protection for your personal information.
10. Children's Privacy
Age Restrictions: Our services are designed for adults aged 18 and over. We do not knowingly collect personal information from children under 18 years of age.
If we become aware that we have collected personal information from a child under 18 without proper parental consent, we will take immediate steps to delete this information. Parents or guardians who believe we may have collected information about their child should contact us immediately.
For educational programs that may be suitable for older teenagers (16-17 years), we require explicit parental consent and implement additional privacy protections in accordance with Australian privacy laws regarding minors.
11. Changes to This Privacy Policy
We may update this Privacy Policy periodically to reflect changes in our practices, services, legal requirements, or other factors. When we make significant changes, we will:
- Post the updated policy on our website with a new "Last Updated" date
- Send email notifications to registered users about material changes
- Provide clear information about what has changed and how it affects you
- Give you reasonable time to review changes before they take effect
- Obtain additional consent if required by law for new uses of your information
We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information. Continued use of our services after policy updates constitutes acceptance of the revised terms.
Contact Us - Privacy Matters
45 Hunter St Newcastle NSW 2300, Australia
Phone: +61 2 6766 5644
Email: privacy@carenolivthaq.com
Privacy Officer available Monday-Friday, 9:00 AM - 5:00 PM AEDT
Effective Date: This Privacy Policy is effective as of March 2025 and governs all personal information collected through our website and services. Previous versions are archived and available upon request for reference purposes.
For questions about specific privacy practices, data handling procedures, or to exercise your privacy rights, please don't hesitate to contact our dedicated privacy team using the information provided above.