Privacy Policy

We collect several types of information to provide and improve our educational services. This includes information you provide directly, data collected automatically through your use of our platform, and information from third-party sources when applicable.

Information You Provide Directly

• Contact details including your full name, email address, phone number, and postal address when you register for programs or request information
• Professional background information such as current role, education level, and areas of financial interest
• Payment information including billing address and transaction details (note that credit card data is processed by our secure payment providers)
• Communication preferences and any correspondence you send to us through email, contact forms, or support channels
• Feedback, testimonials, and reviews you choose to submit about our programs

Automatically Collected Information

• Technical data including IP address, browser type, operating system, and device identifiers
• Usage patterns such as pages visited, time spent on our site, navigation paths, and interaction with educational content
• Cookie data and similar tracking technologies that help us understand how you use our platform
• Referral sources that show how you found our website

The information we collect serves specific purposes related to delivering quality educational experiences and maintaining our platform. We don't sell your personal data to third parties.

Under the Privacy Act 1988 and the Australian Privacy Principles (APPs), we process your personal information based on the following legal grounds:

• Consent: When you voluntarily provide information and agree to its use for specific purposes
• Contractual Necessity: When processing is required to deliver the educational services you've enrolled in
• Legal Obligations: When we must process data to comply with Australian laws and regulations
• Legitimate Interests: When processing benefits both you and our organization, such as improving our educational offerings

We ensure that any processing under legitimate interests doesn't override your fundamental rights and freedoms.

We share your information only when necessary for service delivery or when required by law. Here's who might receive your data:

Service Providers

We work with trusted third-party providers who help us operate our platform. These include:

• Cloud hosting services that store our website and educational content
• Payment processors who handle financial transactions securely
• Email service providers for communication management
• Analytics platforms that help us understand platform usage
• Customer support tools that enable us to assist you effectively

All service providers are bound by confidentiality agreements and can only use your data for the specific services they provide to us.

Legal Requirements

We may disclose information when required by Australian law, court orders, or government requests. This includes situations where disclosure is necessary to protect our rights or the safety of our users.

Business Transfers

If calorivenq undergoes a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We'll notify you of any such change.

We take data protection seriously and implement multiple layers of security to safeguard your information:

• SSL/TLS encryption for all data transmitted between your browser and our servers
• Encrypted storage of sensitive personal information in secure databases
• Regular security assessments and vulnerability testing
• Strict access controls ensuring only authorized personnel can access your data
• Secure backup systems to prevent data loss
• Employee training on data protection and privacy practices

While we implement strong security measures, no system is completely immune to threats. We encourage you to use strong passwords and keep your login credentials confidential.

Under Australian privacy law, you have several rights regarding your personal information. We respect these rights and provide straightforward ways to exercise them.

Our website uses cookies and similar technologies to enhance your experience and understand how you interact with our content.

Types of Cookies We Use

• Essential Cookies: Required for basic website functionality, including login systems and secure access to your account
  • Session management cookies
  • Security authentication tokens
  • Load balancing cookies
• Analytics Cookies: Help us understand usage patterns and improve our platform
  • Page view tracking
  • User journey analysis
  • Performance monitoring
• Preference Cookies: Remember your settings and choices for a better experience
  • Language preferences
  • Display settings
  • Custom configurations
• Marketing Cookies: Used to deliver relevant content and measure campaign effectiveness
  • Conversion tracking
  • Remarketing pixels
  • Content personalization

You can control cookies through your browser settings. Most browsers allow you to refuse cookies or delete existing ones. Keep in mind that blocking certain cookies may affect website functionality.

We retain your personal information only as long as necessary for the purposes outlined in this policy or as required by law.

When retention periods expire, we securely delete or anonymize your information. You can request earlier deletion subject to legal obligations.

While calorivenq primarily operates within Australia, some of our service providers may be located overseas. When we transfer your information internationally, we ensure appropriate safeguards are in place.

• We only use providers in countries with adequate privacy protections or who have committed to meeting Australian privacy standards
• Data processing agreements include specific clauses protecting your information
• We regularly review international providers to ensure ongoing compliance
• You have the right to request information about where your data is stored and processed

Our services are designed for adults and professionals seeking advanced financial education. We do not knowingly collect information from individuals under 18 years of age.

If you're under 18, you should not provide personal information through our website. Parents or guardians who believe we may have inadvertently collected information from a minor should contact us immediately at support@calorivenq.com so we can remove the data.

In rare cases where younger individuals participate in our programs with parental consent, we apply additional protections and ensure guardians have full control over the information.

We review and update this privacy policy periodically to reflect changes in our practices, technology, legal requirements, or business operations.

When we make significant changes, we'll notify you through email (if we have your email address) or by displaying a prominent notice on our website. We encourage you to review this policy regularly to stay informed about how we protect your information.

The "Last Updated" date at the top of this page indicates when the most recent changes were made. Your continued use of our services after policy changes indicates your acceptance of the updated terms.

Our website may contain links to external sites, resources, or partner organizations. This privacy policy applies only to calorivenq's website and services.

We're not responsible for the privacy practices of third-party websites. When you leave our site, we encourage you to review the privacy policies of any external sites you visit. Different organizations have different approaches to data collection and use.

We try to link only to reputable sources, but we can't guarantee the privacy practices of external sites.

If you believe we've mishandled your personal information or violated your privacy rights, we want to hear from you.

Internal Complaint Process

• Contact our privacy officer at support@calorivenq.com with details of your concern
• We'll acknowledge your complaint within 7 business days
• We'll investigate the matter thoroughly and respond within 30 days
• If we need additional time, we'll explain why and provide an expected resolution date

External Complaint Options

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):

• Online: www.oaic.gov.au
• Phone: 1300 363 992
• Mail: GPO Box 5218, Sydney NSW 2001