Privacy Policy

Your privacy matters to us. We're committed to protecting your personal information and being transparent about how we use it.

Last Updated: March 15, 2025

Information We Collect

caloryniva collects information to provide better financial education services and improve your budgeting experience. We gather data through various touchpoints during your interaction with our platform.

Personal Information You Provide

  • Name, email address, and contact details when you register for our learning programs
  • Financial goals and budgeting preferences you share during consultations
  • Payment information when enrolling in our educational courses
  • Feedback and communications you send to our support team

Automatically Collected Data

  • Website usage patterns and page interactions through analytics tools
  • Device information including browser type and operating system
  • IP address and general location data for security purposes
  • Session duration and learning module completion rates

How We Use Your Information

We use collected information primarily to deliver educational content and support your financial learning journey. Every piece of data serves a specific purpose in improving your experience.

Purpose Data Used Legal Basis
Course delivery and progress tracking Account details, learning preferences Contract performance
Personalized budgeting recommendations Financial goals, activity patterns Legitimate interest
Customer support and communication Contact information, inquiry history Contract performance
Website security and fraud prevention IP address, device information Legitimate interest

Information Sharing and Disclosure

caloryniva takes a conservative approach to sharing your data. We only work with trusted partners who help us deliver our educational services, and we never sell your personal information.

Third-Party Services We Use:
  • Payment processors for secure transaction handling (Stripe, PayPal)
  • Email service providers for course communications (Mailchimp)
  • Analytics tools for website improvement (Google Analytics with IP anonymization)
  • Learning management systems for content delivery

Legal Disclosures

We may disclose personal information when required by Australian law or to protect our legitimate business interests. This includes compliance with court orders, regulatory investigations, or protecting against fraud and security threats.

Your Privacy Rights Under Australian Law

Under the Privacy Act 1988 (Australia), you have specific rights regarding your personal information. We've designed straightforward processes to help you exercise these rights.

Access Your Data

Request a copy of personal information we hold about you. We'll provide this within 30 days, usually in a downloadable format.

Correct Information

Update or correct any inaccurate personal details through your account dashboard or by contacting our support team.

Delete Your Account

Request complete deletion of your account and associated data. Some information may be retained for legal compliance.

Restrict Processing

Limit how we use your information while maintaining essential account functions and legal obligations.

How to Exercise Your Rights

Send your request to help@caloryniva.com with "Privacy Request" in the subject line. Include your full name, email address, and specific details about what you'd like us to do. We'll respond within 30 days and may need to verify your identity before processing certain requests.

Data Security and Protection

Protecting your financial information is crucial to our educational mission. We've implemented multiple layers of security to safeguard your data against unauthorized access and potential breaches.

Technical Security Measures

  • SSL/TLS encryption for all data transmission between your browser and our servers
  • Regular security audits and penetration testing by third-party specialists
  • Secure cloud hosting with automated backups and disaster recovery protocols
  • Multi-factor authentication for administrative access to sensitive systems
  • Regular software updates and security patch management

Organizational Security

  • Staff privacy training and confidentiality agreements for all team members
  • Limited access controls ensuring only authorized personnel handle your data
  • Incident response procedures for potential security breaches
  • Regular review of data handling practices and security policies

Data Retention and Deletion

We keep your information only as long as necessary to provide educational services and meet legal requirements. Different types of data have different retention periods based on their purpose.

Data Type Retention Period Reason
Account and profile information Until account deletion Service provision
Course progress and completion records 3 years after completion Educational certification
Payment and billing records 7 years Australian tax law compliance
Website analytics data 26 months Performance optimization
Support communications 2 years Service improvement

Automatic Deletion: Our systems automatically remove expired data according to these schedules. You can request earlier deletion for most data types, though some records must be retained for legal compliance.

International Data Transfers

While caloryniva operates primarily within Australia, some of our service providers may process data internationally. We ensure appropriate safeguards are in place for any cross-border data transfers.

Transfer Safeguards

  • All international partners maintain equivalent privacy protections to Australian standards
  • Data processing agreements include specific privacy and security requirements
  • Regular audits ensure ongoing compliance with transfer obligations
  • Right to opt-out of international processing where technically feasible

Countries where data may be processed include the United States (for cloud hosting services) and the European Union (for analytics processing). These transfers occur under approved frameworks that ensure your data receives adequate protection.

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to improve your experience and understand how our educational content performs. You have control over most of these technologies.

Essential Cookies

These cookies are necessary for basic website functionality, including user authentication, security features, and remembering your preferences during your visit. These cannot be disabled without affecting site functionality.

Analytics and Performance

We use Google Analytics with IP anonymization to understand which educational content resonates most with our audience. This helps us improve our courses and identify areas where students might need additional support.

Managing Cookie Preferences

You can control cookie settings through your browser preferences or our cookie consent banner. Disabling certain cookies may limit some website features but won't prevent access to our core educational content.

Children's Privacy

caloryniva's educational services are designed for adults managing their personal finances. We do not knowingly collect personal information from individuals under 18 years of age.

If you believe we have inadvertently collected information from someone under 18, please contact us immediately at help@caloryniva.com. We will promptly investigate and delete any such information from our systems.

Parents or guardians interested in financial education resources for younger family members can contact us for guidance on age-appropriate budgeting resources and family financial planning materials.

Changes to This Privacy Policy

We review this privacy policy regularly and update it as our educational services evolve or privacy laws change. Significant changes will be communicated clearly to give you time to understand new practices.

How We Notify You

  • Email notifications for material changes affecting your rights
  • Prominent website notices for policy updates
  • In-app notifications for changes affecting current students
  • 30-day advance notice for significant changes where possible

Continued use of our services after policy changes indicates acceptance of the updated terms. If you disagree with changes, you can close your account or contact us to discuss your concerns.

Questions About Your Privacy

Our team is here to help with any privacy-related questions or concerns. We aim to respond to all inquiries within 48 hours during business days.

Email: help@caloryniva.com
Phone: +61 2 6176 3499
Mail: 21 Prescott St, Farrer ACT 2607, Australia

Privacy Officer: For complex privacy matters or formal complaints, you can contact our dedicated Privacy Officer who will ensure your concerns receive appropriate attention and resolution.