Information We Collect

At carithenova, we collect information that helps us provide better budgeting education and personalised financial guidance. Here's what we gather and why:

Personal Information You Provide

• Name, email address, and phone number when you register for courses
• Financial goals and budgeting preferences you share during program enrolment
• Payment information for course fees (processed securely through third-party providers)
• Feedback and survey responses about your learning experience
• Communication preferences for course updates and educational content

Information Collected Automatically

• Website usage patterns, including pages visited and time spent learning
• Device information such as browser type, operating system, and IP address
• Course completion rates and engagement with educational materials
• Technical data to improve website performance and user experience

How We Use Your Information

Your information helps us create a better educational experience tailored to your financial learning goals:

• Delivering course materials and tracking your progress through our programs
• Sending course updates, schedule changes, and relevant financial education content
• Personalising your learning experience based on your stated budgeting goals
• Processing payments and managing your course enrolments securely
• Improving our educational content based on student feedback and engagement
• Providing customer support when you have questions about our programs
• Complying with legal obligations under Australian consumer protection laws

Marketing and Communications

We'll only send you marketing emails about new courses or financial education tips if you've opted in. You can unsubscribe at any time through the link in our emails or by contacting us directly.

Your Rights Under Australian Privacy Law

Under the Australian Privacy Principles, you have significant control over your personal information:

Data Sharing and Third Parties

We're selective about who we share your information with, and we never sell your data:

Service Providers We Work With

• Payment Processors: Secure handling of course fees through certified Australian payment providers
• Email Platform: Delivering course updates and educational content through our marketing system
• Learning Management System: Hosting course materials and tracking your educational progress
• Customer Support Tools: Managing inquiries and providing timely assistance

Legal Disclosure Requirements

We may disclose information when required by Australian law, court orders, or to protect our legitimate business interests. This includes cooperating with law enforcement or regulatory bodies when legally obligated.

If carithenova is ever sold or merged with another company, your information would transfer to the new owners under the same privacy protections outlined in this policy.

Data Security Measures

Protecting your information is a priority. Here's how we keep your data secure:

Technical Safeguards

• SSL encryption for all data transmission between your device and our servers
• Regular security updates and patches on all systems handling personal information
• Access controls ensuring only authorised staff can view your data
• Secure backup systems with encrypted storage for data protection
• Regular security audits and vulnerability assessments

Physical and Administrative Protection

• Restricted access to offices and server locations
• Staff training on privacy obligations and data handling procedures
• Incident response procedures for any potential security breaches
• Regular review and updating of security policies

While we implement robust security measures, no system is completely foolproof. We'll notify you promptly if any breach affects your personal information, as required under Australian privacy law.

Data Retention Periods

We keep your information only as long as necessary for educational purposes and legal compliance:

After these periods, we securely delete or anonymise your information. You can request earlier deletion of non-essential data by contacting us directly.

International Data Transfers

Your information is primarily stored and processed within Australia. However, some of our trusted service providers may store data overseas:

• Cloud Storage: Course materials hosted on servers in Australia and Singapore with equivalent privacy protections
• Email Services: Communication tools with data centres in Australia and the United States
• Payment Processing: Secure transaction processing through providers operating under Australian financial regulations

When we transfer data internationally, we ensure recipients provide adequate privacy protections through contractual obligations or certification under recognised privacy frameworks.

Cookies and Website Tracking

Our website uses cookies and similar technologies to improve your learning experience:

Essential Cookies

These enable basic website functionality like remembering your login status and course progress. You cannot opt out of essential cookies while using our platform.

Analytics Cookies

We use these to understand how students navigate our website and which course content is most helpful. This data helps us improve the learning experience for everyone.

Marketing Cookies

These track your interests to show relevant course recommendations and educational content. You can disable marketing cookies through your browser settings without affecting your ability to access courses.

Your browser settings allow you to control cookie preferences, though disabling certain cookies may limit website functionality.

Children's Privacy

Our budgeting courses are designed for adults aged 18 and over. We don't knowingly collect personal information from anyone under 18 years of age.

If you're a parent or guardian and believe your child has provided us with personal information, please contact us immediately. We'll promptly delete any such information from our systems.

For families wanting to teach budgeting skills to younger members, we recommend parental supervision and involvement in any educational activities.

Changes to This Privacy Policy

We review and update this privacy policy annually or when significant changes occur in our data practices. Here's how we'll keep you informed:

• Email notification to current students about material changes
• Prominent notice on our website highlighting policy updates
• Clear date stamps showing when changes were made
• Summary of key changes in plain language

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