Privacy Policy
Our Commitment to Your Privacy
At caxivaletir, we understand that trust forms the foundation of every meaningful financial planning relationship. When you share your personal information with us, you're placing confidence in our ability to protect and respect that data.
This privacy policy explains how we collect, use, store, and protect your personal information in accordance with Australian Privacy Principles under the Privacy Act 1988 (Cth) and other applicable privacy laws. We believe transparency about our data practices helps you make informed decisions about your financial education journey with us.
Our approach to privacy isn't just about legal compliance — it reflects our broader commitment to treating every client relationship with the care and respect it deserves. We've structured our data practices around the principle that your information should only be used in ways that genuinely benefit your financial education and planning goals.
Information We Collect
We collect different types of information depending on how you interact with our financial planning education services. Understanding what we collect and why helps you make informed choices about sharing information with us.
Personal Details
Name, email address, phone number, and postal address when you inquire about our programs or enroll in courses. We need this information to communicate with you and provide our educational services.
Financial Information
General financial goals and current knowledge level to help us recommend appropriate educational content. We don't collect specific account numbers or detailed financial statements.
Education History
Your progress through our programs, quiz results, and course completion status to track your learning journey and provide relevant support.
Website Usage
How you navigate our website, which pages you visit, and how long you spend on different sections. This helps us improve our content and user experience.
Information You Provide Directly
Most of the information we have about you comes directly from your interactions with us. This includes details you share when you contact us for information, register for our programs, participate in webinars, or communicate with our support team.
Information Collected Automatically
When you visit our website, we automatically collect certain technical information through cookies and similar technologies. This includes your IP address, browser type, device information, and pages visited. We use this information to ensure our website functions properly and to understand how people use our educational resources.
How We Use Your Information
We use your personal information exclusively for purposes related to providing and improving our financial education services. Every use of your data connects back to our core mission of helping Australians build stronger financial knowledge and planning skills.
- Delivering our educational programs and communicating important course information
- Providing personalized learning recommendations based on your progress and goals
- Responding to your questions and providing ongoing support throughout your learning journey
- Sending updates about new courses, resources, or program changes that might interest you
- Improving our educational content and website functionality based on how people use our services
- Meeting legal obligations related to educational service provision and consumer protection
- Protecting the security and integrity of our systems and preventing fraud or misuse
We don't use your information for purposes unrelated to our educational services, and we won't surprise you with unexpected uses of your data. If we ever want to use your information in ways not covered by this policy, we'll ask for your specific consent first.
Information Sharing and Disclosure
We don't sell, rent, or trade your personal information to third parties for their marketing purposes. When we do share information, it's always for specific purposes that support your educational experience or meet important legal requirements.
Service Providers
We work with trusted service providers who help us deliver our educational programs. These might include email communication platforms, learning management systems, payment processors, and website hosting services. These providers can only use your information for the specific services they provide to us, and they're required to protect your data according to our standards.
Legal Requirements
Sometimes we're legally required to disclose personal information, such as in response to court orders, law enforcement requests, or to comply with Australian consumer protection regulations. We carefully review any such requests and only provide the minimum information necessary to meet our legal obligations.
Business Transitions
If caxivaletir were ever acquired by another company or underwent significant restructuring, your personal information might be transferred as part of that process. In such situations, we'd ensure the new entity continues to protect your information according to the commitments made in this policy.
Your Privacy Rights
Australian privacy law gives you several important rights regarding your personal information. We've designed our processes to make exercising these rights as straightforward as possible.
Access Your Information
You can request a copy of the personal information we hold about you, including details about how we've used it.
Correct Your Information
If any of your personal information is inaccurate or outdated, you can ask us to correct it.
Delete Your Information
In certain circumstances, you can request that we delete your personal information from our systems.
Restrict Processing
You can ask us to limit how we use your information while we address any concerns you might have.
Data Portability
You can request your information in a format that allows you to transfer it to another service provider.
Withdraw Consent
Where we rely on your consent to process information, you can withdraw that consent at any time.
To exercise any of these rights, simply contact us using the details provided at the bottom of this policy. We'll respond to your request within 30 days and work with you to address any concerns about how we handle your personal information.
Data Security and Protection
Protecting your personal information is fundamental to maintaining the trust you place in us. We've implemented multiple layers of security to safeguard your data against unauthorized access, alteration, disclosure, or destruction.
Technical Safeguards
We use industry-standard encryption to protect data both when it's transmitted to us and when it's stored in our systems. Our website uses SSL certificates to secure communications, and we regularly update our security protocols to address emerging threats.
Administrative Controls
Only authorized caxivaletir team members have access to personal information, and only when necessary for their work responsibilities. Our staff receive regular training on privacy requirements and data handling best practices.
Physical Security
Our offices and any physical storage containing personal information are secured with appropriate access controls and monitoring systems.
While we implement strong security measures, no system can be 100% secure. If we ever experience a data breach that might affect your personal information, we'll notify you promptly and take immediate steps to address the situation and prevent future incidents.
Data Retention and Deletion
We only keep your personal information for as long as necessary to provide our educational services or meet legal requirements. Our retention periods vary depending on the type of information and how it's used.
Active Enrollment Period
While you're enrolled in our programs, we retain all information necessary to provide educational services and track your progress.
7 Years After Course Completion
We keep educational records and completion certificates to verify your credentials and provide ongoing support if needed.
3 Years for Marketing Communications
Contact information for newsletters and course updates is retained for three years after your last interaction with us.
Immediate Deletion Available
You can request immediate deletion of your information, except where we're required to keep records for legal or regulatory purposes.
When we delete your information, we remove it from our active systems and ensure it cannot be recovered. Some information may remain in backup systems for a limited time, but it's not accessible for normal business operations.
International Data Transfers
caxivaletir is based in Australia, and we primarily store and process your information within Australia using local service providers. However, some of our technology partners may process data in other countries with strong privacy protections.
When we do transfer information internationally, we ensure appropriate safeguards are in place. This includes working only with providers in countries with adequate privacy protections or requiring contractual commitments that meet Australian privacy standards.
We're transparent about these arrangements and can provide specific details about where your information is processed if you'd like to know more.
Cookies and Online Tracking
Our website uses cookies and similar technologies to provide a better user experience and understand how people use our educational resources. Most of these are essential for basic website functionality, while others help us improve our services.
Types of Cookies We Use
- Essential cookies that enable basic website functions like navigation and access to secure areas
- Performance cookies that help us understand how visitors interact with our website
- Functionality cookies that remember your preferences and enhance your experience
- Targeting cookies that help us provide relevant content and measure the effectiveness of our communications
You can control cookie settings through your browser, though disabling certain cookies might affect website functionality. We don't use cookies to track your activity across unrelated websites or build detailed profiles for purposes unrelated to our educational services.
Changes to This Policy
We review and update this privacy policy regularly to ensure it accurately reflects our practices and meets current legal requirements. When we make changes, we'll post the updated policy on our website and notify you if the changes significantly affect how we handle your information.
We encourage you to review this policy periodically, especially before sharing new information with us. The "Last Updated" date at the top of this policy shows when we last made changes.
If you have questions about policy changes or want to understand how they might affect your information, please don't hesitate to contact us.
Contact Us About Privacy
We're committed to addressing any questions or concerns you have about how we handle your personal information. Our team is here to help you understand our privacy practices and exercise your rights.
Privacy Officer
support@caxivaletir.com
Phone
+61 431 195 224
Postal Address
32 Carrington Rd
Reservoir VIC 3073
Australia
If you're not satisfied with our response to your privacy concern, you have the right to lodge a complaint with the Office of the Australian Information Commissioner at oaic.gov.au.