Privacy Overview
kalyxarivento (kalyxarivento.com) respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, use our financial education services, or engage with our business finance learning platform.
This policy applies to all users of our services in Australia and complies with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). We are committed to handling your personal information in accordance with Australian privacy laws.
By accessing our website or using our services, you acknowledge that you have read and understood this Privacy Policy and consent to the collection and use of your information as described herein.
Information We Collect
Personal Information
We collect personal information that you voluntarily provide to us when you register for our services, subscribe to our newsletter, or contact us directly. This information may include:
- Full name and contact details (email address, phone number, postal address)
- Professional information (job title, company name, industry sector)
- Educational background and learning preferences
- Financial experience level and learning objectives
- Payment information for course enrollment (processed securely through third-party providers)
- Communication preferences and subscription choices
Technical Information
When you visit our website, we automatically collect certain technical information through cookies and similar technologies:
- IP address and approximate geographic location
- Browser type, version, and operating system
- Pages visited, time spent on pages, and navigation patterns
- Referring website and search terms used
- Device information including screen resolution and language settings
How We Use Your Information
We use the information we collect for various legitimate business purposes, including:
Service Delivery
- Providing access to our financial education courses and learning materials
- Processing course enrollments and managing your learning progress
- Delivering personalized learning recommendations based on your interests
- Responding to your inquiries and providing customer support
Communication and Marketing
- Sending educational newsletters and course updates (with your consent)
- Informing you about new courses, webinars, and learning opportunities
- Conducting surveys to improve our services and gather feedback
- Providing important updates about policy changes or service modifications
Analytics and Improvement
We analyze usage patterns and learner behavior to enhance our educational content, improve website functionality, and develop new features that better serve our community of finance learners.
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 limited circumstances:
| Sharing Scenario | Purpose | Data Protection Measures |
|---|---|---|
| Service Providers | Payment processing, email delivery, web hosting | Contractual data protection agreements |
| Legal Requirements | Compliance with Australian law or court orders | Minimum necessary disclosure only |
| Business Transfer | Merger, acquisition, or sale of assets | Notification and consent requirements |
| Safety Protection | Protecting rights, property, or safety | Limited to necessary circumstances |
All third-party service providers we work with are required to maintain the confidentiality of your information and are prohibited from using your personal data for any purpose other than providing services to us.
Data Security and Protection
We implement comprehensive security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. Our security framework includes:
Technical Safeguards
- SSL/TLS encryption for all data transmission between your browser and our servers
- Secure data storage with encryption at rest for sensitive information
- Regular security audits and vulnerability assessments
- Firewall protection and intrusion detection systems
- Multi-factor authentication for administrative access
Administrative Safeguards
- Limited access to personal information on a need-to-know basis
- Regular privacy and security training for all staff members
- Incident response procedures for potential data breaches
- Regular review and updating of security policies and procedures
Despite our security measures, no method of transmission over the internet or electronic storage is completely secure. We cannot guarantee absolute security but are committed to protecting your information using industry-standard practices.
Your Privacy Rights
Under Australian privacy law, you have several important rights regarding your personal information:
Access and Correction
You have the right to access the personal information we hold about you and request corrections if the information is inaccurate, incomplete, or outdated. To exercise this right, contact us using the details provided in this policy.
Data Portability
You can request a copy of your personal information in a structured, commonly used format. This allows you to transfer your data to another service provider if you choose to do so.
Deletion and Restriction
You may request deletion of your personal information, subject to certain legal and business requirements. You can also request that we restrict processing of your data in specific circumstances.
Marketing Preferences
You can opt out of marketing communications at any time by using the unsubscribe link in our emails, updating your account preferences, or contacting us directly. This will not affect service-related communications necessary for course delivery.
To exercise any of these rights, please contact our Privacy Officer at info@kalyxarivento.com or write to us at the address provided below. We will respond to your request within 30 days of receipt.
Cookies and Tracking Technologies
Our website uses cookies and similar tracking technologies to enhance your browsing experience and provide personalized content. Here's how we use these technologies:
Essential Cookies
These cookies are necessary for the website to function properly. They enable basic functions like page navigation, access to secure areas, and remembering your login status. You cannot opt out of these cookies without affecting website functionality.
Performance and Analytics Cookies
We use analytics cookies to understand how visitors interact with our website. This information helps us improve our content and user experience. These cookies collect information anonymously and provide aggregated statistics.
Functional Cookies
These cookies remember your preferences and settings to provide enhanced functionality and personalization. They may be set by us or by third-party providers whose services we use on our pages.
Managing Cookie Preferences
You can control and manage cookies through your browser settings. Most browsers allow you to block or delete cookies, but this may impact your ability to use certain features of our website. You can find information about managing cookies in your browser's help section.
Data Retention and Deletion
We retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, comply with legal obligations, resolve disputes, and enforce our agreements.
| Data Type | Retention Period | Deletion Process |
|---|---|---|
| Account Information | Active account + 3 years | Secure deletion after retention period |
| Course Progress Data | 7 years (educational records) | Anonymized after primary retention |
| Marketing Communications | Until opt-out or 2 years inactive | Immediate removal upon request |
| Payment Information | 7 years (tax and accounting requirements) | Secure deletion in compliance with law |
| Website Analytics | 26 months | Automatic deletion by analytics provider |
When we delete your personal information, we use secure deletion methods to ensure the data cannot be recovered. Some information may be retained in anonymized form for statistical and research purposes.
International Data Transfers
Our services are primarily hosted in Australia, and we strive to keep your data within Australian jurisdictions where possible. However, some of our service providers may process data internationally.
Cross-Border Data Transfers
When we transfer personal information overseas, we ensure that the recipient country has adequate privacy protections or that appropriate safeguards are in place, such as:
- Contractual clauses that require equivalent privacy protection
- Transfers to countries with adequate privacy laws as recognized by Australian authorities
- Your explicit consent for specific international transfers
- Other legally approved transfer mechanisms
We will notify you if we plan to transfer your personal information to a country that does not have adequate privacy protections and will seek your consent where required by law.
Privacy Protection for Minors
Our services are designed for adults seeking business and financial education. We do not knowingly collect personal information from individuals under the age of 18 without parental consent.
If you are under 18 and wish to use our services, please ensure that a parent or guardian has reviewed this Privacy Policy and provided consent for your participation in our educational programs.
If we discover that we have inadvertently collected personal information from a minor without proper consent, we will take immediate steps to delete such information from our systems and prevent further collection.
Parents or guardians who believe their child has provided personal information to us without consent should contact us immediately so we can address the situation appropriately.
Privacy Policy Updates
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make significant changes, we will notify you through appropriate channels.
Notification Process
- Email notification to active users for material changes
- Prominent website notice for a minimum of 30 days
- Updated "last modified" date at the top of this policy
- In-app notifications for significant policy modifications
Your continued use of our services after we publish or send notice about changes to this Privacy Policy means that you consent to the updated policy. If you do not agree with the changes, you should discontinue use of our services and contact us to discuss your options.
We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information and your privacy rights.