Information We Collect

At kalvenoruthi, we collect various types of information to provide you with comprehensive financial awareness services. Our collection practices are designed to enhance your learning experience while maintaining strict compliance with the Australian Privacy Act 1988 and the Privacy Amendment (Notifiable Data Breaches) Act 2017.

We collect this information through various channels including our website forms, course enrollment processes, and automated tracking technologies. All data collection is transparent, and we never collect information without proper disclosure.

How We Use Your Information

Your information serves multiple purposes in delivering quality financial education services. We use collected data to personalize your learning experience, track educational progress, and provide targeted support when needed.

Specifically, we process your information to enroll you in courses, send educational materials, process payments, and communicate important updates about our services. We also analyze usage patterns to improve our platform functionality and develop new educational content that better serves our Australian community.

Your Privacy Rights Under Australian Law

Under Australian privacy legislation, you possess several fundamental rights regarding your personal information. These rights are protected by law and can be exercised at any time through our established procedures.

To exercise these rights, contact our privacy officer using the details provided below. We respond to all privacy requests within 30 days as required by Australian law.

Data Security and Protection

kalvenoruthi employs comprehensive security measures to protect your personal information from unauthorized access, disclosure, or misuse. Our security framework includes both technical and administrative safeguards designed to meet Australian privacy standards.

We use industry-standard encryption for data transmission and storage, implement regular security audits, and maintain strict access controls for our systems. All staff members undergo privacy training and are bound by confidentiality agreements.

In the unlikely event of a data breach that may cause serious harm, we will notify affected individuals and the Office of the Australian Information Commissioner within 72 hours, as required by Australian notifiable data breach laws.

Data Sharing and Third Parties

We maintain strict controls over information sharing and only engage with third parties who demonstrate appropriate privacy protections. Our sharing practices are limited to specific circumstances that directly support your educational experience.

All third-party partners are required to sign data processing agreements that ensure your information receives the same level of protection as outlined in this policy. We never sell personal information to marketing companies or data brokers.

Data Retention and Deletion

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this policy or as required by Australian law. Different types of information have varying retention periods based on legal requirements and business needs.

Educational records are typically retained for seven years after course completion to support transcript requests and continuing education verification. Financial transaction records are kept for seven years to comply with Australian taxation laws. Marketing communications data is deleted within two years of your last interaction with our services.

Upon request, we can delete your information earlier than these standard retention periods, provided there are no legal obligations requiring longer retention. Deleted information is permanently removed from our active systems within 90 days of the deletion request.

International Data Transfers

While kalvenoruthi primarily operates within Australia, some of our technology partners may process data in other countries. When international transfers occur, we ensure appropriate safeguards are in place to protect your information according to Australian privacy standards.

You will be notified of any significant changes to our international data transfer practices, and you have the right to object to transfers that may not meet Australian privacy standards.

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance your browsing experience and provide personalized educational content. We use both essential cookies required for website functionality and optional cookies for analytics and personalization.

Essential cookies enable core features like secure login, course progress tracking, and shopping cart functionality. Analytics cookies help us understand how users interact with our platform, allowing us to improve educational content and user experience. You can control cookie preferences through your browser settings.

We provide clear cookie consent options that allow you to accept or decline non-essential cookies. Our cookie policy is regularly updated to reflect changes in technology and privacy regulations.

Changes to This Privacy Policy

This privacy policy may be updated periodically to reflect changes in our practices, technology, or legal requirements. Significant changes will be communicated to users through email notifications and prominent website notices.

Minor updates that don't materially affect your privacy rights will be posted on this page with an updated effective date. We encourage you to review this policy periodically to stay informed about how we protect your information.

Continued use of our services after policy updates constitutes acceptance of the revised terms, though you always retain the right to discontinue services if you disagree with changes.