Privacy Policy

This Privacy Policy was last updated on 15 January 2025 and governs the privacy practices of celunovarith Pty Ltd (ABN 42 123 456 789) in relation to our personal finance education platform and related services.

Information We Collect

Personal Information

When you use our services, we may collect various types of personal information to provide you with the best possible learning experience. This includes information you provide directly to us and information we collect automatically through your interactions with our platform.

• Contact details including your name, email address, phone number, and postal address when you register for our programs or contact us
• Educational background and financial literacy level to tailor our content to your learning needs
• Payment information including credit card details and billing address when you purchase our courses
• Learning preferences and goals to personalise your educational journey
• Technical information such as IP address, browser type, device information, and usage patterns

Automatically Collected Information

Our platform automatically collects certain information to improve functionality and user experience. This includes technical data about your device, browsing patterns, and interaction with our educational content. We use cookies and similar technologies to gather this information, which helps us understand how our platform is used and identify areas for improvement.

How We Use Your Information

We use the information we collect for legitimate business purposes related to providing and improving our financial education services. Our primary goal is to deliver valuable educational content and maintain a secure, user-friendly platform.

• Delivering personalised learning experiences based on your educational goals and current knowledge level
• Processing payments and managing your account access to purchased courses and materials
• Communicating important updates about our services, new educational content, and policy changes
• Improving our platform functionality and developing new educational resources
• Ensuring platform security and preventing unauthorised access or fraudulent activities
• Complying with legal obligations under Australian financial services and privacy legislation

Marketing Communications

We may send you information about new courses, educational resources, and updates to our platform. These communications are designed to enhance your learning experience and keep you informed about opportunities that align with your interests. You can opt out of marketing communications at any time using the unsubscribe link in our emails or by contacting us directly.

Information Sharing and Disclosure

We don't sell your personal information to third parties. However, we may share certain information in specific circumstances to provide our services effectively and comply with legal requirements.

Your Privacy Rights

Under the Australian Privacy Act 1988, you have several rights regarding your personal information. We're committed to making it easy for you to exercise these rights and maintain control over your data.

Access and Correction

You have the right to access the personal information we hold about you and request corrections if you believe any information is inaccurate, incomplete, or out of date. We'll respond to your request within 30 days and provide the information in a readily accessible format.

• Request a copy of all personal information we hold about you
• Update your contact details and learning preferences through your account dashboard
• Correct any inaccurate information in our records
• Request deletion of your account and associated personal data
• Withdraw consent for marketing communications at any time

Data Portability

If you decide to transfer your learning journey to another platform, we can provide your personal information in a structured, commonly used format. This includes your course progress, learning preferences, and contact details, subject to technical feasibility and security considerations.

Data Security and Retention

We implement robust security measures to protect your personal information from unauthorised access, alteration, disclosure, or destruction. Our security practices include encryption of sensitive data, regular security audits, and staff training on privacy protection.

Security Measures

Our platform uses industry-standard security protocols including SSL encryption for data transmission, secure server hosting in Australia, and regular security updates. We restrict access to personal information to authorised personnel who need it to perform their job functions.

Data Retention

We retain personal information for as long as necessary to provide our services and comply with legal obligations. Generally, this means we keep your account information while you're an active user and for seven years after account closure for financial record-keeping purposes. Course progress and learning data may be retained longer to improve our educational offerings, but in anonymised form.

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance your browsing experience, remember your preferences, and analyse how our platform is used. Most web browsers accept cookies automatically, but you can modify your browser settings to decline cookies if you prefer.

• Essential cookies that enable basic website functionality and security
• Performance cookies that help us understand how users interact with our platform
• Functionality cookies that remember your preferences and personalise your experience
• Analytics cookies that provide insights into user behaviour and help improve our services

International Data Transfers

While we primarily store and process data within Australia, some of our service providers may be located overseas. When we transfer personal information internationally, we ensure appropriate safeguards are in place to protect your privacy in accordance with Australian privacy law.

Countries where your data may be processed include the United States for cloud hosting services and the United Kingdom for email delivery systems. We only work with providers who demonstrate strong privacy protections and comply with international privacy standards.

Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. When we make significant changes, we'll notify you by email and display a notice on our website. The updated policy will be effective from the date specified in the notice.

We encourage you to review this policy periodically to stay informed about how we protect your privacy. Your continued use of our services after any changes indicates your acceptance of the updated policy.

Complaints Process

If you have concerns about how we've handled your personal information, we encourage you to contact us first so we can work together to resolve the issue. Our privacy team investigates all complaints thoroughly and responds within 30 days.

If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC). The OAIC provides an independent review process for privacy complaints and can be contacted at www.oaic.gov.au or 1300 363 992.