Information We Collect

Personal Details You Provide

When you sign up for our learning programs or contact us, we collect basic information like your name, email address, phone number, and postal address. If you're enrolling in paid courses, we'll also need payment details.

Learning Activity Data

We track your progress through our educational materials. This includes which modules you've completed, quiz results, and time spent on different topics. This helps us understand what's working and what needs improvement.

Technical Information

Like most websites, we automatically collect some technical data. This includes your IP address, browser type, operating system, and how you navigate through our site. We use this to keep the platform running smoothly and to spot any security issues.

How We Use Your Information

We don't sell your personal information. Period. Here's what we actually do with it:

• Deliver the educational content and services you've signed up for
• Send you important updates about your courses or account
• Respond when you contact our support team
• Improve our learning materials based on how students interact with them
• Comply with legal obligations under Australian financial education regulations
• Prevent fraud and maintain platform security
• Send occasional emails about new courses or resources (you can opt out anytime)

Your Privacy Rights

Under Australian privacy law, you have specific rights regarding your personal information. Here's what you can do:

To exercise any of these rights, email us at support@carnovialen.com with "Privacy Request" in the subject line. We'll verify your identity and respond within the timeframes required by law.

Data Sharing and Third Parties

Service Providers

We work with a few trusted companies that help us run our platform. This includes email service providers, payment processors, and hosting services. These companies can only use your data to provide services to us – they can't use it for their own purposes.

Legal Requirements

Sometimes we're legally obligated to share information. This might happen if law enforcement requests data with proper authority, or if we need to comply with Australian financial regulations. We'll only share what's legally required.

Business Transfers

If carnovialen is acquired or merges with another company, your information would transfer to the new entity. We'd notify you before this happens and explain any changes to how your data is handled.

Data Security Measures

Protecting your information is a priority. Here's how we do it:

• All data transmission uses industry-standard SSL/TLS encryption
• Passwords are hashed using secure algorithms – we can't see your actual password
• Our servers are located in Australian data centers with physical security measures
• Regular security audits and penetration testing to identify vulnerabilities
• Employee access to personal data is strictly limited and monitored
• Automated backups stored in secure, geographically separate locations
• Two-factor authentication available for account access

No system is completely secure, though. If we ever experience a data breach that affects your information, we'll notify you within 72 hours as required by Australian law and explain what happened and what we're doing about it.

Data Retention

Active Accounts

We keep your personal information as long as your account is active. Your learning progress and completed certificates remain accessible indefinitely so you can reference them whenever needed.

Inactive Accounts

If you haven't logged in for three years, we'll send reminders before archiving your account. Archived accounts have most personal data deleted, but we retain basic transaction records for tax and legal compliance purposes.

Legal Requirements

Australian financial education providers must retain certain records for seven years. This includes enrollment information, payment records, and course completion certificates. After this period, we securely delete all remaining data.

Cookies and Tracking

Our website uses cookies – small text files stored on your device. Most are essential for the platform to work properly, but some help us understand how people use the site.

Essential Cookies

These keep you logged in and remember your settings. Without them, the site won't function properly. You can't disable these through our settings, but your browser settings give you control.

Analytics Cookies

We use analytics to see which pages are most helpful and where students get stuck. This data is aggregated – we're looking at patterns, not tracking individuals. You can opt out of analytics through your account preferences.

Your Control

Most browsers let you block or delete cookies. Keep in mind that blocking essential cookies will break parts of the site. Check your browser's help documentation for specific instructions.

Children's Privacy

Our services are designed for adults aged 18 and over. We don't knowingly collect information from anyone under 18. If you're a parent and believe your child has provided us with personal information, contact us immediately and we'll delete it.

For educational programs involving minors, we require parental consent and handle data according to stricter protections outlined in Australian privacy laws regarding children.

International Data Transfers

Your data is primarily stored on Australian servers. Some of our service providers operate internationally, which means your information might be processed in other countries. When this happens, we ensure those providers meet Australian privacy standards through contractual agreements.

Countries we may transfer data to include the United States (for cloud hosting services) and Singapore (for backup storage). These transfers only occur when necessary and with appropriate safeguards in place.

Changes to This Policy

We update this policy occasionally to reflect changes in our practices or legal requirements. When we make significant changes, we'll email active users and post a notice on our website at least 30 days before the changes take effect.

Minor clarifications or updates that don't affect how we handle your data won't trigger notifications, but the "Last Updated" date at the top will change. We encourage you to review this policy periodically.

If you disagree with policy changes, you can close your account before they take effect. Continued use of our services after changes become effective means you accept the updated policy.