Information Collection and Use

cariolentiva collects personal information when you register for our financial education services, subscribe to newsletters, or interact with our platform. This includes your name, email address, phone number, and financial learning preferences. We also collect technical information such as IP addresses, browser types, and device information to improve your experience on our platform.

When you engage with our educational content, we track your progress through courses, quiz results, and time spent on different modules. This data helps us personalise your learning journey and recommend relevant financial topics that match your interests and skill level.

We use cookies and similar technologies to remember your preferences, analyse website traffic, and provide personalised content recommendations. You can control cookie settings through your browser, though some features may not function properly if cookies are disabled. Our cookie policy provides detailed information about the specific cookies we use and their purposes.

Data Sharing and Third Parties

cariolentiva does not sell your personal information to third parties. We may share limited data with trusted service providers who assist in delivering our educational services, such as email providers, payment processors, and analytics platforms. These partners are contractually bound to protect your information and use it only for the specific services they provide to us.

In certain circumstances, we may disclose your information to comply with legal obligations, respond to government requests, or protect our rights and the safety of our users. Any such disclosure will be limited to what is legally required and we will notify you when possible, unless prohibited by law.

Data Security and Protection

We implement robust security measures to protect your personal information, including encryption of sensitive data, secure server infrastructure, and regular security audits. Our systems are designed to prevent unauthorised access, disclosure, or destruction of your personal information.

All payment information is processed through secure, PCI-compliant payment gateways. cariolentiva does not store credit card details on our servers. We use industry-standard SSL encryption for all data transmissions between your device and our servers.

We retain your personal information for as long as necessary to provide our services and comply with legal obligations. Account information is typically retained for one year after your last login. Learning progress and course completion data may be kept for up to three years to support ongoing educational recommendations and certification requirements.

Financial transaction records are retained for seven years in accordance with Australian tax and business record-keeping requirements. When data is no longer required, we securely delete it from our systems using industry-standard data destruction methods.

International Data Transfers

While cariolentiva primarily operates within Australia, some of our service providers may process data outside of Australia. When we transfer personal information internationally, we ensure appropriate safeguards are in place, including contractual protections and adequacy decisions where applicable.

We work with cloud service providers who maintain data centres in multiple jurisdictions. Your personal information may be processed in facilities located in Australia, New Zealand, Singapore, or the United States, all of which provide adequate protection for personal data under Australian privacy law.

This privacy policy may be updated periodically to reflect changes in our practices or legal requirements. We will notify you of material changes via email or through prominent notices on our website. Continued use of our services after policy updates constitutes acceptance of the revised terms.

For questions about data processing activities not covered in this policy, please contact our privacy team. We are committed to transparency and will provide additional information about our data practices upon request.