Privacy Policy

Last Updated: March 15, 2025

At celorivandiq, we understand that managing your personal finances requires trust. This privacy policy explains how we collect, use, store, and protect your personal information when you use our budget strategy services and educational resources. We're committed to transparency because your privacy matters to us.

Information We Collect

When you engage with our budget strategy services, we collect several types of information to provide you with personalized financial guidance:

Personal Information You Provide

Contact details including name, email address, phone number, and postal address
Financial information such as income ranges, spending categories, and budget goals
Educational program enrollment details and learning preferences
Communication preferences and feedback about our services

Technical Information

IP address, browser type, operating system, and device information
Website usage patterns, pages visited, and time spent on our platform
Cookies and similar tracking technologies for improved user experience
Login credentials and account security information

How We Use Your Information

Your personal information helps us deliver better budget strategy education and support. Here's specifically how we use different types of information:

Information Type	Primary Purpose	Legal Basis
Contact Information	Program enrollment, support communications, course updates	Contractual necessity
Financial Data	Personalized budget recommendations, educational content customization	Legitimate interest
Usage Analytics	Platform improvement, content optimization, user experience enhancement	Legitimate interest
Educational Records	Progress tracking, certificate issuance, program completion verification	Contractual necessity

Important Note: We never sell your personal information to third parties. Any data sharing occurs only with trusted service providers who help us deliver our educational programs, and they're bound by strict confidentiality agreements.

Data Protection and Security

Protecting your financial information is our top priority. We've implemented multiple layers of security to safeguard your data:

Technical Safeguards

256-bit SSL encryption for all data transmission
Encrypted database storage with regular security audits
Multi-factor authentication for account access
Regular penetration testing and vulnerability assessments
Secure backup systems with geographic redundancy

Administrative Controls

Limited access to personal data on a need-to-know basis
Regular staff training on data protection and privacy practices
Comprehensive background checks for all team members
Clear data handling protocols and incident response procedures

Your Privacy Rights

Under Australian Privacy Principles and international privacy laws, you have significant control over your personal information. Here are your rights and how to exercise them:

Access Your Data

Request a complete copy of all personal information we hold about you. We'll provide this within 30 days in a readable format.

Correct Inaccuracies

Update or correct any personal information that's outdated or incorrect. You can do this through your account dashboard or by contacting us directly.

Delete Your Information

Request deletion of your personal data, subject to any legal retention requirements. We'll remove your information within 60 days.

Restrict Processing

Limit how we use your information for specific purposes while maintaining your account for essential services.

Data Portability

Receive your personal data in a machine-readable format to transfer to another service provider if desired.

Withdraw Consent

Opt out of marketing communications or other consent-based processing at any time through your account settings.

Processing Time: Most privacy requests are completed within 30 days. For complex requests involving large amounts of data, we may need up to 60 days and will notify you of any delays.

Data Retention and Deletion

We keep your information only as long as necessary to provide our services and comply with legal obligations:

Active Account Data

While your account remains active, we retain your personal information to provide ongoing budget strategy support and educational services. This includes your profile, learning progress, and communication history.

Inactive Accounts

If you haven't logged in for 3 years, we'll send email reminders about account inactivity. After 4 years of inactivity, we'll delete your account and personal information, retaining only anonymized usage statistics for service improvement.

Legal Retention Requirements

Financial records: 7 years as required by Australian tax law
Educational certificates: 10 years for verification purposes
Communication logs: 2 years for quality assurance
Payment information: 6 years for accounting compliance

International Data Transfers

celorivandiq operates primarily within Australia, but some of our service providers are located internationally. When we transfer your data outside Australia, we ensure adequate protection:

Approved Destinations

We only transfer data to countries with adequate privacy protections as recognized by the Australian Privacy Commissioner, or to organizations with appropriate safeguards in place.

Safeguards in Place

Standard contractual clauses approved by privacy authorities
Regular audits of international service providers
Data processing agreements that meet Australian privacy standards
Encryption requirements for all international data transfers

Cookies and Tracking Technologies

We use cookies and similar technologies to improve your experience on our platform. Here's what we collect and why:

Essential Cookies

These cookies are necessary for the website to function properly. They enable core features like secure login, session management, and form submission. You cannot disable these through our cookie settings as they're required for basic functionality.

Analytics Cookies

We use analytics cookies to understand how visitors interact with our website. This helps us improve our budget strategy resources and educational content. These cookies collect anonymous information about page views, time spent on site, and user journeys.

Managing Cookie Preferences

You can control cookie settings through your browser preferences or our cookie management tool. Disabling certain cookies may limit some website functionality, but won't prevent access to our core educational resources.

Third-Party Services

We work with carefully selected third-party providers to deliver our budget strategy education services. Each provider has been assessed for privacy and security compliance:

Educational Platform Providers

Our online learning management system is hosted by providers who meet strict data protection standards. They process your educational progress data solely to deliver course content and track completion.

Communication Services

Email communications and support tickets are managed through secure platforms that encrypt all messages. These providers cannot access message content beyond what's necessary for delivery and spam protection.

Payment Processors

We use PCI-compliant payment processors for all financial transactions. We never store complete credit card information on our servers – this data is tokenized and secured by specialized payment providers.

Privacy Questions and Concerns

If you have questions about this privacy policy or want to exercise your privacy rights, we're here to help.

Email: info@celorivandiq.com

Phone: +61405199590

Mail: 3 Gardiner St, Darwin City NT 0800, Australia

We aim to respond to all privacy inquiries within 5 business days. For complex requests, we may need additional time and will keep you informed of our progress.