Privacy Policy

Introduction and Overview

carnivoriluna operates as a comprehensive financial analysis platform serving professionals and learners throughout Australia. We understand that your personal information represents more than just data points – it reflects your trust in our services and your commitment to advancing your financial expertise.

This privacy policy explains how we collect, use, protect, and manage your personal information in accordance with Australian privacy laws, including the Privacy Act 1988 and the Australian Privacy Principles (APPs). We've written this document in plain English because transparency shouldn't require a law degree to understand.

Information We Collect

The information we gather falls into several categories, each serving specific purposes in delivering our financial analysis platform and educational services.

Automatic Information Collection

Our website automatically collects certain technical information through cookies and similar technologies. This includes your device's IP address, browser type and version, operating system, referring website addresses, and pages viewed on our platform. We use this information to improve our services and ensure platform security.

How We Use Your Information

Your personal information serves several essential purposes in delivering our financial analysis education services:

• Service Delivery: Processing your enrollment in our financial analysis programs, providing access to learning materials, and tracking your progress through various courses and modules.
• Communication: Sending you important updates about your enrolled programs, platform changes, and relevant educational opportunities that align with your learning goals.
• Platform Improvement: Analyzing usage patterns to enhance our educational content, identify popular topics, and develop new financial analysis techniques that serve our community better.
• Technical Support: Resolving technical issues, answering questions about our services, and providing assistance with platform navigation or content access.
• Legal Compliance: Meeting our obligations under Australian law, including record-keeping requirements and responding to legitimate requests from regulatory authorities.
• Security Protection: Monitoring for unauthorized access, preventing fraud, and maintaining the integrity of our platform and user accounts.

Information Sharing and Disclosure

We operate on a principle of minimal disclosure – your personal information stays with us unless there's a specific, legitimate reason to share it. Here's when and how we might share your information:

Service Providers and Partners

We work with carefully selected service providers who help us deliver our financial analysis platform. These include cloud hosting services, email delivery platforms, and payment processors. All service providers are bound by strict confidentiality agreements and can only use your information for the specific services they provide to us.

Legal Requirements

We may disclose your information if required by Australian law, court orders, or to comply with legal processes. We may also share information to protect our rights, property, or safety, or that of our users or the public, but only when we have a good faith belief that such disclosure is necessary.

Business Transfers

In the unlikely event that carnivoriluna is acquired by another company or undergoes a business restructure, your personal information may be transferred as part of that transaction. We would notify you beforehand and ensure the new entity maintains equivalent privacy protection standards.

Your Privacy Rights

Under Australian privacy law, you have several important rights regarding your personal information. We've designed our systems to make exercising these rights as straightforward as possible.

To exercise any of these rights, contact us using the information provided at the end of this policy. We'll respond to your request within 30 days and may need to verify your identity before processing certain requests.

Data Security and Protection

Protecting your personal information is fundamental to our operations. We employ multiple layers of security measures designed to prevent unauthorized access, disclosure, alteration, or destruction of your data.

Technical Safeguards

Our platform uses industry-standard encryption protocols to protect data transmission between your device and our servers. All sensitive information is encrypted at rest using advanced encryption standards. We regularly update our security protocols to address emerging threats and vulnerabilities.

Access Controls

Access to your personal information is strictly limited to authorized personnel who need it to perform their job functions. All staff members receive regular privacy and security training, and we maintain detailed access logs to monitor who accesses what information and when.

Regular Security Assessments

We conduct regular security audits and vulnerability assessments to identify and address potential weaknesses in our systems. Our security practices are reviewed and updated quarterly to ensure they remain effective against evolving threats.

Data Retention and Deletion

We retain your personal information only as long as necessary to provide our services and meet our legal obligations. Our retention periods vary depending on the type of information and the purpose for which it was collected.

• Account Information: Retained while your account is active plus seven years after closure to meet Australian record-keeping requirements for educational providers.
• Learning Progress Data: Kept for the duration of your enrollment plus five years to support transcript requests and continuing education verification.
• Communication Records: Maintained for three years after the last interaction to support customer service and resolve any disputes.
• Technical Logs: Automatically deleted after 12 months unless needed for security investigations or legal compliance.
• Marketing Preferences: Retained until you withdraw consent, at which point they're immediately removed from active systems and fully deleted within 30 days.

When information reaches the end of its retention period, we securely delete it from all our systems, including backups. For information stored by our service providers, we ensure they follow equivalent deletion procedures.

International Data Transfers

While carnivoriluna primarily operates within Australia, some of our service providers may store or process your information outside Australia. When this occurs, we ensure these transfers comply with Australian privacy law requirements.

We only transfer personal information to countries that provide adequate privacy protection as recognized by Australian law, or we implement additional safeguards such as standard contractual clauses to ensure your information receives equivalent protection regardless of where it's processed.

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance your browsing experience and improve our services. Cookies are small text files stored on your device that help us remember your preferences and understand how you use our platform.

Types of Cookies We Use

• Essential Cookies: Necessary for basic website functionality, such as keeping you logged in and remembering your privacy preferences.
• Performance Cookies: Help us understand how visitors interact with our website by collecting anonymous information about page views and user journeys.
• Functional Cookies: Remember your preferences and choices to provide a more personalized experience during future visits.
• Analytics Cookies: Allow us to analyze website traffic and user behavior to improve our platform and content offerings.

You can control cookies through your browser settings, though disabling certain cookies may limit some website functionality. We respect your choices and provide clear options for managing your cookie preferences through our website.

Children's Privacy

Our financial analysis platform is designed for adult learners and professionals. We do not knowingly collect personal information from individuals under 18 years of age. If we discover we've inadvertently collected information from someone under 18, we'll delete it immediately upon becoming aware of the situation.

If you're a parent or guardian who believes your child has provided us with personal information, please contact us immediately so we can remove that information from our systems.

Changes to This Privacy Policy

We review and update this privacy policy regularly to ensure it remains current with our practices and compliant with applicable laws. When we make significant changes, we'll notify you through your registered email address and prominently display the updates on our website.

Minor updates, such as clarifications or formatting changes, may be made without individual notification. We encourage you to review this policy periodically to stay informed about how we protect your privacy.

Complaints and Dispute Resolution

If you have concerns about how we've handled your personal information, we want to hear from you. We're committed to resolving privacy-related complaints quickly and fairly.

Start by contacting us directly using the information below. We'll investigate your complaint and respond within 30 days with our findings and any corrective actions we'll take. If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC), which oversees privacy law compliance in Australia.

When contacting us about privacy matters, please include your full name, contact details, and a detailed description of your concern or request. This helps us respond more effectively and ensures we can verify your identity if needed to protect your personal information.