Privacy Policy

Information We Collect

Information You Provide Directly

When you sign up for our budgeting tools or educational programs, we collect details you share with us. This includes your name, email address, phone number, and physical address. If you participate in our learning programs, we might also collect information about your financial goals and budgeting preferences.

Automatically Collected Information

Like most websites, we collect technical information when you visit caltriventa.com. This includes your IP address, browser type, device information, and how you interact with our site. We use cookies and similar technologies to remember your preferences and understand how people use our services.

How We Use Your Information

We use your information to deliver our budgeting services and educational content. Here's what that looks like in practice:

• Providing access to our annual budgeting tools and resources
• Sending you course materials, updates, and educational content you've requested
• Processing payments and managing your account
• Responding to your questions and providing customer support
• Improving our services based on how people actually use them
• Sending occasional emails about new features or programs (you can opt out anytime)
• Meeting our legal obligations under Australian financial services regulations

Sharing Your Information

We share your information only when necessary to provide our services or comply with the law. Here's who might see your data:

Service Providers

We work with third-party companies that help us run our business – things like payment processors, email services, and hosting providers. These companies can only use your information to provide services to us, not for their own purposes. All our service providers are required to protect your data and comply with Australian privacy standards.

Legal Requirements

Sometimes we're required by law to share information with government agencies or law enforcement. This happens rarely, but when it does, we only share what's legally required and nothing more.

Business Transfers

If caltriventa merges with another company or sells part of our business, your information might be transferred as part of that transaction. We'd notify you beforehand and ensure the new owner respects your privacy rights.

Your Rights and Choices

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

• Access: You can request a copy of the personal information we hold about you. We'll provide this within 30 days.
• Correction: If any information we have is wrong or outdated, let us know and we'll fix it.
• Deletion: You can ask us to delete your personal information, and we'll do so unless we need to keep it for legal reasons.
• Opt-out: You can unsubscribe from marketing emails anytime by clicking the unsubscribe link or contacting us directly.
• Data Portability: You can request your data in a commonly used format to transfer to another service.
• Object: You can object to certain types of processing, particularly for marketing purposes.

To exercise any of these rights, just send us an email at contact@caltriventa.com. We'll respond within 30 days and won't charge you a fee unless your request is clearly unreasonable or excessive.

Data Security

We take protecting your information seriously. Our security measures include encrypted data transmission (SSL/TLS), secure server infrastructure, regular security audits, and restricted access to personal information within our team.

That said, no system is completely secure. While we do everything we can to protect your data, we can't guarantee absolute security. If we detect a data breach that might affect you, we'll notify you and the relevant authorities as required by Australian law.

Data Retention

We keep your personal information only as long as we need it. Here's our general approach:

• Active account data: Retained while your account is active plus 12 months after you stop using our services
• Financial records: Kept for 7 years to comply with Australian tax and accounting requirements
• Marketing communications: Until you unsubscribe or request deletion
• Technical logs: Typically 90 days unless needed for security investigations

After these periods, we securely delete or anonymize your information. Sometimes we might keep anonymized data for statistical purposes – this data can't be linked back to you personally.

Cookies and Tracking

Our website uses cookies – small text files stored on your device that help the site work properly. We use them to remember your preferences, keep you logged in, and understand how people use our site.

Types of Cookies We Use

• Essential cookies: Required for the site to function. These can't be disabled.
• Preference cookies: Remember your settings and choices.
• Analytics cookies: Help us understand how people use our site so we can improve it.
• Marketing cookies: Used to show you relevant content and measure campaign effectiveness.

You can control cookies through your browser settings. Keep in mind that blocking some cookies might affect how well the site works for you.

International Data Transfers

Your information is primarily stored on servers located in Australia. However, some of our service providers operate in other countries, which means your data might be processed overseas.

When we transfer data internationally, we ensure adequate protections are in place through standard contractual clauses or other approved mechanisms. Countries we might transfer data to include the United States (for cloud hosting services) and the United Kingdom (for some software tools).

Children's Privacy

Our services are designed for adults managing their finances. We don't knowingly collect personal information from anyone under 18 without parental consent. If you're a parent and believe your child has provided us with personal information, please contact us and we'll delete it promptly.

Changes to This Policy

We update this privacy policy occasionally to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you by email or through a prominent notice on our website.

The "Last Updated" date at the top of this page shows when we last revised the policy. We encourage you to review it periodically to stay informed about how we're protecting your information.

Complaints and Disputes

If you're concerned about how we've handled your personal information, we want to hear about it. First, contact us directly using the details below – we'll investigate and respond 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). They're an independent authority that handles privacy complaints in Australia.