Introduction

cenoviarulth ("we," "our," or "us") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website cenoviarulth.com, use our rolling budget techniques platform, or engage with our financial education services. This policy applies to all users in Australia and complies with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

By accessing or using our services, you acknowledge that you have read, understood, and agree to be bound by this Privacy Policy. If you do not agree with our practices, please do not use our services.

Information We Collect

We collect several types of information to provide and improve our financial education services:

How We Use Your Information

We use the information we collect for various legitimate business purposes:

• Educational Services: To provide personalized budget education, track your learning progress, and customize content to your financial learning goals.
• Communication: To send course updates, educational newsletters, respond to inquiries, and provide customer support.
• Platform Improvement: To analyze usage patterns, improve our website functionality, and develop new educational features.
• Legal Compliance: To comply with applicable Australian laws, regulations, and legal processes.
• Security: To protect against fraud, unauthorized access, and ensure the security of our platform and users.
• Marketing: To send relevant educational content and updates about our services (with your consent).

Information Sharing and Disclosure

We respect your privacy and limit the sharing of your personal information. We may share your information in the following circumstances:

• Service Providers: We work with trusted third-party service providers who assist us in operating our website, conducting business, and serving our users. These providers have access to personal information only as needed to perform their functions and are contractually obligated to maintain confidentiality.
• Legal Requirements: We may disclose information when required by Australian law, court order, or government regulation, or when we believe disclosure is necessary to protect our rights or comply with legal processes.
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the business transaction, with appropriate safeguards in place.
• Consent: We may share information with your explicit consent or at your direction.

We do not sell, rent, or trade your personal information to third parties for their marketing purposes. We do not share your financial learning data with employers, credit agencies, or financial institutions without your explicit consent.

Your Privacy Rights

Under Australian privacy law, you have several rights regarding your personal information:

To exercise any of these rights, please 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 your request.

Data Security and Protection

We implement comprehensive security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction:

• Encryption: We use industry-standard SSL/TLS encryption for data transmission and AES-256 encryption for data storage.
• Access Controls: We implement role-based access controls, ensuring only authorized personnel can access personal information on a need-to-know basis.
• Regular Audits: We conduct regular security audits and vulnerability assessments to identify and address potential security risks.
• Staff Training: Our employees receive regular privacy and security training to ensure they understand their obligations in handling personal information.
• Secure Infrastructure: We use secure servers, firewalls, and intrusion detection systems to protect our IT infrastructure.
• Data Minimization: We only collect and retain the minimum amount of personal information necessary for our stated purposes.

Despite our best efforts, no method of transmission over the internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee absolute security.

Data Retention and Deletion

We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected and to comply with legal requirements:

• Account Information: Retained for the duration of your account plus 7 years after closure for legal and tax compliance purposes.
• Learning Data: Course progress and educational records retained for 5 years to support ongoing learning and certification requirements.
• Communication Records: Email correspondence and support tickets retained for 3 years for quality assurance and legal purposes.
• Technical Data: Server logs and analytics data retained for 18 months for security monitoring and platform improvement.
• Marketing Data: Newsletter subscriptions and marketing preferences retained until you unsubscribe or request deletion.

When the retention period expires, we securely delete or anonymize your personal information. You can request earlier deletion of your information, subject to legal and contractual obligations.

International Data Transfers

While we primarily store and process data within Australia, some of our service providers may be located overseas. When we transfer personal information internationally, we ensure appropriate safeguards are in place:

• We only transfer data to countries with adequate privacy protection or under approved transfer mechanisms
• We use contractual clauses that require overseas recipients to handle personal information in accordance with Australian privacy standards
• We conduct due diligence on all international service providers to ensure they maintain appropriate security and privacy practices
• We provide notice when your information may be disclosed to overseas recipients

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our website:

• Essential Cookies: Necessary for website functionality, including login sessions and security features
• Analytics Cookies: Help us understand how visitors use our website to improve user experience
• Preference Cookies: Remember your settings and preferences for a personalized experience
• Marketing Cookies: Used to deliver relevant content and track the effectiveness of our marketing campaigns (with your consent)

You can control cookie settings through your browser preferences. However, disabling certain cookies may limit your ability to use some features of our website.

Children's Privacy

Our services are designed for adults and are not intended for children under 18. We do not knowingly collect personal information from children under 18 years of age. If we become aware that we have collected personal information from a child under 18, we will take steps to delete such information promptly.

If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately so we can take appropriate action.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make significant changes, we will:

• Post the updated policy on our website with a revised "Last Updated" date
• Send notification to registered users via email about material changes
• Provide a summary of key changes in plain language
• Give you the opportunity to review and consent to significant changes where required by law

We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information. Your continued use of our services after policy changes indicates your acceptance of the updated terms.