Privacy Policy

Information We Collect

When you interact with kaelysoriva, we collect different types of information depending on how you use our services. Here's what we gather and why it matters for your financial planning journey.

Personal Details You Provide

When you sign up for our learning programs or contact us for budget consultation, you share information directly with us:

• Your name, email address, and phone number so we can communicate with you
• Postal address for any physical materials we might send
• Financial goals and current budget situation you want to improve
• Payment information when you enroll in paid programs
• Feedback and questions you submit through our contact forms

Automatically Collected Data

Like most websites, ours collects some technical information automatically. This helps us understand how people use our platform and where we can make improvements:

• IP address and general location (city level, not your exact address)
• Device type, browser, and operating system you're using
• Pages you visit and how long you spend on them
• Links you click and resources you download
• Date and time of your visits

How We Use Your Information

We're not in the business of hoarding data. Everything we collect serves a specific purpose related to helping you adjust your budget and learn financial strategies.

Information Sharing and Disclosure

We don't sell your personal information to anyone. Period. But we do work with some trusted partners who help us run our services.

Service Providers We Work With

These companies help us deliver our educational programs and maintain our platform:

• Email platforms to send you course materials and updates
• Payment processors to handle enrollment fees securely
• Cloud hosting services where our website and data live
• Analytics tools to understand how people use our site
• Customer support software to manage your questions and feedback

All these providers are bound by confidentiality agreements and can only use your data for the specific services they provide to us. They can't use it for their own marketing or other purposes.

Legal Requirements

We might need to share your information if required by Australian law, court orders, or government agencies. This typically only happens in cases involving suspected fraud, threats to public safety, or similar serious situations.

Your Privacy Rights Under Australian Law

The Australian Privacy Act gives you real control over your personal information. Here's what you can do and how to exercise these rights.

Access Your Information

You can request a copy of all personal data we hold about you. We'll provide it in a readable format within 30 days. There's no charge for reasonable requests, though we might need to verify your identity first.

Correct Inaccurate Data

If something we have on file is wrong or outdated, let us know. We'll update it promptly. You can often make these changes yourself through your account settings.

Delete Your Information

You can ask us to delete your personal data, and we'll honor that request unless we have a legal obligation to keep certain records. For instance, we need to maintain some financial transaction records for tax purposes.

Object to Processing

If you don't want us using your information for certain purposes (like marketing emails), you can object. We'll stop unless we have a compelling legitimate reason that outweighs your privacy interests.

Data Portability

Want to take your data somewhere else? We can provide your information in a commonly used, machine-readable format that you can transfer to another service.

Data Security Measures

We take reasonable steps to protect your information from unauthorized access, misuse, or disclosure. Here's what that looks like in practice.

That said, no internet transmission is 100% secure. While we do our best to protect your information, we can't guarantee absolute security. You play a role too by keeping your login credentials private and using strong passwords.

How Long We Keep Your Data

We don't keep your information forever. Our retention periods depend on the type of data and why we collected it.

Active Account Data

While you're actively using our services, we keep your account information and learning progress current. This allows you to pick up where you left off and track your budget adjustment journey.

Inactive Accounts

If you haven't logged in for 3 years, we'll send you an email asking if you want to keep your account active. If we don't hear back within 60 days, we'll delete your personal information (though we might keep anonymized usage statistics).

Financial Records

Australian tax law requires us to keep certain financial transaction records for 7 years. After that, they're securely deleted.

Legal Holds

If there's an ongoing legal matter, we might need to preserve relevant information until it's resolved, even if it would normally be deleted.

Cookies and Tracking Technologies

Our website uses cookies and similar technologies. Before you worry, let me explain what that actually means for you.

What Cookies Do

Cookies are small text files stored on your device. They help our website remember your preferences and understand how you navigate our content. For example, they keep you logged in between visits and remember your place in a learning module.

Types We Use

• Essential cookies make the website work properly (like keeping you logged in)
• Analytics cookies show us which pages are popular and where people spend time
• Preference cookies remember your settings and choices
• Marketing cookies help us show you relevant content (you can opt out of these)

You can control cookies through your browser settings. Most browsers let you block or delete cookies, though this might affect how our website functions. Check your browser's help section for instructions.

International Data Transfers

kaelysoriva operates primarily in Australia, but some of our service providers have servers in other countries. This means your information might be processed outside Australia.

When we transfer data internationally, we ensure the receiving country has adequate privacy protections or we put contractual safeguards in place. The Australian Privacy Act requires us to take reasonable steps to protect your information no matter where it's processed.

Currently, we use service providers with servers in the United States and Singapore. Both have been recognized by Australian authorities as having adequate privacy frameworks.

Children's Privacy

Our services are designed for adults managing their own budgets. We don't knowingly collect information from anyone under 18 years old.

If you're a parent or guardian and believe your child has provided us with personal information, contact us immediately. We'll delete it from our systems as quickly as possible.

Young people interested in financial literacy are welcome to use our free resources with parental guidance, but our paid programs and account creation require users to be 18 or older.

Changes to This Policy

Privacy laws evolve and our services change. We'll update this policy from time to time to reflect those shifts.

When we make significant changes, we'll notify you by email (if you have an account) and display a notice on our website. The "Last Updated" date at the top will always show when the most recent changes were made.

We encourage you to review this policy periodically, especially before providing new personal information or using new features.

Making a Complaint

If you're concerned about how we've handled your personal information, we want to know. Here's how to raise your concerns:

1. Contact us first at support@kaelysoriva.com with details about your concern. We'll investigate and respond within 30 days.
2. If you're not satisfied with our response, you can escalate to our Privacy Officer by writing to the address below or calling our office.
3. You also have the right to lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at any time. Visit oaic.gov.au for information on how to do that.

We take all privacy complaints seriously and will work with you to resolve issues fairly and promptly.