Information We Collect

We collect different types of information to provide you with quality financial education services and maintain the security of our platform. The data we gather helps us personalize your learning experience and improve our offerings.

Personal Information You Provide

When you register for our programs or contact us, we collect:

• Full name and contact details (email, phone number)
• Physical address for program materials and correspondence
• Payment information processed through secure third-party systems
• Educational background and learning goals for program customization
• Communication preferences and accessibility requirements

Automatically Collected Data

Our website automatically collects certain technical information:

• IP address and general location data (city/region level)
• Browser type, device information, and operating system
• Pages visited, time spent, and navigation patterns
• Referral sources and search terms used to find us
• Session information and interaction with educational content

How We Use Your Information

The information we collect serves specific purposes that directly benefit your educational experience and our ability to deliver quality services. We don't use your data for unrelated purposes without your explicit consent.

Educational Purposes

Your data helps us create better learning experiences. We analyze how students interact with course materials to identify areas where we can improve content delivery or provide additional support. This analysis is done at an aggregate level whenever possible.

Data Sharing and Disclosure

We're selective about who gets access to your information. carvionexis doesn't sell personal data to third parties or use it for advertising purposes outside our own services.

Service Providers

We work with trusted partners who help us operate our educational programs:

• Payment processors who handle financial transactions securely
• Email service providers for course communications
• Cloud hosting services that store our educational platform
• Analytics tools that help us understand website usage
• Educational technology platforms for course delivery

These providers are contractually obligated to protect your data and can only use it for the specific services they provide to us. They cannot access information beyond what's necessary for their role.

Legal Requirements

We may disclose your information if required by Australian law, court order, or government request. This includes cooperating with law enforcement when legally necessary or protecting our rights and property in legal proceedings.

Your Rights and Control

Under the Privacy Act 1988 and Australian Privacy Principles, you have specific rights regarding your personal information. We've made it straightforward to exercise these rights.

Access and Correction

You can request a copy of the personal information we hold about you at any time. If you find inaccuracies, we'll correct them promptly. Send your request to info@carvionexis.com with "Data Access Request" in the subject line. We'll respond within 30 days.

Data Portability

You have the right to receive your personal data in a structured, commonly used format. This allows you to transfer information to another service provider if you choose. We'll provide this data in CSV or PDF format.

Withdrawal of Consent

For activities that require your consent, you can withdraw that consent at any time. This includes marketing communications, which you can opt out of using the unsubscribe link in any email. Note that withdrawing consent doesn't affect the lawfulness of processing based on consent before withdrawal.

Deletion Requests

You can request deletion of your personal information, though we may need to retain certain records for legal or administrative purposes. These purposes include tax records, payment history, or resolving disputes. We'll explain what information we must keep and why.

Data Security and Protection

We've implemented multiple layers of security to protect your information from unauthorized access, alteration, or destruction. Our approach combines technical measures with organizational policies.

Technical Safeguards

• SSL/TLS encryption for all data transmitted through our website
• Encrypted storage for sensitive personal information
• Regular security audits and vulnerability assessments
• Firewalls and intrusion detection systems
• Access controls limiting who can view personal data
• Regular backups stored in secure, separate locations

Organizational Measures

Our staff receives regular training on data protection and privacy obligations. We maintain strict internal policies about who can access personal information and under what circumstances. All team members sign confidentiality agreements.

Despite these measures, no system is completely secure. If we become aware of a data breach that may affect you, we'll notify you promptly as required by Australian law and explain what happened and what steps we're taking.

Data Retention

We keep your information only as long as necessary for the purposes outlined in this policy or as required by law. Different types of data have different retention periods.

Active Student Records

While you're enrolled in our programs, we maintain complete records to support your learning experience. This includes course progress, assignments, and communication history. These records remain active for the duration of your enrollment plus six months after completion.

Financial Records

Australian tax law requires us to keep financial records for seven years. This includes payment history, invoices, and related correspondence. After this period, we securely delete or anonymize this information.

Marketing Data

If you've subscribed to our newsletter or marketing communications, we retain your preferences until you unsubscribe. After unsubscribing, we keep a record of your email address only to ensure we don't contact you again.

Website Analytics

Anonymous usage data is typically retained for 24 months to help us understand long-term trends. This data doesn't identify individual users and helps us improve our educational offerings.

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to improve functionality and understand how visitors use our site. You have control over most of these technologies.

Essential Cookies

Some cookies are necessary for our website to function properly. These include session cookies that remember your login status and preferences during your visit. You cannot disable these through our cookie settings as they're required for basic functionality.

Analytics Cookies

We use analytics services to understand how people find and use our website. This helps us identify popular content and areas needing improvement. These cookies collect information anonymously and report website trends without identifying individual visitors.

Managing Your Preferences

Most web browsers allow you to control cookies through their settings. You can set your browser to refuse cookies or alert you when cookies are being sent. Keep in mind that disabling cookies may affect website functionality.

Children's Privacy

Our educational programs are designed for adults aged 18 and older. We do not knowingly collect information from individuals under 18 without parental consent. If we discover we've inadvertently collected such information, we'll delete it promptly.

Parents or guardians who believe their child has provided us with personal information should contact us immediately at info@carvionexis.com so we can address the situation.

Changes to This Policy

We review and update this privacy policy periodically to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify active students by email and post a notice on our website.

The "Last Updated" date at the top of this document shows when the most recent changes were made. We encourage you to review this policy periodically to stay informed about how we're protecting your information.

Continued use of our services after changes take effect constitutes acceptance of the updated policy. If you disagree with changes, please contact us to discuss your concerns or discontinue use of our services.

International Data Transfers

While carvionexis primarily operates in Australia, some of our service providers may be located overseas. When we transfer data internationally, we ensure adequate protection through contractual agreements that meet Australian privacy standards.

Countries where data may be processed include the United States and European Union member states. We only work with providers in jurisdictions with adequate privacy protections or who agree to contractual terms that ensure your data receives the same level of protection as it would in Australia.

Complaints and Concerns

If you have concerns about how we've handled your personal information, we want to hear from you. Contact our privacy team first so we can try to resolve the issue:

• Email: info@carvionexis.com with "Privacy Concern" in the subject
• Phone: +61 428 652 042 during business hours
• Mail: K5, Wheelers Lane & Mitchell Hwy, Orana Mall Marketplace, Dubbo NSW 2830, Australia

We'll acknowledge your complaint within 5 business days and provide a full response within 30 days. If you're not satisfied with our response, you have the right to lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au.