Privacy Policy

Introduction and Overview

solivranthae ("we," "us," "our," or "the Company") operates solivranthae.com and provides budgeting skills education and financial literacy services. This Privacy Policy explains how we collect, use, disclose, and protect information about you when you visit our website, use our services, or interact with us in other ways.

This policy applies to all users of our website and services, including visitors, registered users, and participants in our educational programs. By using our services, you agree to the collection and use of information as described in this policy.

Information We Collect

We collect several types of information to provide and improve our services, ensure security, and communicate effectively with our users.

How We Use Your Information

We use the information we collect for various legitimate business purposes that benefit both you and our organization:

• Providing and personalizing our educational services and content
• Processing registrations, payments, and managing your account
• Communicating with you about courses, updates, and relevant information
• Analyzing usage patterns to improve our website and services
• Ensuring security and preventing fraud or unauthorized access
• Complying with legal obligations and regulatory requirements
• Conducting research to enhance our educational offerings

Information Sharing and Disclosure

We understand that trust is essential when you share your personal information with us. We do not sell your personal information to third parties. However, we may share information in specific circumstances:

• Service Providers: We work with trusted third-party companies that help us operate our website, process payments, send emails, or provide other services. These partners are contractually required to protect your information.
• Legal Requirements: We may disclose information when required by law, court order, or government regulation, or when we believe disclosure is necessary to protect our rights or the safety of others.
• 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 protections in place.
• Consent: We may share information with your explicit consent for specific purposes not covered elsewhere in this policy.

Data Security Measures

Protecting your personal information is a top priority. We implement comprehensive security measures to safeguard your data against unauthorized access, alteration, disclosure, or destruction:

• Industry-standard encryption for data transmission and storage
• Regular security assessments and vulnerability testing
• Restricted access to personal information on a need-to-know basis
• Secure data centers with physical and digital access controls
• Employee training on data protection and privacy practices
• Incident response procedures for potential security breaches

Your Privacy Rights

Under Australian privacy laws, including the Privacy Act 1988 and Australian Privacy Principles, you have several important rights regarding your personal information:

• Right to Access: Request confirmation of what personal information we hold and obtain a copy of that information.
• Right to Correction: Ask us to correct inaccurate or incomplete personal information.
• Right to Deletion: Request deletion of your personal information in certain circumstances.
  • When information is no longer necessary for the original purpose
  • When you withdraw consent and no other legal basis applies
  • When information has been unlawfully processed
• Right to Restrict Processing: Ask us to limit how we use your information under specific conditions.
• Right to Data Portability: Receive your personal information in a structured, commonly used format.
• Right to Object: Object to processing of your personal information for direct marketing or other purposes.

To exercise any of these rights, contact us using the information provided below. We will respond to your request within 30 days and may require verification of your identity before processing certain requests.

Data Retention and Deletion

We retain personal information only as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, resolve disputes, and enforce our agreements. Our retention periods vary depending on the type of information and how it's used:

• Account Information: Retained while your account is active and for 7 years after closure for legal and business purposes.
• Educational Records: Maintained for 10 years to provide transcripts and verify completion of programs.
• Payment Information: Stored for 7 years to comply with taxation and financial record requirements.
• Marketing Communications: Kept until you unsubscribe or request deletion.
• Website Analytics: Typically retained for 26 months for performance analysis.

Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to enhance your browsing experience, analyze site usage, and provide personalized content. Cookies are small text files stored on your device that help us remember your preferences and improve site functionality.

We use several types of cookies:

• Essential Cookies: Necessary for basic site functionality and cannot be disabled.
• Performance Cookies: Help us understand how visitors interact with our website.
• Functional Cookies: Remember your preferences and personalize your experience.
• Marketing Cookies: Track visitors across websites to display relevant advertisements.

You can control cookie settings through your browser preferences. However, disabling certain cookies may limit website functionality and your user experience.

International Data Transfers

While we primarily operate within Australia, some of our service providers may process information outside of Australia. When we transfer personal information internationally, we ensure appropriate safeguards are in place:

• Transfers only to countries with adequate privacy protections
• Contractual agreements requiring equivalent privacy standards
• Compliance with Australian privacy laws for overseas disclosures
• Regular monitoring of international privacy developments

Children's Privacy

Our services are designed for adults and individuals over 18 years of age. We do not knowingly collect personal information from children under 18. If we become aware that we have inadvertently collected such information, we will take steps to delete it promptly. Parents or guardians who believe their child has provided us with personal information should contact us immediately.

Changes to This Privacy Policy

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

• Notify users via email if they have provided an email address
• Post a prominent notice on our website
• Update the "Last Modified" date at the top of this policy
• Provide a summary of key changes when material modifications occur

We encourage you to review this policy regularly to stay informed about how we protect your information. Your continued use of our services after changes take effect constitutes acceptance of the updated policy.

Complaints and Dispute Resolution

If you have concerns about how we handle your personal information, we encourage you to contact us first so we can work together to resolve the issue. If you're not satisfied with our response, you have the right to lodge a complaint with the Australian Privacy Commissioner through the Office of the Australian Information Commissioner (OAIC).