Privacy Policy

Information We Collect

Information You Provide Directly

When you sign up for our financial analysis programs or contact us, you share certain details with us. This includes:

• Your full name and contact details (email address, phone number)
• Physical address for program materials delivery
• Payment information when enrolling in courses
• Educational background and career interests you share in your profile
• Course progress, assignment submissions, and quiz results
• Messages you send through our contact forms or support channels

Information Collected Automatically

Our website collects certain technical information to improve your experience. Nothing invasive — just standard web analytics:

• Your IP address and general location (city level, not your exact address)
• Browser type and operating system
• Pages you visit and time spent on each
• How you found our site (search engine, direct link, referral)
• Device information for mobile users

How We Use Your Information

We're not in the business of selling your data. Everything we collect serves a specific purpose related to your education:

Data Sharing and Third Parties

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

Service Providers

We work with trusted companies that help us run our programs:

• Payment processors for secure transaction handling
• Email service providers for course communications
• Cloud storage services for course materials and records
• Analytics platforms to understand how people use our site
• Customer support software to handle your questions efficiently

These providers are contractually bound to protect your information and can only use it for the specific services they provide to us.

Legal Requirements

Sometimes we're legally required to share information with:

• Australian tax authorities for financial reporting
• Law enforcement when required by valid legal process
• Regulatory bodies if they have legitimate authority to request it
• Courts when compelled by court order

What We Don't Do

Just to be clear: we don't sell your personal information to data brokers, advertisers, or anyone else. We don't rent out our student lists. Your education journey with us stays between us.

Your Rights Under Australian Privacy Law

The Australian Privacy Act 1988 gives you specific rights regarding your personal information. Here's what you can do:

• Access your information: You can request a copy of all personal data we hold about you. We'll provide it within 30 days, usually sooner.
• Correct inaccuracies: If something in your profile is wrong, you can update it yourself or ask us to fix it.
• Request deletion: You can ask us to delete your account and associated data. We'll comply unless we're legally required to keep certain records (like tax documentation).
• Object to processing: If you disagree with how we're using your data, you can object and we'll review your concerns.
• Restrict processing: In some situations, you can ask us to limit how we use your information while we resolve a dispute.
• Data portability: You can request your course data in a common digital format to transfer elsewhere.
• Withdraw consent: For anything requiring your consent (like marketing), you can change your mind anytime.

How We Protect Your Information

Security isn't something we take lightly. We've implemented multiple layers of protection:

Technical Safeguards

• 256-bit SSL encryption for all data transmitted to and from our site
• Encrypted storage for sensitive information in our databases
• Regular security audits and vulnerability testing
• Firewalls and intrusion detection systems
• Secure backup systems with encryption at rest

Organizational Measures

• Access to personal data limited to staff who genuinely need it
• Mandatory privacy training for all team members
• Confidentiality agreements with all employees and contractors
• Regular review of who has access to what information
• Incident response procedures if something goes wrong

No system is completely foolproof, but we do everything reasonably possible to keep your information secure. If we ever experience a data breach affecting your information, we'll notify you promptly and explain what happened and what we're doing about it.

Data Retention

We don't keep your information forever. Here's how long we typically retain different types of data:

After these periods, we securely delete or anonymize your information so it can no longer identify you personally.

Cookies and Tracking Technologies

Like most websites, we use cookies — small text files stored on your device. They help us remember your preferences and understand how you use our site.

Types of Cookies We Use

Essential Cookies: These are necessary for the website to function. They remember you're logged in, keep items in your cart, and maintain security. You can't opt out of these without breaking site functionality.

Analytics Cookies: Help us understand which pages are popular, where people get stuck, and how we can improve the site. We use this to make better decisions about course content and site design.

Preference Cookies: Remember your choices like language preference or whether you've dismissed certain notices. Makes your experience smoother on repeat visits.

International Data Transfers

We primarily operate in Australia, but some of our service providers are based overseas. When your data is transferred internationally, we ensure it's protected:

• We only work with providers in countries with adequate privacy protections
• Contractual clauses require overseas providers to maintain Australian-equivalent security standards
• Data is encrypted during transfer and storage
• We conduct due diligence on all international service providers before engagement

Countries where your data might be processed include the United States (cloud storage providers) and Singapore (email service infrastructure). Both have robust data protection frameworks.

Children's Privacy

Our financial analysis programs are designed for adults aged 18 and over. We don't knowingly collect information from anyone under 18. If you're a parent and believe your child has provided us with personal information, contact us immediately and we'll delete it.

Changes to This Policy

We update this 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 tells you when we last revised this policy. We encourage you to review it periodically, especially before enrolling in new programs.

Complaints and Disputes

If you're unhappy with how we've handled your personal information, please tell us first. We take complaints seriously and will work to resolve them:

• Contact our privacy team at help@carinthyra.com with details of your concern
• We'll acknowledge your complaint within 3 business days
• We'll investigate and respond within 30 days
• If you're not satisfied with our response, you can escalate to the Office of the Australian Information Commissioner

The OAIC is the independent authority overseeing privacy law in Australia. You can reach them at oaic.gov.au or 1300 363 992.