Privacy Policy

Last Updated: March 2025

At calyvonteris, we think privacy matters. And we're not just saying that because we have to. Your financial information is sensitive, and frankly, if someone asked us to hand over our budget details to random third parties, we'd have questions too. So here's how we handle your data, what we do with it, and why we collect certain things in the first place.

1. Who We Are and What This Covers

calyvonteris operates from Australia and provides budget contingency planning services. This policy covers how we collect, store, and manage personal information when you use our website (calyvonteris.org), sign up for our learning programs, or contact us for advice. If you're in Australia, this policy also aligns with the Privacy Act 1988 and the Australian Privacy Principles.

We're not a massive corporation with offices on six continents. We're based at 1/21 Kangaroo St, Zuccoli NT 0832, Australia, and you can reach us at +61394606252 or help@calyvonteris.org if you ever have concerns.

2. What Information We Collect

We collect different types of information depending on how you interact with us. Nothing sinister here, but it's good to be upfront about what we actually gather.

Personal Details You Give Us

When you register for a learning program, reach out through our contact form, or sign up for updates, we collect:

  • Your name and email address (obviously we need to know who you are)
  • Phone number if you provide it
  • Address information for program enrollment
  • Payment details when you purchase services (though we don't store full credit card numbers ourselves)
  • Any other details you choose to share with us in messages or forms

Financial Information

Since we're in the business of helping people plan budgets, you might share financial details with us during consultations or program activities. This could include income ranges, expense categories, or savings goals. We treat this stuff carefully because, well, money talk is personal.

Technical Data

Like most websites, we collect some technical information automatically when you visit us:

  • IP address and general location data
  • Browser type and device information
  • Pages you visit and how long you spend on them
  • Referring websites that sent you our way
  • Cookies and similar tracking technologies (more on those below)

3. How We Use Your Information

We don't collect data just for fun. Here's what we actually do with the information you give us:

Purpose What This Means
Deliver Services Process your enrollment, send course materials, provide support
Improve Our Offerings Analyze what content helps people most, fix broken features
Communicate With You Send updates about your programs, answer questions, share relevant tips
Legal Compliance Meet Australian regulatory requirements, prevent fraud
Marketing Share info about new programs (but only if you've opted in)

Important: We will never sell your personal information to data brokers or random marketing companies. That's not our business model, and frankly, it would be a pretty dodgy thing to do.

4. Who We Share Your Data With

We try to keep your information in-house, but sometimes we need to share it with specific partners to actually deliver our services. Here's the full picture:

Service Providers

We work with third-party companies for things like payment processing, email delivery, and website hosting. These providers only get the data they need to do their job, and they're contractually required to protect it. Think of companies that handle credit card transactions or send out course reminder emails on our behalf.

Legal Requirements

If Australian law requires us to hand over information (like for a court order or regulatory investigation), we'll comply. We're not interested in getting into legal trouble just to keep data under wraps when the government has legitimate reasons to ask for it.

Business Transitions

If calyvonteris ever merges with another company or gets acquired (not in the plans right now, but you never know), your data would transfer to the new entity. We'd notify you if this happens and give you options if you're uncomfortable with it.

5. Your Privacy Rights

You're not powerless here. Australian privacy law gives you several rights when it comes to your personal information, and we respect those rights.

Access Your Data

You can request a copy of the personal information we hold about you. We'll provide it in a readable format within 30 days.

Correct Inaccuracies

If something we have on file is wrong, let us know. We'll fix it promptly because outdated information doesn't help anyone.

Delete Your Information

Want us to erase your data? In most cases, we can do that. There are exceptions if we're legally required to keep certain records.

Opt Out of Marketing

Don't want promotional emails? Click unsubscribe in any message we send, or email us directly to stop marketing communications.

Restrict Processing

You can ask us to limit how we use your data in certain situations, like if you're disputing accuracy or questioning legality.

Data Portability

Request your information in a structured format so you can move it to another service provider if you choose.

How to Exercise These Rights: Send an email to help@calyvonteris.org with "Privacy Request" in the subject line. Tell us what you need, and we'll respond within 30 days. We might ask for ID verification to make sure we're not handing your data to someone else by mistake.

6. Cookies and Tracking

We use cookies. Not the edible kind, unfortunately. These are small text files stored on your device that help our website function and remember your preferences.

Types of Cookies We Use

  • Essential Cookies: Required for the site to work properly (like keeping you logged in)
  • Performance Cookies: Help us understand which pages people visit and how they navigate
  • Functionality Cookies: Remember your settings and preferences
  • Analytics Cookies: Provide insights into how people use our site so we can improve it

You can disable cookies in your browser settings, but some parts of our site might not work as well if you do. Most browsers let you control cookies pretty easily these days, so check your browser's help section if you want to adjust settings.

7. How We Protect Your Information

Security isn't something we take lightly. We implement several measures to keep your data safe from unauthorized access or breaches:

  • Encryption for sensitive data both in transit and at rest
  • Regular security audits and vulnerability assessments
  • Access controls that limit who on our team can view personal information
  • Secure servers located in reputable data centers
  • Regular backups to prevent data loss

That said, no system is completely bulletproof. We do our best, but we can't guarantee absolute security against every possible threat. If we ever experience a data breach that affects your information, we'll notify you as quickly as possible and explain what happened.

8. How Long We Keep Your Data

We don't hang onto your information forever. Here's our general approach to data retention:

  • Active Users: We keep your data as long as you're enrolled in programs or using our services
  • Inactive Accounts: After two years of inactivity, we may delete or anonymize your information unless you've asked us to keep it
  • Financial Records: Australian tax law requires us to keep certain financial records for seven years
  • Marketing Lists: If you unsubscribe, we'll remove you from promotional lists but keep a record that you opted out (so we don't accidentally re-add you)

9. International Data Transfers

We primarily operate within Australia, but some of our service providers (like hosting companies or payment processors) might be based overseas. This means your data could be processed in countries outside Australia.

When we transfer data internationally, we ensure those providers have adequate privacy protections in place. We use standard contractual clauses and only work with reputable companies that meet Australian privacy standards.

10. Children's Privacy

Our services are designed for adults managing personal or household budgets. We don't knowingly collect information from anyone under 18. If you're a parent and discover your child has provided us with personal information, contact us immediately and we'll delete it.

11. Changes to This Policy

Privacy laws change. Our business evolves. So we might update this policy from time to time. When we make significant changes, we'll notify you via email or a prominent notice on our website. The "Last Updated" date at the top will always reflect the most recent version.

We won't suddenly start doing something wildly different with your data without telling you first. And if you're not comfortable with updated terms, you can always close your account and request data deletion.

12. Third-Party Links

Our website might contain links to other sites that aren't operated by us. We can't control what those sites do with your information, so read their privacy policies before sharing personal data. We're not responsible for their practices, even if we linked to them.

13. Australian Privacy Principles Compliance

As an Australian-based business, we follow the Australian Privacy Principles (APPs) outlined in the Privacy Act 1988. This includes being transparent about how we handle personal information, giving you access to your data, and maintaining security measures.

If you believe we've breached the Privacy Act or mishandled your information, you can lodge a complaint with us first. If you're not satisfied with our response, you have the right to contact the Office of the Australian Information Commissioner (OAIC).

Questions or Concerns?

If you have questions about this privacy policy or how we handle your data, reach out to us:

Email: help@calyvonteris.org

Phone: +61 3 9460 6252

Address: 1/21 Kangaroo St, Zuccoli NT 0832, Australia

We try to respond to privacy inquiries within five business days, though complex requests might take a bit longer.