Master Your Money - Budgeting Skills Education

Introduction and Data Controller

alorivanelo ("we," "our," or "us") operates alorivanelo.com and provides budgeting education services to individuals across Australia. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website or engage with our educational programs.

As the data controller, alorivanelo is responsible for ensuring your personal information is handled in compliance with the Australian Privacy Act 1988 and the Australian Privacy Principles (APPs). Our registered office is located at 155 Crook St, Strathdale VIC 3550, Australia.

We are committed to protecting your privacy and maintaining the confidentiality of your personal information. This policy applies to all personal information we collect about you, whether through our website, educational programs, or direct communications.

Information We Collect

We collect various types of information to provide and improve our budgeting education services. The information we collect falls into several categories, each serving specific purposes related to your educational experience and our service delivery.

Personal Identification Information

Full name and preferred name
Email address and phone number
Postal address and state/territory
Date of birth (for age verification)
Emergency contact details

Educational and Financial Information

Current financial literacy level
Learning goals and objectives
Program enrollment history
Assessment results and progress
Educational background relevant to financial topics

Technical and Usage Data

IP address and browser information
Device type and operating system
Pages visited and time spent
Login times and frequency
Learning module completion rates

Communication Records

Email correspondence with our team
Support ticket conversations
Feedback and survey responses
Phone call notes (when applicable)
Program evaluation comments

We collect this information through various means including registration forms, learning platform interactions, direct communications, and automated technologies such as cookies and analytics tools.

How We Use Your Information

Your personal information is used primarily to deliver effective budgeting education and support your learning journey. We process your data for legitimate business purposes that directly benefit your educational experience.

Program delivery involves using your contact information to communicate about course schedules, send educational materials, and provide technical support. We track your progress through our learning modules to personalize your experience and identify areas where additional support may be helpful.

Administrative purposes include processing enrollments, managing your account access, maintaining accurate records, and ensuring compliance with educational standards. We also use aggregated, de-identified data to improve our curriculum and develop new educational content.

Communication purposes encompass sending program updates, educational resources, and responding to your inquiries. We may also contact you about new programs or services that align with your stated learning interests, though you can opt out of these communications at any time.

We do not use your personal information for automated decision-making that would significantly impact you, nor do we sell your personal data to third parties for marketing purposes.

Information Sharing and Disclosure

We maintain strict control over your personal information and only share it in specific circumstances that support your educational experience or fulfill legal requirements.

Service providers who assist with program delivery may access your information, including learning management system providers, email service platforms, and technical support vendors. These providers are contractually bound to protect your information and use it only for specified purposes.

We may share information with educational partners when you enroll in collaborative programs, but only with your explicit consent and only the information necessary for program delivery.

Legal disclosure may occur when required by Australian law, court order, or to protect the rights and safety of our students, staff, or the public. In such cases, we will limit disclosure to the minimum information required.

Business transfers involving alorivanelo would include appropriate protections for your personal information, with advance notice provided about any changes to information handling practices.

Your Privacy Rights

Under Australian privacy law, you have several important rights regarding your personal information. We respect these rights and provide clear processes for exercising them.

1

Right to Access

You can request a copy of the personal information we hold about you, including details about how we use and share this information.

2

Right to Correction

You can ask us to correct personal information that is inaccurate, out-of-date, incomplete, or misleading.

3

Right to Erasure

You can request deletion of your personal information in certain circumstances, subject to legal retention requirements.

4

Right to Restrict Processing

You can ask us to limit how we use your personal information while we address concerns about accuracy or processing purposes.

5

Right to Object

You can object to certain types of processing, particularly for marketing communications or research purposes.

6

Right to Complain

You can lodge a complaint with the Australian Information Commissioner if you believe we've mishandled your personal information.

To exercise these rights, contact us at contact@alorivanelo.com with specific details about your request. We'll respond within 30 days and may need to verify your identity before processing certain requests.

Data Security Measures

We implement comprehensive security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. Our security approach combines technical, administrative, and physical safeguards.

Encryption and Transmission Security

All data transmission uses industry-standard SSL/TLS encryption. Sensitive information is encrypted both in transit and at rest using AES-256 encryption standards.

Access Controls

Staff access to personal information is limited to those who need it for their job functions. We use multi-factor authentication and regular access reviews.

Regular Security Audits

We conduct quarterly security assessments and annual third-party security reviews to identify and address potential vulnerabilities.

Incident Response

We maintain a comprehensive data breach response plan and will notify affected individuals and relevant authorities as required by law.

While we implement strong security measures, no system is completely secure. We encourage you to protect your account credentials and report any suspected security issues immediately.

Data Retention and Deletion

We retain your personal information only as long as necessary to fulfill the purposes for which it was collected, comply with legal requirements, and support your ongoing educational needs.

Active Program Participation We maintain complete records during your enrollment and active participation in our programs.

Seven Years Post-Completion Educational records and assessment results are retained for seven years after program completion for certification purposes.

Three Years for Marketing Data Marketing communications preferences and related contact information are kept for three years from last interaction.

Immediate Deletion Available You can request immediate deletion of personal information not required for legal compliance or educational certification.

When we delete your information, we use secure deletion methods to ensure it cannot be recovered. Some information may be retained in de-identified form for research and program improvement purposes.

Cookies and Online Tracking

Our website uses cookies and similar tracking technologies to enhance your browsing experience, analyze website usage, and support the functionality of our learning platform.

Essential cookies are necessary for basic website functionality, including maintaining your login session, remembering your progress through educational modules, and ensuring security features work properly. These cookies cannot be disabled if you wish to use our services.

Analytics cookies help us understand how visitors interact with our website, which pages are most useful, and where improvements might be needed. We use this information to enhance our educational content and user experience.

Preference cookies remember your choices about language settings, accessibility options, and customization preferences to make your return visits more efficient and personalized.

You can control non-essential cookies through your browser settings, though disabling certain cookies may limit some website functionality. Our learning platform will inform you about cookies and obtain consent where required by law.

International Data Transfers

While alorivanelo operates primarily within Australia, some of our service providers may process your information in other countries. When international transfers occur, we ensure appropriate safeguards protect your personal information.

Cloud storage services may store your data in secure facilities located in countries with strong privacy laws, such as New Zealand, the United States (under appropriate frameworks), or European Union member states.

All international transfers are governed by contractual arrangements that require receiving parties to maintain equivalent privacy protections and use the information only for specified purposes related to your educational experience.

We regularly review the privacy practices of international service providers and will notify you of any significant changes that might affect how your information is protected.

Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices, technology, legal requirements, or business operations. Significant changes will be communicated clearly and with appropriate advance notice.

When we make important changes that affect how we handle your personal information, we'll notify you via email and display a prominent notice on our website. For minor updates that don't materially change your rights or our practices, we'll update the "last modified" date at the top of this policy.

We encourage you to review this Privacy Policy periodically, especially before providing new personal information or enrolling in additional programs. Your continued use of our services after policy changes indicates your acceptance of the updated terms.

Previous versions of our Privacy Policy are available upon request for your reference and to track how our practices have evolved over time.