Privacy Policy

Your privacy matters to us. Here's how we collect, use, and protect your personal information when you use caloranuthivsa's financial services platform.

Last Updated: March 15, 2025

Information We Collect

We collect various types of information to provide and improve our financial services. This includes information you provide directly, data we collect automatically, and information from third-party sources when legally permitted.

  • Personal Information: Name, email address, phone number, postal address, date of birth, and government-issued identification numbers when required for financial services compliance.
  • Financial Information: Bank account details, credit card information, income data, employment information, and financial goals you share with us for service customization.
  • Technical Data: IP address, browser type, device information, operating system, and usage patterns when you interact with our platform.
  • Communication Records: Records of your communications with our customer service team, including phone calls, emails, and chat sessions for quality and training purposes.

Data Collection Transparency

We never collect more information than necessary to provide our services effectively. All data collection practices comply with Australian Privacy Principles and international data protection standards.

How We Use Your Information

Your information helps us deliver personalized financial services, maintain security, and continuously improve our platform. We process data based on legitimate business interests, contractual obligations, and your consent where required.

Purpose Data Used Legal Basis
Account Management Personal and contact information Contract fulfillment
Financial Services Financial and identification data Legal compliance
Platform Improvement Usage analytics and feedback Legitimate interest
Customer Support Communication records Contract fulfillment
  • Provide personalized financial education content based on your learning preferences and goals
  • Process transactions and maintain accurate financial records as required by law
  • Send important service updates, security alerts, and policy changes
  • Analyze platform usage to identify improvements and new feature opportunities
  • Prevent fraud, ensure security, and maintain the integrity of our financial services

Information Sharing and Disclosure

We maintain strict controls over information sharing and only disclose personal data when necessary for service delivery, legal compliance, or with your explicit consent. Your financial information is never sold to third parties for marketing purposes.

  • Service Providers: Trusted third parties who help us deliver services, such as payment processors, cloud hosting providers, and customer service platforms. All providers must meet our strict security and privacy standards.
  • Legal Requirements: Government agencies, regulators, or law enforcement when required by Australian law, court orders, or to protect against fraud and security threats.
  • Business Partners: With your consent, we may share relevant information with educational partners or financial institutions to provide enhanced services you've specifically requested.
  • Corporate Transactions: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the business transaction, with continued privacy protection obligations.

International Data Transfers

When we transfer data internationally, we ensure appropriate safeguards are in place through adequacy decisions, standard contractual clauses, or other approved transfer mechanisms under Australian privacy law.

Data Security and Protection

We implement comprehensive security measures to protect your information from unauthorized access, alteration, disclosure, or destruction. Our security practices are regularly reviewed and updated to address emerging threats.

  • Bank-level encryption for all data transmission and storage using AES-256 encryption standards
  • Multi-factor authentication requirements for account access and sensitive operations
  • Regular security audits and penetration testing by independent security firms
  • Employee training programs on data protection and privacy best practices
  • Secure data centers with physical access controls and environmental monitoring
  • Incident response procedures to quickly address any potential security breaches

Despite our robust security measures, no system can guarantee complete security. We encourage you to use strong, unique passwords and report any suspicious activity immediately to our security team.

Your Privacy Rights

Under Australian privacy law and international data protection regulations, you have significant rights regarding your personal information. We make it easy to exercise these rights through our customer portal and dedicated privacy team.

  • Access Rights: Request copies of all personal information we hold about you, including data sources and processing purposes. We typically provide this information within 30 days at no charge.
  • Correction Rights: Update or correct inaccurate personal information through your account settings or by contacting our support team directly.
  • Deletion Rights: Request deletion of your personal information when it's no longer needed for the original purpose, subject to legal retention requirements for financial records.
  • Portability Rights: Receive your personal data in a structured, machine-readable format to transfer to another service provider when technically feasible.
  • Objection Rights: Object to processing of your personal information for direct marketing or other purposes based on legitimate interests.

To exercise any of these rights, contact our Privacy Officer using the details provided below. We may need to verify your identity before processing requests to protect your personal information from unauthorized access.

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. Retention periods vary based on the type of information and applicable legal requirements.

Data Type Retention Period Deletion Method
Account Information 7 years after account closure Secure deletion and overwriting
Transaction Records 7 years (regulatory requirement) Secure archival then destruction
Marketing Communications Until consent withdrawn Immediate removal from systems
Website Analytics 26 months maximum Automated deletion

When we delete personal information, we use secure deletion methods that make data unrecoverable. Some information may be retained in anonymized form for statistical analysis and service improvement purposes.

Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your browsing experience, analyze site traffic, and personalize content. You can control cookie preferences through your browser settings or our cookie management tool.

  • Essential cookies required for basic website functionality and security
  • Performance cookies to analyze how visitors use our site and identify areas for improvement
  • Functional cookies to remember your preferences and provide personalized experiences
  • Marketing cookies to deliver relevant advertisements and measure campaign effectiveness

Most browsers automatically accept cookies, but you can modify your browser settings to decline cookies or alert you when cookies are being sent. Note that disabling certain cookies may limit some website functionality.

Third-Party Services and Links

Our website may contain links to third-party websites, applications, or services that have their own privacy policies. We're not responsible for the privacy practices of these external sites and encourage you to review their policies before sharing personal information.

Partner Integration

When you choose to use integrated third-party financial services through our platform, those providers may collect additional information subject to their own privacy policies. We clearly identify these integrations and obtain your consent before sharing any data.

Children's Privacy

Our financial services are designed for adults aged 18 and over. We do not knowingly collect personal information from individuals under 18 years of age. If we become aware that we have collected information from a minor, we will take steps to delete it promptly.

Parents or guardians who believe their child has provided personal information to us should contact our Privacy Officer immediately. We will investigate the matter and take appropriate action to protect the child's privacy.

Changes to This Privacy Policy

We may update this privacy policy periodically to reflect changes in our practices, technology, legal requirements, or business operations. When we make significant changes, we'll notify you through email, website notice, or other appropriate communication methods.

We encourage you to review this policy regularly to stay informed about how we protect your personal information. The "Last Updated" date at the top of this policy indicates when the most recent changes were made.

  • Minor updates may be made without notice for clarification or correction purposes
  • Material changes will be communicated at least 30 days before implementation
  • Continued use of our services after policy updates constitutes acceptance of the changes

Contact Our Privacy Team

Questions about this privacy policy or our data practices? We're here to help.

Privacy Officer
caloranuthivsa
43 Cavenagh St, Darwin City NT 0800, Australia

Phone: +61 3 6223 5216
Email: privacy@caloranuthivsa.com

We aim to respond to all privacy inquiries within 5 business days.