Last Updated: January 15, 2025
At carvonaelio, we believe your financial information deserves serious protection. This policy explains how we handle your data when you use our finance awareness platform.
carvonaelio operates from Karabah Shopping Mall in Queanbeyan, NSW. We're bound by the Australian Privacy Principles under the Privacy Act 1988 (Cth). This policy applies to anyone who visits our website, signs up for our educational programs, or contacts us about financial literacy services.
We don't sell personal information. Never have, never will. But we do collect some data to run our programs properly and help people build better financial habits.
Different interactions mean different data. Here's what we typically gather:
Basic technical stuff gets logged automatically—your IP address, browser type, pages visited, time spent on each section. We use this to understand what content actually helps people and where folks get stuck.
If you reach out or sign up for our learning programs, we'll need:
About Financial Information: We don't ask for bank account numbers, credit card details, or specific income amounts unless absolutely necessary for a particular program component. Even then, we'll explain exactly why we need it and how it'll be protected.
Sometimes we receive data from education partners or payment processors. This might include enrollment confirmations, program completion records, or payment verification. We only accept this information when you've given those organizations permission to share it.
Everything we collect serves a purpose. Here's the breakdown:
| Purpose | What This Means |
|---|---|
| Program Delivery | Sending course materials, scheduling sessions, tracking progress through learning modules |
| Communication | Answering questions, sending updates about your programs, sharing relevant financial education resources |
| Improvement | Analyzing which teaching methods work, identifying common financial challenges, refining our curriculum |
| Legal Compliance | Meeting Australian financial education standards, maintaining records as required by law |
We don't use your information for advertising purposes or share it with marketing companies. If we want to send you information about new programs, we'll ask permission first.
Your information lives on secure servers located in Australia. We use industry-standard encryption for data transmission and storage. Access is restricted to staff members who actually need it to do their jobs.
Our team receives regular training on data handling. We run security audits twice yearly and update our systems promptly when vulnerabilities are identified. Passwords are hashed, connections are encrypted, and we maintain detailed access logs.
Real Talk About Security: No system is 100% breach-proof. We take precautions seriously, but if something does go wrong, we'll notify affected individuals within 72 hours and report to the Office of the Australian Information Commissioner as required.
The Privacy Act gives you specific rights. We don't just acknowledge these—we've built systems to make them easy to exercise.
Request a complete copy of what we hold about you. We'll provide it within 30 days in a readable format.
If something's wrong or outdated, tell us and we'll fix it. You shouldn't have incorrect information sitting in our systems.
Ask us to remove your data. We'll comply unless we have a legal reason to keep it—and we'll explain if that's the case.
Want us to stop using your data for certain purposes? We can restrict how we handle your information while keeping your account active.
Moving to another education provider? We'll give you your data in a format you can take elsewhere.
Unhappy with how we handled something? Contact us first, but you can also complain directly to the OAIC.
To exercise any of these rights, email us at contact@carvonaelio.com with "Privacy Request" in the subject line. We'll verify your identity (usually just confirming a few account details) and process your request.
We keep your data close. But there are a few situations where sharing happens:
Our email platform, payment processor, and learning management system need access to certain data to function. These companies work under strict contracts that prohibit them from using your information for anything beyond the specific services they provide us.
If law enforcement shows up with a valid warrant or we're legally required to disclose information, we'll comply. We'll notify you unless prohibited by law from doing so.
If carvonaelio is acquired or merges with another organization, your data would transfer as part of that transaction. You'd be notified and given options before this happened.
Any other sharing requires your explicit permission. We'll explain who's receiving the data, why, and how they'll use it before asking for consent.
Retention periods vary based on data type and legal requirements:
When data reaches its retention limit, it's permanently deleted from our systems and backups. We don't archive indefinitely "just in case."
We use cookies to remember your preferences and understand how people use our site. Essential cookies keep you logged in and remember your settings. Analytics cookies help us see which resources get used most.
You can disable cookies through your browser settings. The site will still work, though you'll need to re-enter preferences each visit.
We don't use advertising cookies or sell browsing data to third parties. The tracking we do is strictly for improving our educational content.
Your data stays in Australia. Our servers are here, our staff are here, and we don't transfer information offshore. If this ever changes, we'll update this policy and notify active users beforehand.
Some of our service providers operate globally, which means your data might technically pass through international infrastructure. But it's encrypted in transit and these providers are contractually bound to Australian privacy standards.
Our programs are designed for adults. We don't knowingly collect information from anyone under 18 without parental consent. If we discover we've inadvertently gathered data from a minor, we'll delete it immediately.
Parents or guardians enrolling minors in family finance programs must provide consent and manage their child's account.
We review this policy annually and update it when our practices change. Significant modifications trigger email notifications to active users. Minor clarifications just get posted here with an updated date.
Previous versions are archived and available on request if you want to see what changed over time.
Something unclear? Concerned about how we handled your information? Start by contacting us directly. Most privacy concerns get resolved quickly through straightforward conversation.
If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner. They're independent and investigate privacy concerns about Australian organizations.
Email: contact@carvonaelio.com
Phone: +61 410 308 369
Mail: carvonaelio, Karabah Shopping Mall, Queanbeyan, NSW, 2620, Australia
We respond to privacy inquiries within 5 business days.