Privacy Policy
Last updated: February 15, 2025
Introduction and Overview
calivorite operates as a financial fraud prevention education platform, helping Australians understand and protect themselves from financial scams and fraudulent activities. We're committed to protecting your privacy and handling your personal information responsibly.
This Privacy Policy explains how we collect, use, store, and protect your personal information when you visit our website, participate in our educational programs, or interact with our services. We operate under Australian Privacy Principles (APPs) as outlined in the Privacy Act 1988 (Cth).
Your privacy matters to us. We only collect information necessary to provide effective fraud prevention education and will never sell your personal data to third parties.
Information We Collect
Personal Information
When you register for our educational programs or contact us, we may collect:
- Full name and contact details (email address, phone number)
- Residential address (suburb and postcode for program targeting)
- Age group and demographic information relevant to fraud prevention
- Educational background and current knowledge level
- Specific fraud concerns or experiences (if voluntarily shared)
Technical Information
Our website automatically collects certain technical information including:
- IP address and geographic location (city/state level only)
- Browser type, version, and operating system
- Pages visited, time spent on site, and navigation patterns
- Device information and screen resolution
- Referral source (how you found our website)
| Data Type | Purpose | Retention Period |
|---|---|---|
| Contact Information | Program enrollment and communication | 3 years after program completion |
| Educational Progress | Personalized learning and assessment | 5 years for certification records |
| Website Analytics | Site improvement and user experience | 26 months (Google Analytics standard) |
| Support Communications | Issue resolution and service improvement | 2 years after issue resolution |
How We Use Your Information
We use your personal information exclusively for legitimate educational and fraud prevention purposes:
- Delivering personalized fraud prevention education programs
- Sending course materials, updates, and educational resources
- Tracking learning progress and issuing completion certificates
- Providing technical support and responding to inquiries
- Improving our educational content based on user feedback
- Complying with legal obligations and regulatory requirements
- Conducting research to enhance fraud prevention education (anonymized data only)
We never use your information for marketing unrelated products or services. All communications focus on fraud prevention education and program updates.
Information Sharing and Disclosure
calivorite does not sell, rent, or trade your personal information to third parties. We may share limited information only in these specific circumstances:
Service Providers
We work with trusted Australian service providers who help deliver our educational programs:
- Learning management system providers (for course delivery)
- Email service providers (for educational communications)
- Payment processors (for secure transaction processing)
- Cloud storage providers (for secure data hosting)
All service providers are contractually bound to protect your information and use it only for specified purposes.
Legal Requirements
We may disclose information when required by Australian law, including:
- Court orders or legal processes
- Law enforcement investigations related to financial crimes
- Australian Securities and Investments Commission (ASIC) inquiries
- Australian Transaction Reports and Analysis Centre (AUSTRAC) reporting
Your Privacy Rights
Under Australian privacy law, you have several important rights regarding your personal information:
Access Your Data
Request a copy of all personal information we hold about you, including how it's been used and who it's been shared with.
Correct Information
Update or correct any inaccurate or outdated personal information in our records at any time.
Delete Your Data
Request deletion of your personal information, subject to legal retention requirements for educational records.
Portable Data
Receive your personal information in a structured, commonly used format for transfer to another service.
Opt-Out Options
Unsubscribe from non-essential communications while maintaining access to important program updates.
File Complaints
Lodge complaints about privacy breaches with us directly or with the Office of the Australian Information Commissioner.
To exercise any of these rights, contact us using the details provided at the end of this policy. We'll respond to your request within 30 days and provide clear information about any limitations or exceptions that may apply.
Data Security and Protection
Protecting your personal information is fundamental to our operations. We implement comprehensive security measures:
Technical Safeguards
- SSL/TLS encryption for all data transmission
- AES-256 encryption for stored personal information
- Multi-factor authentication for staff access
- Regular security audits and penetration testing
- Automated backup systems with encryption
- Firewall protection and intrusion detection systems
Administrative Controls
- Staff privacy training and confidentiality agreements
- Role-based access controls limiting data exposure
- Regular privacy impact assessments
- Incident response procedures for data breaches
- Secure disposal of physical and electronic records
In the unlikely event of a data breach affecting your personal information, we'll notify you and relevant authorities within 72 hours as required by Australian privacy law.
Cookies and Tracking Technologies
Our website uses cookies and similar technologies to enhance your learning experience and improve our educational services:
| Cookie Type | Purpose | Duration |
|---|---|---|
| Essential Cookies | Site functionality and security | Session only |
| Analytics Cookies | Understanding user behavior and site improvement | 26 months |
| Learning Progress | Tracking course completion and bookmarking | Until program completion + 3 years |
| Preference Cookies | Remembering user settings and preferences | 12 months |
You can control cookie settings through your browser preferences. However, disabling certain cookies may limit some website functionality, particularly in our educational modules.
International Data Transfers
calivorite primarily stores and processes your information within Australia using Australian-based servers and service providers. When we work with international service providers for specific educational tools or technologies, we ensure:
- Adequate data protection standards equivalent to Australian privacy law
- Contractual commitments to protect your information
- Transparent disclosure of any international data processing
- Your right to object to international transfers where possible
Current international service providers include educational technology platforms based in the United States and European Union, all of which maintain strong privacy protections and comply with their respective data protection regulations.
Children's Privacy
Our fraud prevention education programs are designed for adults aged 18 and over. We do not knowingly collect personal information from children under 18 years of age.
If we become aware that we have inadvertently collected information from someone under 18, we will delete that information promptly. Parents or guardians who believe their child may have provided personal information to us should contact us immediately.
For young people aged 16-18 interested in financial fraud prevention, we recommend consulting with parents or guardians before participating in our programs.
Changes to This Privacy Policy
We review and update this Privacy Policy regularly to reflect changes in our educational services, technology, or legal requirements. When we make significant changes, we'll notify you through:
- Email notification to registered users
- Prominent notice on our website homepage
- Direct communication during program enrollment
- Updated version date at the top of this policy
Continued use of our services after changes take effect indicates your acceptance of the updated policy. If you disagree with changes, you can exercise your data deletion rights or discontinue using our services.
Contact Information and Privacy Inquiries
For questions, concerns, or requests regarding this Privacy Policy or your personal information, please contact our Privacy Officer:
Level 1/93 Bathurst St
Sydney NSW 2000
Australia
Phone: +61 456 672 749
Response Time: Within 5 business days
If you're not satisfied with our response to privacy concerns, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au or by calling 1300 363 992.
We're committed to resolving privacy concerns promptly and transparently. Most inquiries are resolved within our initial response timeframe.