Privacy Policy

Information We Collect

When you use our budget risk management services, we need certain information to help you effectively. But we only collect what's necessary—nothing more.

Personal Details You Provide

This includes basic information like your name, email address, phone number, and business details when you sign up or contact us. If you enroll in our learning programs, we'll also collect educational records and progress information.

Financial Information

Since we work with budget risk management, we collect financial data you share with us for analysis purposes. This might include budget figures, spending patterns, and risk assessment details. We never store complete payment card information on our servers—that's handled by secure payment processors.

Automated Collection

Like most websites, we automatically collect some technical information when you visit. This includes your IP address, browser type, device information, and how you interact with our site. We use this to improve our services and understand what's working.

How We Use Your Information

Everything we collect serves a purpose. Here's what we actually do with your data:

• Provide you with our budget risk management services and learning programs
• Communicate with you about your account, courses, or inquiries
• Analyze and improve how our services work
• Send you relevant updates about new features or educational content (you can opt out anytime)
• Comply with legal obligations under Australian law
• Protect against fraud and maintain security

We don't sell your personal information to anyone. That's not our business model, and frankly, we think it's a terrible practice.

Sharing and Disclosure

We keep your information private, but there are a few situations where we might share it:

Service Providers

We work with trusted third parties who help us run our services—things like hosting providers, payment processors, and email services. These companies only access the information they need to do their job, and they're contractually required to keep it secure.

Legal Requirements

If we're required by Australian law or court order to disclose information, we will. We may also share information if we reasonably believe it's necessary to prevent harm or investigate potential violations.

Business Transfers

If qorinavelos is acquired or merged with another company, your information would be transferred as part of that transaction. We'd notify you before this happens.

Data Storage and Security

We store your information on secure servers located in Australia. Our hosting infrastructure uses industry-standard security measures including encryption, firewalls, and access controls.

That said, no system is completely secure. While we take reasonable precautions to protect your data, we can't guarantee absolute security. You play a role too—keep your login credentials private and let us know immediately if you notice anything suspicious.

Your Rights and Choices

Under Australian privacy law, you have several rights regarding your personal information:

Access and Correction

You can request a copy of the personal information we hold about you. If anything's incorrect or outdated, you have the right to ask us to fix it. We'll respond to these requests within 30 days.

Deletion

You can request that we delete your personal information. We'll honor this unless we're legally required to keep certain records. Some information may remain in backup systems for a limited time.

Marketing Communications

Don't want to receive our newsletters or updates? No problem. Every marketing email includes an unsubscribe link, or you can contact us directly. You'll still receive essential account-related communications.

Complaints

If you're unhappy with how we've handled your information, please contact us first so we can address your concerns. If you're still not satisfied, you have the right to lodge a complaint with the Office of the Australian Information Commissioner (OAIC).

Cookies and Tracking

We use cookies and similar technologies to make our website work properly and understand how people use it. This helps us improve the experience for everyone.

Most browsers let you control cookies through their settings. You can block or delete cookies, though this might affect how some features work. We use both session cookies (which expire when you close your browser) and persistent cookies (which stay on your device for a set period).

Children's Privacy

Our services aren't intended for anyone under 18. We don't knowingly collect personal information from children. If we discover we've accidentally collected information from someone under 18, we'll delete it promptly.

International Data Transfers

Your information is primarily stored and processed in Australia. However, some of our service providers operate globally, which means your data might be transferred to or accessed from other countries. When this happens, we ensure appropriate safeguards are in place to protect your information according to Australian privacy standards.

Changes to This Policy

We'll update this privacy policy from time to time as our services evolve or laws change. When we make significant changes, we'll notify you by email or through a prominent notice on our website. The "Last updated" date at the top of this page shows when the most recent changes were made.

By continuing to use our services after changes take effect, you're accepting the updated policy. If you disagree with the changes, you should stop using our services and contact us about closing your account.