Who We Are

kynoraveth is a financial education platform based in Orange, New South Wales. We operate under Australian privacy law, specifically the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). Our registered address is Anson St, Orange NSW 2800, Australia.

When we say "we," "us," or "our" in this policy, we're referring to kynoraveth. When we say "you" or "your," we mean anyone who uses our website, registers for our courses, or interacts with our services.

Information We Collect

We collect different types of information depending on how you interact with us. Here's what we gather and why:

Information You Give Us Directly

When you sign up for our courses or contact us, you provide information voluntarily. This typically includes:

• Your full name and preferred contact details
• Email address and phone number
• Educational background and current financial knowledge level
• Course preferences and learning goals
• Payment information (though we don't store complete card details)
• Any questions or feedback you send through our contact forms

Information We Collect Automatically

Like most websites, we gather certain technical information when you visit our site. This helps us understand how people use our platform and where we can improve. We collect:

• IP address and general location data (city level, not your exact address)
• Browser type and device information
• Pages you visit and time spent on each section
• Links you click and content you download
• Referral source (how you found our website)

How We Use Your Information

We don't collect data just for the sake of it. Everything we gather serves a specific purpose related to providing and improving our educational services.

We occasionally send emails about new courses or updates to our platform. You can opt out of these marketing messages anytime by clicking the unsubscribe link at the bottom of any email. We'll still need to send you essential information about courses you've enrolled in, though.

Who We Share Your Information With

We don't sell your personal information. Period. But we do need to share limited data with certain trusted partners to run our business. Here's the complete picture:

Service Providers

We work with third-party companies that help us deliver our services. These include payment processors, email platforms, hosting providers, and analytics tools. They only get the information they need to do their job, and they're contractually required to protect your data.

Legal Requirements

Sometimes we're legally required to disclose information. This happens when we receive valid subpoenas, court orders, or other legal demands from Australian authorities. We'll notify you if this occurs unless we're legally prohibited from doing so.

Business Transfers

If kynoraveth is acquired by another company or merges with one, your information would likely be transferred as part of that transaction. We'd notify you before this happens and explain any choices you have.

Your Privacy Rights

Under Australian privacy law, you have specific rights regarding your personal information. Here's what you can do and how to exercise these rights:

To exercise any of these rights, send an email to help@kynoraveth.com with "Privacy Request" in the subject line. We'll verify your identity before processing any requests to protect against unauthorized access.

How We Protect Your Information

Security isn't just a checkbox for us. We use multiple layers of protection to keep your data safe from unauthorized access, loss, or misuse.

Technical Safeguards

• SSL encryption for all data transmitted between your browser and our servers
• Encrypted storage for sensitive information in our databases
• Regular security audits and vulnerability assessments
• Firewall protection and intrusion detection systems
• Secure authentication protocols with password hashing

Organizational Measures

• Limited employee access to personal data on a need-to-know basis
• Confidentiality agreements with all staff who handle personal information
• Regular privacy and security training for our team
• Clear data handling procedures and incident response protocols
• Regular backups stored in secure, geographically separate locations

Despite our precautions, no system is completely secure. If we experience a data breach that affects your information, we'll notify you and the relevant authorities as required by law. We'll also explain what happened and what steps we're taking to address it.

Data Retention

We don't keep your information forever. How long we retain data depends on why we collected it and whether we have a legal obligation to keep it.

Active Accounts

While your account is active, we keep your information to provide ongoing service. This includes course access, progress tracking, and communication history.

Closed Accounts

After you close your account, we retain certain information for up to 7 years to comply with Australian tax and business record requirements. This includes transaction records, receipts, and basic account details. Learning progress and course notes are deleted within 90 days of account closure.

Marketing Data

If you've only subscribed to our newsletter without creating an account, we keep your email and preferences until you unsubscribe. After that, we remove your information within 30 days.

Legal Hold

Sometimes we need to preserve data longer due to legal disputes, investigations, or regulatory requirements. In these cases, we retain relevant information until the matter is resolved.

International Data Transfers

Our primary servers are located in Australia. However, some of our service providers operate from other countries, which means your data might be processed or stored overseas.

When we transfer data internationally, we ensure adequate protections are in place. This includes using providers in countries with strong privacy laws and requiring contractual commitments to maintain Australian privacy standards.

By using our services, you acknowledge that your information may be transferred outside Australia. If you have concerns about this, contact us before providing your information.

Children's Privacy

Our courses are designed for adults. We don't knowingly collect information from anyone under 18 years old without parental consent. If you're under 18, please have a parent or guardian review this policy and provide consent before using our services.

If we discover we've collected information from a child without proper consent, we'll delete it immediately. Parents can contact us if they believe their child has provided us with personal information.

Changes to This Policy

We update this privacy policy occasionally to reflect changes in our practices or legal requirements. The "Last Updated" date at the top shows when the most recent changes were made.

If we make significant changes, we'll notify you by email (if you have an account) or by posting a prominent notice on our website. We encourage you to review this policy periodically to stay informed about how we're protecting your information.

Your continued use of our services after changes take effect means you accept the updated policy. If you don't agree with changes, you can close your account before they take effect.

Complaints and Disputes

If you believe we've mishandled your personal information or violated your privacy rights, please contact us first so we can try to resolve the issue. Most concerns can be addressed quickly through direct communication.

If you're not satisfied with our response, you have the right to lodge a complaint with the Office of the Australian Information Commissioner (OAIC). They're the independent authority responsible for privacy regulation in Australia.

You can reach the OAIC at:

• Phone: 1300 363 992
• Website: www.oaic.gov.au
• Mail: GPO Box 5218, Sydney NSW 2001