Privacy Policy

Last Updated: March 2025

At qarolinthes, we take your privacy seriously. This policy explains how we collect, use, and protect your personal information when you use our liquidity and solvency analysis educational services. We're committed to transparency and compliance with Australian privacy laws, including the Privacy Act 1988 and the Australian Privacy Principles.

Information We Collect

We collect different types of information depending on how you interact with our educational platform. Some information you provide directly, while other data is collected automatically as you navigate our services.

Personal Information You Provide

When you register for courses or contact us, you might share:

  • Full name and preferred contact details
  • Email address and phone number
  • Educational background and professional experience
  • Payment information for course enrollment
  • Communication preferences and feedback

Automatically Collected Data

Our platform collects technical information to improve your learning experience:

  • IP address and browser type
  • Device information and operating system
  • Course progress and completion rates
  • Time spent on learning modules
  • Search queries and navigation patterns

How We Use Your Information

Your data helps us deliver better educational experiences. We're not in the business of selling information – we use it to support your learning journey and improve our services.

Purpose Details
Course Delivery Processing enrollments, tracking progress, issuing certificates
Communication Sending course updates, educational content, support responses
Platform Improvement Analyzing usage patterns to enhance learning materials
Payment Processing Managing transactions and maintaining financial records
Legal Compliance Meeting Australian regulatory requirements

We don't use your personal information for automated decision-making that would significantly impact your access to education. If our practices change, we'll notify you beforehand.

Data Sharing and Disclosure

We're selective about who gets access to your information. Here's the full picture of when and why we might share your data.

Service Providers

We work with trusted third parties who help us run our platform. These include payment processors, email service providers, and cloud hosting companies. They can only use your data to perform specific services for us, and they're contractually obligated to protect your information.

Legal Requirements

Sometimes we're legally required to disclose information. This might happen if:

  • We receive a valid court order or subpoena
  • We need to protect someone's safety or prevent fraud
  • We're responding to government regulatory inquiries
  • We need to enforce our terms of service

We don't sell, rent, or trade your personal information to third parties for marketing purposes. That's not our business model, and it never will be.

Your Rights Under Australian Law

Australian privacy legislation gives you significant control over your personal information. Here's what you can do.

Access and Correction

You can request access to the personal information we hold about you. If something's incorrect or outdated, you have the right to ask us to fix it. We'll respond to access requests within 30 days, though complex requests might take a bit longer.

Data Portability

Want to move your data elsewhere? You can request a copy of your information in a commonly used electronic format. This includes your course history, progress records, and profile information.

Deletion Requests

You can ask us to delete your personal information, though we might need to keep some records for legal or legitimate business reasons. For example, we retain financial transaction records for tax purposes as required by Australian law.

To exercise any of these rights, contact our privacy team using the details at the bottom of this page. We'll need to verify your identity before processing requests – this protects your information from unauthorized access.

Data Security Measures

Protecting your information is something we take seriously. We use multiple layers of security to keep your data safe from unauthorized access, disclosure, or loss.

  • Encryption: All data transmitted to and from our platform uses industry-standard SSL/TLS encryption
  • Access Controls: Only authorized staff can access personal information, and only when necessary
  • Regular Audits: We conduct security assessments and update our systems regularly
  • Secure Infrastructure: Our servers are hosted in Australian data centers with physical security measures
  • Staff Training: Our team receives regular privacy and security training

While we implement strong security measures, no system is completely impenetrable. If we experience a data breach that's likely to result in serious harm, we'll notify you and the Office of the Australian Information Commissioner as required by law.

Data Retention Periods

We don't keep your information forever. Different types of data have different retention periods based on legal requirements and practical needs.

Data Type Retention Period
Course enrollment records 7 years after course completion
Financial transaction data 7 years (Australian tax law requirement)
Email communications 3 years unless you request earlier deletion
Website analytics data 26 months from collection
Marketing preferences Until you withdraw consent or close your account

After these periods expire, we securely delete or anonymize your information. Some data might be retained in anonymized form for statistical analysis and service improvement.

International Data Transfers

We primarily store and process data within Australia. However, some of our service providers operate internationally, which means your information might be transferred outside Australia.

When we transfer data internationally, we ensure adequate protection through:

  • Using service providers in countries with substantially similar privacy laws
  • Implementing contractual safeguards that require overseas recipients to protect your data
  • Conducting due diligence on our international partners

You can request specific information about where your data is stored and processed by contacting our privacy team.

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to improve your experience and understand how you use our services. Most of these are essential for the platform to function properly.

Essential Cookies

These cookies are necessary for basic site functionality. They remember your login status, course progress, and preferences. You can't opt out of these if you want to use our services.

Analytics Cookies

We use analytics tools to understand how students interact with our content. This helps us identify which learning materials work well and which need improvement. These cookies don't identify you personally – they collect aggregated data about usage patterns.

You can control cookie settings through your browser preferences. Keep in mind that blocking certain cookies might affect your ability to use some features of our platform.

Marketing Communications

We'll send you marketing emails only if you've opted in or if we have a legitimate interest (like informing existing students about new courses related to their studies).

Every marketing email includes an unsubscribe link. You can also manage your communication preferences through your account settings or by contacting us directly. Opting out of marketing doesn't affect essential communications about courses you're enrolled in.

Children's Privacy

Our educational services are designed for adults. We don't knowingly collect personal information from anyone under 18 without parental consent. If you believe we've inadvertently collected data from a minor, please contact us immediately so we can delete it.

Changes to This Policy

We update this privacy policy occasionally to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you by email and display a prominent notice on our website.

The "Last Updated" date at the top of this page shows when we last revised the policy. We encourage you to review it periodically to stay informed about how we protect your information.

Complaints and Disputes

If you have concerns about how we handle your personal information, please contact us first. We'll investigate your complaint and respond within a reasonable timeframe, usually within 30 days.

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). You can reach them at:

Office of the Australian Information Commissioner
GPO Box 5218, Sydney NSW 2001
Phone: 1300 363 992
Website: www.oaic.gov.au

Privacy Questions?

Our privacy team is here to help with any questions or concerns about your personal information.

qarolinthes Privacy Officer
134 Marius St, Tamworth NSW 2340, Australia
+61 3 9469 4640
support@qarolinthes.com

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

This privacy policy is governed by Australian law and complies with the Privacy Act 1988 (Cth) and the Australian Privacy Principles. For questions about how this policy applies to your specific situation, please contact our privacy team.