Privacy Policy
Your privacy matters to us - here's how we protect and handle your information
Last Updated: 15 March 2025
Introduction and Scope
kloventarios operates under Australian Privacy Principles (APPs) and complies with the Privacy Act 1988 (Cth). This policy explains how we collect, use, store, and protect your personal information when you use our budget variance analysis services and educational resources.
We're committed to being transparent about our data practices. This document covers all interactions with our website, services, and communications - whether you're browsing our resources, using our financial analysis tools, or participating in our educational programs.
By using our services, you acknowledge that you've read and understood this privacy policy. We update this policy regularly to reflect changes in our practices and legal requirements, so we recommend reviewing it periodically.
Information We Collect
Personal Information
We collect personal information that you voluntarily provide when engaging with our services. This helps us deliver personalized budget analysis and educational content tailored to your needs.
- Contact details including name, email address, phone number, and business address
- Business information such as company name, industry type, and role within organization
- Financial data when using our variance analysis tools (processed securely and anonymized)
- Educational background and learning preferences for program customization
- Communication preferences and subscription choices
- Payment information for paid services (processed through secure third-party providers)
Technical Information
Our systems automatically collect certain technical information to improve service performance and user experience.
- IP address, browser type, operating system, and device information
- Website usage patterns, page views, and time spent on different sections
- Referral sources and search terms that brought you to our website
- Cookies and similar tracking technologies for functionality and analytics
- Login information and user preferences for registered accounts
How We Use Your Information
We use collected information to provide and improve our budget variance analysis services and educational programs. Here's how your information helps us serve you better:
| Purpose | Information Used | Legal Basis |
|---|---|---|
| Service Delivery | Contact details, business information, financial data | Contract performance |
| Educational Content | Learning preferences, educational background | Legitimate interest |
| Communication | Email, phone, communication preferences | Consent |
| Website Improvement | Technical information, usage patterns | Legitimate interest |
| Security | IP address, login information | Legitimate interest |
We never sell your personal information to third parties. Any data sharing occurs only with trusted service providers who help us deliver our services, and always under strict confidentiality agreements.
Data Storage and Security
Your information security is our priority. We maintain comprehensive safeguards to protect your data from unauthorized access, alteration, disclosure, or destruction.
Security Measures
- SSL encryption for all data transmission between your browser and our servers
- Secure cloud storage with Australian-based data centers meeting ISO 27001 standards
- Regular security audits and vulnerability assessments by independent third parties
- Multi-factor authentication for admin access and sensitive operations
- Employee background checks and mandatory privacy training for all staff
- Automated backup systems with encrypted off-site storage for data recovery
Data Retention
We retain your information only as long as necessary to fulfill the purposes outlined in this policy or as required by Australian law. Financial records are typically retained for seven years, while marketing communications are kept until you unsubscribe or request deletion.
Your Privacy Rights
Under Australian privacy law, you have several rights regarding your personal information. We've made it easy to exercise these rights through clear processes and dedicated support.
Access Your Data
Request a copy of all personal information we hold about you. We'll provide this within 30 days in a commonly used electronic format.
Correct Information
Ask us to update or correct any inaccurate or incomplete personal information. You can also update many details directly through your account settings.
Delete Your Data
Request deletion of your personal information, subject to legal retention requirements. We'll confirm completion of deletion within 30 days.
Withdraw Consent
Unsubscribe from marketing communications or withdraw consent for optional data processing activities at any time without affecting other services.
Data Portability
Receive your data in a structured, machine-readable format to transfer to another service provider if technically feasible.
Lodge Complaints
Contact us directly or lodge a complaint with the Office of the Australian Information Commissioner if you're concerned about our privacy practices.
Third-Party Services
We work with trusted third-party service providers to deliver comprehensive budget analysis and educational services. Each provider is carefully selected and bound by strict data protection agreements.
Service Provider Categories
- Payment processors for secure transaction handling (Stripe, PayPal)
- Email service providers for educational content delivery and communications
- Cloud hosting services for website and application infrastructure
- Analytics providers to understand website usage and improve user experience
- Educational platform providers for online learning management
- Customer support tools for efficient inquiry handling and resolution
These providers may have their own privacy policies. We recommend reviewing their practices, especially for services where you create direct accounts or provide information independently.
Cookies and Tracking
We use cookies and similar technologies to enhance your browsing experience and provide personalized content. You have control over these technologies through your browser settings.
| Cookie Type | Purpose | Duration |
|---|---|---|
| Essential | Website functionality, security, user preferences | Session/1 year |
| Analytics | Website performance monitoring and improvement | 2 years |
| Marketing | Personalized content and relevant educational recommendations | 1 year |
You can disable cookies through your browser settings, though this may limit some website functionality. Most browsers also offer "Do Not Track" options which we respect.
International Data Transfers
While we primarily store data within Australia, some service providers may process information internationally. When this occurs, we ensure adequate protection through contractual safeguards and compliance with Australian privacy requirements for overseas data transfers.
Children's Privacy
Our services are designed for business professionals and individuals seeking financial education. We don't knowingly collect personal information from children under 13 years of age.
If you believe we've inadvertently collected information from a child under 13, please contact us immediately. We'll investigate and delete any such information promptly while taking steps to prevent future occurrences.
Policy Updates
We review and update this privacy policy regularly to reflect changes in our practices, services, or legal requirements. Significant changes will be communicated through email notifications and website announcements.
Minor updates, such as clarifications or contact information changes, will be reflected in the "Last Updated" date at the top of this policy. We encourage periodic review to stay informed about how we protect your information.
Continued use of our services after policy updates indicates acceptance of the revised terms. If you disagree with changes, you can discontinue using our services or contact us to discuss your concerns.
Contact Us About Privacy
Questions about this privacy policy or how we handle your information? We're here to help with clear answers and prompt assistance.
We aim to respond to all privacy inquiries within 5 business days. For urgent matters involving potential data breaches or security concerns, please call our support line directly.