carnilostera

Introduction and Overview

carnilostera is committed to protecting your privacy and personal information. This privacy policy explains how we collect, use, store, and protect information when you visit our website or use our budget planning services. We understand that managing personal finances requires trust, and we take that responsibility seriously.

This policy applies to all interactions with carnilostera, including our website at carnilostera.com, email communications, phone consultations, and any related services we provide. By using our services, you agree to the collection and use of information as outlined in this policy.

We operate under Australian privacy laws and regulations, including the Privacy Act 1988 and Australian Privacy Principles (APPs), ensuring your personal information receives comprehensive legal protection.

Information We Collect

Personal Information

We collect personal information that you voluntarily provide when contacting us or using our services. This includes your name, email address, phone number, postal address, and financial information relevant to budget planning consultation.

Website Usage Information

Our website automatically collects certain technical information including your IP address, browser type, device information, pages visited, time spent on pages, and referring websites. This helps us understand how visitors use our site and improve user experience.

Contact form submissions and inquiry details
Email correspondence and communication preferences
Financial information shared during consultations
Feedback and survey responses
Website analytics and user behavior data
Cookie information and site preferences

How We Use Your Information

Your personal information is used specifically to provide budget planning services and maintain professional relationships with our clients. We use your information to respond to inquiries, schedule consultations, provide financial advice, and send relevant updates about our services.

Primary Uses

Responding to contact form submissions and phone inquiries
Scheduling and conducting budget planning consultations
Providing personalized financial advice and recommendations
Sending follow-up information and service updates
Improving our website and service offerings
Maintaining client records for ongoing service provision

We never use your personal information for purposes unrelated to our budget planning services without your explicit consent. Your financial information remains strictly confidential and is used solely for providing advice and recommendations.

Information Sharing and Disclosure

carnilostera does not sell, rent, or trade personal information to third parties. We maintain strict confidentiality regarding all client information and financial details shared during consultations.

Limited Sharing Circumstances

We may share information only in specific circumstances required by law or necessary for service provision:

When required by Australian law or legal proceedings
With professional service providers bound by confidentiality agreements
To protect against fraud or unauthorized access
With your explicit written consent for specific purposes

Any third-party service providers we work with are carefully selected and bound by strict confidentiality agreements that meet Australian privacy standards. These relationships are limited to technical support, data storage, and communication services necessary for our operations.

Data Security and Protection

We implement comprehensive security measures to protect your personal and financial information from unauthorized access, alteration, disclosure, or destruction. Our security practices include encryption, secure data storage, regular security updates, and access controls.

Security Measures

SSL encryption for all website communications
Secure data storage with Australian-based providers
Regular security audits and system updates
Limited access controls for staff and contractors
Secure disposal of physical and digital records
Regular backups with encrypted storage

While we maintain high security standards, no internet transmission is completely secure. We encourage you to use secure internet connections when sharing sensitive information and to contact us immediately if you suspect any unauthorized access to your information.

Your Privacy Rights

Under Australian privacy law, you have specific rights regarding your personal information. We respect these rights and provide clear processes for exercising them.

Your Rights Include

Right to access personal information we hold about you
Right to request correction of inaccurate information
Right to request deletion of personal information
Right to restrict processing of your information
Right to withdraw consent for optional data uses
Right to file complaints about privacy practices

To exercise these rights, contact us using the information provided below. We will respond to requests within 30 days and provide clear information about any actions taken. Some requests may require verification of your identity to protect your information.

You can update your communication preferences, request information deletion, or opt out of non-essential communications at any time without affecting ongoing service provision.

Data Retention and Deletion

We retain personal information only for as long as necessary to provide services, meet legal requirements, and maintain legitimate business records. Different types of information have different retention periods based on their purpose and legal requirements.

Retention Periods

Contact inquiries: 3 years from last contact
Client consultation records: 7 years from service completion
Website analytics: 2 years from collection
Email communications: 5 years from last interaction
Financial advice records: 7 years (regulatory requirement)

After retention periods expire, we securely delete or anonymize personal information. You can request earlier deletion of information not required for legal or regulatory purposes. We maintain detailed records of data deletion activities for compliance purposes.

Cookies and Website Technology

Our website uses cookies and similar technologies to enhance user experience and gather analytics information. These technologies help us understand how visitors interact with our site and improve functionality.

Cookie Types

Essential cookies for website functionality
Analytics cookies to understand site usage
Preference cookies to remember your settings
Performance cookies to optimize site speed

You can control cookie settings through your browser preferences. Disabling certain cookies may affect website functionality, but will not prevent access to our core content and contact information.

Changes to This Policy

We review and update this privacy policy regularly to reflect changes in our practices, technology, and legal requirements. Any significant changes will be communicated to existing clients via email, and the updated policy will be posted on our website with a revised date.

Minor updates for clarity or regulatory compliance may be made without individual notification, but all changes will be clearly marked with update dates. We encourage you to review this policy periodically to stay informed about how we protect your information.

Privacy Policy