Privacy Policy
Effective Date: 15 January 2025
At aniromiheari, your privacy matters to us. We know that managing family finances means trusting us with sensitive personal information, and we take that responsibility seriously.
This policy explains how we collect, use, store, and protect your information when you use our family budgeting education services. We comply with the Australian Privacy Principles under the Privacy Act 1988 and keep things as transparent as possible.
Information We Collect
We collect different types of information depending on how you interact with our services. Here's what we typically gather and why we need it.
Personal Information You Provide
When you sign up for our courses or contact us, you might share:
- Contact details: Your name, email address, phone number, and postal address
- Account information: Username, password, and security preferences
- Payment details: Credit card information or bank account details for course payments
- Educational background: Previous experience with budgeting, financial goals, family composition
- Communication records: Messages you send us, feedback forms, and support requests
Information We Collect Automatically
When you use our website or learning platform, we automatically gather technical information like:
- Your IP address and device type
- Browser information and operating system
- Pages you visit and how long you spend on them
- Course progress and completion rates
- Quiz scores and assignment submissions
- Login times and session duration
We use cookies and similar tracking tools to improve your experience. You can control cookie settings through your browser, though some features might not work properly if you disable them.
How We Use Your Information
We only use your data for legitimate purposes connected to our educational services. Here's the breakdown.
| Purpose | Details |
|---|---|
| Providing Our Services | Managing your account, delivering course content, tracking your progress, issuing certificates |
| Communication | Sending course updates, responding to inquiries, sharing important policy changes |
| Payment Processing | Processing course fees, managing subscriptions, issuing refunds when applicable |
| Improving Services | Analyzing learning patterns, developing better course materials, fixing technical issues |
| Legal Compliance | Meeting Australian regulatory requirements, responding to legal requests, protecting our rights |
We don't sell your personal information to third parties. Period. We might share data with service providers who help us run our platform, but they're contractually obligated to protect your information just as we do.
Who We Share Your Information With
Sometimes we need to share information with trusted partners to keep things running smoothly. Here's who might see your data.
Service Providers
- Payment processors: Secure payment gateways that handle transactions
- Email services: Platforms that send course updates and educational content
- Cloud hosting: Servers where we store your data securely
- Analytics tools: Services that help us understand how people use our platform
- Customer support: Tools that help us respond to your questions efficiently
Legal Requirements
We might disclose your information if required by Australian law, court orders, or government authorities. We'll resist overly broad requests and notify you when legally permitted to do so.
Business Transfers
If aniromiheari merges with another company or sells assets, your information might be transferred. We'd notify you beforehand and ensure the new owner respects this privacy policy.
Your Privacy Rights
Under Australian privacy law, you have several rights regarding your personal information. Here's what you can do and how to do it.
Access Your Data
You can request a copy of all personal information we hold about you. We'll provide it within 30 days, usually in a readable electronic format.
Correct Information
Found something inaccurate? Let us know and we'll fix it. You can update most details directly through your account settings.
Delete Your Data
You can request deletion of your personal information, though we might need to keep some records for legal or administrative purposes.
Restrict Processing
Ask us to limit how we use your information while we address a concern you've raised about accuracy or processing.
Object to Processing
You can object to certain uses of your information, particularly for marketing purposes. We'll honor your request unless we have compelling legal grounds.
Data Portability
Request your data in a portable format to transfer to another service. We'll provide it in a commonly used electronic format.
To exercise any of these rights, email us at contact@aniromiheari.com with your request. We'll verify your identity and respond within 30 days. There's no charge unless your request is clearly excessive or repetitive.
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, theft, or misuse.
Technical Safeguards
- Industry-standard encryption for data transmission and storage
- Secure socket layer technology for all payment transactions
- Regular security audits and vulnerability assessments
- Firewalls and intrusion detection systems
- Automated backup systems with secure off-site storage
Administrative Safeguards
- Limited employee access to personal information
- Mandatory privacy training for all staff members
- Strict confidentiality agreements with service providers
- Regular review and update of security policies
- Incident response procedures for potential breaches
Despite our best efforts, no security system is perfect. If we experience a data breach affecting your information, we'll notify you and the relevant authorities as required by Australian law, typically within 72 hours of becoming aware.
Data Retention and Deletion
We don't keep your information forever. Here's how long we retain different types of data and why.
Active Account Data
While your account is active, we keep your information to provide ongoing services and support. This includes your profile, course progress, and communication history.
Inactive Accounts
If you haven't logged in for 3 years, we'll send reminder emails before archiving your account. Archived data is kept for an additional 2 years before permanent deletion, unless you reactivate sooner.
Financial Records
Australian tax law requires us to keep payment records for 7 years. After that period, we securely delete financial information unless legal obligations require longer retention.
Legal and Dispute Records
Information related to legal claims, disputes, or investigations is retained until the matter is resolved plus the applicable statute of limitations period.
Want to close your account completely? Contact us and we'll delete your data within 30 days, except where legal retention requirements apply. You'll receive confirmation once deletion is complete.
International Data Transfers
We're based in Australia and store most data locally. However, some of our service providers operate overseas, which means your information might be processed outside Australia.
When we transfer data internationally, we ensure adequate protections are in place. This might include:
- Contractual clauses requiring overseas providers to maintain Australian privacy standards
- Verification that recipient countries have substantially similar privacy laws
- Your explicit consent when required by Australian privacy law
- Additional security measures for sensitive information
Our primary cloud hosting is within Australia, and we've carefully vetted international partners to ensure they respect your privacy rights.
Children's Privacy
Our services are designed for adults managing family finances. While parents often use our courses to teach budgeting skills to teenagers, we don't knowingly collect personal information from children under 13.
If a parent wants their teenager to use our platform, the parent must create the account and supervise its use. If we discover we've inadvertently collected information from a child under 13, we'll delete it promptly.
For users aged 13-17, we require parental consent before creating an account. Parents can review their teenager's information and request deletion at any time.
Cookies and Tracking Technologies
Like most websites, we use cookies and similar technologies to make our platform work better. Here's what they do and how you can control them.
Essential Cookies
These are necessary for basic functions like logging in, saving your preferences, and securing your session. You can't opt out of these without breaking core functionality.
Analytics Cookies
We use these to understand how people use our site, which helps us improve course content and user experience. They tell us things like which pages are most popular and where people tend to get stuck.
Marketing Cookies
These help us show you relevant information about courses you might be interested in. We don't use third-party advertising networks, so these cookies only work within our own platform.
You can manage cookie preferences through your browser settings or our cookie consent tool. Keep in mind that blocking certain cookies might affect how well the platform works for you.
Changes to This Privacy Policy
We update this policy occasionally to reflect new practices, legal requirements, or service changes. When we make significant changes, we'll notify you via email and display a prominent notice on our website for at least 30 days.
Minor updates like clarifying existing practices or fixing typos won't trigger notifications, but we'll always update the effective date at the top of this page.
Continued use of our services after changes take effect means you accept the updated policy. If you disagree with changes, you can close your account before they become effective.
Making a Complaint
If you believe we've mishandled your personal information or violated Australian privacy law, please contact us first. We take complaints seriously and will investigate promptly.
Our complaint process:
- Submit your complaint in writing to contact@aniromiheari.com
- We'll acknowledge receipt within 7 days
- We'll investigate and respond within 30 days
- If you're not satisfied with our response, you can escalate to the Office of the Australian Information Commissioner
The OAIC can be reached at 1300 363 992 or through their website at oaic.gov.au. They provide independent review of privacy complaints at no cost to you.
Contact Information
Have questions about this privacy policy or how we handle your information? We're here to help.
Email Address
contact@aniromiheari.com
Phone Number
+61 418 894 733
Postal Address
6/45 Hunter St, Newcastle NSW 2300, Australia
We aim to respond to privacy inquiries within 5 business days. For urgent matters, please call us during business hours: Monday to Friday, 9am to 5pm AEST.