Privacy Policy
Your privacy matters to us. This policy explains how carithonex collects, uses, and protects your personal information when you use our business budget essentials services.
Effective Date: 15 January 2025
Quick Privacy Questions
What personal information do we collect?
We collect contact details, business information, and usage data when you register for our services or interact with our platform.
How do we use your information?
We use your data to provide budget management services, send relevant updates, and improve our educational content based on user needs.
Do we share your data with others?
We only share information with trusted service providers who help us deliver our services, and never for marketing purposes without your consent.
Information We Collect
When you engage with carithonex's business budget essentials platform, we collect several types of information to provide you with effective financial management tools and educational resources. This collection happens through various touchpoints during your experience with our services.
Personal Information
We collect basic contact details including your name, email address, phone number, and business address. When you register for our educational programs or request consultations, we also gather information about your business type, current budget management challenges, and specific areas where you need support.
Usage and Technical Data
Our platform automatically collects information about how you interact with our services. This includes pages visited, time spent on different sections, features used most frequently, and technical details like your IP address, browser type, and device information. We use this data to understand which educational resources are most valuable and to improve our platform's functionality.
- Contact forms and registration information
- Business assessment questionnaires
- Communication preferences and history
- Platform usage patterns and preferences
- Payment information for premium services
- Feedback and survey responses
How We Use Your Information
Your information helps us deliver personalized budget management education and support that matches your specific business needs. We've built our services around understanding that every business faces unique financial challenges, and your data helps us provide more relevant guidance.
| Purpose | Data Used | Legal Basis |
|---|---|---|
| Service Delivery | Contact details, business information | Contract performance |
| Educational Content | Usage patterns, preferences | Legitimate interest |
| Customer Support | Communication history, technical data | Contract performance |
| Platform Improvement | Anonymous usage statistics | Legitimate interest |
We never use your business financial data for marketing purposes or share it with third parties for their commercial gain. Your budget information remains confidential and is used solely to provide you with relevant educational resources.
Information Sharing and Disclosure
carithonex maintains strict controls over who can access your personal information. We understand that business financial data is sensitive, and we've designed our sharing practices to protect your privacy while ensuring we can deliver effective services.
We work with carefully selected service providers who help us operate our platform and deliver educational content. These partners include our payment processor for handling subscription fees, email service providers for sending educational updates, and analytics services that help us understand how to improve our resources.
Service Providers
Our technology partners are bound by strict confidentiality agreements and can only use your data for the specific services they provide to us. They cannot access your information for their own purposes or share it with other companies. We regularly review these relationships to ensure they maintain appropriate security standards.
Legal Requirements
In rare circumstances, we may need to disclose information to comply with legal obligations, respond to valid government requests, or protect the rights and safety of carithonex or our users. We will always notify you of such requests unless prohibited by law, and we challenge requests that we believe are overly broad or inappropriate.
Your Rights and Choices
Under Australian privacy law, you have several important rights regarding your personal information. We've made it straightforward to exercise these rights and will respond to your requests promptly and transparently.
- Access your personal data and understand how we use it
- Correct inaccurate or incomplete information
- Request deletion of your data when it's no longer needed
- Object to certain uses of your information
- Receive a copy of your data in a portable format
- Withdraw consent for marketing communications
To exercise any of these rights, contact our privacy team using the details provided at the end of this policy. We'll verify your identity and process your request within 30 days. For complex requests, we may need additional time and will keep you informed of our progress.
You can update your communication preferences or opt out of marketing emails at any time using the unsubscribe link in our messages or by logging into your account settings.
Data Security and Protection
Protecting your business information is fundamental to our operations. We use industry-standard security measures including encryption for data transmission and storage, regular security audits, and strict access controls that limit who can view your information.
Our platform uses SSL encryption to protect data as it travels between your browser and our servers. We store information on secure servers located in Australia, and we maintain regular backups to prevent data loss. Our team receives ongoing security training to recognize and prevent potential threats.
Incident Response
Despite our security measures, no system is completely immune to threats. If we experience a security incident that affects your personal information, we will notify you within 72 hours and explain what happened, what information was involved, and what steps we're taking to address the issue.
Data Retention and Deletion
We keep your personal information only as long as necessary to provide our services and meet legal requirements. For active users, we maintain account information and usage history to ensure continuity of service and to provide relevant educational content based on your learning progress.
When you close your account or request deletion of your data, we will remove your personal information within 90 days. Some information may be retained longer if required by Australian business records legislation or if needed to resolve disputes or investigate potential violations of our terms of service.
| Data Type | Retention Period | Reason |
|---|---|---|
| Account Information | Duration of service + 2 years | Customer support and legal compliance |
| Usage Analytics | 3 years | Service improvement and trend analysis |
| Marketing Communications | Until unsubscribed | Preference management |
| Financial Records | 7 years | Australian tax and business law |
Cookies and Tracking Technologies
Our website uses cookies and similar technologies to enhance your experience and understand how our services are used. These small files help us remember your preferences, keep you logged in, and analyze which educational content is most helpful to our users.
We use essential cookies that are necessary for basic website functionality, analytics cookies to understand user behavior patterns, and preference cookies to remember your settings. You can control cookie settings through your browser, though disabling certain cookies may affect some features of our platform.
Third-Party Analytics
We use analytics services to understand how users interact with our educational content. This helps us identify which budget management topics are most relevant and where we can improve our resources. These services collect anonymous usage data and don't track individual users across other websites.
International Data Transfers
carithonex operates primarily within Australia, and we store most user data on servers located within the country. However, some of our service providers may process data outside Australia to provide technical support or analytics services.
When we transfer data internationally, we ensure appropriate safeguards are in place through contractual protections, adequacy decisions, or other mechanisms approved by Australian privacy authorities. We regularly review these arrangements to ensure they provide adequate protection for your personal information.
Children's Privacy
Our business budget essentials services are designed for adults operating businesses or those seeking to develop business management skills. We do not knowingly collect personal information from children under 13, and our platform is not intended for use by minors.
If we become aware that we have collected information from a child under 13, we will take steps to delete that information promptly. Parents or guardians who believe their child has provided personal information to us should contact our privacy team immediately.
Changes to This Policy
We may update this privacy policy periodically to reflect changes in our practices, services, or legal requirements. When we make significant changes, we will notify you via email or through a prominent notice on our platform at least 30 days before the changes take effect.
Minor changes, such as clarifications or updates to contact information, may be made without advance notice. We encourage you to review this policy regularly to stay informed about how we protect your information. The effective date at the top of this policy indicates when it was last updated.
Contact Our Privacy Team
If you have questions about this privacy policy or want to exercise your privacy rights, please contact us:
Email: support@carithonex.com
Phone: +61 432 545 094
Address: 15 Orion Cl, Port Macquarie NSW 2444, Australia
We aim to respond to all privacy-related inquiries within 5 business days.