Information We Collect

We collect information you provide directly to us, such as when you create an account, enroll in our courses, or contact us for support. This includes your name, email address, phone number, and payment information when you purchase our services.

Personal Information

• Full name and contact details (email address, phone number, mailing address)
• Educational background and professional experience when relevant to course enrollment
• Payment and billing information processed through secure third-party payment processors
• Communication preferences and marketing consent status
• Account login credentials and security information

Automatically Collected Information

When you visit our website, we automatically collect certain information about your device and usage patterns. This helps us understand how people use our site and improve the experience for everyone.

• IP address, browser type, operating system, and device information
• Pages viewed, time spent on pages, and navigation patterns
• Referral source and search terms used to find our website
• Technical information such as screen resolution and language preferences

How We Use Your Data

Your information helps us provide better educational services and communicate with you effectively. We're thoughtful about how we use your data and only use it for legitimate business purposes.

Primary Uses

• Delivering course content and managing your enrollment status
• Processing payments and maintaining billing records
• Providing customer support and responding to your inquiries
• Sending important updates about your courses or account
• Improving our website functionality and user experience
• Developing new educational content based on user needs and interests

Marketing Communications

With your consent, we may send you information about new courses, educational resources, and updates about the financial analysis field. You can unsubscribe from marketing emails at any time using the link provided in each message.

Information Sharing and Disclosure

We share your information only when necessary to provide our services or when required by law. We work with trusted partners who help us deliver our educational programs effectively.

Service Providers

We work with carefully selected third-party companies that help us operate our business:

• Payment processors for secure transaction handling (Stripe, PayPal)
• Email service providers for course communications and newsletters
• Cloud hosting services for secure data storage and website functionality
• Analytics providers to understand website usage and improve our services
• Customer support platforms to manage inquiries efficiently

Legal Requirements

We may disclose your information if required by Australian law, court order, or government request. This includes compliance with the Privacy Act 1988 and other applicable regulations.

Data Security and Protection

We take data security seriously and implement multiple layers of protection to safeguard your personal information. Our security measures are regularly reviewed and updated to address emerging threats.

Technical Safeguards

• SSL encryption for all data transmitted between your browser and our servers
• Secure cloud infrastructure with regular security audits and monitoring
• Access controls limiting staff access to personal data on a need-to-know basis
• Regular security training for all team members handling personal information
• Automated backups stored in secure, geographically distributed locations
• Multi-factor authentication for administrative access to systems containing personal data

Your Privacy Rights

Under Australian privacy law, you have specific rights regarding your personal information. We're committed to helping you exercise these rights promptly and transparently.

Access and Correction

You can request a copy of the personal information we hold about you and ask us to correct any inaccuracies. Most account information can be updated directly through your user dashboard.

Your Rights Include

• Requesting access to your personal information and how we use it
• Correcting inaccurate or outdated information in your profile
• Requesting deletion of your account and associated personal data
• Withdrawing consent for marketing communications at any time
• Requesting a copy of your data in a portable format
• Filing a complaint with the Office of the Australian Information Commissioner

How to Exercise Your Rights

To exercise any of these rights, contact us at help@caliqosara.com with your request. We'll respond within 30 days and may need to verify your identity to protect your information from unauthorized access.

Cookies and Tracking Technologies

We use cookies and similar technologies to improve your browsing experience, remember your preferences, and understand how our website is used.

Types of Cookies We Use

• Essential cookies required for basic website functionality and security
• Performance cookies to analyze website usage and identify areas for improvement
• Functional cookies to remember your preferences and personalize your experience
• Marketing cookies to show you relevant content and measure campaign effectiveness

You can control cookies through your browser settings, though disabling certain cookies may affect website functionality. Most browsers allow you to view, manage, and delete cookies according to your preferences.

Data Retention and Deletion

We retain your personal information only as long as necessary to provide our services and comply with legal obligations. Different types of information are kept for different periods based on their purpose and legal requirements.

Retention Periods

• Account information: Retained while your account is active and for 2 years after closure
• Course completion records: Kept for 7 years to provide ongoing certification verification
• Financial records: Retained for 7 years in accordance with Australian tax law
• Marketing communications data: Deleted immediately upon unsubscribe request
• Website analytics data: Aggregated and anonymized after 26 months

Deletion Process

When you request account deletion, we remove your personal information from active systems within 30 days. Some data may remain in backup systems for up to 90 days before being permanently deleted. Legal and financial records are retained according to regulatory requirements.

International Data Transfers

Some of our service providers are located outside Australia, which means your personal information may be transferred internationally. We ensure these transfers meet Australian privacy law requirements.

Transfer Safeguards

• Service providers in the United States operate under Privacy Shield or similar frameworks
• European providers comply with GDPR standards that meet or exceed Australian requirements
• All international providers sign data processing agreements with strict security requirements
• We regularly audit international providers to ensure ongoing compliance

Changes to This Privacy Policy

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

We encourage you to review this policy regularly to stay informed about how we protect your information. The "Last Updated" date at the bottom of this page shows when the most recent changes were made.