Privacy Policy
Your privacy matters to us. Here's how we collect, use, and protect your personal information when you engage with orikarioerna's services.
Last updated: February 2025
At orikarioerna, we're committed to protecting your privacy and handling your personal information with care. This policy explains our practices around data collection, usage, and your rights under Australian privacy legislation, including the Privacy Act 1988 and the Australian Privacy Principles (APPs).
We believe transparency builds trust. That's why we've written this policy in plain language—you shouldn't need a law degree to understand how your data is handled.
Questions About Privacy?
Email us at contact@orikarioerna.com
Call us at +61 405 345 697
Visit us at 116 Hunter St, Newcastle NSW 2300, Australia
Information We Collect
We collect different types of information depending on how you interact with our services. Here's what that looks like in practice:
Personal Details
Name, email address, phone number, postal address. Basic contact information you provide when signing up or reaching out to us.
Financial Information
Budget data, financial goals, income ranges, expense categories. Information you share to help us provide personalized budget analysis.
Technical Data
IP address, browser type, device information, cookies. Standard data collected when you visit our website to improve your experience.
Usage Information
Pages visited, features used, time spent on site. Helps us understand what's working and what needs improvement.
How We Collect Your Information
- Directly from you when you fill out forms, create an account, or contact us
- Automatically through cookies and similar technologies when you browse our website
- From third-party services you choose to connect with our platform
- Through your interactions with our learning programs and budget analysis tools
We only collect information that serves a genuine purpose—whether that's delivering our services, improving your experience, or meeting our legal obligations.
How We Use Your Information
Your data isn't just sitting in a database somewhere. Here's what we actually do with it:
| Purpose | What This Means |
|---|---|
| Service Delivery | Providing budget analysis, financial insights, and educational content tailored to your needs |
| Communication | Sending service updates, responding to inquiries, and sharing relevant program information |
| Improvement | Analyzing usage patterns to enhance our tools and create better learning experiences |
| Security | Detecting and preventing fraud, unauthorized access, and other security threats |
| Legal Compliance | Meeting our obligations under Australian law and industry regulations |
About Marketing Communications
We'll only send you marketing emails if you've opted in. You can unsubscribe at any time using the link in every email we send. Your preferences are respected—always.
Sharing Your Information
We're not in the business of selling your data. However, we do share information in specific circumstances:
Service Providers
We work with trusted third-party companies that help us run our business—things like hosting providers, email services, and analytics platforms. These partners only access the information they need to do their job, and they're contractually required to protect your data.
Legal Requirements
Sometimes we're legally required to disclose information—for example, if we receive a valid court order or need to comply with Australian tax regulations. We'll only share what's legally necessary and will notify you when possible.
Business Transfers
If orikarioerna is acquired or merged with another company, your information may be transferred as part of that transaction. We'll notify you before this happens and explain any changes to how your data is handled.
With Your Consent
We may share your information in other situations, but only with your explicit permission. You'll always know who's getting your data and why.
Your Privacy Rights
Under Australian privacy law, you have significant control over your personal information. Here's what you can do:
Access Your Data
Request a copy of the personal information we hold about you. We'll provide this within 30 days of your request.
Correct Information
If something we have on file is wrong or outdated, let us know and we'll fix it promptly.
Delete Your Data
Request deletion of your personal information, subject to certain legal exceptions where we must retain records.
Restrict Processing
Ask us to limit how we use your information in specific circumstances.
Data Portability
Receive your data in a structured, commonly used format that you can transfer to another service.
Withdraw Consent
Change your mind about how we use your information at any time, without penalty.
How to Exercise Your Rights
Send your request to contact@orikarioerna.com with "Privacy Request" in the subject line. We'll respond within 30 days and verify your identity before processing any requests involving personal data access or deletion.
Data Security
Protecting your information is something we take seriously. Here's what we do:
- Encryption of data in transit and at rest using industry-standard protocols
- Regular security audits and vulnerability assessments of our systems
- Strict access controls—only authorized personnel can access personal data
- Secure data centers with physical and digital protection measures
- Employee training on data protection and privacy best practices
- Incident response procedures to address potential security breaches quickly
No system is completely secure, but we maintain comprehensive safeguards and continuously update our security measures as threats evolve. If a data breach occurs that poses a serious risk to your privacy, we'll notify you and the Office of the Australian Information Commissioner as required by law.
Data Retention
We keep your information only as long as necessary for the purposes outlined in this policy. Here's our general approach:
Active Accounts
While you're using our services, we retain your data to provide ongoing access to your budget analysis, learning progress, and account history.
Inactive Accounts
If you haven't used your account for 24 months, we'll send you a reminder. After 36 months of inactivity, we may delete your account and associated data unless legal requirements mandate longer retention.
Legal Obligations
Some information must be kept for specific periods under Australian tax and business laws. Financial records related to our services may be retained for up to seven years.
Deletion Requests
When you request deletion of your data, we'll remove it from active systems within 30 days. Some information may remain in backup systems for up to 90 days before permanent deletion.
Cookies and Tracking
Like most websites, we use cookies and similar technologies. Here's what you should know:
Essential Cookies
These are necessary for the website to function properly—things like remembering your login status and security settings. You can't opt out of these without affecting your ability to use the site.
Analytics Cookies
We use these to understand how people use our website—which pages are popular, where users get stuck, and how we can improve the experience. This data is aggregated and doesn't identify you personally.
Managing Cookies
Most browsers let you control cookies through their settings. You can block or delete cookies, though this may affect how our website works for you. Check your browser's help section for specific instructions.
Children's Privacy
Our services are designed for adults managing their finances and pursuing professional education. We don't knowingly collect information from anyone under 18 years of age.
If we discover we've inadvertently collected data from someone under 18, we'll delete it promptly. If you believe we have information about a child, please contact us immediately at contact@orikarioerna.com.
Changes to This Policy
Privacy regulations and our business practices evolve over time. When we update this policy, we'll post the new version on our website with a revised date at the top.
For significant changes that affect how we handle your data, we'll notify you directly via email or through a prominent notice on our website. We encourage you to review this policy periodically to stay informed about how we're protecting your information.
Your continued use of our services after changes are posted constitutes acceptance of the updated policy. If you disagree with changes, you can close your account and request deletion of your data.
Complaints and Disputes
If you're concerned about how we've handled your personal information, we want to hear from you. Here's the process:
Contact Us First
Email your complaint to contact@orikarioerna.com with "Privacy Complaint" in the subject line. Provide details about your concern and what you'd like us to do about it. We'll acknowledge your complaint within 5 business days and aim to resolve it within 30 days.
External Resolution
If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC). They provide a free and independent dispute resolution service.
OAIC contact details:
Phone: 1300 363 992
Website: www.oaic.gov.au
Mail: GPO Box 5218, Sydney NSW 2001