Privacy Policy
Last Updated: 15 January 2025
At kalivorentra, we take your privacy seriously. This policy explains how we collect, use, and protect your personal information when you use our financial services. We're bound by the Privacy Act 1988 (Cth) and the Australian Privacy Principles, which means we follow strict rules about handling your data.
We've written this in plain language because legal jargon shouldn't stop you from understanding what happens with your information. If something's unclear, reach out — we're here to help.
Information We Collect
When you work with us, we collect different types of information depending on what services you're using. Here's what that looks like in practice:
Personal Details You Give Us
This includes your name, date of birth, contact information, and identification documents. We need these basics to verify who you are — it's part of Australian anti-money laundering requirements, not just us being nosy.
Financial Information
Your income details, employment history, bank account information, and transaction records help us provide appropriate financial advice. We also collect credit history when relevant to the services you're requesting.
Technical Data
Like most websites, we gather IP addresses, browser types, device information, and how you interact with our site. This helps us spot security issues and improve your experience.
Communication Records
We keep records of emails, phone calls, and messages you send us. These protect both of us if there's ever a dispute about what was discussed or agreed upon.
We never collect information we don't need. If we're asking for something, it's because regulations require it or because we genuinely can't provide the service without it.
How We Use Your Information
Your data serves specific purposes. We're not interested in collecting information just to have it sitting around.
- Providing financial services and customer support you've requested
- Assessing your eligibility for various financial products
- Meeting our legal obligations under Australian law, including verification and reporting requirements
- Detecting and preventing fraud or other criminal activity
- Improving our services based on how customers actually use them
- Sending you important updates about your account or services
- Marketing our services to you — but only if you've agreed to this
We separate marketing communications from essential service updates. You can opt out of marketing anytime, but we'll still need to send critical information about your accounts.
Sharing Your Information
We don't sell your data to third parties. Period. But we do share it in specific situations:
Service Providers
Companies that help us run our business — payment processors, cloud storage providers, customer service platforms — get access to relevant information. They're contractually obligated to protect it and can only use it for the specific services they provide us.
Financial Institutions
When arranging financial products for you, we share necessary information with banks, lenders, and other financial institutions. This is how we actually get things done on your behalf.
Legal Requirements
Australian law sometimes requires us to disclose information to government agencies, regulators, or law enforcement. We only share what's legally required and nothing more.
Professional Advisers
Our lawyers, accountants, and auditors occasionally need access to information to help us run the business properly and comply with regulations.
Business Transfers
If kalivorentra is sold or merged with another company, your information would transfer to the new owners. We'd notify you beforehand if this happens.
Data Storage and Security
Your information is stored on secure servers in Australia. We use industry-standard encryption, both when data's moving between systems and when it's sitting in storage.
Our Security Measures
- Multi-factor authentication for staff accessing sensitive systems
- Regular security audits and penetration testing
- Encrypted databases and secure backup systems
- Strict access controls — staff only see what they need for their role
- Regular staff training on data protection and privacy
Despite our best efforts, no system is completely immune to security breaches. If something does happen, we'll notify you and the relevant authorities as required by law.
How Long We Keep Your Data
Australian financial services regulations require us to keep certain records for seven years after your relationship with us ends. After that period, we securely delete or anonymize your information unless there's a specific legal reason to retain it longer.
| Information Type | Retention Period |
|---|---|
| Financial advice records | 7 years from advice date |
| Transaction records | 7 years from transaction |
| Identity verification documents | 7 years after relationship ends |
| Marketing preferences | Until you withdraw consent or 2 years of inactivity |
| General communications | 2 years unless part of ongoing service |
Your Rights and Choices
Australian privacy law gives you specific rights about your personal information. Here's what you can do and how to actually do it:
Access Your Information
You can request a copy of the personal information we hold about you. We'll provide this within 30 days, though complex requests might take a bit longer. There's no charge for reasonable requests.
Correct Your Information
If something we've got is wrong or outdated, let us know. We'll fix it promptly and notify anyone we've shared the incorrect information with if it's relevant.
Restrict Processing
You can ask us to limit how we use your information in certain situations, like when you're contesting its accuracy or questioning whether we need it.
Object to Marketing
Unsubscribe from marketing communications anytime through the link in our emails or by contacting us directly. We'll stop within a few business days.
Request Deletion
You can ask us to delete your information, though we might need to keep some records to meet legal requirements. We'll explain what we can and can't delete.
Withdraw Consent
If we're processing your data based on your consent, you can withdraw that consent anytime. This won't affect anything we did before you withdrew it.
To exercise any of these rights, email us at help@kalivorentra.com with your request. We'll verify your identity before making changes — another security measure to protect you.
Cookies and Tracking
Our website uses cookies — small text files stored on your device. Some are essential for the site to work, while others help us understand how people use our services.
Types of Cookies We Use
Essential Cookies: These keep you logged in and remember your preferences during a session. The site won't work properly without them.
Analytics Cookies: We use these to see which pages people visit, how long they stay, and where they click. This helps us improve the site's design and functionality.
Security Cookies: These help us detect suspicious activity and protect against fraud.
You can control cookies through your browser settings, though disabling some might affect how the site works for you. Most browsers let you block third-party cookies while keeping essential ones active.
We don't use advertising cookies or share your browsing behavior with ad networks. What you do on our site stays between us.
Children's Privacy
Our services aren't designed for anyone under 18. We don't knowingly collect information from minors. If you're a parent who discovers we've accidentally collected your child's information, contact us immediately and we'll delete it.
Changes to This Policy
We update this policy occasionally to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you by email and update the date at the top of this page. Continuing to use our services after changes means you accept the updated policy.
Minor clarifications or formatting changes won't trigger notifications, but we'll still update the date so you know something's changed.
Complaints and Concerns
If you're worried about how we've handled your information, start by contacting us directly. We'll investigate and respond within 30 days. Most issues get resolved at this stage.
If you're not satisfied with our response, you can complain to the Office of the Australian Information Commissioner. They're the independent authority overseeing privacy law in Australia.
OAIC Contact:
Phone: 1300 363 992
Website: www.oaic.gov.au
Get in Touch
Questions about this policy or how we handle your information? We're here to help.
We aim to respond to all privacy inquiries within 2 business days. Complex requests might take longer, but we'll keep you updated on progress.