Privacy Policy
Your privacy matters to us. This comprehensive policy explains how kudorentis collects, uses, protects, and manages your personal information in accordance with Australian privacy laws.
Last Updated: March 15, 2025
This Privacy Policy governs your use of kudorentis's financial education services and website located at kudorentis.com. We are committed to protecting your privacy and handling your personal information responsibly.
Information We Collect
kudorentis collects various types of information to provide you with personalized financial education services and improve your learning experience. Understanding what we collect helps you make informed decisions about sharing your information.
Personal Information
- Full name and contact details including email address, phone number, and mailing address
- Professional background and current employment information
- Financial education goals and learning preferences
- Payment information processed securely through encrypted channels
- Communication preferences and subscription settings
Technical Information
- Device information including IP address, browser type, and operating system
- Website usage patterns and navigation behavior
- Login credentials and access timestamps
- Course progress data and learning analytics
- Cookies and similar tracking technologies for enhanced user experience
We never collect sensitive financial account details or personal identification numbers through our educational platform.
How We Use Your Information
Your information enables us to deliver personalized financial education services, maintain secure access to your learning materials, and continuously improve our educational offerings based on user feedback and engagement patterns.
| Purpose | Information Used | Legal Basis |
|---|---|---|
| Service Delivery | Contact details, learning preferences, course progress | Contract performance |
| Account Management | Login credentials, payment information, communication preferences | Contract performance |
| Customer Support | Contact information, service history, technical details | Legitimate interest |
| Service Improvement | Usage analytics, feedback data, technical performance metrics | Legitimate interest |
| Marketing Communications | Contact details, learning preferences, engagement history | Consent |
Data Sharing and Third Parties
kudorentis maintains strict controls over data sharing. We work with carefully selected service providers who help us deliver our educational services while maintaining the same high standards of data protection.
Service Provider Categories
- Payment Processors: Secure handling of subscription payments and financial transactions
- Educational Technology Partners: Learning management systems and course delivery platforms
- Communication Services: Email delivery, SMS notifications, and customer support tools
- Analytics Providers: Website performance monitoring and user experience analysis
- Cloud Infrastructure: Secure data storage and backup services hosted in Australia
All third-party relationships are governed by comprehensive data processing agreements that require the same level of protection we maintain internally. We do not sell, rent, or trade your personal information to marketing companies or data brokers.
Your educational progress and personal financial information remain confidential and are never shared for marketing purposes.
Your Privacy Rights
Under Australian Privacy Principles and applicable data protection laws, you have specific rights regarding your personal information. We've designed straightforward processes to help you exercise these rights effectively.
Access Your Information
Request a comprehensive copy of all personal information we hold about you, including how it's being used and who it's shared with.
Correct Inaccuracies
Update or correct any personal information that's inaccurate, incomplete, or outdated through your account dashboard or by contacting our support team.
Restrict Processing
Limit how we use your information for specific purposes while maintaining your access to educational services you've purchased.
Data Portability
Receive your personal information in a structured, commonly used format that allows you to transfer it to another service provider.
Withdraw Consent
Remove your consent for marketing communications or optional data processing activities at any time through your account settings.
Lodge Complaints
Contact the Office of the Australian Information Commissioner if you have concerns about how we handle your personal information.
Exercising Your Rights
To exercise any of these rights, contact our Privacy Officer at privacy@kudorentis.com or submit a written request to our office address. We respond to all valid requests within 30 days and provide clear explanations of any actions taken. Identity verification may be required to protect your information from unauthorized access.
Data Security and Protection
Protecting your personal information requires comprehensive security measures across our technology infrastructure, operational procedures, and staff training programs. We employ multiple layers of protection to safeguard your data.
Technical Safeguards
- End-to-end encryption for all data transmission and storage
- Multi-factor authentication for account access and administrative functions
- Regular security audits and vulnerability assessments
- Secure backup systems with encrypted off-site storage
- Network monitoring and intrusion detection systems
- Regular software updates and security patch management
Administrative Controls
- Access controls limiting staff access to necessary information only
- Comprehensive privacy training for all employees and contractors
- Regular review and update of security policies and procedures
- Incident response procedures for potential security breaches
- Secure disposal of physical and electronic records containing personal information
Despite our comprehensive security measures, no system is completely immune to security risks. We maintain incident response procedures to quickly address any potential breaches and will notify affected users promptly if their information may have been compromised.
Data Retention and Deletion
We retain your personal information only as long as necessary to provide our educational services, comply with legal obligations, and maintain accurate business records. Our retention practices balance your privacy rights with practical business needs.
Retention Periods
- Active Account Information: Retained while your account remains active plus 12 months after account closure
- Educational Progress Data: Maintained for 3 years to support continued learning and certificate verification
- Payment and Financial Records: Kept for 7 years in accordance with Australian taxation requirements
- Marketing Communications Data: Deleted within 30 days of unsubscribing from all communications
- Website Analytics: Anonymized after 24 months and retained in aggregate form only
- Customer Support Records: Maintained for 2 years to ensure consistent service quality
Deletion Procedures
When retention periods expire, we securely delete personal information using industry-standard data destruction methods. You can request early deletion of certain information types, though this may affect your access to educational materials and certificates you've earned. We maintain logs of deletion activities for audit purposes while ensuring deleted information cannot be recovered.
International Data Transfers
kudorentis primarily stores and processes your personal information within Australia using local data centers and service providers. However, some of our educational technology partners and support services may involve international data transfers.
Transfer Safeguards
- All international transfers comply with Australian Privacy Principles
- Service providers in other countries meet equivalent privacy protection standards
- Contractual agreements require appropriate technical and organizational security measures
- Regular audits ensure ongoing compliance with Australian privacy requirements
- Users are notified of any significant changes to international data handling practices
Currently, limited technical support and cloud backup services may involve transfers to providers in New Zealand and Canada, both recognized for maintaining privacy standards comparable to Australia. We continuously evaluate these arrangements to ensure your information receives consistent protection regardless of location.
Changes to This Privacy Policy
We review and update this Privacy Policy regularly to reflect changes in our services, technology, and applicable privacy laws. Significant changes that affect how we handle your personal information will be communicated clearly and prominently.
Notification Process
- Major policy changes announced via email to active users at least 30 days in advance
- Updated policy posted on our website with clear indication of revision date
- Summary of key changes provided in plain language alongside the full policy
- Opportunity for users to review changes and adjust their privacy preferences
- Continued use of services constitutes acceptance of updated terms
We encourage you to review this Privacy Policy periodically, especially if you have concerns about how your information is handled. You can always contact our Privacy Officer if you have questions about any changes or need clarification about how they affect your personal information.
Privacy Contact Information
Privacy Officer
kudorentis Financial Education
1/55 Coogee Bay Rd, Randwick NSW 2031, Australia
Email: privacy@kudorentis.com
Phone: +61 2 9894
6642
General Contact: contact@kudorentis.com
For urgent privacy concerns or suspected data breaches, contact us immediately using the phone number above. Our Privacy Officer responds to all inquiries within 48 hours and provides regular updates on any investigations or corrective actions.