Privacy Policy

We're upfront about how we handle your information because transparency builds trust. Here's everything you need to know about your data when you work with ionarentlo.

Last Updated: January 15, 2025

At ionarentlo, we're committed to protecting your privacy while helping Australians get their finances sorted. This policy explains what information we collect, why we need it, and how we keep it secure.

We've written this in plain English because legal jargon helps nobody. If something's unclear, reach out and we'll explain it properly.

Who We Are and What This Covers

ionarentlo operates from Barolin St, Bundaberg, QLD, 4670, Australia. We provide budget preparation education and financial planning resources to individuals and families across Australia. This privacy policy applies to all information we collect through our website, educational programs, and related services.

When we say "personal information," we're talking about any data that identifies you or could reasonably identify you. This policy is written to comply with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

Information We Collect

We collect different types of information depending on how you interact with us. Some of it you give us directly, some we gather automatically, and some comes from third parties.

Information You Provide Directly

When you sign up for our programs or reach out to us, you share information voluntarily. This typically includes:

  • Your name, email address, and phone number when you contact us or register for courses
  • Billing and payment details when you enroll in paid programs
  • Information about your financial goals and current situation when you complete our assessment forms
  • Questions, feedback, and course responses you submit through our educational platform
  • Any additional details you choose to share during consultations or support interactions

Information We Collect Automatically

Like most websites, ours gathers some technical information automatically when you visit. This helps us understand how people use our site and where we can make improvements:

  • Device and browser information (what type of device you're using, which browser, screen size)
  • IP address and general location data (city and state level, nothing more specific)
  • Pages you visit, how long you stay, and what links you click
  • Referring websites and search terms that brought you to us
  • Technical logs that help us troubleshoot issues and prevent security problems

Information From Third Parties

Sometimes we receive information about you from other sources, but only in specific circumstances:

  • Payment processors share transaction confirmation data
  • Marketing platforms provide analytics about campaign performance
  • Public databases may supplement address information for service delivery
  • Partners or referral sources might share your contact details if you've given them permission

How We Use Your Information

We don't collect data for the sake of it. Everything we gather serves a specific purpose related to providing you with quality financial education and support.

Purpose How We Use Your Data
Service Delivery Providing access to courses, sending program materials, responding to your questions, and delivering the educational content you've signed up for.
Payment Processing Managing enrollments, processing payments, sending receipts, and handling refunds when necessary.
Communication Sending course updates, program information, responding to inquiries, and sharing relevant educational content you might find useful.
Improvement Analyzing how our website and programs are used to identify areas for enhancement and create better learning experiences.
Legal Compliance Meeting our obligations under Australian law, maintaining records as required, and protecting our legal rights when necessary.

We base our data processing on several legal grounds under Australian privacy law: your consent, contractual necessity (we need certain information to provide our services), legal obligations we must meet, and legitimate interests in running and improving our business.

Sharing Your Information

We don't sell your personal information to anyone. That's not our business model and never will be. But we do share data with specific third parties when it's necessary to operate our services.

Service Providers We Work With

We partner with carefully selected companies that help us deliver our services. These include payment processors, email delivery services, website hosting providers, and educational platform software. All of these partners are bound by strict confidentiality agreements and can only use your information for the specific purposes we've authorized.

Beyond service providers, we might share information in these situations:

  • When you've given us explicit permission to share specific information with a third party
  • If required by Australian law, court order, or government authority
  • During business transitions like mergers or acquisitions (where your data would transfer to the new owner)
  • To protect our rights, property, or safety, or that of our users or the public
  • With professional advisers like lawyers and accountants when seeking professional advice

International Data Transfers

Most of your data stays in Australia, but some of our service providers operate servers overseas. This means your information might be transferred to and processed in countries like the United States or Singapore.

When we transfer data internationally, we make sure it's protected through contractual agreements that require overseas recipients to handle your information in line with Australian privacy standards. We only work with providers in countries that have adequate privacy protections or that agree to meet Australian privacy requirements.

Data Security Measures

We take security seriously because your financial information deserves proper protection. Our approach combines technical safeguards, organizational policies, and ongoing monitoring.

Technical Protections

  • SSL encryption for all data transmitted between your browser and our servers
  • Encrypted storage for sensitive personal and financial information
  • Regular security updates and patches to our systems
  • Firewalls and intrusion detection systems monitoring for unauthorized access
  • Secure backup systems with encrypted data storage

Organizational Practices

  • Limited access to personal information based on job requirements
  • Confidentiality agreements with all staff and contractors
  • Regular training on data protection and privacy obligations
  • Documented procedures for handling data breaches
  • Annual reviews of our security practices and policies

While we work hard to protect your information, no system is completely secure. We encourage you to use strong passwords and keep your login credentials confidential.

Your Privacy Rights

Australian privacy law gives you several rights regarding your personal information. We respect these rights and have processes in place to help you exercise them.

Access and Correction

You can request access to the personal information we hold about you. We'll provide this within a reasonable timeframe, usually 30 days. If any information is incorrect or outdated, you can ask us to correct it. There's no fee for making these requests, though we might charge a reasonable cost for providing extensive copies of records.

  • Request a copy of all personal information we hold about you
  • Ask us to correct inaccurate or incomplete information
  • Request deletion of your personal information (subject to certain legal exceptions)
  • Opt out of marketing communications while continuing to receive service-related messages
  • Withdraw consent where we're relying on consent as the legal basis for processing
  • Request that we stop processing your information for specific purposes
  • Lodge a complaint if you believe we've mishandled your information

To exercise any of these rights, contact us using the details at the end of this policy. We'll respond promptly and work with you to address your request. If we can't fulfill a request for legal reasons, we'll explain why.

Data Retention

We keep your information only as long as necessary for the purposes we collected it. Different types of data have different retention periods based on legal requirements and business needs.

Typical Retention Periods

  • Active course participant data: Duration of your enrollment plus 7 years for educational records
  • Financial and transaction records: 7 years from completion (as required by Australian tax law)
  • Marketing communication data: Until you unsubscribe or request deletion
  • Website analytics: Aggregated data retained indefinitely, individual data 26 months
  • Customer support communications: 3 years from your last interaction
  • Account information after closure: 30 days unless legal requirements dictate longer retention

When data reaches the end of its retention period, we securely delete or anonymize it so it can no longer identify you. Some information might be retained longer if required by law or needed to resolve disputes.

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to improve your experience and understand how visitors use our site. Cookies are small text files stored on your device that help websites remember your preferences and track activity.

Types of Cookies We Use

  • Essential cookies that make the website function properly (these can't be disabled)
  • Preference cookies that remember your settings and choices
  • Analytics cookies that help us understand how visitors use our site
  • Marketing cookies that track your interests to show relevant content

You can control cookies through your browser settings. Most browsers let you block or delete cookies, though this might affect how well our website works for you. Blocking essential cookies may prevent you from accessing certain features.

Children's Privacy

Our services are designed for adults managing their own finances or household budgets. We don't knowingly collect information from children under 18 without parental consent. If you're under 18 and interested in our programs, please have a parent or guardian contact us first.

If we discover we've inadvertently collected information from a child without proper consent, we'll delete it promptly. Parents who believe we might have information about their child can contact us to request its removal.

Changes to This Policy

We review and update this privacy policy periodically to reflect changes in our practices, technology, legal requirements, or business operations. When we make changes, we'll update the "Last Updated" date at the top of this page.

Significant changes will be communicated more actively. We might email current participants or display a prominent notice on our website. For major changes affecting how we use your information, we'll seek your renewed consent where required by law.

We encourage you to review this policy occasionally to stay informed about how we're protecting your information. Continuing to use our services after we post changes means you accept the updated policy.

Making a Complaint

If you're concerned about how we've handled your personal information, we want to hear from you. Most issues can be resolved quickly through direct communication.

Our Complaint Process

Start by contacting our privacy officer using the details below. Explain your concern clearly and include any relevant details. We'll acknowledge your complaint within 7 days and investigate thoroughly. You'll receive a detailed response within 30 days explaining our findings and any actions we've taken.

If you're not satisfied with our response, you have the right to lodge a complaint with the Office of the Australian Information Commissioner (OAIC). They're the independent authority overseeing privacy law in Australia.

OAIC contact details: Phone 1300 363 992 | Website www.oaic.gov.au | Mail GPO Box 5218, Sydney NSW 2001

Questions About Your Privacy?

We're here to help if you have concerns, questions, or want to exercise your privacy rights. Reach out through any of these channels and we'll respond within 2 business days.