kolmavirexo operates from 49 Daley Rd, Acton ACT 2601, Australia, providing budget risk management education and consultation services. We're bound by Australian Privacy Principles under the Privacy Act 1988, which means your personal information receives strong legal protection.

When we say "personal information," we mean data that identifies you or could reasonably identify you. This includes obvious things like your name and email, but also less obvious data like your IP address or learning preferences within our platform.

We collect information in three main ways, and we're upfront about each:

Every piece of information we collect serves a specific purpose related to helping you with budget risk management:

• Service Delivery: We use your contact information and business details to provide consultation, send course materials, and customize our advice to your situation.
• Communication: We'll email you about program updates, answer your questions, and send relevant budget management insights that match your interests.
• Platform Improvement: Technical data helps us fix bugs, improve our website's performance, and understand which content resonates most with our audience.
• Legal Compliance: Sometimes we need to retain information to comply with Australian tax laws, business regulations, or other legal requirements.

We don't use your information for anything unrelated to these core purposes. No random marketing, no data selling, no unrelated business ventures.

We don't sell your personal information. Period. But there are specific situations where we might share it:

• Service Providers: We work with email service providers, web hosting companies, and payment processors who help us deliver our services. These partners only access what they need and are contractually bound to protect your data.
• Legal Requirements: If Australian law enforcement or regulatory bodies make a valid legal request for information, we'll comply as required. We'd notify you unless legally prohibited from doing so.
• Business Transfers: If kolmavirexo were sold or merged with another company, your information would transfer as part of that process, but it would remain subject to this privacy policy.
• Your Consent: If you explicitly ask us to share your information with a third party — perhaps a recommended financial advisor — we'll do so with your clear permission.

Under Australian privacy law, you have several important rights regarding your personal information:

To exercise any of these rights, email us at info@kolmavirexo.com or call +61262821291. We'll verify your identity and respond promptly.

Protecting your information isn't just a legal requirement — it's fundamental to our business. We've implemented multiple layers of security:

We regularly review our security practices and update them as technology evolves. While no system is completely immune to all risks, we take every reasonable precaution to protect your information.

We keep your information only as long as necessary for legitimate business purposes or legal requirements:

• Active Customer Records: Maintained while you're using our services and for two years after your last interaction with us.
• Financial Records: Kept for seven years to comply with Australian tax law requirements.
• Communication Records: Retained for three years to provide consistent service and resolve any potential disputes.
• Technical Logs: Automatically deleted after 12 months unless needed for security investigations.

When retention periods expire, we securely delete your information using industry-standard data destruction methods.

Your personal information is primarily stored and processed within Australia. However, some of our service providers operate internationally:

• Email services may route through servers in the United States or Europe
• Web hosting infrastructure includes backup facilities in multiple countries
• Payment processing may involve international financial networks

When data goes overseas, we ensure these transfers comply with Australian privacy law. Our service providers must provide adequate protection for your information and comply with strict contractual requirements.

Our website uses cookies — small text files that help us understand how visitors use our site. We use:

• Essential Cookies: Required for basic website functionality, like remembering your preferences during your visit.
• Analytics Cookies: Help us understand which pages are most useful and where visitors encounter problems.
• Marketing Cookies: Allow us to show relevant content based on pages you've viewed on our site.

You can control cookies through your browser settings. Disabling cookies may affect how our website functions, but you'll still be able to access most content.

We review this policy annually and update it when our practices change or new laws take effect. When we make significant changes, we'll notify you by email and prominently display the updated policy on our website.

Minor updates — like contact information changes or clarifications — don't require individual notification, but we'll always update the "Last Updated" date at the top of this policy.

Your continued use of our services after policy changes means you accept the updated terms.