Privacy Policy
Last Updated: February 2025
At penkarioslo, we take your privacy seriously. This policy explains how we collect, use, and protect your personal information when you interact with our income optimization services. We're based in Australia and comply with the Australian Privacy Principles under the Privacy Act 1988.
Information We Collect
We collect different types of information depending on how you use our services. Some of it you give us directly, while other data gets collected automatically when you browse our site or participate in our programs.
Personal Information You Provide
- Name, email address, and phone number when you contact us or enroll
- Billing address and payment details for course registrations
- Educational background and financial goals you share during consultations
- Communication preferences and feedback you provide
- Any additional information you submit through forms or surveys
Automatically Collected Data
When you visit our website, we automatically gather certain technical information. This includes your IP address, browser type, device information, and how you navigate through our pages. We use cookies and similar tracking technologies to improve your experience and understand which content resonates with visitors.
How We Use Your Information
We don't collect data just to have it sitting around. Everything we gather serves a specific purpose related to providing you with better financial education and support.
| Purpose | Details |
|---|---|
| Service Delivery | Processing enrollments, providing course access, sending learning materials |
| Communication | Responding to inquiries, sending updates about programs, sharing relevant resources |
| Improvement | Analyzing usage patterns, gathering feedback, enhancing our educational content |
| Legal Compliance | Meeting Australian regulatory requirements, maintaining records as required by law |
Marketing Communications: If you've opted in, we'll send you emails about upcoming programs and financial tips. You can unsubscribe anytime by clicking the link at the bottom of our emails or contacting us directly.
Sharing Your Information
We don't sell your personal data to third parties. That's not our business model, and it never will be. However, we do share information in specific situations where it's necessary to provide our services or comply with legal obligations.
Service Providers
We work with trusted third-party companies that help us run our operations. This includes payment processors, email service providers, and website hosting companies. These partners can only use your information to perform services on our behalf and are contractually obligated to keep it secure.
Legal Requirements
Sometimes we're legally required to disclose information. This might happen in response to court orders, subpoenas, or requests from law enforcement agencies. We'll also share data if necessary to protect our legal rights or prevent fraud.
If penkarioslo undergoes a merger, acquisition, or sale of assets, your information may be transferred to the new entity. We'll notify you before this happens and explain any choices you have regarding your data.
Your Privacy Rights
Under Australian privacy law, you have several rights regarding your personal information. We've made it straightforward to exercise these rights because we believe transparency builds trust.
Access Your Data
Request a copy of the personal information we hold about you. We'll provide this within 30 days of your request.
Correction Rights
Ask us to update or correct inaccurate information. We want to make sure our records are current and accurate.
Deletion Request
Request deletion of your personal data, subject to legal retention requirements and legitimate business needs.
Restrict Processing
Limit how we use your information in certain circumstances, such as while we verify data accuracy.
Data Portability
Receive your personal information in a structured, commonly used format that you can transfer to another service.
Object to Use
Object to our processing of your information for direct marketing or other purposes based on legitimate interests.
How to Exercise Your Rights: Send an email to help@penkarioslo.com with your request. Include enough details so we can verify your identity and understand what you're asking for. We'll respond within 30 days and won't charge a fee unless your request is clearly unfounded or excessive.
Data Security
We use industry-standard security measures to protect your information from unauthorized access, disclosure, or destruction. This includes encryption for data transmission, secure servers, and restricted access to personal information within our organization.
- SSL/TLS encryption for all data transmitted between your browser and our servers
- Regular security audits and vulnerability assessments of our systems
- Employee training on data protection and confidentiality requirements
- Access controls limiting who can view or process personal information
- Secure backup systems to prevent data loss
While we take reasonable steps to protect your data, no method of transmission over the internet is completely secure. We can't guarantee absolute security, but we continuously work to strengthen our protections.
Data Retention
We keep your personal information only as long as necessary to fulfill the purposes outlined in this policy or as required by Australian law. Different types of information have different retention periods.
Active Users
If you're actively engaged with our programs, we retain your information throughout your participation and for a reasonable period afterward to provide ongoing support and maintain educational records.
Inactive Accounts
After you stop using our services, we'll retain certain information for up to seven years to comply with tax and accounting requirements. After this period, we'll securely delete or anonymize your data unless there's a legal reason to keep it longer.
Marketing Data
If you've subscribed to our marketing emails but haven't engaged with them for 24 months, we'll remove you from our active marketing list. You can always resubscribe if you change your mind.
Cookies and Tracking
Our website uses cookies and similar technologies to enhance your browsing experience and help us understand how people use our site. You can control cookie settings through your browser, though disabling certain cookies might affect functionality.
Types of Cookies We Use
- Essential cookies required for basic website functionality
- Performance cookies that help us understand site usage and improve content
- Functionality cookies that remember your preferences and settings
- Analytics cookies that provide insights into visitor behavior
We don't use third-party advertising cookies. Any analytics tools we employ are configured to respect your privacy and comply with Australian regulations.
International Data Transfers
We primarily store and process data within Australia. However, some of our service providers operate servers in other countries. When we transfer data internationally, we ensure appropriate safeguards are in place to protect your information according to Australian privacy standards.
These safeguards might include standard contractual clauses, adequacy decisions, or other mechanisms approved under the Privacy Act. We only work with international partners who demonstrate strong data protection practices.
Children's Privacy
Our services are designed for adults seeking to improve their financial situations. We don't knowingly collect personal information from anyone under 18 years old without parental consent. If we discover we've inadvertently collected such information, we'll delete it promptly.
Parents or guardians who believe we've collected information from their child should contact us immediately so we can address the situation.
Changes to This Policy
We update this privacy policy occasionally to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you by email or through a prominent notice on our website at least 30 days before the changes take effect.
The "Last Updated" date at the top of this page shows when we most recently revised the policy. We encourage you to review it periodically to stay informed about how we protect your information.
Complaints and Disputes
If you're concerned about how we've handled your personal information, please contact us first. We'll investigate your complaint and respond within a reasonable timeframe, typically within 30 days.
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). You can reach them at oaic.gov.au or by calling 1300 363 992.
Questions About Privacy?
We're here to help if you have any questions or concerns about this privacy policy or how we handle your information.
Email: help@penkarioslo.com
Phone: +61 455 212 710
Address: Shop CR174/10-14 Market Ln, Rouse Hill NSW 2155, Australia