Privacy Policy

Information We Collect

At karnuloonline, we collect information that helps us provide better financial data interpretation services. This includes personal information you provide directly, such as your name, email address, and contact details when you register for our services or contact us through our website.

We also automatically collect certain technical information when you visit our website, including your IP address, browser type, and pages visited. This helps us understand how our services are used and improve user experience.

How We Use Your Information

Your information serves several important purposes in delivering our financial data interpretation services. We use your data to provide personalized financial insights, improve our analytical tools, and communicate important updates about our services.

Primary Uses

We process your financial data to generate meaningful insights and reports. This includes analyzing patterns, creating visualizations, and providing recommendations based on your specific financial situation. Your contact information helps us deliver these insights and respond to your inquiries promptly.

Service Improvement

Aggregated and anonymized data helps us enhance our platform's functionality. We analyze usage patterns to identify areas for improvement, develop new features, and ensure our services meet evolving user needs in the financial sector.

Data Protection and Security

We implement comprehensive security measures to protect your personal and financial information. Our systems use industry-standard encryption, secure servers, and regular security audits to safeguard your data against unauthorized access.

Our team receives regular training on data protection best practices. We maintain strict internal policies regarding data access and handling, ensuring that only authorized personnel can access your information for legitimate business purposes.

Your Rights and Choices

You have significant control over your personal information. Under Australian privacy laws, you can request access to your data, ask for corrections, or request deletion of your information in certain circumstances.

Access and Correction

You can request a copy of the personal information we hold about you at any time. If you notice any inaccuracies, we'll work with you to correct them promptly. Simply contact us using the information provided at the end of this policy.

Data Portability

Where technically feasible, we can provide your data in a commonly used format if you wish to transfer it to another service provider. This includes financial data you've shared with us and any analysis reports we've generated.

Deletion Requests

You can request deletion of your personal information, subject to certain legal and business requirements. We'll retain some information where necessary for legal compliance, but will securely delete all other personal data upon request.

Information Sharing

We limit information sharing to essential business operations and legal requirements. We do not sell personal information to third parties, and we only share data with service providers who help us deliver our services under strict confidentiality agreements.

All third-party service providers are carefully vetted and required to maintain the same high standards of data protection that we uphold. They can only use your information for the specific services they provide to us.

Data Retention

We retain your personal information only as long as necessary to provide our services and comply with legal obligations. Financial data is typically retained for seven years in accordance with Australian business record-keeping requirements.

When information is no longer needed, we securely delete it from our systems. This includes both electronic records and any physical documents containing personal information. Our deletion process ensures that data cannot be recovered or reconstructed.

Cookies and Tracking

Our website uses cookies to enhance your browsing experience and provide personalized content. These small text files help us remember your preferences and improve our services over time.

Types of Cookies

We use essential cookies for website functionality, analytics cookies to understand user behavior, and preference cookies to remember your settings. You can control cookie settings through your browser, though disabling certain cookies may affect website functionality.

Third-party cookies from our service providers may also be present on our website. These are governed by the privacy policies of those providers, and we encourage you to review their practices as well.

International Data Transfers

Some of our service providers may be located outside Australia. When we transfer your information internationally, we ensure appropriate safeguards are in place to protect your data according to Australian privacy standards.

We only work with international providers who demonstrate adequate data protection measures and commit to handling your information in accordance with our privacy requirements. This may include contractual agreements that provide additional protections beyond their local laws.

Updates to This Policy

We may update this privacy policy periodically 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.

Minor updates may be made without specific notification, but we'll always update the "last modified" date at the bottom of this policy. We encourage you to review this policy regularly to stay informed about how we protect your information.