Who We Are

kerinovaly is an educational organisation based in Sydney, Australia. We provide resources and learning programs focused on financial recovery strategies. Our registered address is Room 42, Level 4, 104 Bathurst St Sydney NSW 2000, Australia.

When we say "we", "us", or "our" in this document, we're referring to kerinovaly and our team members who handle your information as part of providing our services.

Information We Collect

Information You Give Us

When you sign up for our programs or contact us, we collect details you provide directly. This typically includes your name, email address, phone number, and any information you share about your financial education needs.

If you enrol in our learning programs, we'll also collect information about your progress, course completions, and any feedback you provide. This helps us tailor our educational content and improve our services.

Technical Information

Like most websites, we automatically collect certain technical data when you visit kerinovaly.com. This includes your IP address, browser type, device information, and how you navigate through our site. We use this to understand how people use our platform and to keep things running smoothly.

How We Use Your Information

We're pretty straightforward about this. Your information helps us deliver the educational services you've signed up for. Here's what that looks like in practice:

• Sending you course materials, updates, and relevant educational resources
• Responding to your questions and providing support when you need it
• Processing enrolments and maintaining your learning records
• Improving our programs based on how people engage with the content
• Meeting our legal obligations, including financial record-keeping
• Sending occasional updates about new programs that might interest you

We don't sell your data to third parties. That's not our business model and never will be.

Legal Basis for Processing

Under Australian privacy law, we need a legitimate reason to collect and use your information. In most cases, we process your data because it's necessary to deliver the services you've requested from us. When you enrol in a program, we've entered into a contract, and handling your information is part of fulfilling that agreement.

Sometimes we process data based on legitimate interests—like improving our educational content or preventing fraud. And yes, there are times when we're legally required to keep certain records, particularly financial ones.

If we ever want to use your information for something that wasn't covered when you signed up, we'll ask for your consent first.

Sharing Your Information

We keep your data pretty close to the chest, but there are some situations where we need to share it with carefully selected partners:

Service Providers

We work with other companies that help us run our operations—things like email platforms, learning management systems, and payment processors. These providers only get access to the information they need to do their job, and they're contractually obligated to protect your data.

Legal Requirements

If we're legally required to disclose information—say, in response to a court order or regulatory investigation—we will. We'd also share information if necessary to protect someone's safety or prevent fraud.

Your Rights

Australian privacy law gives you several rights regarding your personal information. Here's what you can do:

To exercise any of these rights, email us at info@kerinovaly.com. We'll need to verify your identity before processing requests, but we'll respond within 30 days.

Security Measures

We take security seriously. Your data is stored on secure servers with encryption both in transit and at rest. Access is restricted to team members who genuinely need it to do their jobs, and we regularly review our security practices.

That said, no system is 100% secure. While we do everything reasonable to protect your information, we can't guarantee absolute security. If you notice anything suspicious, contact us immediately at info@kerinovaly.com.

Data Retention

We don't keep your information longer than necessary. Here's our general approach:

• Course enrolment data and learning records are kept for seven years after completion
• Financial records are retained for seven years to comply with Australian tax law
• Marketing contact lists are reviewed annually, and inactive contacts are removed
• Website analytics data is automatically deleted after 26 months
• General enquiry information is kept for two years unless there's an ongoing relationship

When we delete data, we do so securely and permanently.

Cookies and Tracking

Our website uses cookies—small text files stored on your device—to remember your preferences and understand how you use our site. Most are essential for the site to function properly, while others help us improve the user experience.

You can control cookie settings through your browser, though disabling certain cookies might affect how the site works for you. We use analytics cookies to see which content is most helpful and where people might be getting stuck.

We don't use advertising cookies or share your browsing behaviour with advertising networks.

Children's Privacy

Our services are designed for adults. We don't knowingly collect information from anyone under 18. If you're a parent or guardian and believe your child has provided us with personal information, please contact us so we can delete it.

Changes to This Policy

We review and update this privacy policy periodically to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify current students and subscribers via email.

The "last updated" date at the top of this page shows when we last revised the policy. We'd recommend checking back occasionally, especially if it's been a while since you last read it.

Complaints and Concerns

If you're unhappy with how we've handled your personal information, we want to hear about it. Contact our privacy officer at info@kerinovaly.com with the details of your concern.

We'll acknowledge your complaint within 7 days and provide a full response 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).