Disclaimer

The information in this website and the links provided are for general information only and should not be taken as constituting professional advice from the website owner Kristina Kardum.

Kristina Kardum is not a financial adviser. It is recommended you seek independent legal, financial, taxation or other advice to check how the website information relates to your unique circumstances. Kristina is not liable for any loss caused, whether due to negligence or otherwise arising from the use of, or reliance on, the information provided directly or indirectly, by use of this website.

Links

We link to external sites for your convenience. We are selective about which external sites we link to, but we do not endorse external sites, companies, articles or their authors. When following links to other websites, we encourage you to examine the copyright, privacy and disclaimer notices on those websites.

We regularly maintain links but please contact us to report any broken links.

Embedded content from other websites

Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.

These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.

Privacy

Any information gathered when you use on this website will not be disclosed or distributed further without your consent.

We comply with the Australian Privacy Principles in the Privacy Act 1988 (Cth) which regulates the collection, storage, quality, use and disclosure of personal information.

Collection, use and disclosure of personal information

We will only retain your personal information with your consent, via a prominent button that you may choose to click.  Any time this occurs, you will be informed of the purpose for which the information is being collected.

We will not disclose or distribute your personal information without your consent, except where required to by law, for example by court order.

When you request subscription to our eNewsletter, you will only be required to supply your first name and email address. All other details you might choose to supply are optional.

Your email address will only be used for the purpose for which you provided it and will not be given to any outside party.

Internet security risks

As there may be security risks in sending information via the internet, you should assess these potential risks when deciding whether to use our online services.

If you have any concerns about your privacy when using this website, contact us via the contact page.

What personal data we collect and why we collect it

Comments

When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.

An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment.

Media

If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.

Cookies

If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.

If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.

When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.

If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.

Analytics

How long we retain your data

If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.

For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.

What rights you have over your data

If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.

Where we send your data

Visitor comments may be checked through an automated spam detection service.