Privacy Policy

Information We Collect

When you use our services, we collect several types of information to help you build a stronger financial foundation. Here's what we gather and why it matters:

Personal Identification Information

We collect basic details like your name, email address, phone number, and residential address. This helps us communicate with you about your financial planning progress and send important updates about your account.

Financial Information

To provide tailored emergency fund recommendations, we need to understand your financial situation. This includes information about your income, expenses, existing savings, and financial goals. We don't store complete banking credentials or access your accounts directly.

Technical Data

Like most websites, we automatically collect certain technical information when you visit our site. This includes your IP address, browser type, device information, and how you navigate through our pages. This helps us improve your experience and troubleshoot any issues you might encounter.

How We Use Your Information

We're not in the business of collecting data for its own sake. Everything we gather serves a specific purpose in helping you achieve better financial security:

• Creating personalised emergency fund strategies based on your unique circumstances
• Sending you educational content about financial planning and money management
• Responding to your questions and providing customer support
• Improving our services based on how people actually use our platform
• Meeting legal obligations under Australian financial services regulations
• Detecting and preventing fraudulent activity or security threats
• Analysing trends to develop better planning tools and resources

Sharing and Disclosure

We keep your information within our organisation as much as possible, but there are some situations where we need to share data with carefully selected partners:

Service Providers

We work with trusted companies that help us run our platform. This includes cloud hosting providers, email delivery services, and analytics platforms. These partners are contractually required to protect your information and can only use it for the specific services they provide to us.

Legal Requirements

Sometimes we're legally required to disclose information. This happens when we receive a valid court order, subpoena, or need to comply with Australian financial regulations. We'll always verify the legitimacy of such requests before sharing anything.

Business Transfers

If morivexario is acquired by or merges with another company, your information would be transferred as part of that transaction. You'd be notified beforehand, and the new entity would be bound by this privacy policy until they provide you with an updated version.

Your Rights Under Australian Law

The Privacy Act 1988 and Australian Privacy Principles give you specific rights regarding your personal information. Here's what you can do:

Security Measures

Protecting your financial information is something we take extremely seriously. Here's how we keep your data safe:

Encryption Standards

All data transmitted between your device and our servers is encrypted using TLS 1.3 protocol. This is the same level of security used by banks and financial institutions. Your information is also encrypted when stored on our servers using AES-256 encryption.

Access Controls

Only authorised staff members can access your personal information, and only when they need it to provide services to you. We maintain detailed logs of who accesses what information and when. Our team undergoes regular security training and background checks.

Infrastructure Security

Our systems are hosted in secure Australian data centres with physical security measures, redundant power supplies, and 24/7 monitoring. We conduct regular security audits and penetration testing to identify and fix potential vulnerabilities before they can be exploited.

Incident Response

Despite our best efforts, no system is completely immune to breaches. If we detect unauthorised access to your data, we'll notify you within 72 hours and report the incident to the Office of the Australian Information Commissioner as required by law. We'll also explain what happened, what information was affected, and what steps we're taking to prevent similar incidents.

Cookies and Tracking Technologies

We use cookies and similar technologies to make our website work properly and improve your experience. Here's what you should know:

Essential Cookies

These are necessary for the website to function. They remember your login status and security settings. You can't disable these through our website, but you can block them through your browser settings. Just know that some features won't work properly without them.

Analytics Cookies

We use these to understand how people use our site. This helps us identify confusing navigation, broken features, or content that people find particularly helpful. The data is aggregated and anonymous. We use our own analytics system rather than third-party services like Google Analytics to keep your data more private.

Preference Cookies

These remember your choices, like whether you prefer light or dark mode, or which currency format you want to see. They make your experience more convenient but aren't essential for the site to work.

You can control cookie settings through your browser preferences. Most browsers allow you to block or delete cookies, though this might affect how the website works for you.

Children's Privacy

Our services are designed for adults managing their own finances. We don't knowingly collect information from anyone under 18 years old. If you're a parent or guardian and believe your child has provided us with personal information, contact us immediately and we'll delete it from our systems.

That said, we recognise that some parents want to teach their teenagers about financial planning. If you're under 18 and want to learn about emergency funds, we recommend using our educational resources with a parent or guardian's supervision.

International Data Transfers

Your information is primarily stored and processed in Australia. However, some of our service providers operate servers in other countries. When we transfer data internationally, we ensure adequate protections are in place:

• We only work with providers in countries with privacy laws comparable to Australia's
• We use standard contractual clauses approved by the Australian government
• We conduct regular audits to verify our partners maintain appropriate security standards
• We limit the amount of data transferred to only what's necessary for the specific service

If you have concerns about international data transfers, you can request that your information be stored exclusively within Australia. This may limit some features, but we'll work with you to find a solution that meets your needs.

Changes to This Policy

We update this privacy policy periodically to reflect changes in our practices, technology, or legal requirements. When we make significant changes, we'll notify you by email and display a prominent notice on our website for at least 30 days before the changes take effect.

Minor updates that don't materially affect how we handle your information will be posted here with an updated "Last Updated" date. We encourage you to review this policy periodically, especially before providing us with new types of information.

If you disagree with changes to this policy, you can close your account before they take effect. Continuing to use our services after the effective date means you accept the updated terms.

Complaints and Disputes

If you're concerned about how we've handled your personal information, please contact us first. We'll investigate and respond within 30 days. Most issues can be resolved through direct communication.

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). They're an independent government body that oversees privacy compliance in Australia.