Privacy Policy
Last Updated: 15 March 2025
At moravelynto, we take your privacy seriously. This policy explains how we collect, use, and protect your personal information when you use our budget foundations educational services. We operate under Australian privacy laws and maintain transparency about our data practices.
moravelynto
1/106 Horton St, Port Macquarie NSW 2444, Australia
Phone: +61398539553
Email: help@moravelynto.com
Information We Collect
We collect different types of information to provide and improve our educational services. Here's what we gather and why it matters:
Personal Information You Provide
When you enrol in our programs or contact us, you might share details like your name, email address, phone number, and sometimes your current financial situation. We need this information to tailor our budget education programs to your needs and communicate with you effectively.
- Contact details (name, email, phone number, mailing address)
- Educational background and financial literacy level
- Learning preferences and program selections
- Payment information for course enrolment
- Communication history with our support team
Automatically Collected Information
Our website collects some technical information automatically. This helps us understand how people use our site and where we can make improvements. Think of it as feedback that helps us serve you better.
- IP address and approximate geographic location
- Browser type and device information
- Pages visited and time spent on our site
- Referring websites and search terms used
- Learning platform activity and progress tracking
How We Use Your Information
Your information serves specific purposes. We don't collect data just for the sake of it – everything we gather has a practical use that benefits your learning experience.
| Purpose | Details |
|---|---|
| Service Delivery | Providing access to learning materials, tracking your progress, and issuing completion certificates |
| Communication | Sending course updates, responding to inquiries, and providing educational support |
| Payment Processing | Managing enrolment fees and maintaining accurate financial records |
| Service Improvement | Analysing how students interact with our content to enhance course quality |
| Legal Compliance | Meeting Australian regulatory requirements and maintaining proper business records |
We will never sell your personal information to third parties. Your data stays with us except when we need to share it with service providers who help us run our educational programs (like payment processors or email service providers). And even then, we make sure they protect your information just as carefully as we do.
Data Sharing and Disclosure
Sometimes we need to share information with trusted partners who help us operate our services. But we're careful about who we work with and what they can do with your data.
Service Providers
We work with companies that provide essential services like payment processing, email delivery, and website hosting. These providers can only use your information for specific tasks we've authorised, and they're contractually bound to protect your privacy.
Legal Requirements
In some situations, Australian law requires us to share information. This might happen if there's a court order, a legal investigation, or if we need to protect someone's safety. We'll always review these requests carefully and only share what's legally required.
Business Transfers
If moravelynto merges with another company or sells assets, your information might be transferred as part of that transaction. You'd be notified beforehand, and your data would remain protected under privacy obligations.
Your Privacy Rights
Under Australian privacy law, you have several rights regarding your personal information. We've made it straightforward to exercise these rights.
Access Your Data
Request a copy of the personal information we hold about you. We'll provide this within 30 days of your request.
Correct Information
Ask us to update or correct any inaccurate or incomplete personal information we have about you.
Delete Your Data
Request deletion of your personal information, subject to legal retention requirements.
Restrict Processing
Limit how we use your information in certain circumstances, like if you're disputing its accuracy.
Data Portability
Receive your personal information in a commonly used, machine-readable format.
Withdraw Consent
Opt out of marketing communications or withdraw consent for data processing activities.
To exercise any of these rights:
Email us at help@moravelynto.com with your request. Include your full name and the email address associated with your account. We'll verify your identity and respond within 30 days.
How We Protect Your Information
Security isn't just a checkbox for us. We've implemented multiple layers of protection to keep your data safe from unauthorised access, disclosure, or misuse.
- Encryption: All data transmitted between your browser and our servers is encrypted using industry-standard TLS protocols. Your payment information is encrypted and processed through secure payment gateways.
- Access Controls: Only authorised staff members can access your personal information, and only when necessary for their job functions. We maintain strict access logs and conduct regular audits.
- Secure Storage: Your data is stored on servers located in Australia with physical and digital security measures. We use reputable hosting providers who comply with Australian data protection standards.
- Regular Updates: We keep our systems and software up to date with the latest security patches and monitor for potential vulnerabilities.
- Staff Training: Our team receives regular training on privacy practices and data protection requirements to maintain high security standards.
Despite our best efforts, no online system is completely secure. If we detect any breach that might affect your personal information, we'll notify you and the relevant authorities as required by Australian law.
Data Retention
We don't keep your information forever. Our retention periods are based on legal requirements and legitimate business needs.
Active Accounts: While you're enrolled in our programs or actively using our services, we retain your information to provide ongoing support and maintain your learning records.
Inactive Accounts: If you haven't logged in for 3 years, we'll send you a reminder email. If there's no response within 60 days, we'll begin the process of anonymising or deleting your data, except for records we're legally required to keep.
Financial Records: Australian tax law requires us to keep financial records for 7 years. These records are stored securely and accessed only when necessary for legal or accounting purposes.
Learning Records: Completion certificates and course transcripts are retained for 10 years to verify your educational achievements if needed in the future.
Cookies and Tracking Technologies
Like most websites, we use cookies and similar technologies. These small files help us remember your preferences and understand how people use our site.
Types of Cookies We Use
- Essential Cookies: Required for the website to function properly. These enable basic features like page navigation and access to secure areas.
- Preference Cookies: Remember your settings and choices to provide a more personalised experience.
- Analytics Cookies: Help us understand how visitors interact with our website by collecting anonymous information.
- Marketing Cookies: Track your activity to show relevant educational content and measure campaign effectiveness.
You can control cookies through your browser settings. Keep in mind that blocking certain cookies might affect how our website functions and your overall experience.
Children's Privacy
Our services are designed for adults aged 18 and over. We don't knowingly collect personal information from children under 18. If you're under 18 and interested in our programs, please ask a parent or guardian to contact us on your behalf.
If we discover we've accidentally collected information from someone under 18, we'll delete it promptly. Parents who believe we might have information about their child should contact us at help@moravelynto.com.
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 you by email or through a prominent notice on our website.
The "Last Updated" date at the top of this page shows when the policy was last revised. We encourage you to review this policy occasionally to stay informed about how we're protecting your information.
Continuing to use our services after changes take effect means you accept the updated policy. If you disagree with any changes, you can close your account by contacting us.
Third-Party Links
Our website might contain links to external sites that aren't operated by moravelynto. We're not responsible for the privacy practices of these third-party sites. When you click on external links, you should review their privacy policies to understand how they handle your information.
We carefully select the resources we link to, but we can't guarantee or be held responsible for their privacy practices or content.
Australian Privacy Principles Compliance
moravelynto complies with the Australian Privacy Principles (APPs) contained in the Privacy Act 1988 (Cth). These principles govern how we collect, use, disclose, and manage personal information.
If you have concerns about how we've handled your personal information, you can lodge a complaint with us at help@moravelynto.com. We'll investigate and respond within a reasonable timeframe.
If you're not satisfied with our response, you have the right to contact the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au or by calling 1300 363 992.