Information We Collect

At moraviqentis, we collect information that helps us provide better budgeting services and improve your financial planning experience. We gather this information through various means when you interact with our platform, register for accounts, or use our weekly budgeting tools.

• Name, email address, and contact information you provide during registration
• Financial information necessary for budgeting calculations and planning
• Communication preferences and notification settings
• Profile information including demographic data for personalized recommendations
• Payment information when subscribing to premium services

When you visit our website or use our mobile application, we automatically collect certain technical information. This includes your IP address, browser type, device information, operating system, and pages you visit. We also collect usage data about how you interact with our budgeting tools and features.

How We Use Your Information

Your information helps us deliver personalized financial guidance and maintain our platform's security. We use collected data to process your requests, send important updates about your account, and improve our budgeting algorithms based on user patterns and preferences.

• Providing weekly budgeting analysis and financial planning recommendations
• Sending account notifications, security alerts, and service updates
• Processing subscription payments and managing billing inquiries
• Improving our platform based on user behavior and feedback
• Complying with legal obligations and preventing fraudulent activities
• Customizing content and features based on your financial goals

We never sell your personal information to third parties for marketing purposes. Our use of data is strictly limited to providing and improving our financial planning services, maintaining platform security, and fulfilling legal requirements under Australian law.

Data Sharing and Third Parties

moraviqentis shares your information only in specific circumstances and with trusted partners who help us operate our platform. We maintain strict agreements with all service providers to ensure your data receives the same level of protection we provide directly.

We work with cloud hosting providers for data storage, payment processors for subscription management, and analytics services to understand platform performance. These partners access only the minimum information necessary to perform their specific functions and are contractually bound to protect your privacy.

We may disclose personal information when required by Australian law, court orders, or government requests. This includes compliance with tax obligations, anti-money laundering regulations, and cooperation with law enforcement when legally mandated. We will notify you of such disclosures when legally permitted to do so.

Your Privacy Rights

Under Australian privacy law, you have several important rights regarding your personal information. We've designed our systems to make exercising these rights as straightforward as possible, and we respond to all requests within the timeframes required by law.

• Access: Request copies of all personal information we hold about you
• Correction: Update incorrect or incomplete information in your profile
• Deletion: Request removal of your personal data, subject to legal retention requirements
• Portability: Receive your data in a structured, commonly used format
• Restriction: Limit how we process your information in certain circumstances
• Objection: Opt out of certain types of data processing activities

Data Security and Protection

We implement multiple layers of security to protect your financial information and personal data. Our security measures include encryption of data both in transit and at rest, regular security audits, and strict access controls for our team members who handle personal information.

• SSL/TLS encryption for all data transmission between your device and our servers
• AES-256 encryption for stored financial data and sensitive personal information
• Regular penetration testing and vulnerability assessments by independent security firms
• Multi-factor authentication requirements for administrative access to systems
• Automated monitoring systems that detect and respond to suspicious activities

Our employees receive regular privacy and security training, and access to personal information is limited to team members who need it for their specific job functions. We maintain detailed logs of data access and regularly review these logs for any unusual patterns or unauthorized access attempts.

Data Retention and Deletion

We retain your personal information only as long as necessary to provide our services, comply with legal obligations, and resolve disputes. Different types of information have different retention periods based on their purpose and legal requirements.

• Account Information: Retained for the duration of your active subscription plus 7 years for financial records
• Transaction Data: Kept for 7 years to comply with Australian taxation and financial reporting requirements
• Communication Records: Stored for 3 years to help resolve customer service inquiries
• Usage Analytics: Aggregated and anonymized after 2 years, with identifiable data deleted
• Marketing Data: Deleted immediately upon unsubscribe or account closure

When you close your account, we begin the deletion process within 30 days, though some information may be retained longer to comply with legal obligations. We can provide specific details about retention periods for your particular data upon request.

International Data Transfers

While moraviqentis primarily operates within Australia, some of our service providers may process data in other countries. When we transfer personal information internationally, we ensure appropriate safeguards are in place to protect your privacy rights in accordance with Australian privacy law.

We only use service providers in countries with adequate privacy protections or implement additional contractual safeguards such as Standard Contractual Clauses. You have the right to request information about any international transfers of your personal data and the safeguards we've implemented.

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance your browsing experience, remember your preferences, and analyze how our platform is used. You can control cookie settings through your browser, though disabling certain cookies may limit some functionality.

• Essential Cookies: Required for basic website functionality and security
• Preference Cookies: Remember your settings and customization choices
• Analytics Cookies: Help us understand how users interact with our platform
• Performance Cookies: Collect information about loading times and technical performance

Changes to This Policy

We review and update this privacy policy regularly to reflect changes in our practices, technology, and legal requirements. When we make significant changes, we'll notify you through email or prominent notices on our platform at least 30 days before the changes take effect.

Minor updates that don't materially affect your rights may be implemented immediately with updated posting dates. We encourage you to review this policy periodically to stay informed about how we protect your information.