Our Commitment to Your Privacy

At morvaliqen, we understand that trust forms the foundation of any meaningful business relationship. This privacy policy explains how we collect, use, and protect your personal information when you interact with our financial education services.

We operate under Australian privacy laws, including the Privacy Act 1988 and the Australian Privacy Principles (APPs). Our approach goes beyond mere compliance – we believe transparency about data practices builds stronger partnerships with our clients.

Information We Collect

When you engage with our services, we collect information that helps us provide relevant financial education and support:

We don't collect sensitive personal information unless specifically required for regulatory compliance or with your explicit consent.

How We Use Your Information

Your information serves specific, practical purposes that directly benefit your learning experience:

• Delivering educational content tailored to your business needs
• Tracking your progress through learning programs
• Providing ongoing support and answering your questions
• Sending relevant updates about new courses or industry insights
• Improving our teaching methods based on aggregate learning data
• Meeting legal obligations under Australian financial services regulations

Data Storage and Security

We store your information on secure servers located in Australia, with backup systems that meet industry standards for data protection. Our security measures include:

• Encryption of sensitive data both in transit and at rest
• Regular security audits and vulnerability assessments
• Access controls limiting staff access to necessary information only
• Secure backup procedures with geographically distributed copies
• Regular staff training on privacy and security protocols

While we maintain robust security measures, we also recognize that no system is completely immune to threats. We continuously monitor and improve our defenses against emerging risks.

Your Privacy Rights

Under Australian privacy law, you have several important rights regarding your personal information:

Data Retention and Deletion

We keep your information only as long as necessary to provide our services and meet legal requirements:

• Course enrollment and progress data: Retained for 7 years after course completion
• Communication records: Kept for 3 years from last contact
• Financial transaction records: Stored for 7 years as required by Australian tax law
• Marketing preferences: Maintained until you opt out or request deletion
• Website analytics: Aggregated data retained indefinitely, personal identifiers removed after 2 years

When retention periods expire, we securely delete information using industry-standard data destruction methods.

Third-Party Services

We work with trusted service providers to deliver our educational programs effectively. These partnerships involve limited data sharing under strict confidentiality agreements:

• Learning management system providers for course delivery
• Email service providers for program communications
• Payment processors for secure transaction handling
• Analytics services for website performance monitoring
• Cloud storage providers for secure data backup

All third-party providers are required to maintain privacy standards equivalent to our own and are prohibited from using your data for their own purposes.

Cookies and Website Tracking

Our website uses cookies and similar technologies to improve your browsing experience and help us understand how our content performs:

• Essential cookies that enable basic website functionality
• Analytics cookies that help us improve our content and navigation
• Preference cookies that remember your settings and choices

You can control cookie settings through your browser preferences. Disabling certain cookies may affect some website features, but won't prevent you from accessing our core educational content.

International Data Transfers

While we primarily store data within Australia, some of our service providers operate internationally. When data crosses borders, we ensure:

• Transfers occur only to countries with adequate privacy protections
• Contractual safeguards protect your information during transit and storage
• You're informed when international transfers are necessary for service delivery
• Your rights remain enforceable regardless of data location

Changes to This Policy

We review and update this privacy policy annually, or when significant changes occur to our data practices. When updates are made:

• We'll notify active program participants by email at least 30 days before changes take effect
• The updated policy will be posted on our website with a new "Last Updated" date
• Significant changes may require your renewed consent for continued service
• Previous versions remain available upon request for reference