Privacy Policy
Information We Collect
Personal Information
When you engage with our financial progress measurement services, we may collect the following types of personal information:
- Name, email address, and contact details
- Financial data you choose to share for progress tracking
- Educational background and learning preferences
- Payment information for our services
- Communication records and support interactions
- Technical data including IP address and device information
How We Collect Information
We collect information through various channels:
- Direct collection when you register for our services
- Information you provide during educational consultations
- Automated collection through our website and learning platform
- Third-party integrations with your consent
How We Use Your Information
Your personal information helps us provide effective financial education and progress measurement services. We use your data for:
| Purpose | Legal Basis | Data Types |
|---|---|---|
| Service delivery and progress tracking | Contract performance | Personal details, financial data |
| Educational content personalization | Legitimate interest | Learning preferences, progress data |
| Customer support and communication | Contract performance | Contact details, communication records |
| Payment processing | Contract performance | Payment information |
| Service improvement and analytics | Legitimate interest | Usage data, technical information |
Data Sharing and Disclosure
We carefully manage who has access to your personal information. We may share your data with:
Service Providers
We work with trusted third-party providers who help us deliver our services:
- Cloud hosting providers for secure data storage
- Payment processors for transaction handling
- Educational technology platforms for course delivery
- Analytics providers for service improvement
These providers are contractually bound to protect your information and use it only for specified purposes.
We Never Sell Your Data
morenthaeon does not sell, rent, or trade your personal information to third parties for marketing purposes.
Legal Requirements
We may disclose your information when required by Australian law or to:
- Comply with legal obligations or court orders
- Protect our rights and prevent fraud
- Ensure safety and security of our services
- Cooperate with law enforcement when legally required
Your Privacy Rights
Under Australian privacy law, you have important rights regarding your personal information:
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 personal information we have about you.
Delete Your Data
Request deletion of your personal information, subject to our legal obligations and legitimate business needs.
Restrict Processing
Ask us to limit how we use your personal information in certain circumstances.
Data Portability
Request your personal data in a structured, commonly used format for transfer to another service.
Withdraw Consent
Withdraw your consent for data processing activities that rely on your consent.
Data Security and Protection
We take your data security seriously and implement multiple layers of protection:
Technical Safeguards
- End-to-end encryption for data transmission
- Secure cloud storage with regular security audits
- Multi-factor authentication for staff access
- Regular security updates and vulnerability testing
- Network firewalls and intrusion detection systems
Administrative Controls
- Staff training on privacy and security procedures
- Limited access based on job responsibilities
- Regular privacy impact assessments
- Incident response procedures for data breaches
- Third-party security agreements and monitoring
In the unlikely event of a data breach that may cause serious harm, we'll notify affected individuals and the Office of the Australian Information Commissioner within 72 hours as required by law.
Data Retention
We keep your personal information only as long as necessary to provide our services and meet legal requirements:
Active Account
Personal and educational data retained while your account is active
Account Closure
Most data deleted within 30 days of account closure
Legal Requirements
Some records kept for 7 years to meet financial and tax obligations
Complete Deletion
All personal data permanently deleted after retention period
Specific Retention Periods
| Data Type | Retention Period | Reason |
|---|---|---|
| Account information | Account lifetime + 30 days | Service provision |
| Financial progress data | Account lifetime + 2 years | Educational continuity |
| Payment records | 7 years | Tax and accounting requirements |
| Communication logs | 3 years | Customer service quality |
| Marketing preferences | Until withdrawn | Consent-based processing |
International Data Transfers
Your personal information is primarily stored and processed in Australia. However, some of our trusted service providers may process data outside Australia:
Overseas Processing
We may transfer your data to:
- United States - for cloud hosting and educational platform services
- Singapore - for payment processing and fraud prevention
- Ireland - for email and communication services
Protection Measures
When transferring data overseas, we ensure adequate protection through:
- Contracts requiring equivalent privacy protection
- Certification schemes and binding corporate rules
- Assessment of the receiving country's privacy laws
- Regular auditing of overseas processing activities
Cookies and Website Analytics
Our website uses cookies and similar technologies to improve your experience and understand how our services are used:
Types of Cookies
| Cookie Type | Purpose | Duration |
|---|---|---|
| Essential cookies | Website functionality and security | Session or 1 year |
| Performance cookies | Website analytics and optimization | 2 years |
| Preference cookies | Remember your settings and choices | 1 year |
You can control cookies through your browser settings, though some website features may not work properly if you disable them.
Changes to This Policy
We may update this privacy policy from time to time to reflect changes in our practices or legal requirements. When we make significant changes:
- We'll notify you by email if you have an account with us
- We'll post a notice on our website highlighting the changes
- The updated policy will show the new effective date
- We'll maintain previous versions for your reference
We encourage you to review this policy periodically to stay informed about how we protect your information.
Contact Our Privacy Team
If you have questions about this privacy policy or want to exercise your privacy rights, please contact our Privacy Officer:
Privacy Officer
morenthaeon Financial Education
Address:
Albert Pugsley Pl
Charles Sturt University NSW 2678
Australia
Phone: +61 889 416 023
Email: privacy@morenthaeon.com
General Inquiries: info@morenthaeon.com
External Complaints
If you're not satisfied with how we handle your privacy concern, you can lodge a complaint with:
Office of the Australian Information Commissioner (OAIC)
Website: oaic.gov.au
Phone: 1300 363 992
Email: enquiries@oaic.gov.au