Privacy Policy
Your privacy matters to us. Here's how we protect and handle your personal information when you use moraliquenzo's budget optimization services.
Last Updated
This Privacy Policy was last updated on March 15, 2025. We review and update our privacy practices regularly to ensure we're providing you with the most current information about how we handle your data.
Who We Are
moraliquenzo operates from 108 Drummond St North Ballarat VIC 3350, Australia. We provide budget optimization services to individuals and businesses across Australia. When we say "we," "us," or "our," we're referring to moraliquenzo and our team of financial advisors and technical staff.
This policy explains how we collect, use, and protect your personal information when you visit our website, use our services, or communicate with us. We're committed to handling your data responsibly and in compliance with Australian Privacy Principles under the Privacy Act 1988.
Information We Collect
We collect different types of information depending on how you interact with us. This includes information you provide directly and information we gather automatically when you use our website.
- Personal details like your name, email address, and phone number when you contact us
- Financial information you choose to share during consultations
- Website usage data including pages visited and time spent on our site
- Device information such as browser type and operating system
- Location data if you enable location services
How We Use Your Information
Your information helps us provide better budget optimization services and communicate effectively with you. We never sell your personal data to third parties.
- Providing personalized budget optimization advice and recommendations
- Responding to your inquiries and scheduling consultations
- Sending you relevant information about our services
- Improving our website and service delivery
- Complying with legal and regulatory requirements
Data Storage and Security
We take data security seriously and implement multiple layers of protection to keep your information safe. Your data is stored on secure servers located in Australia, and we use industry-standard encryption protocols.
All sensitive financial information is encrypted both in transit and at rest. We regularly update our security measures and conduct security audits to identify and address potential vulnerabilities.
Our team receives regular training on data protection practices, and access to your personal information is limited to staff members who need it to provide services to you. We maintain detailed logs of who accesses what information and when.
Access Your Data
You can request a copy of all personal information we hold about you. We'll provide this within 30 days of your request.
Correct Information
If any of your personal details are incorrect or outdated, you can ask us to update them at any time.
Delete Your Data
You can request that we delete your personal information, subject to any legal requirements to retain certain records.
Limit Processing
You can ask us to stop processing your data for specific purposes while still maintaining your account.
Sharing Your Information
We don't share your personal information with outside parties except in specific, limited circumstances. When we do share information, we ensure appropriate safeguards are in place.
We may share your information with trusted service providers who help us deliver our services, such as our website hosting company or email service provider. These providers are contractually required to protect your information and can only use it for the specific services they provide to us.
We may also disclose information if required by Australian law, court order, or to protect our legal rights. We'll always try to give you advance notice unless legally prohibited from doing so.
Cookies and Website Data
Our website uses cookies to improve your browsing experience and help us understand how visitors use our site. Most of these cookies are essential for the website to function properly.
- Essential cookies that keep the website functioning and secure
- Analytics cookies that help us understand visitor behavior
- Preference cookies that remember your settings and choices
You can control cookie settings through your browser, but disabling certain cookies may affect website functionality. We don't use cookies for advertising or tracking across other websites.
Data Retention
We keep your personal information only as long as necessary to provide our services or as required by Australian law. Different types of information have different retention periods.
Contact information and general inquiries are typically kept for two years after our last interaction. Financial consultation records may be retained longer to comply with professional and legal requirements. Website analytics data is anonymized after 12 months.
When we no longer need your information, we securely delete or destroy it using methods that ensure the data cannot be recovered or reconstructed.
Changes to This Policy
We update this privacy policy from time to time to reflect changes in our practices, technology, or legal requirements. When we make significant changes, we'll notify you by email or through a prominent notice on our website.
Minor updates, such as clarifications or formatting changes, may be made without specific notification. We encourage you to review this policy periodically to stay informed about how we protect your privacy.
Questions About Your Privacy?
If you have questions about this privacy policy or how we handle your personal information, we're here to help. You can reach us through any of the following methods: