What Information We Collect

When you use our financial milestone planning services, we collect different types of information depending on what you're doing. Some you give us directly. Some we pick up automatically as you navigate the site.

We don't collect more than we need. And we definitely don't collect sensitive information like health records or political affiliations unless you specifically choose to share it in a support conversation – which is rare.

How We Use Your Information

Here's what happens with the data we collect. Nothing mysterious – just practical stuff that helps the platform work properly and helps you plan your financial future.

• Delivering the services you signed up for, including milestone tracking and progress reports
• Sending you important updates about your account, changes to our terms, or security alerts
• Responding when you contact support or ask questions about your planning tools
• Analyzing usage patterns to fix bugs and improve features
• Sending occasional educational content about financial planning – but only if you opted in
• Meeting legal requirements like tax reporting or responding to valid legal requests
• Preventing fraud, abuse, or security issues on the platform

We won't sell your personal information. That's not our business model. We make money by providing useful financial planning tools, not by trading your data to advertisers.

Who We Share Information With

Sometimes we need to share your information with other parties to make things work. Here's the complete picture:

Service Providers

We work with third-party companies that help run our platform – hosting providers, email services, payment processors, analytics tools. They only get access to what they need to do their job, and they're contractually required to keep your data secure and confidential.

Legal Requirements

If we receive a valid legal demand – a subpoena, court order, or similar request from Australian authorities – we may have to disclose your information. We review these requests carefully and only share what's legally required.

Business Transfers

If moralyqentia gets acquired or merges with another company, your information would transfer as part of that transaction. You'd be notified beforehand, and the new entity would still be bound by this privacy policy unless you're given a chance to opt out.

Your Privacy Rights

Australian privacy law gives you specific rights over your personal information. You're not just agreeing to terms and hoping for the best – you have actual control.

To exercise any of these rights, email us at support@moralyqentia.com with your request. We'll verify your identity and respond within the timeframes required by Australian law.

How We Protect Your Information

Security isn't just a checkbox for us. Financial data is sensitive, and we treat it that way.

• All data transmitted between your device and our servers is encrypted using TLS 1.3 protocols
• Financial information is stored with AES-256 encryption at rest in secure Australian data centers
• Access to personal data is restricted to authorized personnel who need it for their work
• We conduct regular security audits and vulnerability assessments with third-party specialists
• Two-factor authentication is available for all accounts and required for staff access
• We monitor systems continuously for suspicious activity and potential breaches
• If a breach occurs that affects your data, we'll notify you within 72 hours as required by law

No system is perfectly secure – that would be dishonest to claim. But we invest heavily in protection and follow industry best practices for financial data.

Data Retention

We keep your information as long as your account is active. Once you close it, here's what happens:

• Personal account details are deleted within 90 days of account closure
• Financial planning data and milestone records are removed at the same time
• Transaction records related to payments are kept for seven years to comply with Australian tax law
• Support communications may be retained for up to two years for quality assurance purposes
• Anonymized usage data that can't identify you may be kept indefinitely for analytics

If you want something deleted sooner, let us know. We'll see what's possible within legal constraints.

Cookies and Tracking

Like most websites, we use cookies – small text files stored on your device that help the site remember you and work properly.

Essential Cookies

These are necessary for basic functions like logging in and navigating between pages. You can't disable these without breaking the site.

Performance Cookies

We use these to understand which features get used most, where people run into problems, and how to make improvements. This data is aggregated and doesn't identify individuals.

Preference Cookies

These remember your settings – like currency format or dashboard layout preferences – so you don't have to reconfigure everything each visit.

You can manage cookie preferences in your browser settings. Disabling some types may affect how well certain features work.

International Data Transfers

Your data is primarily stored and processed in Australia. We occasionally work with service providers in other countries – particularly for cloud infrastructure or specialized tools.

When data goes offshore, we make sure adequate protections are in place through standard contractual clauses, privacy shield frameworks, or equivalent safeguards. We won't send your information to jurisdictions with weak privacy laws unless there's a proper legal mechanism protecting it.

Third-Party Links

Our platform may link to external websites or services – like financial institutions, educational resources, or partner tools. This privacy policy only covers moralyqentia. Once you click through to another site, their policies apply instead.

We try to partner with reputable organizations, but we can't control how they handle data. Read their privacy policies before sharing personal information with them.

Children's Privacy

moralyqentia's services are designed for adults managing their financial planning. We don't knowingly collect information from anyone under 18. If you're a parent and discover your child has created an account, contact us immediately and we'll delete it.

Changes to This Policy

We update this policy occasionally – usually when we add new features, change how something works, or need to comply with new regulations. When significant changes happen, we'll notify you by email and post a notice on the platform at least 30 days before they take effect.

The "Last Updated" date at the top reflects when changes were published. Continued use of moralyqentia after that date means you accept the revised terms.

Australian Privacy Law Compliance

moralyqentia operates under the Australian Privacy Principles outlined in the Privacy Act 1988. This means you have the right to make a complaint if you believe we've mishandled your information.

First, contact us directly at support@moralyqentia.com – we'll investigate and try to resolve the issue. If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au.