Information We Collect

We collect different types of information depending on how you interact with us. Here's what we typically gather and why we need it.

Personal Information You Provide

When you contact us, register for information about savings plans, or use our services, we collect:

• Your name and contact details (email, phone number, address)
• Financial information relevant to savings plan recommendations
• Employment details and income information when assessing plan suitability
• Government identifiers when required for compliance purposes
• Communication preferences and feedback you share with us

Information Collected Automatically

Our website collects technical data to improve your experience:

• IP address and general location information
• Browser type, device information, and operating system
• Pages visited and time spent on our site
• Referral sources and navigation patterns

How We Use Your Information

Your information helps us provide better service and relevant financial guidance. We use what you share to:

• Assess which savings plans might suit your circumstances
• Communicate about your inquiries and provide requested information
• Send educational content about savings strategies (only if you've opted in)
• Improve our website functionality and user experience
• Comply with Australian financial services regulations
• Protect against fraud and maintain service security
• Analyze trends to develop better savings plan options

We'll never use your information for purposes you haven't agreed to, and we won't sell your data to third parties for marketing purposes.

Sharing Your Information

We keep your information within our organization wherever possible. But sometimes we need to share limited data with trusted partners:

All third parties we work with are contractually obligated to protect your information and use it only for the specific purposes we've outlined.

Your Rights and Choices

Under Australian privacy law, you have several rights regarding your personal information. You can:

Access Your Information

You can request a copy of the personal information we hold about you. We'll provide this within 30 days, though we might charge a reasonable fee for extensive requests.

Correct Your Information

If something we have on file is wrong or outdated, let us know. We'll update it promptly and notify anyone we've shared it with if necessary.

Restrict Processing

You can ask us to limit how we use your information in certain circumstances – for example, if you're questioning its accuracy or need for processing.

Opt Out of Communications

You can unsubscribe from marketing emails anytime by clicking the unsubscribe link or contacting us directly. We'll still send essential service communications.

Data Security Measures

Protecting your information isn't just a legal obligation – it's fundamental to how we operate. We've implemented multiple layers of security:

• Encryption for data transmission and storage of sensitive information
• Restricted access to personal data within our organization
• Regular security audits and vulnerability assessments
• Secure backup systems with encrypted storage
• Staff training on privacy obligations and data handling
• Multi-factor authentication for system access

No system is completely foolproof, but we continuously update our security practices to address emerging threats. If we detect a data breach that might affect you, we'll notify you and the relevant authorities as required by law.

Data Retention

We don't keep your information longer than necessary. Here's our general approach:

Active Clients

While you're using our services, we maintain your complete records to provide ongoing support and comply with financial services obligations.

Inquiry Records

If you've made an inquiry but didn't proceed with our services, we typically keep basic contact details for up to two years in case you decide to revisit your options.

Regulatory Requirements

Australian law requires us to keep certain financial records for seven years after a relationship ends. This includes documents related to savings plans, advice provided, and compliance records.

Marketing Preferences

If you've opted into our educational content, we'll keep your preferences until you unsubscribe or we don't hear from you for three years.

Once retention periods expire, we securely delete or anonymize your information so it can't be linked back to you.

Cookies and Tracking

Our website uses cookies – small files stored on your device that help us provide a better experience. We use:

Essential Cookies

These are necessary for basic website functionality. Without them, parts of our site simply won't work. These cookies don't collect personal information.

Analytics Cookies

We use these to understand how visitors use our site – which pages are popular, where people spend time, and what might need improvement. This data is aggregated and anonymized.

Most browsers let you control cookie preferences. You can block or delete cookies through your browser settings, though this might affect how our site works for you.

International Data Transfers

Your information is primarily stored and processed in Australia. However, some of our technology providers operate servers in other countries. When we transfer data internationally:

• We ensure the receiving country has adequate privacy protections
• We use contractual clauses that enforce Australian privacy standards
• We encrypt data during transfer to prevent unauthorized access
• We regularly audit international service providers for compliance

If you have concerns about where your data is stored, contact us – we can provide specific details about our current arrangements.

Children's Privacy

Our services are designed for adults making savings decisions. We don't knowingly collect information from individuals under 18 without parental consent. If you're a parent and believe we've inadvertently collected your child's information, please contact us immediately so we can remove it.

Changes to This Policy

Privacy practices and regulations evolve, so we update this policy periodically. When we make significant changes, we'll notify you by email if we have your contact details, or display a prominent notice on our website.

The date at the top of this page shows when we last updated the policy. We encourage you to review it occasionally to stay informed about how we're protecting your information.

Complaints and Disputes

If you're concerned about how we've handled your information, we want to hear about it. Here's how our complaint process works:

Step One: Contact Us

Email info@moraviquetra.com or write to us at 210c Pakington St, Geelong VIC 3218. Explain your concern in as much detail as you can.

Step Two: Our Investigation

We'll acknowledge your complaint within two business days and investigate thoroughly. Most issues are resolved within 30 days.

Step Three: External Resolution

If you're not satisfied with our response, you can contact the Office of the Australian Information Commissioner (OAIC). They're independent and can investigate privacy complaints about Australian organizations.