Cookie Policy
Understanding how we use tracking technologies on morilantheq.com to improve your experience
Last Updated: March 2025What This Policy Covers
We use cookies and similar tracking technologies on our website. This isn't unusual — most financial services sites do. But we want to be upfront about what we're collecting and why it matters for your experience with morilantheq.
This policy explains what cookies are, which ones we use, and how you can control them. We've tried to keep the language straightforward because legal jargon helps nobody.
Understanding Cookies
Cookies are small text files that get stored on your device when you visit websites. They help sites remember things about you — like your preferences or whether you're logged in.
There are different types. Some disappear when you close your browser (session cookies), while others stick around for a set period (persistent cookies). First-party cookies come from us directly. Third-party cookies come from other services we use, like analytics providers.
Why We Use Them
Without cookies, you'd need to log in every time you navigated to a new page. Your preferences wouldn't save. We couldn't tell which parts of our site are actually helpful and which need work.
They're practical tools that make websites function properly. That said, you have control over how they're used.
Types of Cookies We Use
Essential Cookies
These keep the site working. They handle things like security, form submissions, and basic navigation. You can't turn these off without breaking core functionality.
Functional Cookies
These remember your choices — like display preferences or region settings. They make your experience more personalized without tracking your broader browsing habits.
Analytics Cookies
We use these to understand how people interact with our site. Which pages get the most traffic? Where do people drop off? This data helps us improve the overall experience.
Marketing Cookies
These track your visits across different sites to show you relevant content. If you've been researching savings plans, you might see related information when you're browsing elsewhere.
What We Track and Why
- Session data that keeps you logged in as you move between pages
- Your preferences for how information is displayed on our dashboard
- Page views and time spent on different sections to identify what's useful
- Form interactions to understand where people get stuck or confused
- Device and browser information to ensure compatibility across platforms
- General location data (city level) to provide relevant regional information
We don't collect anything that would identify you personally through cookies alone. Names, addresses, financial details — that information requires you to actively provide it through our secure forms.
Third-Party Services
Some cookies come from external services we use. Our analytics platform, for instance, helps us understand site performance. We've chosen providers that align with Australian privacy standards and handle data responsibly.
Analytics Provider
We use standard web analytics to track visitor behavior patterns. This data is anonymized and aggregated — we see trends, not individual browsing histories.
Content Delivery
Our content delivery network uses cookies to serve pages faster and more reliably. These are technical necessities for site performance.
These third parties have their own privacy policies. We've reviewed them, but you might want to check them yourself if you're concerned about how your data moves through the internet.
Managing Your Cookie Settings
You control cookies through your browser settings. Every major browser lets you block or delete them, though the exact steps vary.
- Chrome: Settings → Privacy and security → Cookies and other site data
- Firefox: Settings → Privacy & Security → Cookies and Site Data
- Safari: Preferences → Privacy → Manage Website Data
- Edge: Settings → Privacy, search, and services → Cookies and site permissions
Blocking all cookies will affect how our site works. You won't be able to log in or save preferences. Essential cookies need to stay enabled for basic functionality.
Data Retention
Different cookies last for different periods. Session cookies disappear when you close your browser. Preference cookies might last a year so you don't have to reset your choices constantly.
Analytics cookies typically expire after two years. Marketing cookies vary — some last days, others months. We regularly review these timeframes to make sure we're not holding onto data longer than necessary.
Your Rights
Under Australian privacy law, you have the right to know what data we collect and how we use it. You can request to see your data, ask us to delete it, or opt out of non-essential tracking.
Want to exercise these rights? Contact our support team. We'll respond within a reasonable timeframe and walk you through the process.
Updates to This Policy
We update this policy when our practices change or when regulations evolve. The date at the top shows when we last revised it.
If we make significant changes, we'll let you know through the site or via email if you're a registered user. We won't dramatically alter our approach without giving you a heads up.
Check back periodically if you want to stay informed about how we handle cookies and tracking technologies.
Questions About Cookies?
We know this stuff can get technical. If something doesn't make sense or you want more details about our tracking practices, reach out to us.
Suite 13, Level 1/432 Chapel Rd, Bankstown NSW 2200, Australia