Privacy Policy
Last Updated: March 15, 2025
Information We Collect
When you visit morilantheq.com or contact us about savings plans, we collect different types of information depending on how you interact with our services. Some information you provide directly, while other data is collected automatically through your device.
Information You Provide to Us
- Full name, email address, and phone number when you submit enquiries
- Postal address if you request physical correspondence or documents
- Financial information related to savings goals and current financial position
- Age, employment status, and household composition for tailored savings recommendations
- Communication preferences and feedback you share with our team
Information Collected Automatically
Our website collects technical data through cookies and similar technologies. This includes your IP address, browser type, device information, pages you visit, and how long you spend on each section. We also track which savings plan resources you download and which calculators you use—this helps us understand what content is most valuable.
How We Use Your Information
We don't collect information just to have it sitting in a database. Everything we gather serves specific purposes related to helping you make informed decisions about savings plans.
| Purpose | How We Use Your Data |
|---|---|
| Service Delivery | Responding to your enquiries, providing personalized savings plan recommendations, and sending requested information about our financial services |
| Communication | Contacting you about your enquiry, following up on conversations, and sending educational content about savings strategies when you've opted in |
| Website Improvement | Analyzing how visitors use our site to improve navigation, content organization, and the overall user experience |
| Legal Compliance | Meeting Australian financial services regulations, maintaining records as required by law, and protecting against fraud |
We will never: Sell your personal information to third parties, use your data for purposes you haven't consented to, or share your financial details with marketers. Your information stays within morilantheq and our authorized service providers who help us deliver our services.
Data Sharing and Third Parties
We keep data sharing to a minimum. When we do share information, it's only with parties who help us provide services to you or when Australian law requires it.
Service Providers We Work With
- Email hosting and communication platforms that help us respond to your enquiries
- Cloud storage providers in Australia where we securely store your information
- Analytics tools that help us understand website performance without identifying individual users
- IT security services that protect our systems and your data from unauthorized access
All these providers are bound by strict confidentiality agreements. They can only use your information to perform services for morilantheq—never for their own purposes. We verify that each provider maintains security standards that meet or exceed Australian privacy requirements.
Legal Disclosures
In rare situations, we might need to disclose your information to comply with Australian law, respond to valid legal processes, protect morilantheq's rights, or address safety concerns. We'll notify you about such disclosures unless prohibited by law.
Your Privacy Rights Under Australian Law
The Australian Privacy Act gives you significant control over your personal information. These aren't just theoretical rights—we've built processes to make exercising them straightforward.
Access Your Data
Request a copy of all personal information we hold about you. We'll provide this within 30 days in an accessible format.
Correct Information
Ask us to update or correct any inaccurate information. We'll make changes promptly and notify relevant third parties if needed.
Delete Your Data
Request deletion of your personal information, subject to legal retention requirements for financial services records.
Restrict Processing
Limit how we use your information while we verify accuracy or process your requests regarding data handling.
Data Portability
Receive your information in a structured, commonly used format that you can transfer to another service provider.
Object to Use
Object to our use of your information for specific purposes, such as direct marketing or automated decision-making.
To exercise any of these rights, email us at support@morilantheq.com with "Privacy Request" in the subject line. We'll respond within 5 business days to confirm receipt and let you know what steps we're taking. Most requests are completed within 30 days.
Data Security Measures
Security isn't something we take lightly when handling financial information. We've implemented multiple layers of protection to keep your data safe from unauthorized access, loss, or misuse.
Technical Safeguards: All data transmitted to and from our website is encrypted using industry-standard TLS protocols. Your information is stored on secure Australian servers with restricted access, regular security audits, and continuous monitoring for suspicious activity.
Organizational Safeguards: Only authorized morilantheq staff who need access to perform their jobs can view your information. All employees receive privacy training and sign confidentiality agreements. We maintain detailed access logs and conduct regular reviews.
Physical Safeguards: Our servers are housed in facilities with controlled access, surveillance, and environmental controls. Backup systems ensure data recovery if something goes wrong.
Despite our best efforts, no security system is completely foolproof. If we discover a data breach that affects your information, we'll notify you within 72 hours and explain what happened, what information was involved, and what steps we're taking to address the situation.
Data Retention and Deletion
We don't keep your information forever. How long we retain data depends on the type of information and why we collected it.
Retention Periods
- General enquiry information: 2 years from last contact unless you request earlier deletion
- Financial services records: 7 years as required by Australian financial regulations
- Website analytics data: 26 months in aggregated, anonymized form
- Marketing consent records: Until you withdraw consent, plus 2 years for compliance documentation
- Correspondence and communications: 3 years from the date of last interaction
When retention periods expire, we securely delete or anonymize your information. Deletion means the data is permanently removed from our systems, including backups. Anonymization means we remove all identifying details so the information can't be linked back to you.
Cookies and Tracking Technologies
Our website uses cookies—small text files stored on your device—to improve your experience and help us understand how people use morilantheq.com. You can control cookies through your browser settings, though some site features may not work properly if you disable them.
Types of Cookies We Use
- Essential cookies: Required for basic site functionality like secure areas and form submissions
- Preference cookies: Remember your settings and choices for a personalized experience
- Analytics cookies: Help us understand which content is most useful and where visitors spend time
- Functionality cookies: Enable features like calculators that remember your inputs during your session
We don't use third-party advertising cookies or sell cookie data to marketing companies. Most cookies we use expire when you close your browser, while some preference cookies last up to 12 months so we remember your choices on return visits.
Children's Privacy
morilantheq's services are designed for adults making financial decisions. We don't knowingly collect information from anyone under 18. If you're a parent or guardian who discovers your child has provided us with personal information, contact us immediately and we'll delete it from our systems.
Changes to This Privacy Policy
We review and update this policy regularly to reflect changes in our practices, technology, or legal requirements. When we make significant changes, we'll notify you by email if we have your contact details, or by posting a prominent notice on our website at least 30 days before changes take effect.
Minor updates—like clarifying existing practices or correcting typos—won't trigger notifications, but we'll always update the "Last Updated" date at the top of this page. We encourage you to review this policy periodically, especially before sharing new information with us.
Complaints and Disputes
If you believe we've mishandled your personal information or violated your privacy rights, we want to hear about it and make things right. Here's how the complaint process works:
- Contact our Privacy Officer at support@morilantheq.com with details of your concern
- We'll acknowledge your complaint within 3 business days
- We'll investigate thoroughly and provide a written response within 30 days
- If you're not satisfied with our response, you can escalate to the Office of the Australian Information Commissioner (OAIC)
The OAIC is Australia's independent privacy regulator. You can contact them at enquiries@oaic.gov.au or 1300 363 992. You have the right to lodge a complaint with the OAIC at any time, though we hope to resolve most issues directly with you.
Contact Us About Privacy
Questions about this privacy policy or how we handle your information? We're here to help. Reach out through any of these channels and we'll respond promptly.