Information We Collect

When you use our services, we collect different types of information to provide you with quality education about inflation and financial literacy. Here's what we gather and why:

Personal Information You Provide

This includes data you give us directly when signing up for programs or contacting us:

• Full name and contact details (email, phone number)
• Postal address for correspondence and program materials
• Educational background and learning preferences
• Payment information for course enrollment
• Communication preferences and feedback

Automatically Collected Information

Our website collects certain technical data to improve your experience:

• IP address and browser type
• Device information and operating system
• Pages visited and time spent on our site
• Referring website and search terms used
• Geographic location (city and region level only)

How We Use Your Information

We're not in the business of selling your data. Everything we collect serves a specific purpose related to delivering educational services:

We send occasional updates about new programs and financial education resources. You can opt out of these communications at any time through the unsubscribe link in emails or by contacting us directly.

Data Protection and Security

Protecting your information isn't just policy—it's how we operate. We've put multiple safeguards in place:

Our team members access personal information only when necessary for their roles. We conduct regular security audits and update our systems to address new threats. Physical records are stored in locked facilities with restricted access.

While we take these precautions seriously, no system is completely immune to breaches. If a security incident occurs that affects your data, we'll notify you promptly and explain what happened and what we're doing about it.

Sharing and Disclosure

We don't sell or rent your personal information to third parties. That said, running an education business means working with certain trusted partners:

Service Providers

We work with companies that help us deliver our services—email platforms, payment processors, web hosting providers. These partners can access only the information they need to do their job, and they're contractually bound to protect your data.

Legal Requirements

Sometimes we're legally required to share information with government agencies or law enforcement. This might happen if we receive a valid subpoena or court order, or if we need to protect the rights and safety of our students and staff.

Business Transfers

If morathenqia is acquired or merges with another organization, your information would transfer as part of that transaction. We'd notify you before this happens and explain any changes to how your data is handled.

Your Privacy Rights

Under Australian privacy legislation, you have substantial control over your personal information. Here's what you can do:

To exercise any of these rights, send us a written request at help@morathenqia.com. We'll verify your identity before processing the request and respond within the timeframes required by Australian law.

Cookies and Tracking Technologies

Our website uses cookies—small text files stored on your device that help the site work properly and give us insights into how people use it.

Types of Cookies We Use

• Essential cookies: Required for basic site functionality like maintaining your session
• Performance cookies: Help us understand which pages are popular and how visitors navigate our site
• Functionality cookies: Remember your preferences and settings between visits

You can disable cookies through your browser settings, though this might affect how well our site works for you. Most browsers let you block third-party cookies while keeping first-party ones active—a good middle ground.

Data Retention

We keep your information only as long as needed for the purposes we collected it. After you complete a program, we retain your records for seven years to comply with Australian financial and educational regulations.

Marketing data stays on file until you ask us to remove it. Technical logs and analytics data are typically deleted after 24 months. Payment records follow specific retention requirements set by financial services regulations.

When we no longer need your data, we delete it securely using methods that prevent recovery. Physical documents are shredded, and digital files are permanently erased from our systems.

International Data Transfers

While morathenqia operates primarily in Australia, some of our service providers are based overseas. This means your information might be processed or stored in other countries, including the United States and European Union nations.

We only transfer data to countries with adequate privacy protections or to companies that have agreed to safeguard your information according to Australian standards. These arrangements include contractual clauses that create legal obligations to protect your data.

Children's Privacy

Our programs are designed for adults aged 18 and over. We don't knowingly collect information from children under 18. If we discover that we've inadvertently gathered data from someone under 18, we'll delete it immediately.

Parents or guardians who believe their child has provided us with personal information should contact us right away so we can address the situation.

Changes to This Policy

We update this privacy policy occasionally to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you by email or through a prominent notice on our website.

The date at the top of this page shows when it was last revised. We encourage you to review this policy periodically, especially before providing us with new personal information.

Complaints and Disputes

If you're concerned about how we've handled your personal information, please reach out to us first. We'll investigate your complaint and respond within 30 days.

If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC). They're the independent authority that oversees privacy law compliance in Australia.