Privacy Policy

Our Privacy Commitment

At mornavexquilo, we take your privacy seriously and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, and safeguard your data when you visit our website or use our services.

We believe transparency is essential to building trust, so we've written this policy in plain language to help you understand exactly how your information is handled.

Information We Collect

We collect information that you provide directly to us and information automatically collected when you use our website. Here's what we typically gather:

• Contact information including name, email address, and phone number
• Financial information relevant to planning consultations
• Communication preferences and consultation history
• Website usage data and technical information for service improvement

How We Use Your Information

We use your personal information exclusively for legitimate business purposes related to providing our financial planning services:

• Providing personalized financial planning consultations and analytical reviews
• Communicating about your account, appointments, and service updates
• Improving our services and developing new features based on user needs
• Ensuring website security and preventing fraudulent activities
• Complying with legal obligations and regulatory requirements

Legal Basis for Processing

Under Australian privacy law and international regulations, we process your personal information based on several legal grounds:

We process your data based on your consent for marketing communications, our legitimate interests in providing services, and legal obligations under Australian financial services regulations.

How We Share Your Information

We do not sell your personal information to third parties. We may share your information only in these specific circumstances:

• With service providers who assist in delivering our services under strict confidentiality agreements
• When required by law or to comply with legal processes and regulatory requirements
• To protect our rights, property, or safety, or that of our clients or the public
• In connection with a business transaction such as a merger or acquisition, with appropriate safeguards

Data Security Measures

We implement comprehensive security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. Our security practices include encryption, secure data storage, and regular security assessments.

While we strive to protect your information, no internet transmission is completely secure. We encourage you to take steps to protect your personal information when online.

Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, and resolve disputes. When information is no longer needed, we securely delete or anonymize it.

Your Privacy Rights

Under Australian privacy law and other applicable regulations, you have several rights regarding your personal information:

• Right to access and receive a copy of your personal information we hold
• Right to correct any inaccurate or incomplete personal information
• Right to request deletion of your personal information in certain circumstances
• Right to restrict or limit how we use your personal information
• Right to receive your data in a portable format or transfer it to another service
• Right to object to certain types of data processing, including marketing communications
• Right to withdraw consent at any time where processing is based on consent

Cookies and Tracking

Our website uses cookies and similar technologies to enhance your browsing experience and provide personalized content. For detailed information about our cookie practices, please review our separate Cookie Policy.

You can control cookie settings through your browser preferences, though some website functionality may be affected by disabling certain cookies.

We respect your choices regarding cookies and provide tools to manage your preferences according to your comfort level.

Third-Party Links

Our website may contain links to third-party websites that are not operated by us. We are not responsible for the privacy practices or content of these external sites and encourage you to review their privacy policies before providing any personal information.

Children's Privacy

Our services are designed for adults and we do not knowingly collect personal information from children under 18. If we become aware that we have inadvertently collected such information, we will take steps to delete it promptly.

Policy Updates

We may update this Privacy Policy periodically to reflect changes in our practices, services, or legal requirements. We will notify you of any material changes by posting the updated policy on our website with a new effective date.

Contact Information

If you have questions about this Privacy Policy, want to exercise your privacy rights, or need assistance with any privacy-related matters, please contact us using the information below.