Privacy Policy
At miravontiq, we respect your privacy and take protecting your personal information seriously. This policy explains how we collect, use, and safeguard your data when you interact with our budget education services.
Information We Collect
We gather different types of information to provide you with effective budget education services. Here's what we collect and why it matters for your learning experience.
Personal Details
- Full name and contact email
- Phone number when provided
- Mailing address for course materials
- Age verification for program eligibility
Account Information
- Login credentials and passwords
- Course enrollment records
- Learning progress and completion
- Payment and billing details
Technical Data
- IP address and device information
- Browser type and version
- Pages visited and time spent
- Referring website sources
Learning Analytics
- Quiz results and assessments
- Module completion rates
- Video watch duration
- Resource download history
How We Use Your Information
Your data helps us deliver personalized budget education that actually works for your situation. We don't sell your information or use it for anything outside these specific purposes.
We use collected information to manage your course enrollment, track your learning progress, and send relevant educational content. This includes personalized recommendations based on modules you've completed and areas where you might benefit from additional resources.
Technical data helps us improve our platform performance and identify issues that might affect your learning experience. We analyze usage patterns to understand which teaching methods work best and where students need more support.
Communication preferences you set determine how often we contact you about new courses, budget tips, and program updates. You control these settings through your account dashboard.
Legal Basis for Processing
Under the Australian Privacy Principles and Privacy Act 1988, we process your personal information based on several legal grounds. Understanding these helps you know why we handle your data the way we do.
Contract performance: When you enroll in our courses, we need your information to deliver the education services you've signed up for. This includes processing payments, providing course access, and tracking your progress.
Legitimate interests: We analyze learning patterns to improve our teaching methods and course content. This helps us serve all students better without compromising individual privacy.
Consent: Some activities require your explicit permission, like sending marketing emails about new programs or sharing success stories. You can withdraw consent anytime through your account settings.
Your Privacy Rights
Australian privacy law gives you control over your personal information. Here are the rights you can exercise with miravontiq.
Access Your Data
Request a complete copy of personal information we hold about you. We'll provide this within 30 days in a readable format.
Correct Inaccuracies
Update or fix any incorrect personal details in your account. Most changes you can make directly through your profile settings.
Delete Information
Request deletion of your personal data when it's no longer needed for educational purposes. Some records we must keep for legal compliance.
Object to Processing
Stop us from using your data for specific purposes like marketing communications. Educational service data may need to be retained.
Data Portability
Receive your personal information in a structured format that you can transfer to another education provider if needed.
Withdraw Consent
Change your mind about previously given permissions. This doesn't affect the lawfulness of processing before withdrawal.
Security Measures
Protecting your information is fundamental to how we operate. We've implemented multiple layers of security to keep your data safe from unauthorized access.
Encryption Standards
All data transmission uses TLS 1.3 encryption. Sensitive information like payment details is encrypted at rest using AES-256 standard.
Access Controls
Staff access to student data is limited to those who need it for their role. All access is logged and regularly audited.
Infrastructure Security
Our servers are hosted in Australian data centers with physical security measures, backup systems, and disaster recovery protocols.
Regular Testing
We conduct quarterly security assessments and penetration testing to identify and fix vulnerabilities before they become problems.
Incident Response
Our team has procedures to detect, respond to, and notify you of any data breaches within 72 hours as required by law.
Data Retention Periods
We keep your information only as long as necessary to provide services and meet legal requirements. Different types of data have different retention schedules.
Active Student Records
Maintained throughout your enrollment and for 2 years after course completion. This allows you to access certificates and resume learning if you return.
Financial Records
Kept for 7 years from transaction date to comply with Australian taxation laws and accounting standards.
Marketing Communications
Stored until you unsubscribe or request deletion. Preference data kept to honor your opt-out choices indefinitely.
Technical Logs
Retained for 90 days for security monitoring and troubleshooting. Anonymized analytics kept longer for service improvement.
Deleted Account Data
Most personal information removed within 30 days of account deletion. Some records kept in anonymized form or for legal compliance.
Third-Party Sharing
We work with carefully selected service providers to deliver our education programs. These partners access only the information needed for their specific function.
Payment Processors
Handle course enrollment payments and subscription billing securely. They receive payment information but not your full learning history.
These providers operate under strict PCI-DSS compliance standards for payment card security.
Email Service Providers
Send course updates, budget tips, and educational content you've requested. They access your email address and communication preferences.
You can unsubscribe from promotional emails while still receiving essential course communications.
Cloud Hosting Services
Store course content and student data on secure Australian servers. These providers have limited access for technical maintenance only.
Data processing agreements ensure they handle information according to Australian privacy standards.
Analytics Platforms
Help us understand how students use our platform to improve course delivery. Information is typically anonymized or aggregated.
We use privacy-focused analytics that don't share individual student data with advertisers.
International Data Transfers
Your information is primarily stored and processed within Australia. When we use international service providers, we ensure appropriate safeguards protect your data.
Some technical infrastructure providers operate globally with data centers in multiple countries. We only work with partners who maintain Australian-equivalent privacy standards and have proper data transfer mechanisms in place.
Before transferring any personal information overseas, we verify the destination country has adequate data protection laws or implement additional contractual protections.
Cookies and Tracking
We use cookies and similar technologies to make our platform work properly and understand how you interact with our content.
Essential cookies keep you logged in and remember your course progress. These are necessary for the platform to function and can't be disabled without affecting your experience.
Analytics cookies help us see which lessons are most helpful and where students get stuck. This information improves our teaching approach but isn't linked to your personal identity in reports.
You can manage cookie preferences through your browser settings. Blocking non-essential cookies won't prevent you from accessing course content, though some features might not work as smoothly.
Children's Privacy
Our budget education programs are designed for adults 18 years and older. We don't knowingly collect personal information from children under 18 without parental consent.
If a parent or guardian believes their child has provided us with personal information, contact us immediately. We'll delete the information and terminate any associated account.
For youth-focused financial literacy programs, we require verified parental consent before enrollment and follow stricter data handling procedures.
Policy Updates
We review and update this privacy policy periodically to reflect changes in our practices or legal requirements. The effective date at the top shows when the current version took effect.
Significant changes will be communicated through email and a notice on your account dashboard. Continuing to use our services after updates means you accept the revised policy.
Privacy Questions or Concerns
If you have questions about how we handle your personal information or want to exercise your privacy rights, reach out through any of these channels.
Email: help@miravontiq.com
Phone: +61 3 5229 3899
Mail: miravontiq Privacy Officer, 4/95 Pitt St, Sydney NSW 2000, Australia
We typically respond to privacy requests within 5 business days. Complex requests might take up to 30 days as permitted by Australian privacy law.
Complaints and Disputes
If you're not satisfied with how we've handled your privacy concerns, you have the right to lodge a complaint with the Office of the Australian Information Commissioner.
We encourage you to contact us first so we can try to resolve the issue directly. Most concerns can be addressed through open communication with our privacy team.
For formal complaints, provide detailed information about the issue including dates, what happened, and what outcome you're seeking. We'll investigate thoroughly and respond with our findings and proposed resolution.