Privacy Policy
Introduction and Our Commitment
At mireqonova, we understand that your personal information is valuable and deserves protection. This privacy policy explains how we collect, use, store, and protect your personal data when you visit our website or engage with our financial education services. We operate under Australian privacy laws, including the Privacy Act 1988 and the Australian Privacy Principles (APPs).
This document serves as your comprehensive guide to understanding our data practices. We believe in transparency – so we've written this policy in plain English rather than confusing legal jargon. If you have questions after reading this, we encourage you to contact us directly.
Information We Collect
We collect information in several ways when you interact with our platform. Understanding what we collect helps you make informed decisions about sharing your data with us.
- Personal Identification: Name, email address, phone number, and postal address when you register for courses or contact us
- Educational Background: Information about your current financial knowledge level and learning goals
- Payment Information: Credit card details and billing addresses (processed securely through third-party payment providers)
- Usage Data: How you navigate our website, which pages you visit, and how long you spend on different sections
- Device Information: Your IP address, browser type, operating system, and device identifiers
- Communication Records: Emails, chat messages, and phone conversations when you contact our support team
Important Note: We never collect sensitive financial information like bank account numbers, investment portfolio details, or credit scores unless you specifically provide this information for educational purposes within our secure learning environment.
How We Use Your Information
Your information helps us deliver personalized financial education and improve our services. We use your data responsibly and only for legitimate business purposes.
Service Delivery: Processing your enrollment in courses, sending educational materials, and tracking your learning progress
Communication: Sending you course updates, important announcements, and responding to your inquiries
Platform Improvement: Analyzing usage patterns to enhance our website functionality and create better learning experiences
Marketing Communications: Sending newsletters and information about new courses (only with your consent, and you can opt out anytime)
Legal Compliance: Meeting our obligations under Australian consumer protection and business regulations
Data Sharing and Third Parties
We don't sell your personal information to third parties. However, we do share limited data with trusted service providers who help us operate our business effectively.
- Payment Processors: Stripe and PayPal process your payment information securely
- Email Service Providers: We use Mailchimp for sending course updates and newsletters
- Cloud Storage: Amazon Web Services hosts our platform and stores encrypted user data
- Analytics Tools: Google Analytics helps us understand website usage (with anonymized data)
- Customer Support: Zendesk manages our help desk and support ticket system
All our third-party providers have signed data processing agreements and must comply with Australian privacy standards. We regularly review these relationships to ensure your data remains protected.
Your Rights and Control
Under Australian privacy law, you have several important rights regarding your personal information. We've made it easy for you to exercise these rights.
- Access: Request a copy of all personal information we hold about you
- Correction: Ask us to update or correct any inaccurate information
- Deletion: Request deletion of your personal data (subject to legal retention requirements)
- Portability: Receive your data in a machine-readable format to transfer elsewhere
- Objection: Opt out of marketing communications or data processing for certain purposes
- Complaints: Lodge a complaint with us or the Australian Privacy Commissioner
To exercise any of these rights, send us an email with your request. We'll respond within 30 days and verify your identity before processing your request. There's no charge for most requests, though we may charge a reasonable fee for complex or repeated requests.
Data Security and Protection
Protecting your information is a top priority. We've implemented multiple layers of security to safeguard your data against unauthorized access, disclosure, or misuse.
- Encryption: All data transmissions use SSL/TLS encryption, and stored data is encrypted at rest
- Access Controls: Only authorized staff can access personal information, and access is logged
- Regular Audits: We conduct quarterly security reviews and vulnerability assessments
- Staff Training: All team members receive privacy and security training annually
- Secure Infrastructure: Our servers are hosted in Australian data centers with physical security measures
- Backup Procedures: Regular encrypted backups ensure data recovery in case of system failures
Despite our best efforts, no security system is completely foolproof. If we discover a data breach that could affect you, we'll notify you and relevant authorities within 72 hours as required by Australian law.
Data Retention and Deletion
We don't keep your information forever. Our retention periods vary depending on the type of data and legal requirements.
Course Records: Learning progress and completion certificates are kept for 7 years for professional development purposes
Financial Records: Payment and billing information is retained for 7 years to comply with Australian tax law
Marketing Data: Email addresses and preferences are kept until you unsubscribe or request deletion
Support Communications: Help desk tickets and correspondence are archived for 2 years
When retention periods expire, we securely delete your information using industry-standard data destruction methods. You can request earlier deletion, though we may need to keep some records for legal compliance.
International Data Transfers
While we primarily store data in Australia, some of our service providers operate internationally. When your information is transferred overseas, we ensure adequate protection through various safeguards.
We only transfer data to countries with adequate privacy protections or use contractual clauses that require the same level of protection as Australian privacy law. Our main international transfers are to the United States for cloud hosting and email services, all covered by appropriate privacy frameworks.
Cookies and Tracking Technologies
Our website uses cookies and similar technologies to enhance your browsing experience and understand how you use our platform. You can control cookie settings through your browser preferences.
- Essential Cookies: Required for basic website functionality and security
- Analytics Cookies: Help us understand visitor behavior and improve our website
- Preference Cookies: Remember your settings and personalize your experience
- Marketing Cookies: Used to deliver relevant advertisements (only with your consent)
Changes to This Policy
Privacy laws and our business practices evolve over time. We may update this policy periodically to reflect these changes. When we make significant updates, we'll notify you via email and post the new version on our website with a revised date.
We encourage you to review this policy annually or whenever you have concerns about how your information is handled. Your continued use of our services after policy updates constitutes acceptance of the changes.
Questions or Concerns?
Contact our Privacy Officer:
Email: info@mireqonova.com
Phone: +61 410 122 755
Mail: 1/10-16 Forest St, Bendigo VIC 3550, Australia