Privacy Policy

Introduction and Our Commitment

At moravexilon, we understand that your personal information is valuable and deserves protection. This policy explains how we collect, use, and safeguard your data when you use our financial forecasting and budgeting services. We're committed to transparency about our practices and ensuring you have control over your information.

This privacy policy applies to all interactions with moravexilon, whether through our website, mobile applications, or direct communications. We operate under Australian privacy laws and maintain strict standards for data protection.

Information We Collect

We collect different types of information depending on how you interact with our services. Here's what we gather and why:

How We Use Your Information

Your data serves specific purposes that directly benefit your experience with our financial tools:

• Creating personalized financial forecasts and budget recommendations based on your input
• Improving our algorithms and adding new features that address common user needs
• Sending relevant updates about your account, new tools, or important service changes
• Providing customer support and responding to your questions or technical issues
• Ensuring platform security and preventing unauthorized access to your financial data
• Complying with Australian financial regulations and maintaining audit trails where required

Data Sharing and Third Parties

We don't sell your personal information to anyone. However, we do work with trusted partners in specific circumstances:

Service Providers: We use cloud hosting services, email platforms, and analytics tools that help us deliver our services. These companies only access data necessary for their specific function and are bound by strict confidentiality agreements.

Legal Requirements: We may disclose information when required by Australian law, court orders, or government investigations. We'll notify you of such requests unless legally prohibited from doing so.

Business Transfers: If moravexilon is acquired or merged with another company, your information may transfer to the new entity. You'll receive advance notice of any such changes and options for your data.

Your Privacy Rights

Under Australian privacy law, you have several rights regarding your personal information:

Data Security Measures

We take several steps to protect your information from unauthorized access, alteration, or disclosure:

• All data transmissions use TLS encryption (the same technology banks use for online transactions)
• Financial information is stored in encrypted databases with restricted access controls
• Our team undergoes regular security training and follows strict data handling procedures
• We conduct quarterly security audits and vulnerability assessments
• Access to your data is limited to employees who need it for their specific job functions
• We maintain backup systems to prevent data loss while ensuring backups are equally secure

While we implement industry-standard security measures, no online service can guarantee complete protection. We recommend using strong, unique passwords and enabling two-factor authentication where available.

Data Retention and Deletion

We keep your information only as long as necessary to provide our services and meet legal obligations:

Active Accounts: Your personal and financial data remains available while your account is active and for 12 months after your last login to allow for account reactivation.

Closed Accounts: When you close your account, we delete most personal information within 90 days. Some data may be retained longer for legal compliance or fraud prevention.

Legal Requirements: Certain financial records may need to be kept for up to 7 years to comply with Australian business and taxation laws.

Anonymized Data: We may retain anonymized usage statistics indefinitely to improve our services, but this data cannot be linked back to you personally.

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance your experience and understand how our services are used:

Essential Cookies: Required for basic functionality like logging in, remembering your preferences, and maintaining security. These cannot be disabled.

Analytics Cookies: Help us understand which features are most useful and where users encounter difficulties. You can opt out of these through your browser settings.

Marketing Cookies: Used to show relevant advertisements and measure campaign effectiveness. These require your consent and can be disabled at any time.

You can manage cookie preferences through your browser settings or our cookie preference center. Disabling certain cookies may limit some website functionality.

International Data Transfers

While moravexilon is based in Australia, some of our service providers operate servers in other countries. When your data is transferred internationally, we ensure appropriate safeguards are in place:

• Data processing agreements that meet Australian privacy standards
• Encryption during transfer and storage in international systems
• Regular audits of international partners' security practices
• Restrictions on how transferred data can be used or accessed

We primarily use service providers in countries with strong privacy laws, including the United States (under Privacy Shield frameworks) and European Union member states.

Changes to This Policy

We may update this privacy policy periodically to reflect changes in our services, legal requirements, or data practices. When we make significant changes:

• We'll email active users at least 30 days before changes take effect
• We'll post a prominent notice on our website highlighting key changes
• We'll update the "Last modified" date at the top of this policy
• For major changes affecting how we use your data, we may request renewed consent

We encourage you to review this policy periodically, especially before providing new types of information or using new features.