Privacy Policy

Information We Collect

When you interact with miravaleptiq, we collect different types of information to provide you with quality budgeting education. Here's what we gather and why.

Personal Information You Provide

This includes data you voluntarily share with us:

• Your name, email address, and phone number when you register for programs
• Postal address for sending course materials or certificates
• Payment information processed through secure third-party providers
• Demographic information like age range and employment status to tailor content
• Learning preferences and financial goals you share during enrolment
• Course feedback, testimonials, and survey responses

Automatically Collected Information

Our systems automatically gather certain technical data:

• IP address and general location data (city/region level only)
• Browser type, device information, and operating system
• Pages visited, time spent on site, and navigation patterns
• Referral sources and search terms used to find us
• Course progress, completion rates, and assessment scores
• Login times and session duration for security purposes

Information From Third Parties

Occasionally, we receive data from external sources like payment processors, analytics providers, or social media platforms if you choose to connect your accounts. We only accept this information when legally permitted and relevant to our services.

How We Use Your Information

Every piece of data we collect serves a specific purpose. We don't believe in gathering information just because we can.

Service Delivery and Improvement

• Creating and managing your learning account
• Providing access to course materials and educational resources
• Tracking your progress and issuing certificates
• Personalising content based on your learning style and goals
• Analysing how people use our platform to make it better
• Developing new courses based on what students actually need

Communication and Support

• Sending course updates, schedules, and important announcements
• Responding to your questions and support requests
• Providing technical assistance when needed
• Sharing relevant educational content and resources
• Gathering feedback to improve our teaching methods

Legal and Security Purposes

Sometimes we need to use your information to comply with Australian Privacy Principles, respond to legal requests, prevent fraud, protect our rights, or ensure platform security. We only do this when necessary and required by law.

Data Sharing and Disclosure

We don't sell your personal information. Period. But we do share data with specific parties when it's necessary to provide our services.

All third parties we work with are contractually obligated to protect your information and can only use it for the specific purposes we've outlined. They can't use your data for their own marketing or sell it to others.

Your Rights Under Australian Privacy Law

The Australian Privacy Act gives you specific rights regarding your personal information. We respect these rights and make it straightforward to exercise them.

Data Security and Protection

We take security seriously because we know you're trusting us with personal information. Here's how we protect your data.

Technical Safeguards

• Industry-standard SSL/TLS encryption for all data transmission
• Encrypted storage for sensitive personal information
• Regular security audits and vulnerability assessments
• Firewalls and intrusion detection systems
• Secure access controls with multi-factor authentication
• Regular software updates and security patches

Organisational Measures

• Staff training on privacy and data protection
• Limited access to personal information based on job requirements
• Confidentiality agreements with all employees and contractors
• Regular privacy impact assessments
• Incident response procedures for potential data breaches

Despite our best efforts, no system is completely secure. If we discover a breach that affects your personal information, we'll notify you and the relevant authorities as required by Australian law.

Data Retention and Deletion

We don't keep your information forever. Here's how long we retain different types of data and why.

Active Account Information

While your account is active, we keep the information necessary to provide our services. This includes your profile, course history, and learning progress. You can access and update this information anytime through your account settings.

After Account Closure

If you close your account or request deletion, we'll remove your personal information within 90 days. However, we may retain certain data longer when required by law, for example:

• Financial records for seven years under Australian tax law
• Student records for certificate verification purposes
• Communications records where legal disputes exist
• Anonymised data for research and analytics

Backup Systems

Your information may exist in backup systems for up to 180 days after deletion from active systems. These backups are encrypted and not accessible for day-to-day operations.

Cookies and Tracking Technologies

Like most websites, we use cookies and similar technologies. Here's what they do and how you can control them.

Essential Cookies

These are necessary for our website to function. They remember your login status, course progress, and preferences. You can't opt out of these without losing basic functionality.

Analytics Cookies

These help us understand how people use our site so we can improve it. They collect anonymised data about page views, navigation paths, and feature usage. You can opt out through your browser settings.

Marketing Cookies

We use these to show you relevant content and measure campaign effectiveness. You can disable them in your cookie preferences, and we won't be offended.

International Data Transfers

Your information is primarily stored on servers located in Australia. However, some of our service providers operate globally, which means your data might be processed in other countries.

When we transfer data internationally, we ensure adequate protection through:

• Standard contractual clauses approved by privacy regulators
• Verification that recipient countries have adequate privacy laws
• Additional security measures for sensitive information
• Regular compliance reviews of international partners

If you have concerns about international transfers, contact us to discuss alternative arrangements where possible.

Children's Privacy

Our services are designed for adults aged 18 and over. We don't knowingly collect information from anyone under 18 without parental consent.

If you're a parent or guardian and believe your child has provided us with personal information without your consent, please contact us immediately. We'll delete that information from our systems promptly.

For educational programs involving participants under 18, we require explicit parental or guardian consent and implement additional privacy protections appropriate for young people.

Changes to This Privacy Policy

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

The "Last Updated" date at the top shows when we last revised this policy. We encourage you to review it periodically to stay informed about how we're protecting your information.

If you continue using our services after changes take effect, we'll consider that acceptance of the updated policy. If you disagree with changes, you can close your account.

Complaints and Disputes

If you're unhappy with how we've handled your personal information, we want to hear about it.

Internal Complaint Process

First, contact our privacy officer at support@miravaleptiq.com. Describe your concern in detail and include any relevant documentation. We'll acknowledge your complaint within five business days and provide a substantive response within 30 days.

External Resolution

If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC). They're an independent body that handles privacy complaints. Visit oaic.gov.au for more information about the process.