1 Introduction and Scope

morivalethiqo ("we," "us," or "our") is committed to protecting your privacy and ensuring transparency about how we handle your personal information. This Privacy Policy explains our practices regarding the collection, use, storage, and protection of personal information when you use our financial analysis services, visit our website at morivalethiqo.com, or interact with us through other channels.

We operate under Australian privacy laws, including the Privacy Act 1988 and the Australian Privacy Principles (APPs). This policy applies to all personal information we collect about you, whether you're a potential client, current client, website visitor, or someone who has contacted us for information about our services.

2 Information We Collect

We collect various types of personal information to provide our financial analysis services effectively. The information we collect includes:

We collect this information through various means including direct interactions, our website, email communications, phone calls, and third-party sources with your consent or as legally permitted.

3 How We Use Your Information

We use your personal information for specific business purposes related to providing our financial analysis services. Our primary uses include:

• Conducting comprehensive financial analysis and preparing detailed reports
• Providing personalized recommendations based on your financial situation
• Communicating with you about our services, appointments, and analysis results
• Processing payments and maintaining accurate billing records
• Verifying your identity and preventing fraudulent activities
• Complying with legal obligations including tax reporting and regulatory requirements
• Improving our services through analysis of usage patterns and feedback
• Sending you relevant information about financial trends that may affect your situation

We do not use your personal information for automated decision-making or profiling that would significantly affect you without your explicit consent and appropriate safeguards in place.

4 Information Sharing and Disclosure

We understand that your financial information is highly sensitive. We do not sell, rent, or trade your personal information to third parties for their marketing purposes. We may share your information only in the following circumstances:

All third parties with whom we share your information are required to maintain appropriate security measures and use your information only for the specified purposes.

5 Data Security and Protection

We implement comprehensive security measures to protect your personal information from unauthorized access, use, disclosure, alteration, or destruction. Our security practices include:

• SSL encryption for all data transmitted through our website and email systems
• Secure, password-protected databases with regular backup procedures
• Physical security measures for our office premises and document storage
• Regular security audits and vulnerability assessments
• Employee training on privacy and security best practices
• Access controls limiting information access to authorized personnel only
• Secure destruction procedures for physical and electronic documents

We regularly review and update our security measures to address emerging threats and maintain the highest standards of data protection. However, please note that no security system is completely foolproof, and we cannot guarantee absolute security of your information.

6 Your Privacy Rights

Under Australian privacy laws, you have several important rights regarding your personal information. We are committed to helping you exercise these rights effectively:

To exercise any of these rights, please contact us using the details provided at the end of this policy. We may need to verify your identity before processing your request to protect your personal information from unauthorized access.

7 Data Retention and Deletion

We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, comply with legal obligations, and protect our legitimate business interests. Our retention periods vary depending on the type of information and applicable legal requirements:

• Financial analysis records: 7 years from completion of services (as required by Australian taxation laws)
• Client communication records: 7 years from last interaction
• Website usage data and cookies: 2 years from collection
• Marketing communications data: Until you unsubscribe or request deletion
• Identity verification documents: 5 years as required for compliance purposes

After the retention period expires, we securely delete or anonymize your personal information using industry-standard methods. Physical documents are shredded and disposed of securely, while electronic data is permanently deleted using secure deletion protocols.

8 International Data Transfers

We primarily store and process your personal information within Australia using Australian-based service providers. However, some of our technology services may involve limited international data transfers to countries with adequate privacy protections.

When international transfers are necessary, we ensure appropriate safeguards are in place, including:

• Transfers only to countries with adequate privacy protection as recognized by Australian law
• Contractual agreements with overseas providers requiring equivalent privacy protections
• Regular monitoring of overseas providers' privacy and security practices
• Encryption of all data during transfer and storage

We will notify you if your information will be transferred overseas and provide details about the destination country and privacy protections in place.

9 Cookies and Website Technologies

Our website uses cookies and similar technologies to enhance your browsing experience, analyze website usage, and improve our services. We use the following types of cookies:

You can control cookie settings through your browser preferences. However, disabling certain cookies may affect the functionality of our website.

10 Updates to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices, legal requirements, or business operations. When we make significant changes, we will:

• Notify you via email if you're a current client or have subscribed to our communications
• Post a notice on our website highlighting the changes
• Update the "Last updated" date at the top of this policy
• Provide a summary of key changes in our notification

We encourage you to review this Privacy Policy regularly to stay informed about how we protect your personal information. Continued use of our services after changes are posted constitutes your acceptance of the updated policy.