Privacy Policy
Last Updated: March 2025
Information We Collect
Personal Information You Provide
When you sign up for our learning programs or contact us, we collect information that you choose to share. This typically includes your name, email address, phone number, and postal address. If you're enrolling in a course, we might also collect educational background information to help us tailor the experience to your needs.
Payment details are handled through secure third-party processors. We never store complete credit card numbers on our systems.
Information Collected Automatically
Like most websites, we gather some technical information automatically when you visit. This includes your IP address, browser type, device information, and how you interact with our site. We use this to improve our services and understand what content resonates with learners.
| Data Type | Purpose | Retention Period |
|---|---|---|
| Contact Information | Communication and program enrollment | Duration of relationship plus 7 years |
| Learning Progress | Track course completion and provide support | Duration of program plus 5 years |
| Technical Data | Site improvement and security | 24 months |
| Payment Records | Transaction processing and tax compliance | 7 years (legal requirement) |
How We Use Your Information
We use the information we collect to provide you with financial education services and support your learning journey. This means sending course materials, responding to your questions, and keeping you updated about program changes or new offerings that might interest you.
- Delivering course content and educational materials through our online platform
- Processing enrollments and managing your account access
- Sending administrative updates about your courses or account
- Providing technical support when you run into issues
- Analyzing learning patterns to improve our curriculum and teaching methods
- Meeting our legal obligations under Australian financial education regulations
We won't sell your information to third parties. That's not our business model, and frankly, it goes against what we believe in.
Sharing Your Information
There are limited situations where we share your data with other organizations. When we do, it's only with trusted partners who help us run our services, and they're bound by strict confidentiality agreements.
Service Providers We Work With
Our learning platform is hosted by cloud service providers who maintain the infrastructure. We use email service providers to send you course materials and updates. Payment processors handle transactions securely. These partners only access data necessary for their specific function.
Legal Requirements
Sometimes Australian law requires us to disclose information. This might happen if we receive a valid court order or subpoena, or if we need to protect someone's safety. We'll always review such requests carefully and only provide what's legally required.
We do not share your personal information with marketing companies, data brokers, or social media platforms for advertising purposes.
Your Privacy Rights Under Australian Law
The Australian Privacy Act gives you specific rights regarding your personal information. We've built systems to help you exercise these rights easily.
Access Your Data
Request a copy of all personal information we hold about you. We'll provide this within 30 days in a readable format.
Correct Inaccuracies
Ask us to fix any incorrect or outdated information in your profile or records.
Request Deletion
Ask us to delete your personal data when it's no longer needed for the purposes we collected it.
Withdraw Consent
Opt out of marketing communications or withdraw consent for data processing activities at any time.
Data Portability
Receive your data in a structured, commonly used format that you can transfer elsewhere.
Lodge a Complaint
Contact the Office of the Australian Information Commissioner if you're unhappy with how we handle your data.
To exercise any of these rights, send us an email at contact@merlaxitovo.com with your request. We'll verify your identity and respond within 30 days. There's no charge for most requests, though we might apply a reasonable fee if your request is particularly complex or repetitive.
Data Security Measures
We take reasonable steps to protect your information from unauthorized access, loss, or misuse. Our systems use industry-standard encryption for data transmission and storage. Access to personal information is restricted to employees who need it to do their jobs.
- SSL/TLS encryption for all data transmitted between your browser and our servers
- Encrypted storage for sensitive personal information in our databases
- Regular security audits and vulnerability assessments by independent firms
- Multi-factor authentication for staff accessing student records
- Regular backups stored in secure, geographically separate locations
- Incident response procedures if a data breach occurs
No system is completely secure, though. If we experience a data breach that affects your information, we'll notify you and the relevant authorities as required by Australian law.
Data Retention
We keep your information only as long as necessary for the purposes we collected it. Different types of data have different retention periods based on legal requirements and practical needs.
Course enrollment records and learning progress are kept for five years after program completion. This allows us to provide transcripts and verify credentials if you need them later. Financial records must be retained for seven years under Australian tax law.
Marketing communications preferences are kept until you ask us to delete them or close your account. Technical logs and analytics data are typically deleted after 24 months.
When we delete information, we do so securely using methods that prevent recovery. In some cases, we might anonymize data instead of deleting it, removing all personally identifiable elements while keeping aggregate information for research purposes.
Cookies and Tracking
Our website uses cookies and similar technologies to function properly and improve your experience. Essential cookies are necessary for basic site operation and can't be disabled. Analytics cookies help us understand how people use the site so we can make improvements.
You can control cookies through your browser settings. Blocking certain cookies might affect site functionality. We don't use cookies for cross-site tracking or targeted advertising.
Children's Privacy
Our financial education programs are designed for adults aged 18 and over. We don't knowingly collect information from children under 18. If you're a parent who believes we've accidentally collected data about your child, contact us immediately and we'll delete it.
Changes to This Policy
We review and update this privacy policy periodically to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you by email or through a prominent notice on our website at least 30 days before the changes take effect.
Continuing to use our services after changes become effective means you accept the updated policy. If you disagree with changes, you can close your account or stop using our services.
International Data Transfers
Your information is primarily stored on servers located in Australia. Some of our service providers operate from other countries, which means your data might be processed overseas. When this happens, we ensure appropriate safeguards are in place through contractual commitments that meet Australian privacy standards.
We carefully vet international partners and only work with those who demonstrate strong privacy practices and comply with data protection regulations in their jurisdictions.
Questions About Privacy?
Reach out to our privacy team with any concerns or questions.
Email: contact@merlaxitovo.com
Phone: +61 479 091 279
Mail: Arawang Primary School, 69 Nemarang Cres, Waramanga ACT 2611, Australia