Information We Collect

We collect different types of information depending on how you engage with our services. Here's what we typically gather and why it matters for your learning experience.

Personal Information You Provide

When you register for our programs or reach out to us, you might share:

• Your name, email address, and phone number for communication and account setup
• Postal address when you need course materials delivered (139 York St, Launceston TAS 7250 is our office, not yours)
• Payment details processed through secure third-party gateways
• Educational background and financial knowledge level to tailor course recommendations
• Professional information if relevant to your learning goals

Automatically Collected Data

Our website collects technical information to improve your experience:

• IP addresses and device identifiers for security and analytics
• Browser type, operating system, and screen resolution
• Pages visited, time spent on site, and navigation patterns
• Referring website and search terms used to find us

Learning Activity Information

To support your educational journey, we track progress indicators like course completion rates, quiz scores, and module access patterns. This helps us understand what's working and where students might need extra support.

How We Use Your Information

Your data serves specific purposes that directly benefit your experience with mabotivaemelo. We don't use information beyond what's necessary for these functions.

Information Sharing and Disclosure

We don't sell your personal information. Period. However, we do share data with specific third parties who help us deliver our services effectively.

Service Providers

We work with trusted partners who handle specific operational tasks:

• Payment processors who manage secure transactions (they never see your full payment details)
• Email service providers for course communications and updates
• Cloud hosting services that store course materials and user data
• Analytics platforms that help us understand site usage patterns

These partners operate under strict confidentiality agreements and can only use your information for the specific services they provide to us.

Legal Requirements

We might disclose information if required by Australian law, court orders, or government requests. This includes situations where disclosure is necessary to prevent fraud, protect our rights, or ensure student safety.

Business Transfers

If mabotivaemelo undergoes a merger, acquisition, or asset sale, your information might transfer to the new entity. We'd notify you before this happens and explain any changes to privacy practices.

Data Security Measures

Protecting your information is a daily priority. We've implemented multiple layers of security to prevent unauthorized access, loss, or misuse of your data.

Technical Safeguards

• SSL encryption for all data transmitted between your browser and our servers
• Secure password storage using industry-standard hashing algorithms
• Regular security audits and vulnerability assessments
• Firewalls and intrusion detection systems monitoring our network
• Access controls limiting who can view or modify your information

Organizational Measures

Our team receives regular privacy training, and we maintain strict internal policies about data handling. Only employees who need access to perform their jobs can view personal information.

Your Privacy Rights

Under Australian privacy law, you have several rights regarding your personal information. Here's what you can do and how to exercise these rights.

Access and Correction

You can request a copy of the personal information we hold about you. We'll provide this within 30 days of your request. If you notice any inaccuracies, let us know and we'll update our records promptly.

Data Portability

You can request your data in a commonly used electronic format. This makes it easier if you want to transfer your information to another service provider.

Erasure Requests

You can ask us to delete your personal information in certain circumstances. We'll comply unless we need to retain data for legal or legitimate business reasons (like completing a course you're enrolled in or maintaining financial records as required by law).

Marketing Opt-Out

Unsubscribe from promotional emails anytime. You'll still receive essential communications about courses you're enrolled in or account-related matters.

How to Exercise Your Rights

Send requests to info@mabotivaemelo.com or call us at +61407450744. We'll verify your identity before processing requests to protect your information from unauthorized access. Most requests are handled within 30 days, though complex requests might take longer.

Data Retention Periods

We don't keep your information longer than necessary. Here's our general approach to data retention.

Active Account Data

While you maintain an active account, we retain your information to provide continuous access to your learning materials and track your progress.

Inactive Accounts

If you haven't logged in for three years, we'll send a reminder asking if you want to keep your account active. Without a response, we'll anonymize or delete non-essential data after four years of inactivity.

Financial Records

Australian tax law requires us to maintain financial transaction records for seven years. After this period, we securely destroy payment information and related documentation.

Legal Holds

If information becomes relevant to a legal matter or investigation, we'll retain it until the matter concludes, regardless of standard retention periods.

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance functionality and understand how visitors use our site.

Essential Cookies

These cookies are necessary for the website to function properly. They enable basic features like page navigation, secure access to your account, and remembering your login status between sessions.

Analytics Cookies

We use analytics tools to understand which pages are most visited, how long people stay on different sections, and where users encounter difficulties. This information is aggregated and doesn't identify individual visitors.

Managing Cookie Preferences

Most browsers let you control cookies through their settings. You can block or delete cookies, though this might affect website functionality. Essential cookies will remain necessary for the site to work properly.

Children's Privacy

Our courses are designed for adults aged 18 and over. We don't knowingly collect information from children under 18. If you're under 18 and interested in financial education, please have a parent or guardian contact us to discuss appropriate options.

If we discover we've accidentally collected information from someone under 18, we'll delete it promptly. Parents who believe we might have such information should contact us immediately.

International Data Transfers

While we're based in Australia and primarily serve Australian residents, some of our service providers operate internationally. When your information needs to be transferred overseas, we ensure adequate protection through:

• Standard contractual clauses approved by Australian privacy authorities
• Verification that receiving countries have privacy laws comparable to Australia's
• Your explicit consent when required for specific transfers

We primarily use service providers in Australia, New Zealand, and the European Union, all of which maintain strong privacy protections.

Changes to This Policy

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

The effective date at the top of this policy indicates when it was last updated. We encourage you to review this policy periodically, especially before sharing new information with us.

Continued use of our services after policy updates means you accept the revised terms. If you disagree with changes, contact us to discuss your concerns or close your account.

Complaints and Privacy Concerns

If you have concerns about how we handle your personal information, we want to hear from you. Contact our privacy team first, and we'll work to resolve the issue promptly.

If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC). They're the independent authority that oversees privacy law compliance in Australia.

We take all privacy concerns seriously and will investigate thoroughly. Most issues can be resolved through direct communication, and we're committed to finding solutions that protect your rights.