Privacy Policy
Last Updated: February 2025
We understand privacy matters. This isn't just another legal document — it's an honest explanation of what happens with your information when you use merquavosent's services. We've written this in plain language because we believe you deserve to know exactly how we handle your data without needing a law degree to understand it.
merquavosent operates under Australian privacy legislation, specifically the Privacy Act 1988 and the Australian Privacy Principles. We take these obligations seriously, but more importantly, we treat your information the way we'd want ours treated.
Information We Collect
Let's be direct about what we gather. When you sign up for our budget performance metrics services, we collect information you give us directly and some data that comes from how you use our platform.
Personal Details You Provide
- Your name, email address, and phone number when you create an account
- Business information if you're using our services for company purposes
- Payment details when you subscribe to premium features
- Financial data you choose to upload for budget tracking and analysis
- Messages and communications when you reach out to our support team
Automatically Collected Information
Like most online services, we collect technical information about how you interact with our platform. This includes your IP address, browser type, device information, and usage patterns. We use this to improve our services and fix technical issues.
We also track which features you use most often. This helps us understand what's working and what needs improvement. If you find a feature confusing and never use it, that's valuable feedback for us — even if you never explicitly tell us.
How We Use Your Information
Here's where transparency becomes important. We use your data for specific purposes, and we're not interested in selling it or using it for unrelated marketing schemes.
- To provide our core budget performance metrics services and maintain your account functionality
- To process payments and prevent fraudulent transactions
- To send you important updates about service changes, security alerts, and account notifications
- To improve our platform based on how people actually use it
- To provide customer support when you need help
- To comply with legal obligations under Australian law
Marketing Communications: We'll occasionally send you information about new features or educational content related to budget management. You can opt out of these at any time. Service notifications and security alerts are different — those are essential to keeping your account secure and we'll continue sending them regardless of marketing preferences.
Data Storage and Security
Your financial information deserves serious protection. We store all data in secure facilities located in Australia, which means your information stays within Australian legal jurisdiction and benefits from our privacy laws.
We use industry-standard encryption for data transmission and storage. That means your information is scrambled during transfer and while sitting on our servers. We also implement regular security audits and maintain strict access controls — only team members who genuinely need access to provide services can view your data.
Backup and Redundancy
We maintain encrypted backups of your data to prevent loss from technical failures or disasters. These backups are stored in separate Australian data centers and are subject to the same security measures as our primary systems.
Sharing Your Information
We don't sell your personal information to third parties. Period. But we do share data in specific, limited circumstances.
| Who We Share With | What We Share | Why We Share It |
|---|---|---|
| Payment Processors | Transaction details and billing information | To process your subscription payments securely |
| Cloud Infrastructure Providers | Encrypted data for storage and processing | To maintain reliable service availability |
| Support Services | Account details when you request help | To resolve your support inquiries effectively |
| Legal Authorities | Required information only | When legally compelled or to prevent fraud |
All third-party service providers we work with are required to maintain confidentiality and security standards that meet or exceed our own. We verify their practices before partnering with them.
Your Privacy Rights
Australian privacy law gives you specific rights regarding your personal information. These aren't just theoretical — we've built systems to honor these requests efficiently.
Access Your Data
Request a copy of all personal information we hold about you. We'll provide this in a readable format within 30 days.
Correct Information
Ask us to fix inaccurate or outdated information. Most details can be updated directly in your account settings.
Delete Your Account
Request complete deletion of your account and associated data. We'll remove everything except what we're legally required to keep.
Data Portability
Export your financial data in a standard format to use elsewhere. You own your information and should be able to take it with you.
Restrict Processing
Limit how we use your information in specific circumstances while keeping your account active.
Lodge a Complaint
File a concern with us or the Office of the Australian Information Commissioner if you believe we've mishandled your data.
Exercising Your Rights: To make any of these requests, email us at info@merquavosent.com with "Privacy Request" in the subject line. We'll verify your identity and respond within the timeframes required by Australian law. Most requests are handled within two weeks.
Data Retention
We don't keep your information forever. Once it's no longer needed for the purposes we collected it, we delete it — with some exceptions required by law.
Active account data remains accessible as long as you maintain your subscription. If you close your account, we'll delete your personal information within 90 days, except for financial records we must retain for tax compliance purposes. Australian law requires us to keep transaction records for seven years.
Anonymized usage data might be retained longer for analytical purposes, but this information can't be traced back to you individually.
Cookies and Tracking
Our website uses cookies — small text files stored on your device. Most are essential for the platform to function properly. Others help us understand how people use our services.
Types of Cookies We Use
- Essential cookies that enable core functionality like logging in and maintaining your session
- Performance cookies that help us identify technical issues and slow-loading pages
- Analytics cookies that show us which features get used most often
You can manage cookie preferences through your browser settings. Disabling essential cookies will affect platform functionality, but you're free to block analytics cookies without impacting your ability to use our services.
International Data Transfers
We primarily store and process data within Australia. In rare cases where data might be accessed by international service providers, we ensure appropriate safeguards are in place through standard contractual clauses and security measures that meet Australian privacy standards.
If you're accessing our services from outside Australia, your information will be transferred to and processed in Australia, where privacy protections may differ from your home country.
Changes to This Policy
Privacy practices evolve as technology changes and laws get updated. When we modify this policy, we'll update the date at the top and notify you through email or a prominent notice on our platform.
Significant changes that affect how we handle your information will be communicated at least 30 days before taking effect. You'll have the opportunity to review the changes and decide whether to continue using our services.
Children's Privacy
Our services aren't designed for anyone under 18. We don't knowingly collect information from minors. If you're a parent or guardian who discovers your child has provided us with personal information, contact us immediately and we'll delete it.
Questions About Privacy?
If something in this policy isn't clear or you have specific concerns about how we handle your information, we're here to help.
Email: info@merquavosent.com
Phone: +61 3 9600 2996
Mail: merquavosent Privacy Team
2A Cheddar Rd
Reservoir VIC 3073
Australia
We aim to respond to all privacy inquiries within five business days.