Privacy Policy
At morcenviora, we understand that your privacy matters deeply when you're making important financial education decisions. This policy explains how we collect, use, and protect your personal information in compliance with Australian Privacy Principles and the Privacy Act 1988.
1Information We Collect
We collect information that helps us provide better corporate finance education and support your professional development journey. Here's what we gather and why it matters:
Personal Details
Name, email address, phone number, and professional title when you enquire about our programs or register for courses.
Professional Information
Current role, company, industry experience, and educational background to tailor our program recommendations.
Technical Data
IP address, browser type, device information, and website usage patterns for security and service improvement.
Communications
Records of emails, phone calls, and messages you send us, including support requests and program enquiries.
We never collect sensitive personal information like health records, financial account details, or government identifiers unless specifically required for program delivery.
2How We Use Your Information
Your information helps us deliver relevant education and maintain our professional relationship with you:
- Program Delivery: Providing course materials, scheduling sessions, and tracking your educational progress
- Communication: Sending program updates, relevant industry insights, and responding to your enquiries
- Service Improvement: Analyzing usage patterns to enhance our educational content and delivery methods
- Legal Compliance: Meeting Australian educational provider requirements and maintaining accurate records
- Marketing: Sharing information about new programs that match your professional interests (you can opt out anytime)
We base our data processing on legitimate business interests, your consent, and our contractual obligations as an education provider. You always have control over how we use your information.
3Information Sharing and Disclosure
We're selective about sharing your information and only do so when it serves your educational needs or meets legal requirements:
With Your Consent: We may share information when you explicitly agree, such as connecting you with industry partners for networking opportunities.
Service Providers: We work with trusted third parties who help deliver our services - email platforms, learning management systems, and payment processors. These providers are bound by confidentiality agreements.
Legal Requirements: We'll disclose information when required by Australian law, court orders, or to protect the safety and rights of our students and staff.
Business Transitions: If morcenviora undergoes ownership changes, your information may transfer to new owners, but your privacy rights remain protected.
We never sell your personal information to third parties for marketing purposes. Your trust is too valuable to compromise.
4Your Privacy Rights
Under Australian privacy law, you have significant control over your personal information:
Access Right
Request a copy of all personal information we hold about you. We'll provide this within 30 days of your request.
Correction Right
Ask us to correct any inaccurate or outdated information. We'll update our records promptly.
Deletion Right
Request deletion of your information when it's no longer needed, subject to legal retention requirements.
Opt-out Right
Unsubscribe from marketing communications anytime using the link in our emails or contacting us directly.
To exercise these rights, email us at support@morcenviora.com with your request. We'll verify your identity and respond within the timeframes required by law. There's no charge for reasonable requests.
5Data Security and Protection
We implement comprehensive security measures to protect your information from unauthorized access, alteration, or misuse:
Technical Safeguards: Our systems use industry-standard encryption, secure servers, and regular security updates. All data transmission occurs through secure, encrypted connections.
Access Controls: Only authorized staff members who need information to serve you can access your personal data. All team members receive regular privacy training.
Regular Monitoring: We conduct security audits and monitor our systems for potential vulnerabilities or unauthorized access attempts.
Incident Response: If a data breach occurs, we'll notify affected individuals and relevant authorities within required timeframes, along with steps we're taking to address the issue.
While we maintain strong security practices, no system is completely immune to threats. We continuously update our protections as technology and risks evolve.
6Data Retention and Deletion
We keep your information only as long as needed to serve you effectively and meet our legal obligations:
Active Enrollment Period
We retain all program-related information throughout your enrollment and for 12 months afterward to support follow-up questions and continued learning.
Marketing Communications
Contact information for marketing purposes is kept until you unsubscribe or request removal, plus 30 days to process the request.
Legal Requirements
Educational records and financial transaction data are retained for 7 years to comply with Australian taxation and education provider regulations.
Automatic Deletion
After retention periods expire, information is automatically purged from our systems unless you've requested continued service.
7International Data Transfers
While morcenviora operates primarily within Australia, some of our educational platforms and service providers are located overseas:
Cloud Storage: We use reputable cloud services that may store data in secure facilities across multiple countries, including the United States and European Union.
Educational Platforms: Some learning management systems and communication tools operate from overseas, but all are required to maintain privacy standards equivalent to Australian law.
Safeguards: Before transferring any data internationally, we ensure adequate privacy protections through contractual agreements, certification schemes, or adequacy decisions.
You can request details about specific international transfers that may affect your information by contacting our privacy team.
8Website Cookies and Tracking
Our website uses cookies and similar technologies to improve your browsing experience and help us understand how people interact with our content:
Essential Cookies: Required for basic website functionality, including security features and your ability to navigate between pages.
Analytics Cookies: Help us understand which pages are most valuable and how people move through our site, allowing us to improve the user experience.
Marketing Cookies: Enable us to show you relevant information about programs that match your interests when you visit other websites.
You can control cookie settings through your browser preferences. Disabling certain cookies may limit some website features, but won't prevent you from accessing important information about our programs.
9Children's Privacy
morcenviora's corporate finance programs are designed for working professionals and business leaders. We don't knowingly collect information from individuals under 18 years of age.
If we discover that we've inadvertently collected information from someone under 18, we'll delete it promptly unless parental consent has been obtained for educational purposes.
Parents or guardians who believe their child's information has been collected can contact us immediately for removal.
10Policy Changes and Updates
We review this privacy policy regularly to ensure it reflects our current practices and remains compliant with evolving privacy laws.
When we make significant changes, we'll notify you by email if you're enrolled in our programs or have subscribed to our communications. We'll also post updates on our website with the new effective date.
Minor clarifications or administrative changes may be made without individual notification, but we'll always maintain the same level of privacy protection you expect from us.
Continued use of our services after policy changes indicates your acceptance of the updated terms.
Privacy Questions or Concerns
We're here to help with any questions about your privacy or how we handle your information. Our team responds to privacy inquiries within 48 hours during business days.
If you're not satisfied with our response to a privacy concern, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC).