Privacy Policy
Last Updated: 14 March 2025
At Mevatoriaxo, we're serious about protecting your personal information. This policy explains how we collect, use, and safeguard data when you visit our website or use our budgeting skills education services.
We operate under Australian privacy laws, including the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). If something here doesn't make sense or you want more details, contact us directly.
1. Information We Collect
We gather different types of information depending on how you interact with our services. Here's what we collect and why:
Personal Identifiers
Your name, email address, phone number, and mailing address when you register for courses or contact us.
Account Information
Login credentials, course progress, completed modules, and learning preferences within our platform.
Payment Data
Billing address and transaction history. We don't store full credit card details — our payment processors handle that securely.
Technical Information
IP address, browser type, device information, and how you navigate our site through cookies and analytics tools.
Information You Provide Directly
When you fill out forms, register for courses, or reach out to our support team, you're giving us information voluntarily. This includes:
- Course enrollment details and educational background
- Questions or feedback submitted through contact forms
- Survey responses about your learning experience
- Communications with our instructors or support staff
Automatically Collected Data
Our website collects certain information automatically through cookies and similar technologies. This helps us understand which parts of our site work well and where we can improve. You can manage cookie preferences through your browser settings, though some features might not work properly if you disable them.
2. How We Use Your Information
We use the information we collect for specific purposes related to providing and improving our educational services:
Primary Uses: Delivering course content, tracking your progress, processing payments, and communicating about your enrollment and learning journey.
- Service Delivery: Providing access to course materials, tracking completion rates, issuing certificates, and managing your account
- Communication: Sending course updates, responding to inquiries, sharing relevant educational resources, and providing technical support
- Improvement: Analyzing how people use our platform to make it better, developing new courses based on user interests, and fixing technical issues
- Legal Compliance: Meeting our obligations under Australian law, maintaining records as required, and protecting against fraud or misuse
- Marketing: Informing you about new courses or features that might interest you (you can opt out anytime)
We won't use your personal information for purposes that aren't related to our educational services unless we get your explicit consent first.
3. Information Sharing and Disclosure
We don't sell your personal data. Period. But we do share information with specific third parties who help us run our services:
Service Providers
Companies that help us with payment processing, email delivery, website hosting, and analytics. These providers can only use your data to perform services for us — they can't use it for their own purposes.
Legal Requirements
Sometimes we're legally required to share information — like responding to court orders, complying with regulatory investigations, or protecting someone's safety. We'll only share what's legally necessary in these situations.
| Third Party Category | Purpose | Data Shared |
|---|---|---|
| Payment Processors | Processing course payments | Billing information, transaction details |
| Cloud Hosting Services | Storing course content and data | Account information, learning progress |
| Email Service Providers | Sending course updates and communications | Email address, name, enrollment status |
| Analytics Platforms | Understanding website usage patterns | Technical data, browsing behavior |
All our third-party partners are required to maintain appropriate security measures and comply with Australian privacy standards.
4. Your Privacy Rights Under Australian Law
You have specific rights regarding your personal information. Here's what you can do and how to do it:
Access Your Information
You can request a copy of the personal data we hold about you. We'll provide this within 30 days in a readable format. There's usually no charge, though we might ask for a reasonable fee if your request is complex or repetitive.
Correct Inaccurate Data
If information we have about you is wrong or outdated, you can ask us to fix it. You can update most details directly through your account settings, or contact us for help with anything you can't change yourself.
Delete Your Data
You can request deletion of your personal information, subject to certain exceptions (like if we need it for legal compliance or completing a course you're enrolled in). We'll delete what we can and explain if there's anything we need to keep.
Object to Processing
You can ask us to stop using your data for marketing or other purposes not essential to providing your courses. We'll honor these requests unless we have a compelling legal reason to continue.
Data Portability
You can request your data in a format that's easy to transfer to another service provider. We'll provide this in a commonly used, machine-readable format.
Withdraw Consent
If we're processing your data based on consent, you can withdraw that consent anytime. This won't affect any processing we did before you withdrew consent.
To exercise any of these rights, email us at contact@mevatoriaxo.com or write to 545 Smollett St, Albury NSW 2640, Australia. We'll respond within 30 days and verify your identity before processing requests.
5. Data Security and Protection
We take protecting your information seriously and use multiple layers of security:
- Encryption: All data transmitted between your device and our servers uses TLS encryption. Sensitive data at rest is also encrypted.
- Access Controls: Only authorized staff can access personal data, and only when necessary for their job functions. All access is logged and monitored.
- Regular Audits: We conduct security assessments and vulnerability testing regularly to identify and fix potential issues.
- Staff Training: Everyone who works with personal data receives training on privacy practices and security protocols.
- Incident Response: We have procedures in place to detect, respond to, and report any data breaches as required by law.
While we implement strong security measures, no system is completely invulnerable. We can't guarantee absolute security, but we continuously work to minimize risks.
6. Data Retention
We keep your information only as long as necessary for the purposes we collected it. Here's our general approach:
Active Accounts
While you're actively using our services, we retain your account information and learning progress so you can access your courses and track your development.
Inactive Accounts
If you haven't logged in for 3 years, we'll send you a reminder email. After 4 years of inactivity, we may delete your account data, though we'll keep certain records for legal compliance (like transaction history for tax purposes).
Legal Requirements
Some information must be kept for specific periods under Australian law — like financial records for 7 years. We'll retain this data even after you close your account, but we'll restrict access to it.
| Data Type | Retention Period | Reason |
|---|---|---|
| Account Information | Duration of account + 1 year | Service provision, user support |
| Payment Records | 7 years | Tax compliance, financial auditing |
| Course Progress Data | Duration of account + 2 years | Certificate verification, record-keeping |
| Support Communications | 3 years | Quality assurance, dispute resolution |
| Marketing Consent Records | Duration of consent + 3 years | Compliance documentation |
7. Cookies and Tracking Technologies
Our website uses cookies — small text files stored on your device — to improve functionality and understand how people use our site.
Types of Cookies We Use
Essential Cookies: Required for the website to function properly. These handle things like keeping you logged in and remembering your language preference. You can't disable these if you want to use our services.
Performance Cookies: Help us understand how visitors interact with our website by collecting anonymous information. We use this to improve site performance and identify problems.
Functionality Cookies: Remember your preferences and choices to provide enhanced features. These might remember your course preferences or interface settings.
Marketing Cookies: Track your activity across websites to show you relevant content and measure campaign effectiveness. You can opt out of these through your browser settings or our cookie preference center.
Managing Cookie Preferences
Most browsers let you control cookies through their settings. You can usually set your browser to refuse cookies or alert you when cookies are being sent. Keep in mind that disabling certain cookies might limit website functionality.
8. International Data Transfers
Our primary servers are located in Australia, but some of our service providers operate internationally. When we transfer data outside Australia, we ensure appropriate safeguards are in place:
- We only work with providers in countries with adequate data protection laws or who have committed to privacy frameworks recognized under Australian law
- We use standard contractual clauses approved by privacy regulators to protect data during transfers
- We conduct due diligence on all international service providers to verify their security practices
If you have concerns about international data transfers, contact us to discuss the specific protections in place for your information.
9. Children's Privacy
Our services are designed for adults interested in budgeting and financial education. We don't knowingly collect information from anyone under 18 without parental consent.
If you're under 18 and want to use our services, please have a parent or guardian contact us first. If we discover we've accidentally collected information from someone under 18 without proper consent, we'll delete it promptly.
Parents or guardians can request access to, correction of, or deletion of their child's information by contacting us at contact@mevatoriaxo.com.
10. Changes to This Privacy Policy
We update this policy occasionally to reflect changes in our practices, technology, legal requirements, or other factors. When we make significant changes, we'll notify you through:
- Email notification to your registered address
- A prominent notice on our website
- An in-platform notification when you next log in
The "Last Updated" date at the top shows when we last revised this policy. We encourage you to review it periodically, especially before providing any new personal information.
Continued use of our services after changes take effect means you accept the updated policy. If you don't agree with changes, you can close your account before they take effect.
11. Complaints and Disputes
If you're unhappy with how we've handled your personal information, please let us know. We take complaints seriously and want to resolve them quickly.
Internal Complaint Process
Email your complaint to contact@mevatoriaxo.com with "Privacy Complaint" in the subject line. Include details about what happened and what you'd like us to do. We'll acknowledge your complaint within 3 business days and aim to resolve it within 30 days.
External Resolution
If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC):
Office of the Australian Information Commissioner
Website: www.oaic.gov.au
Phone: 1300 363 992
Email: enquiries@oaic.gov.au
The OAIC can investigate complaints and has powers to resolve privacy disputes under Australian law.
Contact Our Privacy Team
Questions about this policy or how we handle your information?
Email: contact@mevatoriaxo.com
Phone: +61 3 9606 1818
Mail: 545 Smollett St, Albury NSW 2640, Australia
We typically respond to privacy inquiries within 2 business days.