Privacy Policy

Introduction and Our Commitment

marivonquelyst recognises the importance of protecting your personal information and is committed to managing it in accordance with the Australian Privacy Principles outlined in the Privacy Act 1988 (Cth). This privacy policy explains how we collect, use, store, and protect your personal information when you interact with our financial stability analysis platform.

We understand that trust is fundamental when dealing with financial information. This policy describes our practices transparently so you can make informed decisions about sharing your information with us.

Information We Collect

We collect various types of information to provide and improve our financial analysis services. The information we collect falls into several categories:

How We Use Your Information

Your personal information serves specific purposes related to providing our financial stability analysis services:

• Conducting personalised financial stability assessments and generating analysis reports
• Providing customer support and responding to your inquiries
• Improving our platform functionality and user experience based on usage patterns
• Sending service updates, security notifications, and important account information
• Complying with legal obligations and regulatory requirements in the financial services sector
• Detecting and preventing fraudulent activities or security breaches
• Conducting research and analytics to enhance our service offerings

Data Storage and Security Measures

Protecting your information is our highest priority. We implement multiple layers of security to safeguard your personal and financial data:

• Advanced encryption protocols (TLS 1.3) for all data transmission and storage
• Secure Australian data centres with 24/7 monitoring and physical access controls
• Regular security audits and penetration testing by independent security firms
• Multi-factor authentication requirements for all staff accessing client data
• Automated backup systems with encrypted off-site storage for data recovery
• Strict access controls ensuring only authorised personnel can access your information

Our data storage practices comply with Australian data protection standards. We retain your information only as long as necessary to provide our services or as required by law.

Data Sharing and Third-Party Services

We maintain strict controls over who can access your information. We may share your personal information only in specific circumstances:

• With trusted service providers who assist in operating our platform (cloud hosting, payment processing)
• When required by Australian law, court orders, or regulatory authorities
• With your explicit consent for specific purposes you have approved
• In anonymised and aggregated form for research and industry reporting
• During business transfers, mergers, or acquisitions (with notification to affected users)

All third-party service providers are carefully vetted and bound by confidentiality agreements. They are only permitted to use your information for the specific services they provide to us.

Your Privacy Rights

Under Australian privacy law, you have several important rights regarding your personal information:

To exercise these rights, contact our Privacy Officer using the details provided below. We will respond to your request within 30 days and may need to verify your identity before processing certain requests.

Cookies and Website Analytics

Our website uses cookies and similar technologies to enhance your experience and understand how our platform is used. We use different types of cookies:

• Essential cookies: Required for basic website functionality and security
• Performance cookies: Help us understand website usage and identify areas for improvement
• Functional cookies: Remember your preferences and personalise your experience

You can control cookie settings through your browser preferences. However, disabling certain cookies may affect website functionality. We also use Google Analytics to understand user behaviour, but all data is anonymised and aggregated.

Data Retention and Deletion

We retain your personal information for different periods depending on the type of data and legal requirements:

• Account information: Retained while your account is active and for 7 years after closure
• Financial analysis data: Stored for the duration of service provision plus 5 years
• Communication records: Kept for 3 years for quality assurance and support purposes
• Website analytics data: Retained for 24 months in aggregated form

When information is no longer required, we securely delete it using industry-standard data destruction methods. You can request early deletion of your information, subject to any legal or regulatory retention requirements.

International Data Transfers

While we primarily store data within Australia, some services we use may involve limited international data transfers. When this occurs:

• We ensure adequate data protection measures are in place
• Transfers only occur to countries with adequate privacy protections
• Contractual safeguards require the same level of protection as Australian law
• You will be notified if significant changes to data location occur

Updates to This Policy

We review and update this privacy policy regularly to reflect changes in our practices, technology, or legal requirements. When we make significant changes, we will:

• Notify existing users via email at least 30 days before changes take effect
• Post the updated policy on our website with a clear effective date
• Provide a summary of key changes for your convenience
• Obtain additional consent where required by law

Continued use of our services after policy updates indicates acceptance of the revised terms.