Privacy Policy

Information We Collect

When you visit ethramoriva.sbs or use our financial awareness platform, we collect several types of information to provide you with the best possible experience. This includes personal information you voluntarily provide when creating an account, subscribing to our newsletter, or contacting our support team.

We also automatically collect certain information through cookies and similar technologies. This helps us understand how you navigate our platform and which features are most valuable to our users. In my experience working with financial platforms, this data proves essential for creating educational content that truly resonates with learners at different stages of their journey.

How We Use Your Information

Your information serves multiple purposes within our educational ecosystem. We use it to personalise your learning experience, recommend relevant content, and track your progress through our financial awareness programs. This data also helps us improve our platform's functionality and develop new features that address real user needs.

Communication represents another key use of your data. We'll send you updates about new courses, platform improvements, and relevant financial insights. However, you maintain complete control over these communications and can opt out at any time through your account settings.

Sometimes we use aggregated, anonymised data for research purposes. This might involve studying learning patterns across different demographic groups to better understand how financial education can be made more accessible and effective for diverse audiences.

Information Sharing and Disclosure

ethramoriva operates on a principle of data minimisation when it comes to sharing your information. We don't sell your personal data to third parties, and we only share information when it's necessary for platform operation or legally required.

Our service providers - including hosting companies, email platforms, and analytics tools - may have access to your data, but only to the extent necessary for performing their specific functions. These providers are contractually bound to protect your information and cannot use it for their own purposes.

Your Rights Under Australian Law

The Australian Privacy Act 1988 grants you specific rights regarding your personal information. Understanding these rights empowers you to maintain control over your data and make informed decisions about your privacy.

To exercise these rights, contact our privacy team using the details below. We respond to all requests within 30 days and provide clear explanations of any actions taken or reasons why requests cannot be fulfilled.

Data Security and Protection

Protecting your information requires multiple layers of security working together. We employ industry-standard encryption for data transmission and storage, ensuring your information remains secure whether it's moving between systems or stored in our databases.

Our security measures include regular vulnerability assessments, staff training on data protection protocols, and restricted access controls. Only authorised personnel can access personal information, and all access is logged and monitored.

Despite our comprehensive security measures, no system is completely invulnerable. If a data breach occurs, we'll notify affected users and relevant authorities within the timeframes required by Australian privacy law. Our incident response plan ensures quick containment and transparent communication throughout any security event.

Data Retention and Deletion

We retain your information only as long as necessary to provide our services and comply with legal obligations. Different types of information have different retention periods based on their purpose and legal requirements.

Account information and learning progress are typically retained for the duration of your active relationship with ethramoriva, plus an additional three years to comply with Australian financial services regulations. Communication records are kept for seven years, while technical logs are usually deleted after two years.

International Data Transfers

While ethramoriva primarily operates within Australia, some of our service providers may store or process data internationally. When this occurs, we ensure adequate protections are in place through contractual agreements and compliance with Australian privacy principles.

Any international transfers comply with the Notifiable Data Breaches scheme and maintain the same level of protection you'd expect for data held within Australia. We regularly review our service providers to ensure ongoing compliance with evolving international privacy standards.

Cookies and Tracking Technologies

Our platform uses cookies and similar technologies to enhance your experience and gather analytics about platform usage. These small files help us remember your preferences, maintain your login status, and understand which features are most valuable to our community.

You can control cookie settings through your browser preferences, though disabling certain cookies may impact platform functionality. We use both session cookies (which expire when you close your browser) and persistent cookies (which remain until you delete them or they expire automatically).

Children's Privacy

ethramoriva's financial awareness platform is designed for adults and we don't knowingly collect personal information from children under 13. If we discover that we've inadvertently collected such information, we'll delete it promptly and notify the child's guardian if possible.

For users between 13 and 18, we require parental consent before collecting any personal information. This ensures young people can benefit from financial education while maintaining appropriate privacy protections during their formative years.

Policy Updates and Changes

This privacy policy may be updated periodically to reflect changes in our practices, legal requirements, or platform features. We'll notify users of significant changes through email and prominent notices on our platform at least 30 days before new policies take effect.

Minor updates, such as clarifications or formatting improvements, may be made without prior notice. However, we'll always maintain a version history so you can review what's changed and when those changes occurred.