Privacy Policy

Information We Collect

The types of information we gather depend on how you engage with our services. We collect data directly from you and sometimes through your use of our platform.

Personal Information

When you register for morenthysa's budgeting tools or contact us for support, we typically collect:

• Full name and contact details (email address, phone number)
• Business name and ABN (if applicable)
• Postal address (William Stimson Primary School, Lily Street, Wetherill Park NSW 2164, Australia)
• Payment information (processed through secure third-party payment gateways)
• Account credentials and authentication details

Financial and Budgeting Data

To provide activity-based budgeting services, we need to process:

• Budget information, financial goals, and spending patterns
• Activity categories and cost allocations
• Historical financial data you choose to upload
• Transaction records and budgeting preferences

Technical Information

Like most online services, we automatically collect certain technical data:

• IP addresses and device identifiers
• Browser type, operating system, and device information
• Pages visited, time spent on pages, and navigation patterns
• Referral sources and search terms used to find us
• Cookie data (more details in our Cookie Policy)

How We Use Your Information

We're pretty straightforward about what we do with your data. Everything we collect serves specific purposes related to providing and improving our budgeting services.

Data Sharing and Disclosure

We don't sell your personal information to third parties. That said, running a modern financial service means working with certain trusted partners.

Service Providers

We engage third-party companies to support our operations:

• Payment processors: Secure handling of financial transactions and billing
• Cloud hosting providers: Australian-based servers storing your data
• Email service providers: Delivery of account notifications and correspondence
• Analytics tools: Understanding how users interact with our platform

These providers are contractually obligated to protect your information and use it only for specified purposes.

Legal Requirements

We may disclose information when legally required to do so, such as:

• Responding to court orders, subpoenas, or regulatory requests
• Investigating suspected fraud or security breaches
• Protecting the rights and safety of morenthysa, our users, or others
• Complying with Australian taxation and financial reporting obligations

Business Transfers

If morenthysa undergoes a merger, acquisition, or sale of assets, your information may be transferred to the new entity, subject to the same privacy protections outlined here.

Data Security Measures

Protecting financial information is something we take seriously. We've put several layers of security in place.

No system is completely foolproof, though. While we work hard to protect your data, we can't guarantee absolute security against all possible threats.

Data Retention and Deletion

We keep your information only as long as necessary for the purposes described in this policy.

After these periods, we securely delete or anonymize your information unless longer retention is required by Australian law or regulatory obligations.

Your Privacy Rights

Australian privacy law gives you several rights regarding your personal information. Here's what you can do.

Access and Correction

You can request a copy of the personal information we hold about you. If you spot any inaccuracies, you have the right to request corrections. We'll process these requests within 30 days and won't charge unreasonable fees for access.

Data Portability

You can request your budgeting data in a structured, commonly used format that you can transfer to another service. This helps you maintain control over your financial information.

Deletion Requests

You can ask us to delete your personal information, subject to certain exceptions (like records we're legally required to keep for tax purposes). We'll honor deletion requests within 30 days where legally permissible.

Marketing Opt-Out

You can unsubscribe from marketing communications at any time using the link in our emails or by contacting us directly. Service-related notifications may still be necessary even if you opt out of marketing.

Complaint Process

If you're concerned about how we've handled your information, contact our Privacy Officer at contact@morenthysa.com. We'll investigate and respond within 30 days. If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC).

International Data Transfers

We primarily store data on Australian servers, but some service providers may process information overseas. When this happens, we ensure:

• The recipient country has substantially similar privacy protections to Australia
• Contractual arrangements include data protection requirements meeting Australian standards
• You're informed about which countries may receive your data

Currently, limited data may be processed in the United States by our email service provider and cloud infrastructure backup systems, both of which maintain ISO 27001 certification and comply with international data protection frameworks.

Children's Privacy

morenthysa's services are designed for adults managing business or personal finances. We don't knowingly collect information from individuals under 18 years of age. If you believe we've inadvertently collected data from a minor, please contact us immediately so we can delete it.

Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience and understand how you use our platform.

Types of Cookies We Use

• Essential cookies: Required for login functionality and security features
• Functional cookies: Remember your preferences and settings
• Analytics cookies: Help us understand usage patterns and improve the platform
• Performance cookies: Monitor system performance and identify technical issues

You can control cookie preferences through your browser settings, though disabling certain cookies may limit platform functionality.

Changes to This Privacy Policy

We update this policy periodically to reflect changes in our practices, legal requirements, or service offerings. When we make material changes, we'll notify you via email or through a prominent notice on our platform at least 30 days before the changes take effect.

The "Effective Date" at the top of this policy indicates when it was last updated. Continued use of our services after changes take effect constitutes acceptance of the updated policy.

Third-Party Links

Our platform may contain links to external websites or services not operated by morenthysa. We're not responsible for the privacy practices of these third parties. We encourage you to review their privacy policies before providing any personal information.