Information We Collect

When you use our services, we collect different types of information to help you achieve your financial goals and improve our platform. Here's what we gather and why it matters.

Personal Information You Provide

This includes information you give us directly when setting up your account or using our services:

• Your name, email address, and phone number
• Financial goal details and savings targets
• Payment information when you subscribe to premium features
• Communication preferences and account settings
• Any information you provide when contacting our support team

Automatically Collected Information

Our systems collect certain data automatically as you interact with our platform:

• Device information (type, operating system, browser)
• IP address and general location data
• Usage patterns and feature interactions
• Session duration and page navigation
• Technical logs for security and troubleshooting

How We Use Your Information

We're not in the business of selling your data. Everything we collect serves a specific purpose related to improving your experience and keeping our services running smoothly.

Your Rights Under Australian Privacy Law

The Privacy Act 1988 and Australian Privacy Principles give you specific rights over your personal information. We're committed to honouring these rights and making them easy to exercise.

How to Exercise Your Rights

Send us an email at help@marquionex.com with your request. We'll verify your identity and respond within the timeframes required by law. There's no charge for most requests, though we may charge a reasonable fee for excessive or repetitive requests.

Data Storage and Security

Your information is stored on secure servers located in Australia. We use industry-standard encryption and security measures, but it's worth being realistic about this.

Our Security Measures

• 256-bit SSL encryption for all data transmission
• Encrypted databases with restricted access controls
• Regular security audits and vulnerability testing
• Multi-factor authentication for staff accessing systems
• Automated backup systems with disaster recovery protocols

No system is completely invulnerable. We work hard to protect your data, but if a breach occurs, we'll notify you and the relevant authorities as required by the Notifiable Data Breaches scheme under Australian law.

Sharing Your Information

We don't sell your data to third parties. Period. However, we do share information in specific circumstances:

Service Providers

We work with trusted companies that help us operate our platform—things like payment processing, email delivery, and cloud hosting. These providers can only use your data for the specific tasks we've assigned them, and they're bound by strict confidentiality agreements.

Legal Requirements

Sometimes we're legally required to disclose information—such as complying with a court order, responding to law enforcement requests with proper authority, or protecting our legal rights. We'll always verify the legitimacy of such requests before sharing anything.

Business Transfers

If marquionex is acquired or merges with another company, your information would be transferred as part of that transaction. We'd notify you beforehand and ensure the new entity honours this privacy policy.

Data Retention

We keep your information only as long as necessary for the purposes outlined in this policy or as required by law.

1. Active Accounts: We retain your data for as long as your account remains active and you continue using our services.
2. After Deletion: When you delete your account, we'll remove your personal information within 90 days. Some data may be retained in backup systems for up to 12 months for security purposes.
3. Legal Requirements: Financial records and transaction data may be retained for seven years to comply with Australian tax and business record-keeping obligations.
4. Anonymised Data: We may retain anonymised usage statistics indefinitely for research and improvement purposes. This data cannot be linked back to you.

Cookies and Tracking

Our website uses cookies to remember your preferences and analyse how people use our platform. You can control cookie settings through your browser, though disabling certain cookies may affect functionality.

Types of Cookies We Use

• Essential Cookies: Required for basic site functionality and security. These can't be disabled.
• Preference Cookies: Remember your settings and choices to personalise your experience.
• Analytics Cookies: Help us understand how visitors interact with our site so we can improve it.
• Marketing Cookies: Track your visit across websites to show relevant content. You can opt out of these.

We don't use third-party advertising networks that track you across different websites. Our analytics are used solely to improve our own service.

Children's Privacy

Our services are designed for adults managing their financial goals. We don't knowingly collect information from anyone under 18 years old. If we discover that we've inadvertently collected such data, we'll delete it immediately.

If you're a parent or guardian and believe your child has provided us with personal information, contact us at help@marquionex.com so we can take appropriate action.

Changes to This Policy

We review and update this privacy policy periodically to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you by email or through a prominent notice on our platform.

The "Last Updated" date at the top shows when the most recent changes were made. Continuing to use our services after an update means you accept the revised policy.

Complaints and Disputes

If you have concerns about how we've handled your personal information, we want to hear about it. Start by contacting us directly—most issues can be resolved through conversation.

Our Complaint Process

1. Send a detailed description of your concern to help@marquionex.com
2. We'll acknowledge your complaint within 3 business days
3. We'll investigate and provide a response within 30 days
4. If you're not satisfied with our response, you can escalate to the Office of the Australian Information Commissioner (OAIC)

The OAIC is the independent authority that oversees privacy compliance in Australia. You can contact them at www.oaic.gov.au or by calling 1300 363 992.