Privacy Policy
Your privacy matters to us. Here's how we protect your information and respect your rights.
Last Updated: March 2025At morenthyva, we take your privacy seriously. This policy explains what information we collect, why we collect it, and how we handle it. We're based in Australia and comply with the Privacy Act 1988, including the Australian Privacy Principles.
We know privacy policies can be overwhelming. We've tried to make ours as straightforward as possible. If something's unclear or you have questions, reach out to us directly.
Information We Collect
When you use our budgeting tools and services, we collect certain information to provide you with a better experience. The type of information depends on how you interact with us.
Personal Information You Provide
This includes details you give us directly when creating an account or using our services:
- Name, email address, and phone number
- Financial information like income ranges and spending categories
- Budget preferences and financial goals
- Payment information when you subscribe to premium features
- Communication preferences and feedback you share with us
Information We Collect Automatically
When you visit our website or use our app, we automatically gather technical information:
- Device type, operating system, and browser details
- IP address and general location data
- How you navigate through our platform
- Features you use and time spent on different sections
- Error logs and performance data
How We Use Your Information
We're not in the business of selling your data. Everything we collect serves a practical purpose for making our service work better for you.
| Purpose | Details |
|---|---|
| Service Delivery | Running your budget analysis, storing your preferences, and providing personalized recommendations |
| Account Management | Creating and maintaining your account, processing payments, and handling support requests |
| Communication | Sending service updates, responding to inquiries, and sharing relevant financial tips |
| Improvement | Understanding how people use our platform to fix bugs and develop new features |
| Security | Protecting against fraud, unauthorized access, and technical issues |
Data Storage and Security
Your financial information is sensitive, and we treat it that way. We store data on secure servers located in Australia, with backups maintained according to industry standards.
Our Security Measures
We use encryption for data transmission and storage. Access to personal information is restricted to employees who need it to do their jobs. We regularly review our security practices and update them as needed.
That said, no system is completely foolproof. While we do our best to protect your data, we can't guarantee absolute security. You play a role too by keeping your password secure and logging out of shared devices.
Data Retention
We keep your information for as long as you have an active account. After you close your account, we retain certain data for up to seven years to comply with Australian tax and financial regulations. Some anonymized data may be kept longer for research and improvement purposes.
Sharing Your Information
We don't sell your personal information to third parties. Period. But we do share data in specific situations:
- With payment processors to handle transactions securely
- With cloud hosting providers who store our data
- With analytics tools that help us understand how our platform performs
- When required by Australian law or legal processes
- If we merge with or are acquired by another company (you'd be notified)
All third parties we work with are contractually required to protect your information and use it only for the specific services they provide to us.
Your Privacy Rights
Under Australian privacy law, you have several rights regarding your personal information. Here's what you can do and how to exercise these rights:
Access Your Data
Request a copy of the personal information we hold about you. We'll provide it within 30 days in a commonly used format.
Correct Information
Ask us to update incorrect or incomplete information. You can also make many changes directly through your account settings.
Delete Your Data
Request deletion of your account and associated information, subject to legal retention requirements.
Restrict Processing
Limit how we use your information in certain circumstances while maintaining your account.
Data Portability
Receive your data in a structured format to transfer to another service if you choose.
Withdraw Consent
Opt out of marketing communications or revoke permissions you've previously granted.
To exercise any of these rights, contact us using the details at the bottom of this page. We'll respond within a reasonable timeframe, typically within 30 days.
Cookies and Tracking
Like most websites, we use cookies and similar technologies. These are small files stored on your device that help us remember your preferences and understand how you use our service.
Types of Cookies We Use
- Essential cookies that make the website function properly
- Preference cookies that remember your settings and choices
- Analytics cookies that show us which features people use most
- Performance cookies that help us identify and fix technical issues
You can control cookies through your browser settings. Keep in mind that blocking certain cookies might affect how our platform works for you.
Children's Privacy
Our services aren't designed for anyone under 18. We don't knowingly collect information from children. If you're a parent and believe your child has provided us with personal information, contact us and we'll delete it promptly.
International Data Transfers
Your data is primarily stored and processed in Australia. If we need to transfer information overseas (for example, to access certain cloud services), we ensure appropriate safeguards are in place to protect your information according to Australian privacy standards.
Changes to This Policy
We update this policy occasionally to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you via email or through a notice on our platform. The "Last Updated" date at the top shows when the most recent changes were made.
Continuing to use our service after changes take effect means you accept the updated policy.
Making a Complaint
If you're concerned about how we've handled your personal information, please contact us first so we can try to resolve the issue. If you're not satisfied with our response, you have the right to lodge a complaint with the Office of the Australian Information Commissioner.
OAIC Contact Information
Office of the Australian Information Commissioner
GPO Box 5218, Sydney NSW 2001
Phone: 1300 363 992
Website: www.oaic.gov.au
Questions About Privacy?
We're here to help. If anything in this policy is unclear or you have specific questions about how we handle your information, get in touch with us.