Privacy Policy

Introduction and Scope

At marquoliven, we understand that financial security begins with trust. This privacy policy explains how we collect, use, protect, and share your personal information when you engage with our financial education services and resources. We're committed to transparency about our data practices because your privacy matters as much as your financial wellbeing.

This policy applies to all interactions with marquoliven's services, including our website at marquoliven.com, educational programs, business consulting services, and any communications you have with our team. When we say "personal information," we mean any data that can identify you as an individual or relate to an identifiable person.

Information We Collect

We collect information in several ways to provide you with relevant financial education and security guidance. Here's what we gather and why it's necessary for your learning experience:

How We Use Your Information

Your personal information serves specific purposes that directly benefit your educational experience and financial security journey. We don't use your data for purposes unrelated to our core mission of financial education.

• Delivering personalized educational content that matches your current knowledge level and learning objectives
• Communicating important updates about our programs, new resources, and changes to our services
• Providing technical support and responding to your questions or concerns promptly
• Improving our educational materials based on student feedback and learning outcomes
• Maintaining accurate records of your educational progress and achievements
• Ensuring the security and integrity of our online learning platforms
• Complying with Australian privacy laws and educational standards

We analyze aggregated data to understand learning trends and improve our curriculum, but this analysis never identifies individual students or compromises your privacy.

Information Sharing and Disclosure

We believe your personal information belongs to you. We don't sell, rent, or trade your data to third parties for their marketing purposes. However, there are specific circumstances where we may share your information:

Your Privacy Rights Under Australian Law

As an Australian business, we comply with the Privacy Act 1988 and the Australian Privacy Principles. You have significant control over your personal information, and we make it straightforward to exercise these rights:

• Access: You can request a copy of all personal information we hold about you. We'll provide this within 30 days at no charge for the first request each year.
• Correction: If you believe any information we have is inaccurate or outdated, you can request corrections. We'll update our records promptly once we verify the changes.
• Deletion: You can request deletion of your personal information, subject to our legal obligations to maintain certain educational records.
• Portability: You can request your data in a structured, commonly used format to transfer to another service provider.
• Restriction: You can ask us to limit how we process your information for specific purposes while maintaining your account.
• Objection: You can object to certain uses of your information, particularly for marketing communications.

Data Security and Protection Measures

Protecting your personal information is fundamental to our approach to financial education. We implement multiple layers of security to safeguard your data from unauthorized access, disclosure, or misuse.

Our security measures include encrypted data transmission using industry-standard SSL certificates, secure server environments with regular security updates, restricted access controls ensuring only authorized personnel can access your information, and regular security audits and vulnerability assessments.

We also maintain secure backup systems to protect against data loss, implement strong password requirements and multi-factor authentication for our staff, and provide regular security training to all team members who handle personal information.

Data Retention and Deletion

We retain your personal information only as long as necessary to fulfill the purposes outlined in this policy and to meet our legal obligations as an educational provider in Australia.

Generally, we keep your contact information and educational records for seven years after your last interaction with our services. This retention period aligns with Australian business record requirements and allows us to provide ongoing support for your financial education journey.

Technical data like website usage logs are typically deleted after two years. Marketing communications records are removed within three years unless you've specifically consented to longer retention for alumni communications.

When we delete your information, we ensure it's removed from our active systems and backup archives. Some information may persist in system logs for security purposes, but this data is encrypted and inaccessible for normal business operations.

Cookies and Online Tracking

Our website uses cookies and similar technologies to enhance your learning experience and understand how our educational resources are being used. We believe in transparency about these technologies.

Essential cookies enable core website functionality like secure login sessions and remembering your preferences. These cookies are necessary for our services to work properly and cannot be disabled.

Analytics cookies help us understand which educational content is most valuable to our students and how we can improve our website's usability. This information is aggregated and doesn't identify individual users.

You can control cookie settings through your browser preferences. However, disabling certain cookies may limit your ability to use some features of our educational platform.

International Data Transfers

While marquoliven operates primarily within Australia, some of our technology service providers may store or process data in other countries. When this occurs, we ensure appropriate safeguards are in place to protect your information.

Any international transfers comply with Australian Privacy Principles and include contractual protections requiring overseas recipients to handle your data with the same level of protection required under Australian law.

Changes to This Privacy Policy

We review and update this privacy policy regularly to ensure it reflects our current practices and remains compliant with applicable laws. Any significant changes will be communicated to you via email or through prominent notices on our website.

Minor updates that don't materially affect your rights may be posted directly to our website with an updated effective date. We encourage you to review this policy periodically to stay informed about how we protect your information.