Privacy Policy

Who We Are

miralithova operates from Shop 333 Pacific Fair Shopping Centre 2, 30 Hooker Blvd, Broadbeach QLD 4218, Australia. We provide budgeting education and financial literacy resources to help Australians better manage their money. When you interact with our services, we become responsible for protecting your personal information under the Privacy Act 1988 (Cth) and the Australian Privacy Principles.

Information We Collect

We gather different types of information depending on how you engage with us. Some you provide directly, some we collect automatically, and some comes from how you use our website and services.

Information You Give Us

When you contact us, register for resources, or sign up for educational materials, you might provide:

• Your name and email address
• Phone number (if you choose to share it)
• General location information
• Questions or feedback you send our way
• Financial education interests and learning preferences

Information We Collect Automatically

When you visit our website, we automatically collect technical information like:

• IP address and general location data
• Browser type and device information
• Pages you visit and how long you stay
• Referring websites and search terms used
• Date and time of your visits

We use standard web technologies including cookies and similar tracking tools. You can adjust your browser settings to refuse cookies, though this might affect how well our site works for you.

How We Use Your Information

We're not in the business of collecting data for its own sake. Everything we gather serves a specific purpose related to providing you with better financial education resources.

Sharing Your Information

We don't sell your personal information. Period. But we do work with certain service providers who help us run our operations. Here's who might see your data and why:

Service Providers

We work with companies that help with email delivery, website hosting, analytics, and payment processing. These providers only access information necessary to perform their specific tasks and are required to protect your data.

Legal Requirements

Sometimes Australian law requires us to share information — for instance, if we receive a valid court order or subpoena. We'll only share what's legally necessary and will notify you if permitted to do so.

Business Transfers

If miralithova is acquired or merges with another organization, your information would likely be part of that transfer. We'd ensure any new owner continues protecting your data according to this policy.

Your Rights and Choices

Australian privacy law gives you significant control over your personal information. Here's what you can do:

Access Your Information

You can request a copy of the personal information we hold about you. We'll provide this within 30 days, though we might need to verify your identity first. There's no charge for reasonable requests.

Correct Your Information

If something we have on file is wrong or outdated, let us know and we'll fix it promptly. Accurate records benefit both of us.

Delete Your Information

You can ask us to delete your personal information. We'll do so unless we need to keep it for legal reasons — like financial records we're required to maintain for tax purposes.

Opt Out of Communications

Every email we send includes an unsubscribe link. Click it and you're off our mailing list. This won't affect transactional emails related to services you've specifically requested.

Lodge a Complaint

If you believe we've mishandled your information, please contact us first so we can make it right. If you're not satisfied with our response, you can file a complaint with the Office of the Australian Information Commissioner (OAIC).

Data Security

We take reasonable steps to protect your information from unauthorized access, loss, or misuse. This includes:

• Encryption of sensitive data during transmission
• Secure servers with regular security updates
• Limited employee access based on job requirements
• Regular security assessments and monitoring
• Secure disposal of information we no longer need

That said, no internet transmission is completely secure. While we do our best to protect your information, we can't guarantee absolute security. Use strong passwords and keep your login details private.

How Long We Keep Information

We don't keep information longer than necessary. Different types of data have different retention periods:

• Contact information: Until you ask us to delete it or you've been inactive for three years
• Website analytics: Aggregated data kept indefinitely; individual data deleted after 26 months
• Communication records: Typically kept for two years after the last interaction
• Financial records: Seven years as required by Australian tax law

When we delete information, we do so securely to prevent recovery or reconstruction.

Children's Privacy

Our services aren't directed at children under 18. We don't knowingly collect information from minors. 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 information is primarily stored on servers located in Australia. Some of our service providers operate overseas, which means your data might be processed outside Australia. When this happens, we ensure these providers meet Australian privacy standards through contractual agreements.

Changes to This Policy

We review and update this 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 website. The "Last Updated" date at the top shows when the current version took effect.

Continued use of our services after changes become effective means you accept the updated policy.