Privacy Policy

Your privacy matters to us. Learn how we protect and handle your personal information.

Effective Date: January 1, 2025 | Last Updated: January 15, 2025

Introduction and Overview

murvolahub ("we," "us," or "our") operates murvolahub.com and provides personal finance education services to individuals across Australia. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.

We understand that your privacy is important to you. That's why we've developed this comprehensive policy to be transparent about our data practices and to help you understand your rights regarding your personal information.

Important Notice

By using our website or services, you consent to the data practices described in this policy. If you do not agree with this policy, please do not use our services.

Information We Collect

Personal Information

We collect information that you provide directly to us, including:

Name, email address, and phone number when you contact us or register for our services
Postal address for service delivery and communication purposes
Payment information when you purchase our learning programs
Demographic information such as age range and financial goals
Educational background and experience level with personal finance
Communication preferences and feedback about our services

Usage Data

We automatically collect certain information about your device and how you interact with our website:

IP address, browser type, and operating system
Pages visited, time spent on pages, and click patterns
Referral sources and search terms used to find our website
Device information including screen resolution and language settings
Log files containing technical information about your visits

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our website. These technologies help us understand user behavior, remember your preferences, and provide personalized content.

Cookie Type	Purpose	Duration
Essential Cookies	Required for basic website functionality	Session
Analytics Cookies	Help us understand website usage patterns	2 years
Preference Cookies	Remember your settings and preferences	1 year
Marketing Cookies	Deliver relevant advertisements	6 months

How We Use Your Information

We use the information we collect for various purposes, including:

Service Delivery

Providing our personal finance education programs and resources
Processing payments and managing your account
Sending course materials and educational content
Customizing your learning experience based on your goals

Communication

Responding to your inquiries and providing customer support
Sending important updates about our services
Delivering newsletters and educational content you've requested
Notifying you about new programs and features

Improvement and Analytics

Analyzing website usage to improve user experience
Conducting research to enhance our educational programs
Testing new features and content
Monitoring and preventing fraud or security issues

Information Sharing and Disclosure

We take your privacy seriously and do not sell, trade, or rent your personal information to third parties. However, we may share your information in the following circumstances:

Service Providers

We work with trusted third-party service providers who help us deliver our services. These providers may access your information only to perform specific tasks on our behalf and are obligated to protect your information.

Payment processors for handling transactions
Email service providers for sending communications
Cloud storage providers for data hosting
Analytics providers for website performance monitoring

Legal Requirements

We may disclose your information if required by law or if we believe in good faith that such disclosure is necessary to:

Comply with legal obligations or court orders
Protect our rights, property, or safety
Prevent fraud or security threats
Cooperate with law enforcement investigations

Data Security and Protection

We implement comprehensive security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. Our security practices include:

Technical Safeguards

SSL encryption for all data transmission
Secure servers with regular security updates
Firewalls and intrusion detection systems
Regular security audits and vulnerability assessments
Encrypted databases for sensitive information storage

Administrative Safeguards

Access controls limiting who can view your information
Employee training on privacy and security practices
Background checks for staff with access to personal data
Incident response procedures for security breaches

Security Disclaimer

While we strive to protect your information, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security but continuously work to improve our protective measures.

Your Rights and Choices

Under Australian privacy law, you have several rights regarding your personal information:

Access and Correction

You have the right to:

Request access to your personal information we hold
Request correction of inaccurate or incomplete information
Receive a copy of your personal information in a portable format
Request deletion of your personal information (subject to legal obligations)

Communication Preferences

You can control how we communicate with you:

Unsubscribe from marketing emails using the link in each message
Update your communication preferences in your account settings
Contact us to opt out of certain types of communications
Choose to receive only essential service-related communications

How to Exercise Your Rights

To exercise any of these rights, please contact us using the information provided at the end of this policy. We will respond to your request within 30 days and may require verification of your identity for security purposes.

Data Retention and Deletion

We retain your personal information for as long as necessary to provide our services and comply with legal obligations. Our retention periods vary based on the type of information:

Information Type	Retention Period	Reason
Account Information	Until account closure + 7 years	Legal and tax requirements
Payment Records	7 years from transaction	Financial regulations
Communication Records	3 years from last contact	Customer service quality
Website Usage Data	2 years from collection	Analytics and improvement
Marketing Data	Until opt-out + 1 year	Compliance verification

Secure Deletion

When we delete your information, we use secure deletion methods to ensure it cannot be recovered. This includes overwriting data on our servers and ensuring our service providers follow similar practices.

International Data Transfers

While we primarily operate within Australia, some of our service providers may store or process your information outside of Australia. When this occurs, we ensure appropriate safeguards are in place:

We only work with providers in countries with adequate privacy protections
We use contractual agreements to ensure your information receives the same level of protection
We conduct regular assessments of our providers' security practices
We maintain records of all international transfers for compliance purposes

Children's Privacy

Our services are designed for adults aged 18 and over. We do not knowingly collect personal information from children under 18 years of age. If we become aware that we have collected personal information from a child under 18, we will take immediate steps to delete such information.

If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately so we can take appropriate action.

Updates to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of any material changes by:

Posting the updated policy on our website with a new effective date
Sending you an email notification if the changes significantly affect your rights
Providing prominent notice on our website for at least 30 days
Requesting your consent if required by law

We encourage you to review this policy periodically to stay informed about how we protect your information. Your continued use of our services after any changes indicates your acceptance of the updated policy.

Contact Us About Privacy

If you have any questions about this Privacy Policy or our privacy practices, please contact us:

Email: info@murvolahub.com

Phone: +61 3 8609 7430

Address: 12 Wardell Pl, Kambah ACT 2902, Australia

Privacy Officer: Available during business hours (9 AM - 5 PM AEST)