When you use moraviquonex's services, we collect different types of information depending on how you engage with our platform. Some information you provide directly, while other data gets collected automatically through your interactions with our website.

Personal Information You Provide

• Contact details including name, email address, phone number, and postal address
• Financial information such as income range, employment status, and financial goals when requesting comparisons
• Identification details when required for regulatory compliance or service verification
• Communication preferences and feedback you share with our team
• Any additional information you choose to provide when contacting us or using our services

Automatically Collected Data

Our systems automatically gather technical information about your visit. This includes your IP address, browser type, device identifiers, operating system, and the pages you access on our site. We also collect timestamps of your visits and how you navigate through different sections of our platform.

Your information helps us provide better financial comparison services and improve your overall experience. We're not in the business of selling your data—we use it to deliver the services you've requested and to make our platform more useful.

We don't hand over your personal information lightly. When we do share data, it's done carefully and only in specific circumstances that serve legitimate purposes related to our services.

Financial Institutions and Partners

When you request a comparison or express interest in a particular financial product, we may share relevant information with the institutions offering those products. This happens only when necessary to process your inquiry or request. These partners have their own privacy obligations and should handle your information according to their policies.

Service Providers

We work with third-party service providers who help us run our platform—things like hosting services, email delivery systems, analytics tools, and customer support platforms. These providers can access personal information only to perform their specific tasks and are contractually obligated to keep it confidential.

Under Australian privacy law, you have several rights regarding your personal information. We've designed our processes to make exercising these rights as straightforward as possible.

We typically respond to access and correction requests within 30 days. If your request is complex or we're dealing with multiple requests, it might take a bit longer—but we'll let you know if that's the case.

Keeping your information secure is something we take seriously. We've implemented several technical and organizational measures to protect your data from unauthorized access, disclosure, or loss.

• Encryption of data in transit using industry-standard SSL/TLS protocols
• Secure storage systems with access controls and regular security audits
• Staff training on data protection and confidentiality requirements
• Regular software updates and security patches to address vulnerabilities
• Restricted access to personal information on a need-to-know basis

While we work hard to protect your information, no system is completely foolproof. If you suspect any unauthorized access to your account or information, please contact us right away so we can investigate and take appropriate action.

We don't keep your information indefinitely. How long we retain data depends on the type of information and why we collected it in the first place.

For personal information you've provided when requesting comparisons, we typically keep it for as long as necessary to provide our services and then for an additional period to meet legal and regulatory requirements. This usually means around seven years from your last interaction with us, though specific data types may have different retention periods.

Technical data like website logs and analytics information generally gets retained for shorter periods—usually between 12 to 24 months—unless there's a specific reason to keep it longer.

Our website uses cookies and similar technologies to enhance your browsing experience and understand how people use our platform. Cookies are small text files stored on your device that help us remember your preferences and track site usage.

Types of Cookies We Use

Essential cookies keep the site working properly and enable basic functions like page navigation. Analytics cookies help us understand visitor behavior so we can improve our services. Functional cookies remember your preferences and choices. We don't currently use advertising cookies, but if that changes, we'll update this policy and seek your consent where required.

You can manage cookie preferences through your browser settings. Just be aware that blocking certain cookies might affect how well some features of our site work for you.

Our website contains links to other websites—particularly financial institutions whose products we compare. Once you click on those links and leave our site, this privacy policy no longer applies. We don't control those other sites or how they handle privacy, so you should read their privacy policies before sharing any personal information with them.

We update this privacy policy from time to time to reflect changes in our practices or relevant laws. When we make significant changes, we'll post a notice on our website and update the "last updated" date at the top of this page.

For major changes that affect how we handle your personal information, we'll try to notify you directly via email if we have your contact details. Continuing to use our services after changes take effect means you accept the updated policy.

If you're not happy with how we've handled your personal information, please let us know. We take complaints seriously and will investigate any concerns you raise.

Start by contacting our privacy officer using the details below. We'll acknowledge your complaint within five business days and aim to resolve it within 30 days. 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).