Information We Collect

marionexalite collects several types of information to provide our financial stress management services effectively. When you register for our platform, we gather basic identification details including your name, email address, and phone number. We also collect demographic information such as age, location within Australia, and employment status to better understand your financial circumstances.

Our platform automatically collects technical information about your device and browsing behavior. This includes your IP address, browser type, operating system, and the pages you visit on our website. We use cookies and similar tracking technologies to remember your preferences and provide a personalized experience.

How We Use Your Information

The personal information we collect serves multiple purposes in delivering our financial wellness services. Primarily, we use your data to create personalized financial stress management plans tailored to your specific situation. Your income, expenses, and financial goals help us recommend appropriate resources and educational content.

• Provide personalized financial guidance and stress management techniques
• Send educational content and program updates via email communications
• Analyze usage patterns to improve our platform's effectiveness
• Ensure platform security and prevent unauthorized access
• Comply with Australian financial services regulations and legal requirements
• Process payments for premium services and maintain billing records

Data Sharing and Disclosure

marionexalite takes a conservative approach to sharing your personal information. We do not sell your data to third parties for marketing purposes. However, we may share limited information in specific circumstances outlined below.

Recipient Type	Information Shared	Purpose
Service Providers	Contact details, usage data	Platform maintenance, email delivery, analytics
Payment Processors	Billing information, transaction data	Processing subscription payments securely
Legal Authorities	Any information if required	Compliance with Australian law enforcement requests
Business Partners	Aggregated, anonymized data only	Research and industry insights

When we work with third-party service providers, they're bound by contractual agreements that require them to protect your information with the same standards we maintain. These providers can only use your data for the specific services they perform on our behalf.

Your Privacy Rights

Under Australian privacy legislation, including the Privacy Act 1988, you have several important rights regarding your personal information. These rights ensure you maintain control over how your data is collected, used, and stored.

To exercise any of these rights, contact our privacy team using the information provided below. We'll respond to your request within 30 days and provide clear information about any actions we've taken. Some requests may require identity verification to protect your information from unauthorized access.

Data Security Measures

Protecting your financial information requires robust security measures across our entire platform. We employ industry-standard encryption protocols to safeguard data during transmission and storage. All sensitive information is encrypted using AES-256 encryption standards.

Employee access to personal information is strictly limited on a need-to-know basis. Our staff undergo regular privacy training and are bound by confidentiality agreements. We conduct annual security assessments and update our protection measures based on emerging threats and best practices.

Data Retention Policies

We retain your personal information only as long as necessary to provide our services and comply with legal obligations. Account information remains active while you maintain an account with us. After account closure, we keep essential records for seven years as required by Australian financial services regulations.

• Active account data: Retained while account remains open
• Financial records: Seven years after account closure (regulatory requirement)
• Marketing preferences: Until you unsubscribe or account closure
• Website analytics: Aggregated data retained for three years
• Support communications: Three years for quality assurance purposes

When retention periods expire, we securely delete personal information using certified data destruction methods. Anonymized, aggregated data may be retained longer for research and service improvement purposes, but this cannot be linked back to individual users.

Cookies and Tracking

Our website uses cookies and similar technologies to enhance your experience and provide personalized services. Essential cookies are necessary for basic website functionality, while optional cookies help us understand how you use our platform and improve our services.

You can control cookie preferences through your browser settings, though disabling certain cookies may affect website functionality. We use Google Analytics for website performance insights and social media pixels for relevant advertising on other platforms.

Children's Privacy

marionexalite's services are designed for adults aged 18 and over. We do not knowingly collect personal information from children under 18. If we become aware that we've inadvertently collected information from someone under 18, we'll delete it immediately and close any associated accounts.

International Data Transfers

While marionexalite primarily operates within Australia, some of our service providers may process data internationally. When this occurs, we ensure appropriate safeguards are in place through contractual agreements and compliance with Australian privacy principles.

Any international data transfers comply with the Australian Privacy Principles and include appropriate security measures to protect your information. We work only with providers who demonstrate adequate privacy protections and commit to handling Australian personal information responsibly.

Policy Updates

We review and update this privacy policy annually or when significant changes occur to our data handling practices. When updates are made, we'll notify active users via email and update the effective date at the top of this policy.

Continued use of our services after policy updates constitutes acceptance of the revised terms. For significant changes that materially affect how we handle your information, we may request explicit consent before implementing the new practices.