Privacy Policy

Who We Are and What This Covers

monteralvia operates from our Melbourne office at 62-66 King St, Melbourne VIC 3000, Australia. We're bound by the Australian Privacy Act 1988 and the Australian Privacy Principles (APPs). This policy covers all interactions with our website, services, and any communications you have with our team.

When we say "personal information," we mean anything that identifies you or could reasonably identify you. That includes obvious stuff like your name and email, but also things like IP addresses, browsing patterns, and the specific financial topics you're researching.

What Information We Collect

We only collect what we actually need. Here's the breakdown:

Information You Give Us Directly

• Contact details when you reach out—name, email, phone number
• Account information if you create a profile with us
• Payment details when you purchase courses or services (processed through secure third-party providers)
• Questions and feedback you send through our contact forms
• Survey responses when you choose to participate

Information We Collect Automatically

• Device information—browser type, operating system, screen resolution
• Usage data—which pages you visit, how long you stay, what you click
• Technical data—IP address, cookies, session details
• Referral sources—how you found us (search engines, social media, direct links)

Why We Need Your Information

Every piece of data serves a purpose. We're not collecting things "just in case." Here's what we actually do:

We won't send you marketing emails unless you've explicitly agreed to receive them. And even then, every email includes a simple unsubscribe option.

How We Protect Your Data

Security isn't something we tack on as an afterthought. Here's what we do:

• All data transmission uses industry-standard SSL encryption
• Payment processing happens through PCI-compliant third-party providers—we don't store credit card details on our servers
• Access to personal information is restricted to staff who genuinely need it
• Regular security audits and updates to our systems
• Secure backup systems with encrypted storage

That said, no system is completely bulletproof. We do everything reasonable to protect your data, but we can't guarantee absolute security against determined attacks. If we ever experience a breach that affects your information, we'll notify you promptly as required by Australian law.

Who We Share Information With

We're not in the business of selling your data. But we do work with some third parties to keep things running:

Service Providers

Companies that help us deliver services—web hosting, email platforms, payment processors, analytics tools. These providers only get the minimum data they need and are contractually required to protect it.

Legal Obligations

If required by law, court order, or government request, we'll disclose information as legally mandated. We'll also share data if necessary to protect our rights, prevent fraud, or respond to emergencies.

Business Transfers

If monteralvia is acquired or merged with another company, your information would transfer as part of that transaction. You'd be notified if this happens.

How Long We Keep Your Data

We keep information as long as we need it for the purposes we collected it. That varies:

• Account information—as long as your account remains active, plus seven years for financial records (Australian tax law requirement)
• Marketing preferences—until you unsubscribe or request deletion
• Usage data and analytics—typically aggregated and anonymized after 26 months
• Support correspondence—three years from last contact

When we no longer need data, we securely delete it. Some information may remain in backup systems for a limited time but becomes inaccessible for normal operations.

Your Rights Under Australian Law

Australian Privacy Principles give you specific rights. You can:

Access Your Information

Request a copy of the personal information we hold about you. We'll provide this within 30 days, free of charge for reasonable requests.

Correct Inaccurate Data

If something's wrong, we'll fix it. Send us the correct information and we'll update our records promptly.

Request Deletion

Ask us to delete your personal information. We'll comply unless we have a legal reason to keep it (like tax records or ongoing disputes).

Opt Out of Marketing

Unsubscribe from marketing emails anytime using the link in every message, or contact us directly.

Complain About Privacy Practices

If you're concerned about how we've handled your information, contact us first. We take complaints seriously and respond within 30 days. If you're not satisfied, you can escalate to the Office of the Australian Information Commissioner (OAIC).

To exercise any of these rights, email us at contact@monteralvia.com or write to us at 62-66 King St, Melbourne VIC 3000, Australia. We'll verify your identity before processing requests.

International Data Transfers

Some of our service providers operate servers outside Australia—primarily in the United States and Europe. When your data moves internationally, we ensure those providers meet Australian privacy standards through contractual agreements and compliance certifications.

Countries like the United States don't have identical privacy laws to Australia. By using our services, you acknowledge this transfer may occur. We only work with providers who maintain strong data protection practices.

Children's Privacy

Our services target adults interested in financial education. We don't knowingly collect information from anyone under 18. If we discover we've inadvertently collected data from a minor, we'll delete it immediately. Parents who believe their child has provided us with personal information should contact us right away.

Changes to This Policy

We update this policy when our practices change or laws require it. When we make significant changes, we'll notify you via email (if we have your address) or through a prominent notice on our website. The "Last Updated" date at the top tells you when the latest version took effect.

Continuing to use our services after policy updates means you accept the changes. If you disagree with new terms, stop using our services and contact us about deleting your account.