Privacy Policy

1. Introduction and Scope

marisquelion Financial Services ("marisquelion", "we", "our", or "us") is committed to protecting your privacy and personal information. This privacy policy explains how we collect, use, disclose, and safeguard your information when you visit our website, use our capital budgeting services, or interact with us in any capacity.

This policy applies to all personal information collected by marisquelion through our website marisquelion.com, email communications, phone consultations, and any related services. We operate under Australian privacy laws, including the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

2. Information We Collect

We collect various types of information to provide and improve our financial services:

3. How We Use Your Information

Your personal information helps us deliver tailored financial services and maintain our professional relationship with you. We process your data for legitimate business purposes and with your consent where required.

4. Information Sharing and Disclosure

We maintain strict controls over information sharing. Your personal data is only disclosed when necessary for service delivery, legal compliance, or with your explicit consent.

We may disclose your information to Australian financial regulators, taxation authorities, or law enforcement when legally required. Additionally, if you participate in our referral programs or joint ventures, relevant information may be shared with participating organizations under strict confidentiality agreements.

5. Your Privacy Rights

Under Australian privacy law, you have significant rights regarding your personal information. We're committed to helping you exercise these rights efficiently.

• Access: Request copies of personal information we hold about you, including details about how it's been used and shared
• Correction: Ask us to update, correct, or complete any inaccurate or outdated information in our records
• Deletion: Request deletion of your personal information, subject to our legal and professional obligations
• Restriction: Limit how we process your information in certain circumstances while maintaining essential services
• Portability: Obtain your data in a structured format for transfer to another service provider where technically feasible
• Complaint: Lodge complaints about our privacy practices with us or the Office of the Australian Information Commissioner

To exercise any of these rights, contact our privacy officer using the details provided below. We'll respond to your request within 30 days and may need to verify your identity before proceeding.

6. Data Security and Protection

We employ multiple layers of security to protect your information from unauthorized access, alteration, or disclosure. Our security measures include encrypted data transmission, secure server hosting, regular security audits, and staff training on privacy protection.

Physical documents are stored in locked filing systems with restricted access. Digital information is protected through password-protected systems, regular data backups, and network security monitoring. However, no method of transmission over the internet is completely secure, and we cannot guarantee absolute security of your information.

7. Data Retention and Deletion

We retain your personal information only as long as necessary for legitimate business purposes or legal requirements. Client financial records are typically maintained for seven years following the completion of services, as required under Australian taxation and business record-keeping laws.

8. International Data Transfers

While marisquelion operates primarily within Australia, some of our service providers may process data internationally. When this occurs, we ensure appropriate safeguards are in place, including contractual protections and verification that recipient countries have adequate privacy laws.

We do not routinely transfer personal information overseas without your consent or legal authorization. If international transfers become necessary for service delivery, we'll notify you and explain the protections in place.

9. Cookies and Website Analytics

Our website uses cookies and similar technologies to enhance your browsing experience and analyze website performance. Essential cookies enable basic website functionality, while analytical cookies help us understand visitor behavior and improve our content.

You can control cookie settings through your browser preferences. Disabling certain cookies may affect website functionality, but we'll always respect your privacy choices. We use Google Analytics with privacy-focused settings and do not combine analytics data with personally identifiable information.

10. Children's Privacy

Our services are designed for adults and businesses. We do not knowingly collect personal information from individuals under 18 years of age. If you believe we have inadvertently collected information from a minor, please contact us immediately so we can delete it.

11. Policy Updates and Notifications

We review and update this privacy policy annually or when significant changes occur to our practices. When we make material changes, we'll notify you by email if we have your contact details, or through prominent website notices.

Continued use of our services after policy updates indicates your acceptance of the changes. However, we'll always seek additional consent if required by law for new processing activities.