Privacy Policy — MarketKoala

1. Introduction

MarketKoala Pty Ltd (ABN 84 629 103 471) ("MarketKoala", "we", "us", or "our") operates the website marketkoala.shop and provides investment research, portfolio guidance, and consultation services to Australian investors. We are committed to protecting your privacy and handling your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

This Privacy Policy explains how we collect, use, disclose, store, and protect your personal information when you visit our website, request a consultation, subscribe to our research publications, or otherwise interact with our services. By using our website or providing your personal information to us, you acknowledge that you have read and understood this Privacy Policy.

2. Information We Collect

2.1 Information you provide directly

We may collect personal information that you voluntarily provide when you:

Complete our consultation request form (name, email, phone number, investment goals)
Subscribe to market commentary, research reports, or newsletters
Contact us by email, phone, or in person at our Melbourne office
Participate in surveys, webinars, or investor education events
Engage with our advisory or portfolio guidance services

This information may include your full name, contact details, date of birth, employment status, financial circumstances, investment experience, risk tolerance, portfolio holdings, and tax file number (where required for regulated services).

2.2 Information collected automatically

When you visit marketkoala.shop, we may automatically collect certain technical information including your IP address, browser type and version, operating system, device identifiers, referring URLs, pages viewed, time spent on pages, and interaction data. This information is collected through cookies, web beacons, and similar technologies as described in our Cookies Policy.

3. How We Use Your Information

We use your personal information for the following purposes:

To respond to consultation requests and provide investment research and portfolio guidance
To deliver market commentary, research reports, and educational content you have subscribed to
To assess your suitability for our services and tailor recommendations to your financial goals
To process payments and manage billing for paid advisory services
To comply with legal and regulatory obligations under Australian financial services law
To improve our website, services, and user experience through analytics
To send you relevant updates about our services, subject to your marketing preferences
To detect and prevent fraud, security breaches, and unauthorised access

We will only use your personal information for purposes directly related to the reason it was collected, unless you provide consent for additional uses or we are required or authorised by law to do so.

4. Disclosure of Personal Information

We do not sell your personal information to third parties. We may disclose your information to:

Our employees, contractors, and professional advisers who need access to perform their duties
Technology service providers who host our website, process payments, or deliver email communications
Financial institutions and custodians where necessary to facilitate investment transactions on your behalf
Regulatory bodies including ASIC, AUSTRAC, and the Australian Taxation Office where required by law
Law enforcement or government agencies when compelled by court order or statutory obligation

Where we disclose personal information to overseas recipients, we take reasonable steps to ensure those recipients comply with privacy standards comparable to the APPs, or we obtain your consent.

5. Data Security

We implement appropriate technical and organisational measures to protect your personal information from unauthorised access, modification, disclosure, or destruction. These measures include encrypted data transmission (TLS/SSL), access controls, secure server infrastructure, regular security assessments, and staff training on data handling practices.

While we take all reasonable precautions, no method of electronic transmission or storage is completely secure. If you believe your interaction with us is no longer secure, please contact us immediately at info@marketkoala.shop.

6. Your Rights

Under the Privacy Act 1988, you have the right to:

Request access to the personal information we hold about you
Request correction of inaccurate, incomplete, or out-of-date information
Withdraw consent for marketing communications at any time
Lodge a complaint with the Office of the Australian Information Commissioner (OAIC) if you believe we have breached the APPs

To exercise any of these rights, contact our Privacy Officer at info@marketkoala.shop or write to us at Level 14, 330 Collins Street, Melbourne VIC 3000, Australia. We will respond within 30 days.

7. Retention

We retain your personal information for as long as necessary to fulfil the purposes for which it was collected, comply with legal obligations (including record-keeping requirements under the Corporations Act 2001), resolve disputes, and enforce our agreements. When personal information is no longer required, we securely destroy or de-identify it.

8. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. The updated version will be posted on this page with a revised "Last updated" date. We encourage you to review this policy periodically.

9. Contact Us

For privacy-related enquiries, please contact:

Privacy Officer
MarketKoala Pty Ltd
Level 14, 330 Collins Street, Melbourne VIC 3000, Australia
Email: info@marketkoala.shop
Phone: +61 3 9010 4588