Privacy Policy

Retirement Living Navigator, operated by MI Refunds Pty Ltd ("we", "us", "our"), respects your privacy and is committed to handling personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

This Privacy Policy explains what information we collect, how we use it, how it may be shared, and the choices you have regarding your personal information.

1. Information We Collect

We may collect personal information including:

• your name, email address, and phone number when you contact us, download resources, or book a consultation
• information you choose to share during consultations, including details relating to your circumstances, family situation, preferences, goals, or retirement living considerations
• payment information processed securely through third-party payment providers (we do not store full credit card details)
• technical website information such as IP address, browser type, pages viewed, and device information collected through cookies and analytics tools.

2. How We Use Your Information

We may use your information to:

• provide requested resources and guides
• schedule, deliver, and follow up on consultations
• send written summaries or recommended next steps following a consultation
• respond to enquiries and support requests
• improve our website, services, and client experience
• send occasional educational updates or retirement living resources where permitted
• meet legal, taxation, and record-keeping obligations.

3. Marketing Communications

From time to time, we may send occasional updates, resources, or educational information related to retirement living and navigating later-life transitions.

You can unsubscribe from these communications at any time using the unsubscribe link included in our emails or by contacting us directly.

We do not sell, rent, or trade your personal information to third parties.

4. Sharing of Information

We only share personal information where reasonably necessary to operate our business and provide our services.

This may include trusted third-party providers such as:

• booking and scheduling platforms
• email and communication providers
• payment processors
• cloud hosting and analytics services.

These providers are only permitted to use information for the purpose of providing services to us and are expected to handle personal information securely and appropriately.

We may also disclose information where required by law.

5. Storage and Security

We take reasonable steps to protect personal information from misuse, interference, loss, unauthorised access, modification, or disclosure through secure systems, password protection, and restricted access where appropriate.

Some service providers may store data outside Australia. Where this occurs, we take reasonable steps to ensure personal information is handled in a manner consistent with Australian privacy obligations.

6. Confidentiality of Consultations

Information shared during consultations is treated respectfully and confidentially.

We do not share personal information, family circumstances, or retirement living discussions with retirement village operators, providers, or other third parties without your consent unless required by law.

Please note that consultations are educational and advisory in nature and should not be relied upon as legal, financial, medical, or aged care advice.

7. Cookies and Analytics

Our website may use cookies and similar technologies to help improve website functionality and understand how visitors use the site.

You can disable cookies through your browser settings, however some website features may not function correctly as a result.

8. Accessing or Correcting Your Information

You may request access to personal information we hold about you, or request corrections where information is inaccurate or outdated, by contacting us using the details below.

We will respond within a reasonable timeframe in accordance with applicable privacy laws.

9. Privacy Complaints

If you believe your privacy has been breached, please contact us first so we can attempt to resolve the issue.

If you are not satisfied with our response, you may contact the Office of the Australian Information Commissioner (OAIC): https://www.oaic.gov.au

10. Changes to This Policy

We may update this Privacy Policy from time to time.

The latest version will always be available on this page with the updated revision date.

11. Contact

Privacy enquiries may be directed to hello@retirementlivingnavigator.com.au.