Privacy Policy
Your privacy matters to us. Here's how we protect and handle your personal information.
Latest Update
This privacy policy was last updated on March 15, 2025, and is effective immediately. We recommend reviewing this policy periodically as we may update it to reflect changes in our practices or legal requirements.
Information We Collect
Personal Information You Provide
When you use melioravion's budget contingency planning services, we collect information you voluntarily provide to us. This includes details you share when creating an account, contacting our support team, or participating in our educational programs.
- Contact Information: Your name, email address, phone number, and postal address when you register or contact us
- Financial Planning Data: Budget information, financial goals, and contingency planning preferences you input into our platform
- Communication Records: Messages, feedback, and support inquiries you send to our team
- Educational Progress: Your participation in learning programs, course completions, and skill assessments
Automatically Collected Information
Our systems automatically collect certain technical information when you visit our website or use our services. This helps us improve your experience and maintain platform security.
- Device Information: Browser type, operating system, device identifiers, and screen resolution
- Usage Data: Pages visited, time spent on our platform, features used, and navigation patterns
- Technical Data: IP addresses, cookies, session tokens, and security logs
- Performance Metrics: Page load times, error reports, and system performance indicators
How We Use Your Information
We use the information we collect for legitimate business purposes that benefit both you and our service quality. Our primary focus is providing effective budget contingency planning tools while respecting your privacy.
Service Provision
Your personal and financial planning data helps us deliver personalized budget contingency recommendations, track your progress, and provide relevant educational content tailored to your financial goals.
- Account Management: Creating and maintaining your user account, processing payments, and managing subscription services
- Educational Services: Delivering learning programs, tracking course progress, and providing certificates of completion
- Customer Support: Responding to inquiries, troubleshooting issues, and providing technical assistance
- Platform Improvement: Analyzing usage patterns to enhance features and develop new planning tools
- Communication: Sending important account updates, educational content, and service announcements
- Security: Detecting fraud, preventing unauthorized access, and maintaining platform integrity
Information Sharing and Disclosure
We don't sell your personal information to third parties. However, there are specific circumstances where we may share your information with trusted partners or as required by law.
Service Providers
We work with carefully selected third-party companies that help us deliver our services. These providers are bound by strict confidentiality agreements and can only use your information for the specific services they provide to us.
- Cloud Hosting: Secure data storage and platform hosting services
- Payment Processing: Credit card processing and subscription management
- Email Services: Delivery of account notifications and educational content
- Analytics: Website performance analysis and user experience optimization
Legal Requirements
We may disclose your information when required by Australian law, court orders, or regulatory authorities. This includes compliance with the Privacy Act 1988, Australian Consumer Law, and other applicable legislation.
Your Privacy Rights
Under Australian privacy legislation, you have several rights regarding your personal information. We're committed to helping you exercise these rights effectively.
Access Your Data
You can request a copy of all personal information we hold about you. We'll provide this within 30 days in a commonly used electronic format.
Correct Information
If you notice any inaccurate or outdated information in your account, you can update it directly through your user dashboard or contact our support team.
Delete Your Account
You may request deletion of your account and associated personal information. We'll process this request within 45 days, subject to legal retention requirements.
Restrict Processing
In certain circumstances, you can request that we limit how we use your information while maintaining your account access.
Data Portability
You can request your financial planning data in a structured format to transfer to another service provider if you choose.
Withdraw Consent
Where we rely on your consent for processing, you can withdraw it at any time through your account settings or by contacting us.
Data Security and Protection
We implement comprehensive security measures to protect your personal and financial information from unauthorized access, alteration, disclosure, or destruction.
Technical Safeguards
- Encryption: All data transmissions use industry-standard SSL/TLS encryption, and sensitive data is encrypted at rest
- Access Controls: Role-based access restrictions ensure only authorized personnel can access your information
- Regular Monitoring: Continuous security monitoring and intrusion detection systems protect against unauthorized access
- Secure Infrastructure: Our servers are hosted in certified data centers with physical security controls and redundant systems
Operational Security
Our team follows strict security protocols including regular security training, background checks for personnel with data access, and incident response procedures. We conduct regular security audits and penetration testing to identify and address potential vulnerabilities.
Data Retention and Deletion
We retain your information only as long as necessary to provide our services and comply with legal obligations. Different types of information have different retention periods based on their purpose and legal requirements.
| Information Type | Retention Period | Purpose |
|---|---|---|
| Account Information | Duration of account plus 2 years | Service provision and support |
| Financial Planning Data | Duration of account plus 7 years | Australian financial record requirements |
| Communication Records | 3 years from last contact | Customer service and dispute resolution |
| Usage Analytics | 26 months | Service improvement and analysis |
| Security Logs | 12 months | Security monitoring and compliance |
Cookies and Tracking Technologies
We use cookies and similar technologies to enhance your experience, analyze website performance, and provide personalized content. You have control over most cookies through your browser settings.
Types of Cookies We Use
- Essential Cookies: Required for basic website functionality, account login, and security features
- Performance Cookies: Help us understand how visitors use our website to improve user experience
- Functional Cookies: Remember your preferences and settings to personalize your experience
- Analytics Cookies: Provide insights into website usage patterns and user behavior
You can manage cookie preferences through your browser settings or our cookie consent banner. Disabling certain cookies may affect website functionality and your user experience.
International Data Transfers
While we primarily store data within Australia, some of our service providers may process information in other countries with adequate privacy protections. We ensure appropriate safeguards are in place for any international data transfers.
Cross-Border Data Protection
When we transfer data internationally, we use approved mechanisms such as standard contractual clauses, adequacy decisions, or other legally recognized transfer methods to ensure your information maintains the same level of protection.
Children's Privacy
Our services are designed for adults aged 18 and over. We don't knowingly collect personal information from children under 13 years of age. If we discover we've inadvertently collected such information, we'll delete it promptly.
Parents or guardians who believe we may have collected information from a child under 13 should contact us immediately using the details provided below.
Changes to This Privacy Policy
We may update this privacy policy periodically to reflect changes in our practices, services, or legal requirements. Significant changes will be communicated through email notifications or prominent website notices.
We recommend reviewing this policy regularly to stay informed about how we protect your information. The effective date at the top of this policy indicates when it was last updated.
Contact Us About Privacy
If you have questions about this privacy policy, want to exercise your privacy rights, or need to report a privacy concern, we're here to help.
We aim to respond to all privacy-related inquiries within 5 business days. For urgent matters, please call us directly during business hours.