Privacy Policy
At melorinthavus, we respect your privacy and are committed to protecting your personal information. This policy explains how we collect, use, and safeguard your data when you use our finance control platform.
Information We Collect
When you use melorinthavus's financial management services, we collect information that helps us provide personalized finance control solutions. This includes data you provide directly and information gathered through your platform usage.
- Personal Details: Your name, email address, phone number, and postal address when you create an account or contact our support team.
- Financial Information: Bank account details, transaction data, spending categories, and budget preferences you choose to connect through our secure banking integrations.
- Usage Data: How you navigate our platform, features you access most frequently, session duration, and interaction patterns that help us improve your experience.
- Device Information: IP address, browser type, operating system, and device identifiers for security and technical support purposes.
- Communication Records: Customer service interactions, support tickets, and feedback you provide to help us resolve issues and enhance our services.
Data Collection Principles
We only collect information that's necessary for providing our finance control services. You have control over what financial accounts you connect, and we never access more data than required for the features you choose to use.
How We Use Your Information
Your data powers the personalized financial insights and budgeting tools that make melorinthavus effective. We use this information to help you understand your spending patterns, set realistic financial goals, and track your progress toward better money management.
- Account Management: Creating and maintaining your profile, processing payments, and providing customer support when you need assistance.
- Financial Analysis: Categorizing transactions, generating spending reports, identifying trends, and creating budget recommendations tailored to your financial situation.
- Platform Improvement: Analyzing usage patterns to enhance existing features, develop new tools, and fix technical issues that affect user experience.
- Security Monitoring: Detecting unusual account activity, preventing unauthorized access, and protecting against fraud or data breaches.
- Communication: Sending important account updates, security alerts, new feature announcements, and educational content about financial management.
Data Sharing and Third Parties
We work with trusted partners to provide secure banking connections and enhanced financial services. These relationships are governed by strict data protection agreements that limit how your information can be used.
Banking Integration Partners: We use bank-grade security providers like Yodlee and Plaid to securely connect your financial accounts. These services only access transaction data necessary for account aggregation and budgeting features.
Service Providers: Cloud hosting, payment processing, and customer support platforms that help us operate melorinthavus effectively. All partners sign comprehensive data processing agreements and undergo regular security audits.
Legal Requirements: We may disclose information when required by Australian law, court orders, or to protect our users and platform from fraud or security threats.
No Data Sales
melorinthavus never sells your personal or financial information to advertisers, marketing companies, or data brokers. Your financial privacy is fundamental to our service, and we maintain strict controls over data access and usage.
Your Rights and Control
Under Australian Privacy Principles and international data protection standards, you have significant rights regarding your personal information. We've designed melorinthavus to give you meaningful control over your data and privacy settings.
- Access and Portability: Request a complete copy of your personal data in a standard format that you can review or transfer to another service.
- Correction and Updates: Modify incorrect information through your account settings or contact our support team for assistance with complex changes.
- Deletion Rights: Request complete removal of your account and associated data, with the understanding that some information may be retained for legal compliance.
- Processing Restrictions: Limit how we use your data for specific purposes while maintaining essential account functions and security measures.
- Communication Preferences: Control marketing emails, feature announcements, and non-essential notifications through your account dashboard.
To exercise these rights, contact our privacy team at info@melorinthavus.com with your request and account verification details. We respond to most privacy requests within 14 business days and provide regular updates on complex cases.
Data Security and Protection
Financial data requires exceptional security measures, and we've implemented multiple layers of protection to safeguard your information against unauthorized access, theft, or misuse.
Encryption Standards: All data transmission uses TLS 1.3 encryption, and stored information is protected with AES-256 encryption. Your financial data is encrypted both in transit and at rest using industry-leading security protocols.
Access Controls: Multi-factor authentication, role-based permissions, and regular access reviews ensure that only authorized personnel can access your information for legitimate business purposes.
Security Monitoring: 24/7 threat detection systems, automated anomaly monitoring, and regular security audits help us identify and respond to potential risks before they affect your data.
Infrastructure Security: We use Australian-based cloud providers with SOC 2 Type II certification, ensuring your data is stored in secure facilities with comprehensive physical and digital protections.
Data Retention and Deletion
We retain your information only as long as necessary to provide melorinthavus services and comply with Australian financial regulations. Different types of data have specific retention periods based on their purpose and legal requirements.
Active Account Data: Personal information and financial data are maintained while your account remains active and for 12 months after closure to support any questions or issues.
Transaction Records: Financial transaction data may be retained for up to seven years to comply with Australian Taxation Office requirements and financial services regulations.
Communication Records: Customer support interactions and account communications are kept for three years to maintain service quality and resolve future inquiries.
When data reaches the end of its retention period, we use secure deletion processes that permanently remove information from all systems and backups, ensuring complete data destruction.
International Data Transfers
While melorinthavus primarily operates within Australia, some data processing may occur in other countries where our service providers maintain secure facilities. We ensure adequate protection for any international data transfers.
Transfer Safeguards: All international data transfers are protected by adequacy decisions, standard contractual clauses, or binding corporate rules that provide equivalent privacy protection to Australian standards.
Service Provider Oversight: International partners undergo rigorous security assessments and agree to data protection terms that meet or exceed Australian Privacy Principles before processing your information.
Cookies and Tracking
melorinthavus uses cookies and similar technologies to enhance your platform experience, remember your preferences, and provide personalized financial insights. You can control cookie settings through your browser or account preferences.
Essential Cookies: Required for basic platform functionality, security, and account access. These cannot be disabled without affecting your ability to use melorinthavus effectively.
Analytics Cookies: Help us understand how you use melorinthavus to improve features and identify technical issues. You can opt out of analytics tracking in your privacy settings.
Preference Cookies: Remember your dashboard layout, notification settings, and other customizations to provide a personalized experience across sessions.
Changes to This Policy
We review and update this privacy policy regularly to reflect changes in our services, legal requirements, or data protection practices. Significant changes will be communicated through email notifications and prominent notices on our platform.
Minor updates that don't affect your rights or how we process your data will be posted directly to this page with an updated effective date. We encourage you to review our privacy policy periodically to stay informed about how we protect your information.
Policy Effective Date: This privacy policy was last updated on February 15, 2025, and reflects our current data protection practices and commitments to user privacy.
Privacy Questions and Contact
If you have questions about this privacy policy, want to exercise your data rights, or need assistance with privacy-related concerns, our dedicated privacy team is ready to help.
Cairns North QLD 4870
Australia