Privacy Policy
Last Updated: 14 March 2025
At meleniqavora, we're committed to protecting your personal information. This policy explains how we collect, use, and safeguard your data when you interact with our personal finance education services. We operate under Australian privacy laws, including the Privacy Act 1988 and the Australian Privacy Principles.
We understand that managing your financial education means sharing personal details with us. You deserve to know exactly what happens with that information.
Information We Collect
When you use our services, we collect different types of information depending on how you engage with us. Here's what we gather and why it matters:
Personal Details You Provide
- Your name, email address, phone number when you sign up for programs or webinars
- Payment information through secure processors when enrolling in paid courses
- Your learning preferences and financial education goals during registration
- Communication history when you contact us through email or our contact form
- Feedback and survey responses that help us improve our programs
Automatically Collected Information
Like most websites, we collect some data automatically when you visit meleniqavora.com:
- Your IP address and general location (city or region level, not your exact address)
- Browser type, device information, and operating system
- Pages you visit, time spent on our site, and how you navigate through content
- Referral sources that brought you to our site
- Technical information about your device and internet connection
How We Use Your Information
We only use your data for legitimate purposes related to providing quality financial education. No selling to third parties, no spamming, no nonsense.
| Purpose | What This Means |
|---|---|
| Service Delivery | Providing access to learning programs, webinars, and educational materials you've enrolled in |
| Communication | Sending program updates, schedule changes, and responding to your inquiries |
| Improvement | Analyzing how people use our site to make the learning experience better |
| Security | Protecting against fraud, unauthorized access, and technical issues |
| Legal Compliance | Meeting Australian regulatory requirements and responding to legal requests |
Marketing Communications: We'll only send promotional emails if you've opted in. You can unsubscribe anytime using the link at the bottom of our emails. Program-related communications (like schedule updates for courses you're enrolled in) are separate and necessary for service delivery.
How We Share Your Information
We don't sell your personal data. Period. But we do work with trusted partners to deliver our services:
Service Providers
We share limited information with companies that help us run our business:
- Payment processors (they handle transactions securely and we never see your full card details)
- Email service providers for sending program updates and communications
- Cloud hosting services where our learning platform lives
- Analytics tools that help us understand how to improve the site
Legal Requirements
We may disclose your information if required by Australian law, court orders, or to protect our legal rights. This might include responding to subpoenas or investigating potential fraud.
Business Transfers
If meleniqavora merges with another company or sells its assets, your information would transfer as part of that transaction. You'd be notified of any such change.
Data Storage and Security
We take data protection seriously. Your information is stored on secure servers located in Australia, protected by industry-standard encryption and security measures.
Our Security Measures
- Encrypted data transmission using SSL/TLS technology
- Regular security audits and vulnerability assessments
- Access controls limiting who can view your information internally
- Secure backup systems to prevent data loss
- Employee training on data protection and privacy practices
While we do everything reasonably possible to protect your data, no internet transmission is 100% secure. We recommend using strong passwords and keeping your login details confidential.
Data Retention
We keep your personal information for as long as you have an active account or as needed to provide services. After that, we retain certain data for legitimate business purposes:
- Course completion records: 7 years (standard education record retention)
- Financial transaction data: 7 years (Australian tax law requirements)
- Marketing preferences: Until you unsubscribe or request deletion
- Support communications: 3 years for quality assurance purposes
Your Privacy Rights
Under Australian privacy law, you have specific rights regarding your personal information. Here's what you can do and how to do it:
- Access Your Data: Request a copy of all personal information we hold about you. We'll provide this in a readable format within 30 days.
- Correct Inaccuracies: Ask us to update or fix incorrect information. You can edit some details directly in your account settings.
- Delete Your Information: Request deletion of your personal data. Note that we may need to retain some information for legal compliance.
- Restrict Processing: Ask us to limit how we use your information in certain circumstances.
- Data Portability: Request your data in a format you can transfer to another service provider.
- Object to Processing: Opt out of certain uses of your information, particularly for marketing purposes.
- Withdraw Consent: Remove permission for data uses you previously agreed to, though this won't affect past processing.
How to Exercise Your Rights: Email us at contact@meleniqavora.com with your request. Include your full name and the email address associated with your account. We'll verify your identity before processing any requests to protect your security.
If you're not satisfied with how we handle your request, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC).
Cookies and Tracking
We use cookies and similar technologies to make our site work properly and understand how visitors use it. Most of these are essential for basic functionality.
Types of Cookies We Use
- Essential Cookies: Required for the site to function. These remember your login status and basic preferences.
- Analytics Cookies: Help us understand which pages are popular and how people navigate our content.
- Functional Cookies: Remember your preferences like language settings or content filters.
You can control cookies through your browser settings. Blocking certain cookies might affect site functionality, though. Most browsers let you view and delete cookies individually or block them from specific sites.
Third-Party Links
Our site occasionally links to external resources and tools. We're not responsible for the privacy practices of these third-party sites. When you click away from meleniqavora.com, their privacy policies apply instead of ours. We recommend reading their policies if you're sharing personal information.
Children's Privacy
Our services are designed for adults managing their personal finances. We don't knowingly collect information from anyone under 18. If we discover we've accidentally collected data from a minor, we'll delete it promptly. Parents or guardians who believe their child has shared information with us should contact us immediately.
Changes to This Policy
We update this privacy policy occasionally to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you by email or through a prominent notice on our site. The "Last Updated" date at the top shows when the most recent changes were made.
Continuing to use our services after policy updates means you accept the revised terms. If you disagree with changes, you can close your account and stop using our services.
Contact Us About Privacy
Questions about how we handle your data? Want to exercise your privacy rights? We're here to help.
We aim to respond to all privacy inquiries within 5 business days. For complex requests, we might need up to 30 days, but we'll keep you updated on progress.