Privacy Policy
Your privacy matters to us at melorinavuthq
Introduction
At melorinavuthq, we're committed to protecting your personal information and being transparent about how we collect, use, and safeguard your data. This privacy policy explains our practices regarding your personal information when you use our long-term budgeting platform and related services.
We understand that financial data is particularly sensitive, and we've built our privacy practices around the principle that you should have complete control over your personal information. This policy complies with Canada's Personal Information Protection and Electronic Documents Act (PIPEDA) and other applicable privacy laws.
Information We Collect
We collect information that you provide directly to us, information we obtain automatically when you use our services, and information from third parties when necessary for our services.
We only collect information that's necessary for providing our budgeting services or improving your experience. You can choose not to provide certain information, though this may limit some features of our platform.
How We Use Your Information
We use your personal information to provide, maintain, and improve our budgeting platform. This includes creating personalized budget recommendations, tracking your financial goals, and sending you relevant insights about your spending patterns.
Your financial data helps us generate meaningful analytics and reports that assist with your long-term financial planning. We also use your information to communicate with you about service updates, security alerts, and educational content related to personal finance management.
For security purposes, we analyze usage patterns to detect suspicious activity and protect your account from unauthorized access. We may also use aggregated, anonymized data to improve our services and develop new features that benefit all users.
Information Sharing and Disclosure
We don't sell, rent, or trade your personal information to third parties for their marketing purposes. We only share your information in specific circumstances that directly support our services or comply with legal requirements.
Service Providers: We work with trusted third-party companies that help us operate our platform, such as cloud hosting providers, payment processors, and customer support tools. These companies are contractually required to protect your information and use it only for specified purposes.
Financial Institutions: With your explicit consent, we may connect to your bank accounts through secure, encrypted connections to import transaction data. This data flows directly between your bank and our platform without being stored by intermediary services.
Legal Compliance: We may disclose your information if required by Canadian law, court order, or government regulation. We'll notify you of such requests unless prohibited by law.
Your Privacy Rights
Under Canadian privacy law, you have several important rights regarding your personal information. We've made it easy to exercise these rights through your account settings or by contacting our privacy team.
Access Your Data
Request a copy of all personal information we have about you, including how we've used it and who we've shared it with.
Correct Inaccuracies
Update or correct any inaccurate personal information in your account at any time through your account settings.
Delete Your Information
Request deletion of your personal information, subject to legal retention requirements and legitimate business needs.
Restrict Processing
Limit how we use your information while maintaining your account and core service functionality.
Data Portability
Export your data in a structured, commonly used format that you can transfer to another service.
Withdraw Consent
Withdraw your consent for data processing activities that aren't essential for our core budgeting services.
To exercise any of these rights, please contact us using the information provided below. We'll respond to your request within 30 days and may need to verify your identity for security purposes.
Data Security
We implement comprehensive security measures to protect your personal and financial information. Our security practices include both technical safeguards and operational procedures designed to prevent unauthorized access, disclosure, or misuse of your data.
Encryption
All data is encrypted both in transit and at rest using industry-standard AES-256 encryption protocols.
Access Controls
Strict access controls ensure only authorized personnel can access your information on a need-to-know basis.
Regular Audits
We conduct regular security assessments and penetration testing to identify and address potential vulnerabilities.
Secure Infrastructure
Our platform runs on secure cloud infrastructure with 24/7 monitoring and automated threat detection.
While we implement robust security measures, no system is completely secure. We encourage you to use strong, unique passwords and enable two-factor authentication to help protect your account.
Data Retention
We retain your personal information only as long as necessary to provide our services, comply with legal obligations, and resolve disputes. Different types of information have different retention periods based on their purpose and legal requirements.
You can request deletion of your information at any time, though we may need to retain certain data to comply with legal requirements or resolve disputes.
International Data Transfers
Your information is primarily stored and processed in Canada. However, some of our service providers may process data in other countries with adequate privacy protections. When we transfer data internationally, we ensure appropriate safeguards are in place through contractual agreements and compliance certifications.
Any international transfers comply with Canadian privacy law requirements and include appropriate security measures to protect your information during transfer and processing.
Cookies and Tracking
We use cookies and similar technologies to improve your experience on our platform, remember your preferences, and provide personalized features. You can control cookie settings through your browser, though disabling certain cookies may limit some functionality.
We don't use third-party advertising cookies or share your information with advertising networks. Our cookies are primarily used for essential platform functions, security, and improving our services based on usage patterns.
Changes to This Policy
We may update this privacy policy periodically to reflect changes in our practices, services, or legal requirements. When we make significant changes, we'll notify you through email or prominent notices on our platform at least 30 days before the changes take effect.
We encourage you to review this policy regularly to stay informed about how we protect your information. The date of the most recent update is shown at the top of this page.
If you have concerns about any changes to our privacy policy, you can contact us or choose to close your account before the changes take effect.
Contact Information
If you have questions about this privacy policy, want to exercise your privacy rights, or have concerns about how we handle your information, please don't hesitate to contact us.
Privacy Office
You also have the right to file a complaint with the Privacy Commissioner of Canada if you believe we haven't addressed your privacy concerns adequately. You can find more information about filing complaints at the Office of the Privacy Commissioner's website.