Introduction and Data Controller

meloravianthq ("we," "us," or "our") operates as a comprehensive financial reporting platform serving investors across Australia. This privacy policy explains how we collect, use, store, and protect your personal information when you use our services at meloravianthq.com or interact with our platform.

As the data controller, meloravianthq is responsible for ensuring your personal information is processed lawfully, fairly, and transparently. We're committed to protecting your privacy and complying with the Australian Privacy Principles (APPs) under the Privacy Act 1988 (Cth) and other applicable Australian privacy laws.

Information We Collect

We collect various types of information to provide and improve our financial reporting services. This includes information you provide directly, data generated through your use of our platform, and certain information from third-party sources.

• Personal Identification Information: Name, email address, phone number, postal address, date of birth, and government-issued identification numbers when required for verification purposes.
• Financial Information: Investment portfolios, transaction histories, account balances, financial goals, risk tolerance assessments, and related financial data necessary for our reporting services.
• Technical Information: IP address, browser type, device information, operating system, referring URLs, and usage patterns on our platform.
• Communication Data: Records of correspondence with our support team, feedback forms, survey responses, and any other communications you initiate with us.
• Professional Information: Employment details, income information, investment experience level, and professional qualifications when relevant to our services.

How We Use Your Information

Your personal information enables us to deliver comprehensive financial reporting services tailored to your investment needs. We process this data for specific, legitimate purposes that directly benefit your experience with our platform.

Legal Basis for Processing

Under Australian privacy law, we process your personal information based on legitimate grounds that ensure both legal compliance and practical service delivery. Our processing activities align with recognized legal bases that protect your interests while enabling our business operations.

• Contractual Necessity: Processing required to fulfill our service agreement with you, including account management, report generation, and platform access.
• Legitimate Interest: Activities that benefit our business while respecting your privacy rights, such as platform improvements, fraud prevention, and service optimization.
• Legal Obligation: Compliance with Australian financial services regulations, tax reporting requirements, and anti-money laundering laws.
• Consent: Specific activities you've explicitly agreed to, such as marketing communications or optional data sharing arrangements.
• Public Interest: Rare circumstances where processing serves broader public interests, such as financial system stability or regulatory investigations.

Data Sharing and Third Parties

We share your information only when necessary to provide our services or meet legal obligations. Our approach prioritizes data minimization, ensuring third parties receive only the information required for their specific function.

• Financial Data Providers: Authorized connections with banks, brokers, and financial institutions to aggregate your investment data for reporting purposes.
• Technology Partners: Cloud hosting providers, data analytics services, and security platforms that support our technical infrastructure.
• Professional Service Providers: Legal advisors, auditors, and compliance consultants who assist with regulatory requirements and business operations.
• Regulatory Bodies: Government agencies and financial regulators when required by law or legitimate regulatory requests.
• Business Transfers: Potential acquirers or merger partners, subject to confidentiality agreements and continued privacy protection commitments.

Your Privacy Rights

As an Australian resident, you have significant rights regarding your personal information. We've designed accessible procedures to help you exercise these rights efficiently and without unnecessary barriers.

To exercise any of these rights, contact us at info@meloravianthq.com with your specific request. We'll respond within 30 days and may require identity verification to protect your information from unauthorized access.

Data Security and Protection

We implement comprehensive security measures designed to protect your personal information from unauthorized access, alteration, disclosure, or destruction. Our approach combines technical safeguards, operational procedures, and ongoing security monitoring.

Despite these measures, no system is completely secure. We encourage you to use strong, unique passwords and report any suspicious account activity immediately. In the unlikely event of a data breach affecting your information, we'll notify you promptly as required by Australian law.

Data Retention Periods

We retain your personal information only as long as necessary to fulfill the purposes outlined in this policy or to meet legal requirements. Different types of information have varying retention periods based on their purpose and regulatory requirements.

When retention periods expire, we securely delete or anonymize your information unless longer retention is required by law or ongoing legal proceedings. You can request early deletion of information not subject to legal retention requirements.

International Data Transfers

While we primarily store and process your information within Australia, some of our service providers operate internationally. When we transfer personal information overseas, we ensure appropriate safeguards protect your privacy rights.

• Cloud Infrastructure: Our primary data centers are located in Australia, with backup systems in jurisdictions with adequate privacy protections.
• Service Providers: International vendors must demonstrate equivalent privacy protections through contractual commitments or certification programs.
• Data Localization: Sensitive financial data remains within Australian borders except when necessary for specific services you've requested.
• Transfer Safeguards: All international transfers include appropriate contractual clauses, adequacy decisions, or certification mechanisms to protect your rights.

Cookies and Tracking Technologies

Our platform uses cookies and similar technologies to enhance your experience, remember your preferences, and analyze platform usage. You can control cookie settings through your browser, though some functionality may be limited if you disable certain cookies.

Changes to This Policy

We may update this privacy policy periodically to reflect changes in our practices, technology, or legal requirements. Significant changes will be communicated through email notifications and prominent platform notices at least 30 days before taking effect.

We encourage you to review this policy regularly to stay informed about how we protect your information. The "Last Updated" date at the top indicates when changes were last made.

Complaints and Dispute Resolution

If you have concerns about how we handle your personal information, please contact us first using the details below. We're committed to resolving privacy concerns promptly and fairly through our internal complaint process.

If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC). The OAIC provides independent oversight of privacy practices and can investigate complaints about potential privacy breaches.