Privacy Policy
Your privacy matters to us. This policy explains how melaviqthos collects, uses, and protects your personal information when you use our budgeting platform and financial planning services.
Information We Collect
We collect various types of information to provide you with our budgeting and financial planning services. Our data collection practices are designed to enhance your experience while maintaining the highest standards of privacy protection under Canadian privacy laws.
Personal Information
- Full name, email address, and phone number when you create an account
- Billing information including address and payment details for subscription services
- Financial goals and budgeting preferences you share with our platform
- Communication records including support tickets and feedback submissions
- Profile information such as age range, income brackets, and financial objectives
Usage Information
- Device information including IP address, browser type, and operating system
- Website usage patterns, page views, and feature interactions
- Session duration and frequency of platform access
- Cookies and similar tracking technologies for website functionality
- Geographic location data based on IP address for service customization
How We Use Your Information
Your information helps us deliver personalized budgeting tools and financial planning resources tailored to your needs. We process your data with clear purposes that align with providing valuable financial education and planning services.
- Providing access to budgeting tools, calculators, and financial planning resources
- Customizing content recommendations based on your financial goals and preferences
- Processing subscription payments and managing your account billing
- Sending important updates about our services, new features, and policy changes
- Responding to your inquiries and providing customer support assistance
- Improving our platform functionality through anonymized usage analytics
- Ensuring platform security and preventing unauthorized access to accounts
- Complying with legal obligations and regulatory requirements in Canada
Data Processing Legal Basis
Under PIPEDA, we process your personal information based on your consent, contractual necessity for service delivery, and legitimate business interests that don't override your privacy rights. You can withdraw consent for optional data processing at any time through your account settings.
Information Sharing and Disclosure
We maintain strict controls over who can access your personal information. Our sharing practices are limited to essential service providers and specific legal circumstances as outlined below.
Third-Party Service Providers
- Payment processors for handling subscription transactions and billing
- Cloud hosting providers for secure data storage and platform operations
- Email service providers for delivering account notifications and updates
- Analytics services for improving platform performance and user experience
- Customer support tools for managing and resolving user inquiries
All third-party providers are bound by contractual agreements requiring them to protect your information and use it only for specified purposes. We conduct regular reviews of our service providers to ensure they maintain appropriate privacy and security standards.
Data Security and Protection
Protecting your financial information is paramount to our operations. We implement comprehensive security measures that exceed industry standards to safeguard your data against unauthorized access, disclosure, or misuse.
Technical Security Measures
- 256-bit SSL encryption for all data transmission between your device and our servers
- Advanced encryption at rest for all stored personal and financial information
- Multi-factor authentication options for enhanced account security
- Regular security audits and vulnerability assessments by independent firms
- Intrusion detection systems and 24/7 security monitoring
- Secure data centers with physical access controls and environmental monitoring
Administrative Security Measures
- Employee background checks and privacy training for all staff members
- Strict access controls ensuring only authorized personnel can access personal data
- Regular updates to security policies and incident response procedures
- Comprehensive data backup and recovery systems to prevent data loss
Data Retention and Deletion
We retain your personal information only as long as necessary to provide our services and meet legal obligations. Our retention practices are designed to balance service continuity with privacy protection principles.
Retention Periods
- Active account data: Retained while your account remains active and for 12 months after account closure
- Financial transaction records: Maintained for 7 years to comply with Canadian financial regulations
- Support communications: Kept for 3 years to maintain service quality and resolve follow-up issues
- Website usage analytics: Anonymized and retained for 2 years for platform improvement purposes
- Marketing preferences: Stored until you withdraw consent or request deletion
When retention periods expire, we securely delete or anonymize your information using industry-standard data destruction methods. You can request early deletion of certain data types through your account settings or by contacting our privacy team.
Your Privacy Rights Under Canadian Law
As a Canadian resident, you have specific rights regarding your personal information under PIPEDA and provincial privacy legislation. We're committed to helping you exercise these rights in a timely and transparent manner.
Access Your Information
Request a complete copy of the personal information we hold about you, including details about how it's being used and who it's shared with.
Correct Inaccuracies
Update or correct any personal information that is inaccurate, incomplete, or outdated to ensure our records remain current and precise.
Withdraw Consent
Withdraw your consent for optional data processing activities, though this may limit some platform features and customization options.
Request Deletion
Ask for deletion of your personal information when it's no longer needed for the purposes it was collected, subject to legal retention requirements.
File Complaints
Lodge a complaint with the Privacy Commissioner of Canada if you believe we haven't handled your personal information appropriately.
Data Portability
Request your personal information in a commonly used, machine-readable format for transfer to another service provider when technically feasible.
Cookies and Tracking Technologies
We use cookies and similar technologies to enhance your browsing experience and improve our platform functionality. Understanding how these technologies work helps you make informed choices about your privacy preferences.
Types of Cookies We Use
- Essential cookies: Required for basic platform functionality, login sessions, and security features
- Preference cookies: Remember your settings, language choices, and customization options
- Analytics cookies: Help us understand how users interact with our platform to improve performance
- Marketing cookies: Enable personalized content recommendations and measure campaign effectiveness
You can manage your cookie preferences through your browser settings or our cookie preference center. Disabling certain cookies may affect platform functionality, but essential features will continue to work properly.
Children's Privacy Protection
Our budgeting and financial planning services are designed for adults aged 18 and older. We do not knowingly collect personal information from children under 18 years of age without verifiable parental consent.
If we discover that we've inadvertently collected information from someone under 18, we will promptly delete that information from our systems. Parents or guardians who believe their child has provided us with personal information should contact us immediately using the details provided below.
Educational Content Access
While our general financial education content may be viewed by younger users with parental guidance, account creation and interactive features require users to be at least 18 years old or have documented parental consent.
International Data Transfers
While we primarily store and process your information within Canada, some of our trusted service providers may be located in other countries with adequate privacy protection standards.
- All international transfers comply with Canadian privacy law requirements
- Service providers in other countries must provide equivalent privacy protection
- We maintain contractual safeguards for all cross-border data processing
- Users are notified of significant changes to our data processing locations
Privacy Policy Updates
We may update this Privacy Policy periodically to reflect changes in our practices, technology, legal requirements, or business operations. When significant changes occur, we'll provide notice through multiple channels to ensure you're informed.
We encourage you to review this Privacy Policy regularly to stay informed about how we protect your information. The "Effective Date" at the top of this document indicates when the current version was last updated.
Contact Our Privacy Team
Have questions about this Privacy Policy or want to exercise your privacy rights? Our dedicated privacy team is here to help you understand how we protect your information.