Privacy Policy

Information We Collect

miravonthera operates as a comprehensive financial technology platform serving users across Australia. When you interact with our services, we collect various types of information to provide you with personalized financial tools and educational resources.

Personal Information

• Full name, email address, and contact details when you register for an account
• Phone number and postal address for account verification purposes
• Date of birth and identification documents as required by Australian financial regulations
• Employment information and income details for financial assessment purposes
• Banking details and transaction history when you connect financial accounts

Technical Information

Our platform automatically collects technical data to ensure optimal performance and security. This includes your IP address, browser type, operating system, and device identifiers. We also track your interactions with our platform, including pages visited, features used, and time spent on different sections.

How We Use Your Information

Your personal information serves multiple purposes within our financial technology ecosystem. We analyze your financial data to provide personalized budgeting recommendations, identify spending patterns, and suggest relevant financial products that might benefit your situation.

Service Provision

• Creating and maintaining your personal financial dashboard
• Generating automated budget recommendations based on your spending habits
• Providing real-time transaction categorization and analysis
• Sending personalized financial insights and alerts
• Facilitating connections to third-party financial service providers

Communication Purposes

We use your contact information to send important account updates, security notifications, and educational content about personal finance management. You'll receive monthly financial summaries, alerts about unusual spending patterns, and notifications about new features that might help improve your financial health.

Data Type	Retention Period	Purpose
Account Information	Active account + 7 years	Regulatory compliance and service provision
Transaction Data	5 years from last transaction	Financial analysis and reporting
Technical Logs	2 years	Security monitoring and system optimization

Information Sharing and Disclosure

miravonthera operates under strict guidelines regarding information sharing. We understand that your financial data is highly sensitive, and we take extraordinary measures to protect it. We never sell your personal information to marketing companies or data brokers.

Authorized Third Parties

We share information with carefully vetted service providers who help us deliver our platform services. These include cloud hosting providers, data analytics companies, and financial institutions. All third parties must sign comprehensive data protection agreements and undergo regular security audits.

• Banking partners for account connectivity and transaction processing
• Identity verification services for account security
• Customer support platforms for service delivery
• Analytics providers for platform improvement (anonymized data only)

Legal Requirements

Under Australian law, we may be required to disclose personal information to government agencies, regulatory bodies, or law enforcement. This typically occurs in cases involving suspected financial crimes, regulatory investigations, or court orders. We will always notify you of such disclosures unless legally prohibited from doing so.

Your Privacy Rights

As an Australian resident, you have specific rights under the Privacy Act 1988 regarding your personal information. We've designed our platform to make exercising these rights as straightforward as possible.

Access and Correction

You can access most of your personal information directly through your miravonthera dashboard. For information not readily available, you can request a comprehensive data export by contacting our privacy team. If you notice any inaccuracies, you can update most details yourself or request corrections for information you cannot modify directly.

Data Deletion

You have the right to request deletion of your personal information. However, we may need to retain certain records for regulatory compliance, particularly transaction histories and identity verification documents. When you close your account, we'll delete all non-essential data within 30 days and clearly explain what information we're required to retain and for how long.

Data Security Measures

Protecting your financial information requires multiple layers of security. We employ bank-grade encryption, secure data centers, and continuous monitoring to safeguard your personal data against unauthorized access, theft, or misuse.

Technical Safeguards

• 256-bit SSL encryption for all data transmission
• Advanced encryption at rest for stored data
• Multi-factor authentication for account access
• Regular security audits and penetration testing
• Automated threat detection and response systems
• Secure API integrations with banking partners

Operational Security

Our team undergoes comprehensive security training, and access to personal data is strictly controlled based on job requirements. We maintain detailed audit logs of all data access and regularly review access permissions. Our data centers are located within Australia and comply with Australian data sovereignty requirements.

International Data Transfers

While we primarily store data within Australia, some of our service providers operate internationally. When data must be transferred overseas, we ensure adequate protection through approved mechanisms such as Privacy Act exemptions or binding corporate rules.

Any international transfers are limited to what's necessary for service provision and are subject to contractual protections that meet Australian privacy standards. We regularly audit our international service providers to ensure ongoing compliance.

Cookies and Tracking Technologies

Our platform uses various technologies to enhance your experience and improve our services. Essential cookies enable basic platform functionality, while analytical cookies help us understand how users interact with different features.

Types of Cookies We Use

• Strictly necessary cookies for login and security functions
• Performance cookies to monitor platform speed and reliability
• Functionality cookies to remember your preferences
• Analytics cookies to improve user experience (anonymized data)

You can manage cookie preferences through your browser settings, though disabling certain cookies may limit platform functionality. We provide detailed cookie information in your account settings, where you can also opt out of non-essential cookies.

Changes to This Policy

We review and update this privacy policy regularly to reflect changes in our services, technology, or regulatory requirements. When significant changes occur, we'll notify you via email and through your miravonthera dashboard at least 30 days before the changes take effect.

Minor updates, such as clarifications or contact detail changes, will be posted with an updated date. We encourage you to review this policy periodically to stay informed about how we protect your privacy.