Privacy Policy

At meruariyzo, we take your privacy seriously. This Privacy Policy explains how we collect, use, and protect your personal information when you use our financial planning subscription service. We're committed to transparency and giving you control over your personal data.

Information We Collect

We collect information you provide directly to us and some information automatically when you use our service:

• Contact information (name, email address, phone number, postal address)
• Financial information discussed during consultations (income ranges, financial goals, general circumstances)
• Communication records (consultation notes, email correspondence, support inquiries)
• Technical information (IP address, browser type, device information, usage patterns)

How We Use Your Information

We use your personal information for the following purposes:

• Providing monthly financial planning consultations and related services
• Communicating with you about your subscription and scheduling appointments
• Improving our service quality and developing new features
• Complying with legal obligations and protecting against fraudulent activity
• Sending relevant financial insights and service updates (with your consent)

Legal Basis for Processing

We process your personal data based on several legal foundations:

We process your data primarily on the basis of contractual necessity to provide our subscription service, legitimate business interests in improving our services, and your explicit consent for marketing communications.: Contractual necessity, legitimate interests, and consent as applicable

Information Sharing and Disclosure

We limit data sharing to essential situations and trusted partners:

• Service providers who help us operate our business (payment processors, scheduling software, customer support tools)
• Legal authorities when required by law or to protect rights and safety
• Professional advisors (lawyers, accountants) under confidentiality agreements

Cookies and Tracking Technologies

We use cookies and similar technologies to improve website functionality and analyze usage patterns. These technologies help us remember your preferences and provide a better user experience.

For detailed information about our cookie practices, please see our Cookie Policy.

Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. This includes encryption, secure servers, access controls, and regular security assessments. However, no internet transmission is completely secure, and we cannot guarantee absolute security.

Data Retention

We retain your personal information only as long as necessary to provide our services and comply with legal obligations. Consultation records are typically kept for seven years for regulatory compliance, while technical data is generally deleted after two years of account inactivity.

Your Privacy Rights

Depending on your location, you may have the following rights regarding your personal data:

• Access: Request copies of your personal information and understand how it's processed
• Rectification: Request correction of inaccurate or incomplete personal data
• Erasure: Request deletion of your personal data under certain circumstances
• Restriction: Request limitation of processing in specific situations
• Portability: Request transfer of your data to another service provider
• Object: Object to processing based on legitimate interests or for marketing purposes
• Withdraw consent: Revoke previously given consent for data processing

Children's Privacy

Our service is designed for adults and we do not knowingly collect personal information from children under 18. If we become aware that we have collected information from a child, we will take steps to delete such information promptly.

International Data Transfers

Your personal information may be processed in countries outside Australia by our service providers. When we transfer data internationally, we ensure appropriate safeguards are in place, such as standard contractual clauses or adequacy decisions by relevant authorities.

Changes to This Privacy Policy

We may update this Privacy Policy to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of material changes by posting the updated policy on our website and updating the "Last Updated" date.

Contact Us

If you have questions about this Privacy Policy or our data practices, or if you want to exercise your privacy rights, please contact us: