meridoxavon - Budget Education & Financial Literacy Platform

Information We Collect

At meridoxavon, we collect information to provide you with better financial education services and improve your learning experience. The types of information we collect include personal details you provide directly to us, as well as information gathered automatically through your use of our platform.

Personal Information: When you register for our courses, create an account, or contact us, we collect information such as your name, email address, phone number, and postal address. We also collect payment information when you enroll in our programs, though this is processed securely through third-party payment processors.

We automatically collect technical information about your device and how you interact with our website. This includes your IP address, browser type, operating system, referring URLs, and pages viewed. We use cookies and similar technologies to enhance your browsing experience and remember your preferences.

Account registration information including name, email, and contact details
Course enrollment data and learning progress tracking
Payment information processed through secure third-party systems
Device information, IP addresses, and browsing patterns
Communication records when you contact our support team
Survey responses and feedback you choose to provide

When you participate in our community forums or submit questions, we collect the content you share. This helps us improve our educational materials and provide better support to all learners. You have control over what information you share in these interactions.

How We Use Your Information

We use the information we collect primarily to deliver our financial education services and support your learning journey. Your data helps us personalize your experience, track your progress, and provide relevant course recommendations.

Course delivery and administration represent our primary use of personal information. We track your progress through modules, remember where you left off, and provide certificates upon completion. This requires us to maintain records of your enrollment status, completion dates, and assessment results.

Communication Purposes: We use your contact information to send course updates, important announcements about our services, and respond to your inquiries. You can opt out of promotional communications while still receiving essential service-related messages.

Providing access to courses and educational materials
Tracking learning progress and issuing certificates
Processing payments and managing subscriptions
Sending course updates and educational content
Improving our services through usage analysis
Providing customer support and technical assistance
Conducting research to enhance our educational offerings

We analyze usage patterns to understand how learners interact with our content. This helps us identify which topics need more explanation, where students commonly struggle, and which teaching methods work best. All analysis is conducted in ways that protect individual privacy.

For security purposes, we monitor access to accounts and flag unusual activity that might indicate unauthorized use. This protective monitoring helps keep your personal information and progress records secure.

Information Sharing and Disclosure

meridoxavon does not sell your personal information to third parties. We share information only in specific circumstances necessary for providing our services or as required by law. Our approach prioritizes your privacy while enabling us to deliver quality financial education.

We work with trusted service providers who help us operate our platform. These include payment processors, email service providers, hosting companies, and analytics tools. All third parties are contractually obligated to protect your information and use it only for the specific services they provide to us.

Legal Requirements: Under Australian law, we may be required to disclose information in response to valid legal processes, court orders, or regulatory investigations. We will notify you of such requests unless legally prohibited from doing so.

Service providers who help operate our platform and process payments
Analytics providers who help us understand site usage (data is anonymized)
Email service providers for sending course communications
Cloud hosting providers who securely store our data
Legal authorities when required by valid legal process
Potential business successors in the event of a merger or acquisition

If meridoxavon undergoes a business transition such as a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We would notify you before your personal information becomes subject to a different privacy policy.

We may share aggregated, non-personal information about our user base with partners or in public reports. This statistical information cannot be used to identify individual users and helps demonstrate the impact of financial education in Australia.

Data Security and Protection

Protecting your personal information is a fundamental responsibility we take seriously. We implement multiple layers of security measures to safeguard data both in transit and at rest. Our security practices follow industry standards and are regularly reviewed and updated.

All data transmission between your device and our servers uses SSL/TLS encryption. This ensures that information you submit through our website cannot be intercepted by unauthorized parties. Our servers are hosted in secure data centers with physical access controls and 24/7 monitoring.

Access Controls: We limit access to personal information to employees and contractors who need it to perform their job functions. All personnel with data access undergo background checks and receive regular privacy and security training.

SSL/TLS encryption for all data transmission
Secure cloud hosting with physical access controls
Regular security audits and vulnerability assessments
Employee access controls and security training
Automated backup systems with encryption at rest
Incident response procedures for potential security breaches

Despite our security measures, no system is completely immune to threats. If we discover a data breach that affects your personal information, we will notify you promptly and provide details about what information was involved and what steps we're taking in response.

You can help protect your account by choosing a strong password, keeping your login credentials confidential, and logging out of your account when using shared computers. Contact us immediately if you suspect unauthorized access to your account.

Your Rights and Choices

Under Australian privacy law, you have several rights regarding your personal information. We respect these rights and provide straightforward ways for you to exercise them. You maintain control over your data and can make choices about how we use it.

You have the right to access the personal information we hold about you. Simply contact us using the details below, and we'll provide you with a copy of your data within 30 days. There's no charge for reasonable requests, though we may charge a fee for excessive or repetitive requests.

Correction and Updates: If any of your personal information is incorrect or outdated, you can update it through your account settings or request corrections by contacting us. We'll make the changes promptly and notify any third parties who received the incorrect information if necessary.

Access your personal information and receive a copy of your data
Correct or update inaccurate information in our records
Request deletion of your personal information (subject to legal requirements)
Opt out of marketing communications while keeping essential service messages
Download your course progress and completion records
Restrict processing of your information in certain circumstances
File complaints with the Australian Privacy Commissioner if needed

You can request deletion of your account and associated data at any time. However, we may need to retain certain information for legal compliance, such as records required for taxation purposes or to resolve disputes. We'll explain what information must be retained and why.

For marketing communications, you can unsubscribe using the link in any promotional email or by updating your communication preferences in your account. You'll continue to receive important service-related messages about your courses and account.

Data Retention and International Transfers

We retain personal information only as long as necessary to fulfill the purposes for which it was collected or as required by law. Different types of information have different retention periods based on their purpose and legal requirements.

Course enrollment records and completion certificates are retained for seven years after course completion to support your professional development needs and comply with educational record-keeping requirements. Account information is kept while your account remains active plus two years after closure.

International Transfers: Some of our service providers are located outside Australia, including cloud hosting services in the United States and Europe. We ensure these transfers comply with Australian privacy law and include appropriate safeguards for your information.

Course records retained for 7 years after completion
Account information kept for 2 years after account closure
Payment records retained as required by taxation law
Communication logs kept for 3 years for support purposes
Marketing preferences maintained until you opt out
Technical logs automatically deleted after 12 months

When we transfer data internationally, we use standard contractual clauses approved by privacy regulators and conduct due diligence on the privacy laws and practices of destination countries. Your information receives equivalent protection regardless of where it's processed.

You can request information about where your data is stored and processed. If you have concerns about international transfers, contact us to discuss available options that might address your specific privacy needs.

Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience on our website and provide personalized services. Cookies are small files stored on your device that help us remember your preferences, keep you logged in, and understand how you use our site.

Essential cookies are necessary for our website to function properly. These include cookies that remember your login status, course progress, and basic site preferences. We don't need your consent for essential cookies as they're required for the service you've requested.

Analytics and Performance: We use analytics cookies to understand how visitors use our website, which pages are most popular, and where users encounter difficulties. This information helps us improve our educational content and user experience.

Essential cookies for login status and course progress
Preference cookies to remember your settings and choices
Analytics cookies to measure website performance and usage
Security cookies to detect and prevent fraudulent activity
Marketing cookies to show relevant educational content (with your consent)

You can control cookies through your browser settings. Most browsers allow you to refuse all cookies or indicate when a cookie is being sent. However, disabling essential cookies may affect your ability to use certain features of our website, such as staying logged in to your courses.

For marketing and analytics cookies, we provide clear options to opt out while still allowing you to use our educational services. Your cookie preferences are remembered and respected across your visits to our website.

Children's Privacy

meridoxavon's financial education services are designed for adults and we do not knowingly collect personal information from children under 13 years of age. Our courses focus on topics relevant to adult financial decision-making, such as budgeting, investing, and retirement planning.

If we discover that we have inadvertently collected information from a child under 13, we will delete that information immediately upon becoming aware of it. Parents or guardians who believe their child has provided personal information to us should contact us immediately.

Teen Financial Education: For users between 13 and 18 years old, we require parental consent before collecting any personal information. We provide special privacy protections for teen users and limit data collection to essential educational purposes only.

Parents who wish to review, modify, or delete their teen's information can contact us at any time. We will verify parental identity before making any changes to protect both the parent's and teen's privacy.

Changes to This Privacy Policy

We may update this privacy policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make significant changes, we will notify you through email or by posting a prominent notice on our website.

Minor updates, such as clarifications or formatting changes, may be made without notice. However, any changes that materially affect how we collect, use, or share your personal information will be communicated clearly with at least 30 days advance notice.

Continued Use: Your continued use of our services after privacy policy changes become effective constitutes acceptance of the updated terms. If you disagree with changes, you can close your account and discontinue using our services.

We maintain previous versions of our privacy policy for your reference. If you have questions about changes or want to understand what has been updated, feel free to contact us for clarification.

Privacy Policy