Who We Are

meliocarent operates as an educational platform focused on budget management and financial literacy. We're based in Brisbane, and we take your privacy seriously. This policy explains what we collect, why we collect it, and what rights you have.

When we say "we" or "meliocarent," we mean the entity operating at 1/232 Adelaide St, Brisbane City QLD 4000, Australia. This policy applies to all our online services, including our website and any educational materials we provide.

Information We Collect

We collect information in a few different ways. Some you give us directly, and some we gather automatically when you use our site.

Information You Provide

• Contact details when you reach out or sign up for updates
• Payment information if you enrol in paid courses
• Learning preferences and progress data
• Feedback and correspondence you send us
• Information in your user profile

Automatically Collected Data

Like most websites, we collect technical information when you visit. This includes your IP address, browser type, pages you view, and how long you spend on our site. We use this to understand how people use our platform and to improve it.

We also use cookies and similar tracking technologies. These help us remember your preferences and provide a better experience. You can control cookie settings through your browser.

How We Use Your Information

We're not in the business of selling your data. Everything we collect serves a specific purpose related to providing and improving our educational services.

• Providing access to course materials and tracking your progress
• Sending course updates, educational content, and service announcements
• Processing enrolments and handling billing
• Responding to your questions and support requests
• Analysing how our platform is used to make improvements
• Preventing fraud and maintaining security
• Complying with Australian privacy laws and regulations

Australian Privacy Principles Compliance

We operate under the Privacy Act 1988 and follow the Australian Privacy Principles (APPs). This means we handle your personal information with care and transparency.

We only collect information that's necessary for our educational services. When we collect sensitive information, we get your consent first. And we take reasonable steps to protect your data from misuse, interference, and loss.

If you're concerned about how we handle your information or want to make a complaint, you can contact the Office of the Australian Information Commissioner (OAIC) after raising the issue with us first.

Sharing Your Information

We don't sell or rent your personal information to anyone. However, we do share data with certain third parties who help us run our platform.

Service Providers

We work with companies that provide hosting, payment processing, email delivery, and analytics services. These providers only access the information they need to do their job, and they're contractually obligated to protect it.

Legal Requirements

Sometimes we're required by law to disclose information. This might happen in response to a court order, subpoena, or other legal process. We'll always verify the legitimacy of such requests before complying.

Business Transfers

If meliocarent is acquired or merges with another organisation, your information may be transferred as part of that transaction. We'd notify you before this happens and explain your options.

Your Rights and Choices

You have significant control over your personal information. Here's what you can do:

• Access: Request a copy of the personal information we hold about you
• Correction: Ask us to fix any inaccurate or incomplete information
• Deletion: Request that we delete your personal data (with some exceptions)
• Opt-out: Unsubscribe from marketing emails at any time
• Restrict processing: Limit how we use your information in certain circumstances
• Data portability: Receive your data in a structured, commonly used format

To exercise any of these rights, contact us using the details at the bottom of this page. We'll respond within 30 days. There's no charge for most requests, though we may charge a reasonable fee for excessive or repetitive requests.

Data Security

We take security seriously and use industry-standard measures to protect your information. This includes encryption, secure servers, and restricted access to personal data.

Our payment processing is handled by PCI-DSS compliant providers, so we never store complete credit card details on our servers. We regularly review and update our security practices to address new threats.

That said, no system is completely secure. While we do everything reasonable to protect your data, we can't guarantee absolute security. If you notice any suspicious activity related to your account, let us know immediately.

Data Retention

We keep your information only as long as necessary for the purposes we collected it. For most users, this means:

• Active account data is retained while your account is open
• Course completion records are kept for seven years to comply with educational standards
• Financial records are maintained for seven years as required by Australian tax law
• Marketing data is deleted within two years if you haven't engaged with us
• Support correspondence is typically deleted after three years

When we no longer need your information, we securely delete or anonymise it. You can request deletion of your account at any time, though we may need to retain certain records for legal compliance.

Cookies and Tracking

Our site uses cookies – small text files stored on your device that help us provide better service. We use both essential cookies (necessary for the site to function) and optional cookies (for analytics and improvement).

Types of Cookies We Use

• Essential cookies that enable core functionality
• Performance cookies that help us understand site usage
• Functional cookies that remember your preferences
• Analytics cookies that provide aggregated usage statistics

You can control cookies through your browser settings. Keep in mind that disabling certain cookies may affect site functionality. Most browsers let you block third-party cookies while still allowing first-party cookies from our meliocarent.

Children's Privacy

Our services are designed for adults aged 18 and over. We don't knowingly collect information from children under 18. If you're under 18, please don't provide any personal information without parental consent.

If we discover we've inadvertently collected information from someone under 18, we'll delete it promptly. Parents who believe we may have information about their child can contact us to request deletion.

International Data Transfers

Your information is primarily stored on servers located in Australia. However, some of our service providers operate internationally, which may involve transferring data overseas.

When we transfer data internationally, we ensure appropriate safeguards are in place. This might include standard contractual clauses, adequacy decisions, or other approved mechanisms under Australian privacy law.

We're transparent about which countries your data may be processed in. If you have specific concerns about international transfers, contact us for details about our current service providers.

Changes to This Policy

We review and update this privacy policy periodically to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you by email or through a prominent notice on our website.

The "Last Updated" date at the top of this page shows when we most recently revised the policy. We encourage you to check back occasionally to stay informed about how we protect your information.

Continuing to use our services after policy changes take effect means you accept the updated terms. If you disagree with changes, you can close your account.