Privacy Policy
Your privacy matters to us at meravistola
1. Introduction and Overview
meravistola ("we," "us," or "our") operates meravistola.com and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our financial services platform.
This policy complies with the Australian Privacy Principles under the Privacy Act 1988 (Cth) and the Australian Consumer Law. By using our services, you consent to the data practices described in this policy.
Important Notice
We may update this Privacy Policy periodically. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last Updated" date. Your continued use of our services after any modifications indicates your acceptance of the updated policy.
2. Information We Collect
Personal Information
We collect several types of information from and about users of our website and services:
- Contact information including name, email address, postal address, and phone number
- Financial information such as bank account details, credit card information, and transaction history
- Identity verification documents including driver's license, passport, or other government-issued identification
- Employment and income information for service eligibility assessment
- Tax file number and other tax-related information as required by Australian law
- Preferences and interests related to our financial products and services
Automatically Collected Information
When you access our website, we automatically collect certain information about your device and usage patterns:
| Information Type | Description | Purpose |
|---|---|---|
| Device Information | IP address, browser type, operating system | Security and fraud prevention |
| Usage Data | Pages visited, time spent, click patterns | Website improvement and analytics |
| Location Data | General geographic location | Service customization and compliance |
3. How We Use Your Information
We use the information we collect for various business and operational purposes, including:
Primary Uses
Your personal information helps us provide, maintain, and improve our financial services platform. We use this data to process transactions, verify your identity, assess creditworthiness, and deliver personalized financial insights.
Detailed Usage Categories
- Processing and fulfilling service requests and transactions
- Verifying identity and preventing fraud or unauthorized access
- Communicating with you about your account, services, and important updates
- Providing customer support and responding to inquiries
- Conducting risk assessments and credit evaluations
- Complying with legal obligations and regulatory requirements
- Improving our website functionality and user experience
- Developing new products and services that meet user needs
- Sending marketing communications (with your consent)
We may also use aggregated, de-identified information for research and analytics purposes to better understand market trends and user behavior patterns.
4. Information Sharing and Disclosure
We do not sell, trade, or otherwise transfer your personal information to third parties without your consent, except in the following circumstances:
Authorized Third Parties
We may share your information with trusted service providers who assist us in operating our website, conducting business, or serving our users. These parties are contractually obligated to keep your information confidential and use it only for specified purposes.
- Payment processors and financial institutions for transaction processing
- Identity verification services and credit reporting agencies
- Cloud hosting providers and data storage services
- Customer support platforms and communication tools
- Professional advisors including lawyers, accountants, and auditors
- Marketing and analytics service providers
Legal Requirements
We may disclose your personal information when required by law or in good faith belief that such disclosure is necessary to comply with legal processes, respond to government requests, or protect our rights, property, or safety.
Business Transfers
In the event of a merger, acquisition, or sale of assets, your personal information may be transferred as part of the business transaction. We will provide notice before your information becomes subject to a different privacy policy.
5. Your Rights and Choices
Under Australian privacy law, you have several rights regarding your personal information:
Access and Correction
You have the right to access the personal information we hold about you and request corrections if the information is inaccurate, incomplete, or out of date. We will respond to your request within 30 days and provide the information free of charge, except in exceptional circumstances.
Deletion and Restriction
You may request the deletion of your personal information, subject to certain legal and operational limitations. We may need to retain some information for regulatory compliance, fraud prevention, or legitimate business purposes.
Marketing Communications
You can opt out of receiving marketing communications at any time by clicking the unsubscribe link in our emails or contacting us directly. We will process your request promptly, though it may take up to 10 business days for the changes to take effect.
Data Portability
Where technically feasible, you may request a copy of your personal information in a structured, commonly used format. This allows you to transfer your data to another service provider if you choose.
6. Data Security and Protection
We implement comprehensive security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. Our security framework includes:
- 256-bit SSL encryption for all data transmissions
- Multi-factor authentication for account access
- Regular security audits and penetration testing
- Employee background checks and security training
- Secure data centers with physical access controls
- Regular software updates and security patches
- Incident response procedures and monitoring systems
While we strive to protect your personal information, no method of transmission over the internet or electronic storage is completely secure. We continuously review and update our security practices to address emerging threats and maintain the highest standards of data protection.
Data Breach Notification
In the unlikely event of a data breach that poses a risk to your privacy or safety, we will notify affected users and relevant authorities as required by Australian law, typically within 72 hours of discovering the breach.
7. Data Retention and Deletion
We retain your personal information only as long as necessary to fulfill the purposes outlined in this Privacy Policy or as required by applicable laws and regulations.
Retention Periods
| Information Type | Retention Period | Reason |
|---|---|---|
| Transaction Records | 7 years | Australian tax and financial regulations |
| Identity Documents | 7 years after account closure | Anti-Money Laundering compliance |
| Marketing Data | Until opt-out or 3 years of inactivity | Communication preferences |
| Website Analytics | 26 months | Performance analysis and improvement |
When personal information is no longer needed, we securely delete or anonymize it using industry-standard methods. Some information may be retained in backup systems for a limited time as part of our disaster recovery procedures.
8. International Data Transfers
Your personal information may be processed and stored in countries other than Australia, including the United States and European Union, where our service providers operate data centers and processing facilities.
When we transfer personal information internationally, we ensure appropriate safeguards are in place to protect your data, including:
- Contractual agreements that require equivalent privacy protection
- Certification under recognized privacy frameworks
- Compliance with Australian Privacy Principle 8.1
- Regular audits of international service providers
We only work with service providers who demonstrate strong privacy practices and agree to handle your information in accordance with this Privacy Policy and applicable Australian privacy laws.
9. Cookies and Tracking Technologies
Our website uses cookies and similar tracking technologies to enhance your browsing experience, analyze website traffic, and personalize content. You can control cookie settings through your browser preferences.
Types of Cookies We Use
- Essential cookies required for website functionality and security
- Analytics cookies to understand user behavior and improve our services
- Preference cookies to remember your settings and personalize your experience
- Marketing cookies to deliver relevant advertisements and measure campaign effectiveness
Most web browsers automatically accept cookies, but you can modify your browser settings to decline cookies if you prefer. Please note that disabling certain cookies may limit your ability to use some features of our website.
Contact Information
meravistola Privacy Officer
162 Shakespeare St, Mackay QLD 4740, Australia
Phone: +61 411 228 625
Email: info@meravistola.com
Privacy Inquiries: privacy@meravistola.com
If you have concerns about how we handle your personal information, you may also contact the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au or by phone at 1300 363 992.