At melotharivane, we collect information that helps us provide better savings strategies and financial education services to Canadian users. When you create an account or use our platform, we gather personal details like your name, email address, and contact information. We also collect financial preferences and goals you share with us to personalize your experience.

Our platform automatically collects technical information including your IP address, browser type, device information, and how you interact with our website. This data helps us understand user behavior patterns and improve our services. We use cookies and similar tracking technologies to remember your preferences and provide a more seamless experience.

• Personal identification information including name, email, phone number, and mailing address
• Financial information such as savings goals, income ranges, and investment preferences
• Technical data including IP addresses, browser information, and usage analytics
• Communication records when you contact our support team or participate in surveys
• Location data to provide relevant financial advice based on Canadian regulations

We use your personal information primarily to deliver personalized savings strategies and educational content tailored to your financial goals. Your data helps us create customized learning paths, recommend relevant resources, and track your progress through our educational programs. We analyze user patterns to continuously improve our platform and develop new features that benefit our community.

Communication is another important use of your information. We send you account updates, educational newsletters, and notifications about new features or changes to our services. We also use your contact details to provide customer support when you need assistance. Marketing communications are sent only to users who have opted in to receive them.

melotharivane does not sell your personal information to third parties. We only share your data in specific circumstances that directly benefit your experience or are required by law. When we work with trusted service providers like payment processors, email delivery services, or analytics platforms, we ensure they meet our strict privacy standards and only access the minimum information necessary.

In cases where we partner with financial institutions or educational organizations to enhance our services, we obtain explicit consent before sharing any personal information. We may disclose information if required by Canadian law, court orders, or to protect the safety and security of our users and platform.

• Service providers who help operate our platform under strict confidentiality agreements
• Financial partners when you explicitly request their services through our platform
• Legal authorities when required by Canadian federal or provincial laws
• Professional advisors including lawyers and accountants bound by confidentiality

Under Canada's Personal Information Protection and Electronic Documents Act (PIPEDA) and provincial privacy legislation, you have significant rights regarding your personal information. You can request access to all personal data we hold about you, including how we use it and who we share it with. You also have the right to correct any inaccurate information in our records.

You can withdraw consent for certain uses of your information at any time, though this may affect your ability to use some features of our platform. In certain circumstances, you have the right to request deletion of your personal information, subject to legal and operational requirements.

We implement comprehensive security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. Our systems use industry-standard encryption for data transmission and storage, including SSL certificates for all web communications and AES-256 encryption for stored data.

Our security practices include regular vulnerability assessments, employee training on data protection, and restricted access controls ensuring only authorized personnel can access your information. We maintain physical security for our servers and conduct regular backups to prevent data loss.

• End-to-end encryption for all sensitive data transmission and storage
• Multi-factor authentication for administrative access to user data
• Regular security audits and penetration testing by third-party experts
• Secure data centers with 24/7 monitoring and physical access controls
• Employee background checks and ongoing privacy training programs

We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected and to comply with legal requirements. Account information is typically retained for the duration of your active membership plus seven years for financial record-keeping purposes as required by Canadian tax and business regulations.

When you close your account, we begin our deletion process within 30 days. However, some information may be retained longer for legal compliance, dispute resolution, or fraud prevention. We automatically delete inactive accounts after five years of no user activity, following appropriate notice to the registered email address.

Our website uses cookies and similar technologies to enhance your browsing experience and provide personalized content. Essential cookies are necessary for basic website functionality, including user authentication and security features. These cannot be disabled without affecting core platform operations.

We also use analytics cookies to understand how users interact with our platform, helping us improve navigation and content relevance. Marketing cookies help us deliver relevant educational content and measure the effectiveness of our outreach efforts. You can control non-essential cookies through your browser settings or our cookie preference center.

• Essential cookies for login authentication and security protection
• Performance cookies to analyze website usage and optimize loading speeds
• Functional cookies to remember your preferences and personalized settings
• Analytics cookies to understand user behavior and improve our services

We may update this privacy policy periodically to reflect changes in our practices, technology, legal requirements, or business operations. When we make significant changes, we will notify active users via email and prominently display the updated policy on our website for at least 30 days before the changes take effect.

Minor updates, such as clarifications or contact information changes, will be posted on our website with an updated effective date. We encourage you to review this policy regularly to stay informed about how we protect your privacy. Your continued use of our services after policy updates constitutes acceptance of the revised terms.