Privacy Policy

Your privacy matters to us. This policy explains how maleronivosae collects, uses, and protects your personal information when you use our investment analysis and strategy services.

Last updated: March 15, 2025

Information We Collect

We collect information that helps us provide personalised investment analysis and educational services. This includes several categories of personal information that we gather through different interactions with our services.

Personal Information You Provide

  • Contact Details: Name, email address, phone number, and postal address when you register for our learning programs or contact us
  • Financial Information: Investment goals, risk tolerance, current financial situation, and investment experience level for tailored analysis
  • Account Information: Username, password, and account preferences when you create an account with us
  • Communication Records: Messages, emails, and phone conversations when you communicate with our team
  • Educational Background: Previous investment education, professional qualifications, and learning objectives for our programs

Information We Collect Automatically

  • Usage Data: Pages visited, time spent on our website, and interaction patterns with our educational materials
  • Technical Information: IP address, browser type, device information, and operating system details
  • Cookies and Tracking: We use cookies to remember your preferences and improve your experience on our website
  • Location Data: General location information to comply with Australian financial services regulations

Important: We only collect information that's necessary to provide our investment education and analysis services. You can choose not to provide certain information, though this may limit our ability to offer personalised services.

How We Use Your Information

Your information helps us deliver valuable investment education and analysis services tailored to your specific needs and circumstances. We're transparent about how we use the data you share with us.

Purpose Information Used Legal Basis
Provide investment analysis services Financial information, contact details, usage data Contract performance
Deliver educational programs Educational background, learning objectives, progress tracking Contract performance
Customer support and communication Contact details, communication records, account information Contract performance
Improve our services and website Usage data, technical information, feedback Legitimate interests
Comply with legal obligations Identity verification, transaction records, location data Legal compliance

Personalisation and Analysis

We use your financial information and learning objectives to create personalised investment strategies and educational content. This includes analysing your risk tolerance, investment timeline, and financial goals to provide relevant recommendations and learning materials.

Our analysis helps you understand market trends, investment opportunities, and potential risks based on your individual circumstances and experience level.

Communication and Updates

We may contact you about your account, provide updates on market conditions relevant to your interests, and share educational content that matches your learning objectives. You can control these communications through your account settings.

Information Sharing and Disclosure

We respect your privacy and don't sell your personal information to third parties. However, there are specific circumstances where we may share your information to provide our services effectively and comply with legal requirements.

Service Providers and Partners

  • Technology Providers: Cloud hosting services, email platforms, and analytics tools that help us operate our website and services
  • Payment Processors: Secure payment systems for processing program fees and subscription payments
  • Educational Partners: Accredited institutions and professional bodies when you participate in certified programs
  • Communication Services: Email and SMS providers for sending you updates, educational content, and account information

All service providers are contractually required to protect your information and use it only for the specific services they provide to us.

Legal and Regulatory Requirements

We may disclose your information when required by Australian law, including:

  • Compliance with Australian Securities and Investments Commission (ASIC) regulations
  • Response to court orders, subpoenas, or other legal processes
  • Investigation of suspected fraud or other illegal activities
  • Protection of our rights, property, or safety, or that of our users

Business Transfers: If maleronivosae is acquired by or merged with another company, your information may be transferred as part of that transaction. We'll notify you before your information is transferred and becomes subject to a different privacy policy.

Data Security and Protection

Protecting your information is fundamental to our operations. We implement comprehensive security measures to safeguard your personal and financial data against unauthorised access, disclosure, or misuse.

Technical Safeguards

  • Encryption: All sensitive data is encrypted both in transit and at rest using industry-standard AES-256 encryption
  • Secure Connections: Our website uses SSL/TLS certificates to ensure secure data transmission
  • Access Controls: Multi-factor authentication and role-based access restrictions limit who can view your information
  • Regular Updates: Our systems receive regular security updates and patches to address potential vulnerabilities
  • Monitoring: Continuous monitoring systems detect and respond to potential security threats

Operational Security

  • Staff Training: All team members receive regular privacy and security training
  • Background Checks: Comprehensive background checks for all staff with access to personal information
  • Incident Response: Established procedures for responding to security incidents or data breaches
  • Regular Audits: Independent security audits and assessments to identify and address potential risks

Your Role in Security

You can help protect your information by:

  • Using strong, unique passwords for your account
  • Enabling two-factor authentication where available
  • Logging out of your account when using shared computers
  • Reporting any suspicious account activity immediately

Data Breach Notification: In the unlikely event of a data breach that may affect your personal information, we'll notify you within 72 hours as required by Australian privacy law and provide guidance on protective steps you can take.

Your Privacy Rights

Under Australian privacy law, you have important rights regarding your personal information. We're committed to making it easy for you to exercise these rights and maintain control over your data.

Access and Information Rights

  • Access: Request copies of the personal information we hold about you
  • Correction: Ask us to correct inaccurate or incomplete information
  • Information about use: Understand how we're using your information and who we've shared it with
  • Source information: Learn where we obtained your information if you didn't provide it directly

Control and Deletion Rights

  • Deletion: Request deletion of your personal information, subject to legal and contractual requirements
  • Restriction: Limit how we process your information in certain circumstances
  • Opt-out: Withdraw consent for marketing communications and optional data processing
  • Portability: Request your information in a portable format for transfer to another service

How to Exercise Your Rights

To exercise any of these rights, contact us using the details below:

  • Email: info@maleronivosae.com with "Privacy Request" in the subject line
  • Phone: +61419003200
  • Post: Privacy Officer, maleronivosae, L1/33 Allara St, Canberra ACT 2601

We'll respond to your request within 30 days and may need to verify your identity before processing certain requests.

Complaints Process

If you're not satisfied with how we've handled your privacy request or have concerns about our privacy practices, you can:

  • Lodge a complaint with us directly using the contact details above
  • Contact the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au
  • Call the OAIC enquiries line on 1300 363 992

Data Retention and Deletion

We only keep your personal information for as long as necessary to provide our services and meet our legal obligations. Our retention periods vary depending on the type of information and how it's used.

Information Type Retention Period Reason
Account information While account is active plus 7 years Service provision and financial records requirements
Financial advice records 7 years from last advice ASIC regulatory requirements
Educational program records 5 years after completion Certification and qualification verification
Marketing communications Until opt-out plus 3 years Compliance with anti-spam regulations
Website usage data 24 months Service improvement and analytics

Automatic Deletion

We have automated systems that regularly review and delete information that's no longer needed. This includes:

  • Temporary files and logs that exceed our retention periods
  • Marketing data for individuals who have opted out
  • Old backup copies containing expired information
  • Session data and temporary authentication tokens

Secure Deletion Process

When we delete your information, we use secure deletion methods to ensure it cannot be recovered:

  • Digital files are overwritten multiple times before deletion
  • Database records are permanently purged from all systems
  • Backup systems are updated to remove deleted information
  • Physical documents are shredded using cross-cut shredders

Exception: Some information may be retained longer if required by law, for legitimate business purposes such as fraud prevention, or to resolve disputes. We'll only keep such information for the minimum period necessary.

International Data Transfers

While we primarily store your information in Australia, some of our service providers may process your information overseas. We ensure appropriate safeguards are in place for any international transfers.

Countries and Regions

Your information may be transferred to and processed in:

  • United States: Cloud hosting services and email platforms with Australian data residency options
  • European Union: Customer support systems and analytics tools with GDPR compliance
  • Singapore: Regional data centres providing backup and disaster recovery services

Transfer Safeguards

We ensure all international transfers include appropriate protections:

  • Contractual Safeguards: Standard contractual clauses approved by Australian privacy authorities
  • Certification Programs: Service providers with recognised privacy certifications
  • Data Processing Agreements: Specific terms governing how your information is handled overseas
  • Regular Audits: Ongoing compliance monitoring of international service providers

Your Options

If you prefer your information not to be transferred overseas, you can:

  • Request local data processing where technically feasible
  • Choose services that don't require international transfers
  • Contact us to discuss alternative arrangements for your specific needs

However, limiting international transfers may affect our ability to provide certain services or features.

Contact Our Privacy Team

Have questions about this privacy policy or how we handle your information? Our privacy team is here to help.

Privacy Officer
maleronivosae
L1/33 Allara St, Canberra ACT 2601, Australia

Email: info@maleronivosae.com
Phone: +61419003200

We aim to respond to all privacy inquiries within 5 business days.