Information We Collect

We collect different types of information depending on how you engage with our services. Here's what that actually looks like in practice:

Personal Information You Provide

When you register for our learning programs, contact us, or participate in events, we collect details like your name, email address, phone number, and postal address. If you're enrolling in paid programs, we'll also need payment information – though we don't store credit card details directly on our servers.

Automatically Collected Data

Like most websites, we gather technical information when you visit melthoriviax.com. This includes your IP address, browser type, device information, and how you navigate through our site. We use cookies and similar tracking technologies to understand user behaviour and improve your experience.

Educational Records

For participants in our financial research programs, we maintain records of course progress, assignment submissions, quiz results, and participation in discussions. This helps us provide personalised feedback and improve our educational offerings.

How We Use Your Information

Your data serves specific purposes that directly benefit your experience with our educational platform. We don't sell personal information to third parties.

• Program Delivery: We use your information to provide access to learning materials, track your progress, and facilitate interactions with instructors and fellow participants.
• Communication: We'll send you program updates, event invitations, and educational resources relevant to financial research methods. You can opt out of marketing communications at any time.
• Platform Improvement: Analysing how users interact with our content helps us refine our educational approach and fix technical issues.
• Administrative Purposes: Processing payments, maintaining records, and responding to your inquiries requires accessing your personal data.
• Legal Compliance: Sometimes we need to use information to meet regulatory requirements or protect our legal interests.

Data Sharing and Disclosure

We're selective about who gets access to your information. Here's the complete picture:

Service Providers

We work with trusted third-party vendors who help us operate our platform. This includes hosting providers, payment processors, email service platforms, and analytics tools. These providers only access data necessary to perform their specific functions and are contractually bound to protect your information.

Educational Partners

For some specialized programs, we collaborate with guest instructors or industry experts. They may receive limited access to participant information relevant to their teaching role, but they're required to maintain confidentiality.

Legal Requirements

We'll disclose personal information if required by Australian law, court order, or government regulation. This might happen in response to lawful requests from authorities or to protect our rights and safety.

Business Transfers

If melthoriviax undergoes a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. You'll be notified of any such change and how it affects your data.

We don't share your personal information with advertisers or data brokers. Period.

Your Privacy Rights

Under Australian privacy law, you have several rights regarding your personal information. And we've made it straightforward to exercise them.

Data Security Measures

We take reasonable steps to protect your information from unauthorised access, loss, or misuse. But let's be honest – no system is completely bulletproof.

Our security practices include encrypted data transmission using SSL/TLS protocols, secure authentication systems, regular security audits, and restricted access to personal information on a need-to-know basis. Our staff receives privacy training, and we maintain incident response procedures for potential breaches.

We use reputable hosting providers with robust security infrastructure, and payment processing is handled through PCI-DSS compliant third-party processors. We don't store full credit card numbers on our systems.

That said, internet transmission carries inherent risks. While we work hard to protect your data, we can't guarantee absolute security. You should use strong passwords, keep login credentials confidential, and notify us immediately if you suspect unauthorised access to your account.

Data Retention

We keep your information only as long as necessary for the purposes outlined in this policy or as required by law.

Active Participant Data

While you're enrolled in programs or actively using our services, we maintain your complete profile and educational records to support your learning journey.

Completed Program Records

After program completion, we retain educational records for seven years to comply with Australian education and financial record-keeping requirements. This includes certificates issued and assessment results.

Inactive Accounts

If you haven't engaged with our platform for three years, we'll send a reminder email. If there's no response within 90 days, we'll delete or anonymise your data, except for records we're legally required to keep.

Marketing Data

If you unsubscribe from marketing communications, we'll keep a record of your opt-out preference to ensure we don't contact you again. Basic contact details may be retained for up to two years after last contact.

You can request early deletion of your data at any time, subject to our legal obligations and legitimate business needs.

Cookies and Tracking Technologies

Our website uses cookies – small text files stored on your device – to improve functionality and understand how you use our platform.

Essential Cookies

These are necessary for basic website operation, like maintaining your login session and remembering your preferences. You can't disable these without breaking core functionality.

Analytics Cookies

We use analytics tools to understand visitor behaviour, identify popular content, and spot technical problems. This data is aggregated and doesn't personally identify you.

Preference Cookies

These remember your choices, such as language preferences or notification settings, making your experience more personalised.

Most browsers allow you to control cookies through settings. Blocking cookies may affect your ability to use certain features of our platform. You can learn more about cookie management through your browser's help documentation.

Third-Party Links

Our website occasionally links to external resources, research papers, or partner organisations. We're not responsible for the privacy practices of these third-party sites.

When you click a link that takes you off melthoriviax.com, you're subject to that site's privacy policy. We encourage you to review their practices before sharing personal information. Just because we link to something doesn't mean we endorse their data handling approaches.

Children's Privacy

Our services are designed for adults engaged in professional education. We don't knowingly collect information from individuals under 18 years of age.

If you're under 18 and interested in our programs, please have a parent or guardian contact us on your behalf. If we discover we've inadvertently collected data from someone under 18, we'll delete it promptly.

Changes to This Policy

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

The effective date at the top of this policy indicates when it was last revised. Continued use of our services after changes take effect means you accept the updated policy.

We maintain archived versions of previous policies, which you can request if you need to reference historical practices.

International Data Transfers

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

When we transfer data outside Australia, we ensure appropriate safeguards are in place, such as standard contractual clauses or verification that the receiving country has adequate privacy protections recognised by Australian law.

If you're accessing our services from outside Australia, please understand that your information will be transferred to and processed in Australia under Australian privacy law.

Privacy Complaints

If you believe we've mishandled your personal information or violated your privacy rights, we want to hear about it.

First, contact our privacy team at support@melthoriviax.com with details of your concern. We'll acknowledge your complaint within five business days and investigate thoroughly. You'll receive a detailed response within 30 days.

If you're not satisfied with our response, you have the right to lodge a complaint with the Office of the Australian Information Commissioner (OAIC). You can reach them at oaic.gov.au or call 1300 363 992.