Privacy Policy

Information We Collect

When you use meranthylo's working capital analysis services, we collect information that helps us provide better financial insights. This includes details you provide directly and information gathered through your interactions with our platform.

How We Use Your Information

Your information helps us deliver accurate working capital analysis and maintain the quality of our financial services. We're transparent about how we use what you share with us.

1. Providing working capital analysis reports and financial insights tailored to your business needs
2. Processing your requests for consultations, support, and additional financial services
3. Improving our analysis algorithms and developing new features for better financial reporting
4. Sending important updates about your account, service changes, and relevant financial insights
5. Ensuring platform security and preventing fraudulent activities or unauthorized access

Information Sharing and Disclosure

meranthylo takes a careful approach to sharing information. We don't sell your personal data to third parties, and we only share information when it's necessary for our services or required by law.

We may share your information with trusted service providers who help us deliver our working capital analysis services, including cloud storage providers, payment processors, and data analytics partners. These providers are bound by strict confidentiality agreements and can only use your information for the specific services they provide to meranthylo.

In certain situations, we might need to disclose information to comply with Australian legal requirements, respond to court orders, or protect our rights and the safety of our users. We'll notify you about such disclosures when legally permitted.

Your Privacy Rights

Under Australian privacy law, you have several important rights regarding your personal information. We've made it straightforward to exercise these rights through clear processes.

To exercise any of these rights, contact us using the details provided at the end of this policy. We'll respond to your request within 30 days and may need to verify your identity before processing certain requests.

Data Security and Protection

Protecting your financial information is fundamental to everything we do at meranthylo. We've implemented comprehensive security measures that reflect the sensitive nature of working capital data.

Our security approach includes encryption of data both in transit and at rest, regular security audits by independent experts, multi-factor authentication for account access, and strict access controls that limit who can view your information. We also maintain secure backup systems and have incident response procedures ready if any security issues arise.

While we take extensive precautions, no system is completely immune to security risks. We continuously monitor for potential threats and update our security measures to address emerging challenges in data protection.

Data Retention and Deletion

We keep your information only as long as necessary to provide our services and meet legal requirements. Different types of information have different retention periods based on their purpose and legal obligations.

Financial analysis data is typically retained for seven years to comply with Australian business record-keeping requirements. Account information remains active while you use our services and for two years after account closure. Communication records are kept for three years to help resolve any service issues that might arise.

When retention periods expire, we securely delete information using industry-standard data destruction methods. You can request early deletion of certain information, though some data might need to be retained for legal compliance.

International Data Transfers

meranthylo primarily processes your information within Australia, but some of our trusted service providers operate internationally. When we transfer information overseas, we ensure appropriate safeguards are in place.

Any international transfers comply with Australian Privacy Principles, including requirements for adequate protection in destination countries or appropriate contractual safeguards. We maintain records of all international transfers and can provide details upon request.

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to improve your experience and help us understand how you interact with our services. These tools help us remember your preferences, keep you logged in, and provide relevant content.

You can control cookie settings through your browser, though disabling certain cookies might affect some website functionality. We use both first-party cookies (set by meranthylo) and third-party cookies (set by our service providers) for analytics and performance monitoring.

Changes to This Policy

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

Minor updates might be made without specific notification, so we encourage you to review this policy periodically. The effective date at the bottom shows when the current version was last updated.