Information We Collect

When you use mereloevira's services, we collect different types of information depending on how you interact with us. Some of this you provide directly, and some we gather automatically as you use our platform.

Information You Provide Directly

• Your name, email address, and contact details when you create an account
• Financial information you choose to input for budget tracking and expense management
• Payment details when you subscribe to premium features
• Communication preferences and any messages you send us
• Profile information and settings you configure within your account

Information Collected Automatically

• Device information including IP address, browser type, and operating system
• Usage data showing how you navigate and interact with our platform
• Technical data about your sessions, including timestamps and access patterns
• Cookies and similar tracking technologies to enhance your experience

How We Use Your Information

We use the information we collect for specific purposes that help us provide and improve our finance control services. Here's what we do with your data:

• Creating and maintaining your account with personalized settings
• Processing transactions and managing your subscription if you're a premium user
• Sending you important updates about our services and your account
• Improving our platform based on how people actually use it
• Providing customer support when you need help
• Detecting and preventing fraud or security issues
• Complying with legal obligations we're subject to in the UK

We don't use your financial data for marketing purposes, and we definitely don't sell it to third parties. Your budgets and expense information stay within our platform and are used solely to provide the service you signed up for.

Legal Basis for Processing

Under UK data protection law, we need a valid reason to process your personal information. Here's what we rely on:

Data Sharing and Third Parties

We keep your information within our systems as much as possible. But sometimes we need to share data with carefully selected partners who help us run our service. These partners are bound by strict confidentiality agreements and can only use your data for specific purposes we've authorized.

Who We Share With

• Cloud hosting providers who store our data securely in UK-based servers
• Payment processors when you subscribe to premium features
• Analytics providers who help us understand usage patterns (with anonymized data)
• Customer support tools that help us respond to your queries
• Professional advisors including lawyers and accountants when necessary

We'll also disclose information if required by law, such as responding to court orders or regulatory requests. And if mereloevira were ever acquired or merged with another company, your data would transfer to the new entity under the same privacy protections.

Your Rights Under UK Law

UK data protection law gives you significant control over your personal information. You have the right to:

• Access: Request a copy of all personal data we hold about you
• Rectification: Ask us to correct inaccurate or incomplete information
• Erasure: Request deletion of your data in certain circumstances
• Restriction: Limit how we process your information
• Portability: Receive your data in a structured, machine-readable format
• Object: Oppose processing based on legitimate interests or for marketing
• Withdraw Consent: Remove consent for processing that requires it

If you're unhappy with how we've handled your data, you can complain to the Information Commissioner's Office (ICO), the UK's data protection regulator. Visit ico.org.uk for more information.

Data Security Measures

Protecting your financial information is our priority. We use industry-standard security measures including:

• 256-bit encryption for data transmission and storage
• Regular security audits and penetration testing
• Multi-factor authentication options for account access
• Strict access controls limiting who can view your data internally
• Regular backups stored in secure, geographically diverse locations
• Continuous monitoring for suspicious activity or unauthorized access

Despite our best efforts, no system is completely secure. If we detect a data breach that affects your information, we'll notify you and the ICO within 72 hours as required by law.

Data Retention Periods

We don't keep your data longer than necessary. Here's how long we typically retain different types of information:

• Account information: Retained while your account is active plus 12 months after closure
• Financial transaction data: Kept for 7 years to comply with UK tax and accounting laws
• Usage and analytics data: Aggregated and anonymized after 24 months
• Marketing communications: Until you unsubscribe or request deletion
• Support correspondence: Maintained for 3 years for quality and training purposes

When data reaches the end of its retention period, we securely delete or anonymize it so it can't be linked back to you.

Cookies and Tracking

Like most websites, we use cookies and similar technologies. These are small text files stored on your device that help us remember your preferences and understand how you use our platform.

Types of Cookies We Use

• Essential cookies: Required for the platform to function, including login and security features
• Functional cookies: Remember your preferences and settings
• Analytics cookies: Help us understand how people use our service
• Performance cookies: Monitor system performance and identify issues

You can control cookies through your browser settings, though disabling certain cookies might affect how our platform works for you.

International Data Transfers

We primarily store and process data within the United Kingdom. However, some of our service providers operate in other countries. When we transfer data internationally, we ensure adequate protections are in place:

• Using providers in countries with UK adequacy decisions
• Implementing Standard Contractual Clauses approved by UK authorities
• Ensuring additional security measures for transfers to countries without adequacy decisions

We regularly review our international transfers to make sure your data remains protected to UK standards wherever it goes.

Children's Privacy

mereloevira's services aren't intended for children under 16. We don't knowingly collect personal information from children. If you believe we've inadvertently collected data from a child, contact us immediately and we'll delete it.

Changes to This Policy

We update this privacy policy occasionally to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you by email or through a prominent notice on our platform. The "last updated" date at the top shows when the current version took effect.

Continuing to use mereloevira after we update this policy means you accept the changes. If you disagree with any updates, you can close your account before they take effect.