Privacy Policy
At miralunent, we take your privacy seriously. This comprehensive policy explains how we collect, use, protect, and manage your personal information in accordance with Australian Privacy Principles and applicable privacy laws.
Information We Collect
We collect various types of information to provide you with our financial automation services and improve your experience with our platform.
Personal Information
Name, email address, phone number, residential address, date of birth, and identification documents required for account verification and compliance purposes.
Financial Information
Bank account details, transaction history, income information, and financial goals to enable our automation services and provide personalised recommendations.
Usage Information
How you interact with our platform, features used, session duration, device information, and preferences to enhance service delivery.
Communication Data
Records of your communications with our support team, feedback, and any other correspondence to improve customer service quality.
How We Use Your Information
Your information enables us to deliver effective financial automation services and maintain the security of your account.
- Provide and maintain our financial automation platform and related services
- Process transactions and manage your account settings and preferences
- Verify your identity and comply with Australian financial regulations
- Analyse usage patterns to improve platform functionality and user experience
- Send important account notifications, security alerts, and service updates
- Provide customer support and respond to your inquiries promptly
- Detect and prevent fraudulent activities and security breaches
- Generate insights and reports about your financial automation performance
Information Sharing and Disclosure
We maintain strict controls over how your information is shared and only disclose data when necessary for service delivery or legal compliance.
Service Providers
We work with trusted third-party service providers who assist in delivering our services. These include payment processors, cloud hosting providers, identity verification services, and customer support platforms. All service providers are bound by strict confidentiality agreements and data protection requirements.
Financial Institutions
To provide automated financial services, we securely connect with your nominated financial institutions. This connection is established through encrypted APIs and follows banking industry security standards.
Legal Requirements
We may disclose your information when required by Australian law, court order, or government request. This includes compliance with anti-money laundering regulations, tax reporting obligations, and law enforcement investigations.
Business Transfers
In the event of a merger, acquisition, or sale of assets, your information may be transferred to the new entity, subject to the same privacy protections outlined in this policy.
Your Privacy Rights
Under Australian privacy law, you have several important rights regarding your personal information:
You can request access to the personal information we hold about you, request corrections to inaccurate information, and in certain circumstances, request deletion of your data.
You also have the right to restrict processing, object to certain uses of your information, and receive a copy of your data in a portable format.
Data Security Measures
We employ multiple layers of security to protect your personal and financial information from unauthorised access, alteration, or disclosure.
Encryption
All data transmissions use industry-standard SSL/TLS encryption, and sensitive data is encrypted at rest using AES-256 encryption.
Access Controls
Strict access controls ensure only authorised personnel can access your information on a need-to-know basis.
Monitoring
Continuous monitoring systems detect and respond to potential security threats and unusual account activity.
Regular Audits
Independent security audits and penetration testing help identify and address potential vulnerabilities.
Data Retention and Deletion
We retain your information only as long as necessary to provide services and comply with legal obligations.
International Data Transfers
While we primarily store and process your data within Australia, some of our service providers may be located overseas. When international transfers occur, we ensure appropriate safeguards are in place.
Transfer Safeguards
- Adequacy decisions recognising equivalent privacy protection in destination countries
- Standard contractual clauses approved by relevant privacy authorities
- Binding corporate rules for multinational service providers
- Specific consent for transfers where other safeguards are not available
We regularly review our international transfer arrangements to ensure they meet current privacy standards and provide adequate protection for your personal information.
Cookies and Tracking Technologies
Our platform uses cookies and similar technologies to enhance functionality and analyse usage patterns.
Types of Cookies We Use
- Essential cookies required for platform functionality and security
- Performance cookies to analyse how our services are used and identify improvements
- Preference cookies to remember your settings and personalise your experience
- Third-party cookies from integrated services, subject to their own privacy policies
You can control cookie settings through your browser preferences, though disabling certain cookies may affect platform functionality.
Updates to This Policy
We may update this privacy policy periodically to reflect changes in our practices, services, or legal requirements. Material changes will be communicated through email notification and prominent website notices.
We encourage you to review this policy regularly to stay informed about how we protect your privacy. The effective date at the top of this policy indicates when the most recent version was published.
Continued use of our services after policy updates constitutes acceptance of the revised terms, unless you notify us otherwise or close your account.
Privacy Contact Information
If you have questions about this privacy policy, wish to exercise your privacy rights, or need to report a privacy concern, please contact us using the details below:
For complaints that cannot be resolved directly, you may contact the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au or by calling 1300 363 992.