Information We Collect

Running a financial service means we need certain information to help you manage your cash flow effectively. Here's what we collect and why it matters:

Account Information

When you create an account with mescariovent, we collect basic details like your name, email address, phone number, and business information. We also need your Australian Business Number (ABN) if you're operating a business. This helps us verify your identity and comply with Australian financial regulations.

Financial Data

To provide cash flow management services, we collect information about your transactions, bank account details, and payment history. You control what financial accounts you connect to mescariovent. We never access more than what's necessary to give you accurate cash flow projections.

Usage Information

We track how you interact with our platform – which features you use most, when you log in, what reports you generate. This helps us improve the service and spot any unusual activity that might indicate a security issue.

Device and Technical Data

Like most online services, we collect technical information including your IP address, browser type, operating system, and device identifiers. This data helps us keep the platform secure and working smoothly across different devices.

How We Use Your Information

We're not in the business of selling your data. Everything we collect serves a specific purpose related to providing and improving our service.

We also use aggregated, anonymized data to understand how people use mescariovent overall. This might inform product decisions, but it never includes personally identifiable information.

If we want to use your information for marketing purposes – like sending tips about cash flow management or new features – we'll ask for your permission first. You can opt out anytime.

Legal Basis for Processing (Australian Privacy Principles)

Under the Privacy Act 1988 and the Australian Privacy Principles (APPs), we process your personal information based on:

• Consent: When you sign up and agree to our terms, you're giving us permission to process your data as described here
• Contract Performance: We need certain information to deliver the cash flow management services you've signed up for
• Legal Obligations: Australian financial regulations require us to collect and retain specific information
• Legitimate Interests: We process some data to improve our service, prevent fraud, and keep the platform secure

How We Share Your Information

We keep your data close. But there are a few situations where we share information with trusted partners:

Service Providers

We work with companies that help us run mescariovent – cloud hosting providers, payment processors, customer support tools. These partners only access the minimum data needed to perform their specific function, and they're contractually bound to protect your information.

Financial Institutions

When you connect your bank accounts to mescariovent, we use secure banking APIs to retrieve transaction data. We don't share your mescariovent account information with your bank unless you specifically authorize it.

Legal Requirements

Sometimes we're legally required to disclose information – in response to a valid court order, to comply with Australian tax laws, or when necessary to prevent fraud or protect someone's safety.

Business Transfers

If mescariovent is acquired or merges with another company, your information would transfer to the new entity. We'd notify you before this happens and explain any changes to how your data is handled.

We never sell your personal information to third parties. Period.

Data Security Measures

Protecting your financial information is something we take extremely seriously. Here's how we do it:

• Encryption: All data transmitted to and from mescariovent is encrypted using industry-standard TLS protocols. Sensitive data at rest is encrypted using AES-256 encryption
• Access Controls: Only authorized personnel can access user data, and they can only access what's necessary for their role
• Regular Security Audits: We conduct regular security assessments and penetration testing to identify and fix vulnerabilities
• Secure Infrastructure: We host mescariovent on secure Australian data centers with physical security measures and redundant systems
• Authentication: We support two-factor authentication and encourage all users to enable it
• Monitoring: We actively monitor for suspicious activity and unauthorized access attempts

No system is completely secure, but we work hard to protect your information using best practices and staying current with security standards.

Data Retention and Deletion

We keep your information as long as your account is active and for a period afterward to meet legal requirements.

When you close your account, we'll delete or anonymize your personal information within 30 days, except where we're required to retain records for legal or regulatory purposes. You can request early deletion of specific data by contacting us.

Your Rights and Choices

Your data belongs to you. Under Australian privacy law, you have several rights regarding your personal information:

Access Your Data

You can request a copy of all personal information we hold about you. We'll provide this in a structured, commonly used format within 30 days. There's no charge for this unless your request is excessive or repetitive.

Correct Inaccurate Information

If any of your personal information is wrong or outdated, you can update it directly in your account settings or ask us to correct it.

Delete Your Data

You can request deletion of your personal information. We'll comply unless we have a legal obligation to retain certain records (like transaction history for tax purposes).

Restrict Processing

You can ask us to limit how we use your information in certain circumstances – for example, if you're disputing the accuracy of your data.

Data Portability

You can request your data in a machine-readable format to transfer to another service.

Withdraw Consent

If we're processing your data based on consent (like for marketing), you can withdraw that consent anytime.

Lodge a Complaint

If you're unhappy with how we've handled your personal information, you can lodge a complaint with us or directly with the Office of the Australian Information Commissioner (OAIC).

Cookies and Tracking Technologies

mescariovent uses cookies and similar technologies to make the service work and to understand how people use it.

Essential Cookies

These are necessary for basic functionality – keeping you logged in, remembering your preferences, maintaining security. You can't opt out of these if you want to use mescariovent.

Analytics Cookies

We use analytics tools to understand how people interact with mescariovent. This helps us identify which features are useful and where people get stuck. These cookies don't identify you personally – they just track patterns and trends.

Your Cookie Choices

You can control cookies through your browser settings. Keep in mind that blocking certain cookies might affect how mescariovent works. We don't use advertising cookies or third-party tracking for marketing purposes.

International Data Transfers

mescariovent primarily operates within Australia, and we store your data in Australian data centers. However, some of our service providers are located overseas, which means your information might occasionally be transferred internationally.

When this happens, we ensure these transfers comply with Australian privacy law. We use standard contractual clauses and only work with providers who maintain adequate data protection standards.

If you're accessing mescariovent from outside Australia, your information will be transferred to and processed in Australia. By using our service, you consent to this transfer.

Children's Privacy

mescariovent is designed for business use and isn't intended for anyone under 18. We don't knowingly collect information from children. If we discover we've collected information from someone under 18, we'll delete it promptly.

Changes to This Policy

We update this privacy policy occasionally to reflect changes in our practices, legal requirements, or service features. When we make significant changes, we'll notify you by email and through a prominent notice in the mescariovent platform.

The "Last Updated" date at the top tells you when we last revised this policy. We encourage you to review it periodically to stay informed about how we protect your information.

If you continue using mescariovent after changes take effect, that means you accept the updated policy. If you disagree with the changes, you can close your account.

Third-Party Services

mescariovent integrates with various third-party financial services and tools. When you connect these services, you're also subject to their privacy policies. We recommend reviewing their policies to understand how they handle your information.

We're not responsible for the privacy practices of these third-party services. Any data you share directly with them is governed by their policies, not ours.