Effective Date: 01/04/2017  

- Personal Data: Name, email, phone number, date of birth, government-issued ID (for KYC), payment details (credit card, bank account).  

- Technical Data: IP address, device type, browser, location, cookies, and usage patterns.  

- Investment Activity: Plan selections (Basic/Intermediate/Premium), transaction history, risk tolerance, and communication records.  

2. How We Use Your Information  

- To create and manage your account, process investments, and verify identity.  

- To communicate updates about your plan, returns, or policy changes.  

- To improve services via analytics, fraud prevention, and personalized marketing (e.g., tailored plan recommendations).  

- To comply with legal obligations (tax reporting, anti-money laundering laws).  

3. Data Sharing  

We may share your information with:  

- Financial Institutions: Payment processors (e.g., Stripe, PayPal) to complete transactions.  

- Regulatory Authorities: As required by law (e.g., SEC, FINRA).  

- Service Providers: Cloud storage, customer support tools, and analytics platforms (e.g., AWS, Zendesk).  

- Affiliates: Only for internal business purposes.  

We never sell your data to third-party advertisers.  

4. Data Retention  

We retain your information:  

- For as long as your account is active.  

- Up to 7 years after account closure to comply with financial regulations.  

- Technical data (e.g., cookies) is stored for 2 years unless deleted earlier.  

5. International Data Transfers  

Your data may be transferred to and processed in countries outside your residence (e.g., U.S. or EU servers). We ensure safeguards like GDPR-compliant Standard Contractual Clauses (SCCs).  

6. Your Rights  

- Access/Portability: Request a copy of your data.  

- Correction: Update inaccurate details.  

- Deletion: Erase your data (restrictions apply for legal compliance).  

- Opt-Out: Unsubscribe from marketing emails (via link in emails).  

- Restrict Processing: Limit how we use your data.  

To exercise these rights, contact  contact@melvinsfirstlimited.com.  

7. Security Measures  

- Encryption: AES-256 for data storage and SSL/TLS for transmissions.  

- Authentication: Two-factor authentication (2FA) for account access.  

- Audits: Regular penetration testing and vulnerability assessments.  

8. Cookies & Tracking  

- Essential Cookies: Required for account login and transactions.  

- Analytical Cookies: Track site usage via tools like Google Analytics.  

- Advertising Cookies: Retargeting ads (manage preferences via browser settings).  

9. Children’s Privacy  

We do not knowingly collect data from users under 18. Contact us immediately if a minor has provided information.  

10. Policy Updates  

We will notify you of material changes via email or in-app alerts. Continued use constitutes acceptance.  

11. Contact Us  

For questions or complaints:  

Email: support@melvinsfirstlimited.com  

Address: 4137 Hemlock Lane TX, Rio Grande City, 78582 United States.