Privacy Policy

Introduction

Welcome to qualorienvexo's Privacy Policy. This document explains how we collect, use, store, and protect your personal information when you visit our website at qualorienvexo.sbs or use our budgeting and financial services. We're committed to maintaining the highest standards of privacy protection while providing you with valuable financial tools and resources.

By accessing our website or using our services, you agree to the terms outlined in this privacy policy. We encourage you to read this document carefully and contact us if you have any questions about how we handle your personal data.

Information We Collect

We collect various types of information to provide and improve our financial services. The information we gather helps us personalize your experience and deliver relevant budgeting tools and educational content.

• Account registration information including username and encrypted password
• Financial data you voluntarily input into our budgeting tools
• Communication preferences and subscription settings
• Device information including IP address, browser type, and operating system
• Usage data such as pages visited, time spent on site, and feature interactions
• Cookies and tracking technologies for site functionality and analytics

We only collect information that's necessary for providing our services or as required by law. You can choose not to provide certain information, though this may limit your ability to use some features of our platform.

How We Use Your Information

Your information serves several important purposes that directly benefit your experience with qualorienvexo's financial services. We use your data responsibly and only for legitimate business purposes.

We also use aggregated, non-identifying data to improve our services, conduct research, and develop new features. This analysis helps us understand how users interact with our budgeting tools and identify areas for enhancement.

Data Sharing and Third Parties

qualorienvexo values your privacy and limits data sharing to essential business operations. We never sell your personal information to third parties or use it for purposes unrelated to our financial services.

Service Providers: We work with trusted third-party companies that help us deliver our services, including cloud hosting providers, email service providers, and analytics platforms. These partners are bound by strict confidentiality agreements and can only use your data for the specific services they provide to us.

Legal Requirements: We may disclose your information if required by law, court order, or government regulation. We'll notify you of such requests unless prohibited by law. In cases of company restructuring, merger, or acquisition, your data may be transferred to the new entity under the same privacy protections.

Your Privacy Rights

You have significant control over your personal information and how it's used. We've designed our systems to make it easy for you to exercise these rights.

To exercise any of these rights, simply contact us using the information provided at the end of this policy. We'll respond to your request within 30 days and may ask for identity verification to protect your privacy.

Data Security and Protection

Protecting your financial information is our top priority. We implement multiple layers of security to safeguard your data from unauthorized access, theft, or misuse.

• Industry-standard SSL encryption for all data transmission
• Regular security audits and penetration testing
• Multi-factor authentication for sensitive account operations
• Secure data centers with physical and digital access controls
• Employee training on data protection and privacy best practices
• Automated monitoring systems for suspicious activity detection

While we maintain robust security measures, no system is completely immune to risks. We encourage you to use strong passwords, keep your login credentials confidential, and report any suspicious activity immediately.

Data Retention and Deletion

We retain your personal information only for as long as necessary to provide our services and comply with legal obligations. Different types of data have different retention periods based on their purpose and legal requirements.

Account Data: Retained while your account is active and for up to 7 years after closure for legal and tax purposes. Financial transaction records may be kept longer as required by Malaysian financial regulations.

Marketing Data: Kept until you unsubscribe from our communications or request deletion. We maintain suppression lists to ensure we don't contact you again after unsubscribing.

Technical Data: Server logs and usage data are typically retained for 12 months for security and performance monitoring purposes, then automatically deleted.

International Data Transfers

As qualorienvexo operates from Malaysia and uses international service providers, your personal information may be transferred to and processed in countries outside Malaysia. We ensure these transfers comply with applicable data protection laws.

When transferring data internationally, we implement appropriate safeguards such as standard contractual clauses, adequacy decisions, or certification schemes to protect your information. Our primary data processing occurs within Malaysia, with limited transfers to trusted partners in countries with adequate data protection standards.

You have the right to request information about specific international transfers and the safeguards in place to protect your data during these transfers.

Children's Privacy

qualorienvexo's services are designed for adults aged 18 and older. We don't knowingly collect personal information from children under 18 years of age. If you're a parent or guardian and believe your child has provided us with personal information, please contact us immediately.

If we discover that we've collected personal information from a child under 18, we'll take immediate steps to delete such information from our systems and terminate any associated accounts.

Updates to This Privacy Policy

We may update this privacy policy periodically to reflect changes in our practices, services, or legal requirements. When we make significant changes, we'll notify you through your registered email address or by posting a prominent notice on our website.

We encourage you to review this policy regularly to stay informed about how we're protecting your information. Your continued use of our services after any updates constitutes acceptance of the revised policy.