Privacy Policy
Your privacy matters to us at qelarthonuvia
Introduction
qelarthonuvia ("we," "our," or "us") is committed to protecting your privacy and ensuring transparency in how we collect, use, and safeguard your personal information. This Privacy Policy explains our practices regarding the personal data we collect through our website at qelarthonuvia.org and our budget adjustment strategies platform.
We understand that managing your finances requires trust, and we take that responsibility seriously. This policy has been designed to comply with Malaysia's Personal Data Protection Act 2010 (PDPA) and international privacy standards to ensure your data receives the highest level of protection.
Information We Collect
We collect information that you provide directly to us, as well as information that is automatically generated when you interact with our platform. Understanding what data we collect helps you make informed decisions about sharing information with us.
- Personal Information: Name, email address, phone number, and mailing address when you register for our services or contact us
- Financial Information: Budget data, expense categories, income ranges, and financial goals that you choose to input into our platform
- Technical Information: IP address, browser type, device information, and usage patterns on our website
- Communication Data: Records of your interactions with our customer support team and any feedback you provide
- Marketing Preferences: Your choices regarding communications and promotional materials
Important Note: We never collect sensitive financial account numbers, passwords, or banking credentials. Our platform focuses on budget planning and financial education rather than direct account access.
How We Use Your Information
Your information helps us provide personalized budget adjustment strategies and improve our services. We use your data responsibly and only for legitimate business purposes that benefit your experience with our platform.
| Purpose | Data Used | Legal Basis |
|---|---|---|
| Service Delivery | Personal and financial data | Contract performance |
| Customer Support | Contact information and communication records | Legitimate interest |
| Platform Improvement | Usage data and technical information | Legitimate interest |
| Security Protection | All collected data as necessary | Legal obligation |
Data Sharing and Third Parties
We maintain strict control over your personal information and limit sharing to essential service providers who help us deliver our platform. We never sell your personal data to third parties or use it for purposes unrelated to our financial education services.
Service Providers: We work with carefully selected companies that provide hosting, analytics, customer support, and email delivery services. These providers 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 when required by law, such as in response to valid legal requests from authorities or to protect our rights and the safety of our users.
Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction, but will remain subject to the protections outlined in this privacy policy.
Your Privacy Rights
Under Malaysia's Personal Data Protection Act and international privacy standards, you have several important rights regarding your personal information. We've designed easy processes to help you exercise these rights.
Access Your Data
Request a copy of all personal information we hold about you, including how it's being used and who it's shared with.
Correct Information
Update or correct any inaccurate personal information in your account at any time through your dashboard or by contacting us.
Delete Your Data
Request deletion of your personal information, subject to legal requirements and legitimate business needs for record-keeping.
Portable Data
Receive your personal data in a structured, commonly used format that you can transfer to another service provider.
Opt-Out Options
Withdraw consent for marketing communications or certain data processing activities at any time through your account settings.
Restrict Processing
Limit how we process your information in certain circumstances, such as while we verify the accuracy of disputed data.
How to Exercise Your Rights: Contact our privacy team at info@qelarthonuvia.org with your request. We'll respond within 30 days and may need to verify your identity before processing certain requests. There's no charge for most requests, though we may apply a reasonable fee for excessive or repetitive requests.
Data Security and Protection
We implement comprehensive security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. Our security practices are regularly reviewed and updated to address emerging threats and maintain the highest standards of data protection.
- Encryption: All data transmissions use industry-standard SSL/TLS encryption, and sensitive data is encrypted when stored
- Access Controls: Strict employee access policies ensure only authorized personnel can access personal information on a need-to-know basis
- Regular Audits: We conduct periodic security assessments and vulnerability testing to identify and address potential risks
- Secure Infrastructure: Our servers are hosted in secure facilities with multiple layers of physical and digital protection
- Incident Response: We maintain detailed procedures for detecting, responding to, and reporting any potential data breaches
While we implement strong security measures, no system is completely immune to threats. We encourage you to use strong passwords, keep your login credentials confidential, and notify us immediately if you suspect any unauthorized access to your account.
Data Retention and Deletion
We retain your personal information only as long as necessary to provide our services and fulfill the purposes outlined in this privacy policy. Our retention periods are based on business needs, legal requirements, and your relationship with our platform.
Active Accounts: Personal and financial data for active accounts is retained while you use our services and for up to 2 years after your last login to allow for account reactivation.
Closed Accounts: When you close your account, we delete most personal information within 90 days. Some data may be retained longer for legal compliance, fraud prevention, or legitimate business purposes.
Financial Records: Certain financial information may be retained for up to 7 years to comply with Malaysia's accounting and tax record requirements.
Marketing Data: Contact information for marketing purposes is retained until you opt out or for a maximum of 3 years from your last interaction with our communications.
International Data Transfers
As a Malaysia-based company, we primarily store and process your data within Malaysia. However, some of our service providers may be located in other countries, which means your information might be transferred internationally in certain circumstances.
When we transfer data internationally, we ensure adequate protection through approved mechanisms such as standard contractual clauses, adequacy decisions, or other legally recognized safeguards. These measures ensure your data receives protection equivalent to what's provided under Malaysia's Personal Data Protection Act.
We regularly review our international data transfer practices and work only with service providers who demonstrate strong privacy protections and comply with applicable international privacy frameworks.
Cookies and Tracking Technologies
We use cookies and similar technologies to enhance your experience on our website, analyze usage patterns, and provide personalized content. You have control over how these technologies are used through your browser settings and our cookie preferences center.
- Essential Cookies: Required for basic website functionality, security, and user authentication - these cannot be disabled
- Analytics Cookies: Help us understand how visitors use our website to improve performance and user experience
- Preference Cookies: Remember your settings and preferences to provide a more personalized experience
- Marketing Cookies: Used to deliver relevant advertisements and measure the effectiveness of marketing campaigns
You can manage cookie preferences through your browser settings or our cookie banner that appears when you first visit our site. Disabling certain cookies may limit some website functionality, but essential features will continue to work.
Children's Privacy
Our services are designed for adults aged 18 and over who are managing their personal finances. We do not knowingly collect personal information from children under 18 years of age without parental consent.
If you believe we have inadvertently collected information from a child under 18, please contact us immediately at info@qelarthonuvia.org. We will take prompt steps to delete such information and terminate any associated accounts.
Parents and guardians who wish to review, modify, or delete their child's information may contact us using the details provided in this policy. We are committed to protecting children's privacy and complying with applicable laws regarding minors' personal data.
Changes to This Privacy Policy
We may update this Privacy Policy periodically to reflect changes in our practices, technology, legal requirements, or other factors. We encourage you to review this policy regularly to stay informed about how we protect your information.
Notice of Changes: We will notify you of significant changes through email, website notifications, or other appropriate channels at least 30 days before they take effect.
Continued Use: Your continued use of our services after policy changes indicates acceptance of the updated terms. If you disagree with changes, you may close your account before they take effect.
Version History: Previous versions of this policy are available upon request for transparency and reference purposes.
Privacy Questions and Contact Information
If you have questions about this Privacy Policy or our data practices, we're here to help. Our privacy team is committed to addressing your concerns promptly and transparently.
Email: info@qelarthonuvia.org
Phone: +6073349649
Mailing Address:
qelarthonuvia Privacy Department
15, Jalan Tenaga, Rapat Setia
31350 Ipoh, Negeri Perak
Malaysia
We aim to respond to all privacy inquiries within 5 business days and will work with you to resolve any concerns about your personal information.