Privacy Policy

Our Privacy Commitment

At Xenoluraviaq, we take your privacy seriously and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, and safeguard your data when you use our financial planning services.

We adhere to Malaysia's Personal Data Protection Act 2010 (PDPA) and maintain strict confidentiality standards for all client information.

Information We Collect

We collect information that you provide directly and data about how you use our services:

Personal Information

• Contact details (name, email address, phone number, postal address)
• Financial information necessary for planning consultations (income, assets, goals)
• Communication preferences and subscription details

Usage Data

• Website interaction data, including pages visited and time spent
• Device information and browser type for technical optimization
• Communication records for service quality and consultation follow-up

How We Use Your Information

We use collected information for the following purposes:

• Providing personalized financial planning consultations and ongoing support
• Processing subscription payments and managing your account
• Improving our services and website functionality based on usage patterns
• Communicating important updates about your subscription and our services

Legal Basis for Processing

Under Malaysian law, we process your personal data based on:

Legal Basis: We process your data on the basis of consent for marketing communications and legitimate interest for service delivery.

Data Sharing and Disclosure

We limit data sharing to specific circumstances:

• Trusted service providers who assist with payment processing and website operations
• Legal authorities when required by Malaysian law or court orders
• Professional advisors bound by confidentiality obligations for business operations

Data Security

We implement industry-standard security measures including encryption, secure servers, and access controls to protect your personal information. However, no system can guarantee complete security, and we encourage you to use strong passwords and secure connections.

Your Privacy Rights

Under Malaysian privacy law, you have several rights regarding your personal data:

• Right to access and obtain copies of your personal information
• Right to correct inaccurate or incomplete data
• Right to withdraw consent for marketing communications
• Right to request data deletion when legally permissible
• Right to lodge complaints with relevant authorities

Cookies and Tracking

Our website uses cookies to enhance your experience and analyze usage patterns.

For detailed information about our cookie usage, please review our Cookie Policy. Cookie Policy

Data Retention

We retain personal information for as long as necessary to provide services, comply with legal obligations, and maintain business records. Generally, client data is kept for seven years after service termination, as required by Malaysian financial regulations.

Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from minors without parental consent.

Updates to This Policy

We may update this Privacy Policy to reflect changes in our practices or legal requirements. We will notify you of significant changes through email or website notices.

Contact Information