Privacy Policy

Introduction

At veltrunexomagency, we understand that your privacy is fundamental to your trust in our economic planning services. This comprehensive privacy policy explains how we collect, use, store, and protect your personal information when you interact with our platform, services, and resources. We're committed to transparency in our data practices and ensuring you have full control over your personal information.

veltrunexomagency operates as a leading economic planning platform based in Malaysia, serving clients who seek professional financial guidance and educational resources. Our services include personalized economic planning, educational programs, and financial literacy resources designed to empower individuals and businesses in making informed financial decisions.

Information We Collect

Personal Information

We collect various types of personal information to provide you with tailored economic planning services and educational resources. This information helps us understand your financial goals, risk tolerance, and specific needs to deliver personalized recommendations and support.

Category	Information Types	Collection Method
Identity Information	Full name, date of birth, government ID numbers, photographs	Registration forms, verification processes
Contact Information	Email addresses, phone numbers, mailing addresses	Account creation, service requests, communications
Financial Information	Income details, assets, liabilities, investment preferences	Financial planning consultations, assessment forms
Professional Information	Employment status, occupation, employer details	Client intake forms, risk assessment questionnaires
Technical Information	IP addresses, browser data, device information, cookies	Website usage, platform interactions, analytics

Automatically Collected Information

When you visit our website or use our services, we automatically collect certain technical information through cookies, web beacons, and similar technologies. This includes your IP address, browser type, operating system, referring website, pages visited, and the dates and times of your visits. We also collect information about your interactions with our content, such as which educational resources you access and how long you engage with specific materials.

How We Use Your Information

Service Delivery

Your personal information enables us to provide comprehensive economic planning services tailored to your specific financial situation and goals. We use your financial data to create personalized recommendations, develop strategic plans, and provide ongoing support and guidance. This includes analyzing your income, expenses, assets, and liabilities to create realistic financial projections and actionable strategies.

• Creating personalized economic plans based on your financial goals and risk tolerance
• Providing investment recommendations and portfolio management guidance
• Offering educational content and resources relevant to your financial situation
• Conducting financial health assessments and progress reviews
• Delivering timely market insights and economic updates
• Facilitating access to our learning programs and teaching methods

Communication and Support

We use your contact information to communicate with you about our services, send important account updates, and provide customer support. This includes sending appointment reminders, sharing relevant educational materials, and notifying you about changes to our services or policies. We may also use your information to send newsletters and promotional materials about our services, though you can opt out of these communications at any time.

Service Improvement and Analytics

We analyze usage patterns and user feedback to continuously improve our services and platform functionality. This includes understanding which educational resources are most valuable to our clients, identifying areas where additional support might be needed, and developing new features that better serve your economic planning needs. We use aggregated, anonymized data for research and development purposes.

Information Sharing and Disclosure

Third-Party Service Providers

We work with trusted third-party service providers to deliver our services effectively. These providers may have access to your personal information solely for the purpose of performing services on our behalf. We maintain strict contractual agreements with all service providers that require them to protect your information and use it only for specified purposes.

Legal Requirements

We may disclose your personal information when required by law, legal process, or government request. This includes compliance with Malaysian privacy laws, financial regulations, and international legal requirements. We will make reasonable efforts to notify you of such disclosures unless prohibited by law or court order.

Business Transfers

In the event of a merger, acquisition, or sale of assets, your personal information may be transferred to the new entity. We will provide notice before your personal information is transferred and ensure that the new entity agrees to protect your information according to the standards outlined in this privacy policy.

Data Security and Protection

Security Measures

We implement comprehensive security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. Our security framework includes both technical and organizational measures designed to ensure the confidentiality, integrity, and availability of your data.

• End-to-end encryption for all data transmission and storage
• Multi-factor authentication for account access
• Regular security audits and penetration testing
• Employee training on data protection and privacy practices
• Access controls and monitoring systems
• Secure backup and disaster recovery procedures

Data Breach Response

In the unlikely event of a data breach, we have established procedures to respond quickly and effectively. This includes immediate containment of the breach, assessment of affected data, notification of relevant authorities within required timeframes, and direct communication with affected individuals. We maintain a dedicated incident response team and regularly test our breach response procedures.

Data Retention and Deletion

Retention Periods

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this privacy policy, comply with legal obligations, and resolve disputes. Different types of information have different retention periods based on their nature and regulatory requirements.

Data Deletion

When retention periods expire or when you request deletion of your data, we use secure deletion methods to ensure information cannot be recovered. This includes overwriting data multiple times and physically destroying storage media when necessary. Some information may be retained in anonymized form for statistical purposes.

Your Rights and Choices

Access and Portability

You have the right to access your personal information and receive a copy of the data we hold about you. We provide this information in a structured, commonly used format that allows you to transfer your data to another service provider if desired. You can request access to your data through your account settings or by contacting our privacy team.

Correction and Updates

You can update or correct your personal information at any time through your account dashboard. For information that cannot be updated directly through your account, you can contact our support team for assistance. We encourage you to keep your information current to ensure we can provide the most relevant and accurate service.

Deletion and Erasure

You may request deletion of your personal information, subject to certain legal and contractual obligations. We will honor deletion requests within 30 days unless we have a legitimate reason to retain the information, such as ongoing legal obligations or unresolved disputes. Some information may be retained in anonymized form for analytical purposes.

International Data Transfers

Cross-Border Data Processing

While veltrunexomagency operates primarily in Malaysia, we may transfer your personal information to other countries for processing by our service providers. These transfers are conducted in accordance with applicable privacy laws and include appropriate safeguards to protect your information. We ensure that any international transfers comply with both Malaysian privacy laws and the privacy laws of the destination country.

Transfer Safeguards

When transferring data internationally, we implement appropriate safeguards such as standard contractual clauses, adequacy decisions, and binding corporate rules. These measures ensure that your personal information receives the same level of protection regardless of where it is processed. We regularly review and update these safeguards to maintain the highest protection standards.

Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children under 18. If we become aware that we have collected personal information from a child under 18, we will take steps to delete such information promptly. Parents or guardians who believe their child has provided us with personal information should contact us immediately.

Policy Updates

We may update this privacy policy periodically to reflect changes in our practices, services, or legal requirements. When we make significant changes, we will notify you through email or prominent notice on our website at least 30 days before the changes take effect. We encourage you to review this policy regularly to stay informed about how we protect your information.

Minor updates that do not materially affect your rights or our data processing practices may be made without prior notice. The effective date at the top of this policy indicates when the current version was last updated. Your continued use of our services after policy updates constitutes acceptance of the revised terms.