Privacy Policy
Introduction and Commitment
At felorianexos, we recognize that your personal information deserves careful protection and transparent handling. This privacy policy explains how we collect, use, store, and safeguard your data when you interact with our budget prioritization platform and related services. We operate under Malaysian privacy laws and international best practices to ensure your information remains secure.
Our commitment extends beyond legal compliance. We believe privacy is fundamental to building trust with our users. Whether you're accessing our budgeting tools, participating in our educational content, or contacting our support team, we maintain strict standards for data protection and user privacy.
Information We Collect
Account Information
When you create an account with felorianexos, we collect your email address, chosen username, and encrypted password. We also store your account preferences, notification settings, and basic profile information you choose to provide.
Financial Data
Our budget prioritization tools process income figures, expense categories, savings goals, and financial priorities you input. This data remains encrypted and is used solely to provide personalized budgeting recommendations and insights.
Usage Analytics
We track how you interact with our platform to improve functionality. This includes pages visited, features used, time spent on different sections, and general usage patterns that help us enhance user experience.
Communication Records
When you contact our support team or participate in surveys, we maintain records of these interactions. This helps us provide better assistance and improve our services based on user feedback.
How We Use Your Information
- Service Delivery: We use your data to provide budgeting tools, generate financial insights, and deliver personalized recommendations based on your financial goals and priorities.
- Account Management: Your information helps us maintain your account security, process authentication, and manage your preferences and settings across our platform.
- Educational Content: We analyze usage patterns to develop relevant educational materials about budget management, financial planning, and money management strategies.
- Platform Improvement: Aggregated, non-personal data helps us identify areas for enhancement, fix technical issues, and develop new features that benefit our user community.
- Communication: We use your contact information to send important account updates, security notices, and educational newsletters you've subscribed to receive.
Data Storage and Security
Your information is stored on secure servers located in Malaysia and complies with local data protection requirements. We employ industry-standard encryption for data transmission and storage, ensuring your sensitive financial information remains protected against unauthorized access.
Security Measures: Our security framework includes encrypted data transmission, secure authentication protocols, regular security audits, and restricted access controls. Financial data receives additional encryption layers and is never stored in plain text format.
We maintain backup systems to prevent data loss while ensuring these backups follow the same security standards as our primary systems. Our technical team regularly updates security protocols to address emerging threats and maintain the highest protection standards.
Information Sharing and Third Parties
felorianexos does not sell, trade, or rent your personal information to third parties. We maintain strict controls over data sharing and only work with trusted service providers who meet our security standards and privacy requirements.
- Service Providers: We work with carefully selected companies that help us deliver our services, such as cloud hosting providers, email delivery services, and analytics platforms. These providers operate under strict data protection agreements.
- Legal Requirements: We may disclose information when required by Malaysian law, court orders, or government requests. We review such requests carefully and share only the minimum information necessary to comply with legal obligations.
- Business Transfers: In the event of a merger, acquisition, or sale of assets, user information may be transferred as part of the business transaction. Users would be notified of any such changes to data ownership.
Your Privacy Rights
You can access and review all personal information we hold about you through your account dashboard. This includes your profile data, financial information, usage history, and communication preferences. You can download a complete copy of your data at any time.
You have the right to correct any inaccurate or outdated information in your account. Changes can be made directly through your account settings or by contacting our support team for assistance with complex updates.
You can request deletion of your account and associated data. We will permanently remove your information within 30 days of your request, except for data we're legally required to retain for compliance purposes.
You can export your data in standard formats to transfer to other services. This includes your financial data, account settings, and usage history in formats that are commonly supported by other platforms.
You can opt out of marketing communications at any time while maintaining your account. Essential service communications, such as security notices and account updates, will continue as necessary for platform operation.
Data Retention Periods
We retain your personal information for as long as your account remains active or as needed to provide our services. Different types of data have specific retention schedules based on legal requirements and business needs.
- Account Data: Retained while your account is active and for 12 months after account closure to allow for account recovery and address any disputes or issues.
- Financial Information: Encrypted financial data is retained for 7 years in compliance with Malaysian financial record-keeping requirements, then securely deleted.
- Usage Analytics: Aggregated, non-personal usage data may be retained indefinitely for research and service improvement purposes, with all personal identifiers removed.
- Communication Records: Support interactions and correspondence are retained for 3 years to maintain service quality and resolve ongoing issues.
Cookies and Tracking Technologies
Our platform uses cookies and similar technologies to enhance user experience, maintain login sessions, and analyze platform usage. We use both essential cookies required for platform functionality and optional cookies for analytics and personalization.
Cookie Control: You can manage cookie preferences through your browser settings or our cookie preference center. Disabling certain cookies may limit some platform features, but core budgeting functionality will remain available.
We do not use cookies for advertising purposes or share cookie data with third-party advertisers. Our tracking focuses on improving user experience and platform performance rather than marketing or promotional activities.
International Data Transfers
While our primary data storage occurs within Malaysia, some service providers may process data in other countries. When international transfers occur, we ensure appropriate safeguards are in place through contractual agreements and compliance with international data protection standards.
We carefully evaluate the data protection laws of any country where your information might be processed and implement additional security measures when necessary to maintain protection standards equivalent to those required in Malaysia.
Updates to This Policy
We review and update this privacy policy regularly to reflect changes in our practices, legal requirements, or service offerings. Significant changes will be communicated to users through email notifications and prominent notices on our platform.
Minor updates, such as clarifications or formatting improvements, may be made without notification. We encourage you to review this policy periodically to stay informed about how we protect your privacy and handle your information.
Privacy Questions and Contact Information
For privacy-related questions, concerns, or requests, please contact us:
Email: info@felorianexos.org
Phone: +6088235218
Address: Kampung Jaya Baru, 90000 Sandakan, Sabah, Malaysia
We respond to privacy inquiries within 7 business days and are committed to addressing your concerns promptly and thoroughly.