Privacy Policy

At Vaxilothavira, we're committed to protecting your privacy and ensuring transparency about how we collect, use, and safeguard your personal information. This comprehensive policy outlines our practices and your rights regarding your data.

Last Updated: January 15, 2025

Information We Collect

We collect information that you provide directly to us, as well as information automatically collected when you use our budgeting platform and financial education services.

Personal Information You Provide

Name, email address, and contact information when you create an account
Financial goals and budgeting preferences you share with us
Communication preferences and feedback you provide
Payment information for premium services (processed securely through third-party providers)
Profile information and learning progress within our educational programs

Automatically Collected Information

Device information including IP address, browser type, and operating system
Usage patterns, feature preferences, and interaction data within our platform
Cookies and similar tracking technologies for improving user experience
Location data (only with your explicit consent and for relevant features)

How We Use Your Information

Your information helps us provide personalized budgeting education and improve our financial literacy platform. We use your data responsibly and only for legitimate business purposes.

Delivering personalized budgeting education and financial literacy content
Tracking your learning progress and providing customized recommendations
Sending important account updates, educational newsletters, and service announcements
Improving our platform features based on user behavior and feedback
Providing customer support and responding to your inquiries
Protecting against fraud and ensuring platform security
Complying with legal obligations and regulatory requirements

We never sell your personal information to third parties. Your financial data and personal details remain confidential and are used solely to enhance your experience with Vaxilothavira's educational platform.

Data Sharing and Disclosure

We maintain strict controls over data sharing and only disclose information when necessary for service delivery or legal compliance.

Sharing Category	Purpose	Data Protection Measures
Service Providers	Payment processing, email delivery, hosting services	Contractual data protection agreements, limited access
Legal Requirements	Compliance with Malaysian laws and regulations	Minimum necessary disclosure, legal review process
Business Transfers	Merger, acquisition, or asset sale scenarios	User notification, continued privacy protection
Aggregated Data	Research and platform improvement	Complete anonymization, no personal identifiers

Your Privacy Rights

You have significant control over your personal information. We respect your privacy rights and provide easy ways to manage your data.

Access and Control

Right to Access: Request a copy of all personal information we hold about you
Right to Correction: Update or correct inaccurate personal information
Right to Deletion: Request deletion of your personal data (subject to legal requirements)
Right to Portability: Receive your data in a machine-readable format
Right to Restrict Processing: Limit how we use your information
Right to Object: Opt out of certain data processing activities

How to Exercise Your Rights

To exercise any of these rights, contact our privacy team at privacy@vaxilothavira.sbs. We'll respond within 30 days and verify your identity before processing requests. Some rights may be limited by legal obligations or legitimate business interests.

Data Security and Protection

Protecting your financial education data is our top priority. We implement comprehensive security measures to safeguard your information against unauthorized access, alteration, or disclosure.

Technical Safeguards

End-to-end encryption for all data transmission and storage
Regular security audits and penetration testing
Multi-factor authentication for account access
Secure cloud infrastructure with redundant backup systems
Regular software updates and security patch management

Organizational Measures

Employee privacy training and confidentiality agreements
Access controls limiting data access to authorized personnel only
Incident response procedures for potential security breaches
Regular privacy impact assessments for new features

Data Retention and Deletion

We retain your information only 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.

Data Type	Retention Period	Deletion Process
Account Information	Active account + 2 years after deletion	Automatic deletion after retention period
Learning Progress	Active account + 1 year after deletion	Secure deletion from all systems
Communication Records	3 years from last contact	Automated purging process
Usage Analytics	Anonymized after 6 months	Personal identifiers removed
Legal Compliance Data	As required by Malaysian law	Deletion upon legal requirement expiry

International Data Transfers

As a Malaysia-based company serving users primarily in Southeast Asia, we may transfer your data internationally to provide our services effectively. All international transfers are protected by appropriate safeguards.

Transfer Safeguards

Standard contractual clauses approved by data protection authorities
Adequacy decisions recognizing equivalent privacy protection
Binding corporate rules for transfers within our organization
Explicit consent for transfers where required by law

We primarily use service providers located in Malaysia, Singapore, and other countries with strong data protection frameworks. Any transfers to countries without adequate protection are subject to additional safeguards and your explicit consent.

Cookies and Tracking Technologies

We use cookies and similar technologies to improve your experience, analyze usage patterns, and provide personalized content. You have control over how these technologies are used.

Types of Cookies We Use

Essential Cookies: Required for basic platform functionality and security
Performance Cookies: Help us understand how users interact with our platform
Functional Cookies: Remember your preferences and personalize your experience
Marketing Cookies: Used to deliver relevant educational content (with your consent)

You can control cookie settings through your browser or our cookie preference center. Disabling certain cookies may limit some platform features, but you'll still have access to core educational content.

Children's Privacy

Our platform is designed for adults seeking financial education. We do not knowingly collect personal information from children under 13 years of age. If you're a parent or guardian and believe your child has provided us with personal information, please contact us immediately.

For users between 13-18 years old accessing our educational content, we require parental consent and implement additional privacy protections. We encourage parents to monitor their children's online activities and discuss responsible financial learning.

Changes to This Privacy Policy

We may update this privacy policy periodically to reflect changes in our practices, legal requirements, or platform features. We'll notify you of significant changes through email or prominent notices on our platform.

Minor updates will be posted with a revised "Last Updated" date. We encourage you to review this policy regularly to stay informed about how we protect your privacy. Continued use of our platform after policy changes constitutes acceptance of the updated terms.

For material changes that significantly affect your privacy rights, we'll provide at least 30 days' notice and may require your explicit consent to continue using certain features.

Privacy Questions & 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: privacy@vaxilothavira.sbs

Address: 40-3, Jalan USJ 1/1c, Subang Business Centre, 47620 Subang Jaya, Selangor, Malaysia

Phone: +60149058022

We typically respond to privacy inquiries within 48 hours and will work with you to resolve any concerns about your personal information.