Information We Collect

When you register with our budget surplus management platform, we collect information necessary to provide our services effectively. This includes your name, email address, and basic financial parameters you choose to share for surplus optimization.

• Account registration details including your chosen username and secure password
• Financial data you voluntarily input for surplus calculations and recommendations
• Usage patterns within our platform to improve service delivery
• Communication records when you contact our support team
• Device information and IP addresses for security monitoring

We never collect more information than necessary for our services. Everything we gather has a specific purpose related to helping you manage your financial surplus more effectively.

How We Use Your Data

Your information serves three primary purposes: service delivery, platform improvement, and security maintenance. We process your data to generate personalized surplus management recommendations and maintain secure access to your account.

Communication data helps us respond to your questions more effectively and improve our customer service processes. Technical information allows us to identify potential security threats and maintain platform stability.

Data Protection & Security

We employ bank-level encryption for all financial data transmission and storage. Your surplus management information is protected using industry-standard security protocols, including SSL encryption and secure server infrastructure.

• End-to-end encryption for all financial calculations and data transfers
• Regular security audits and vulnerability assessments
• Restricted access protocols for our development and support teams
• Automated backup systems with encrypted storage
• Multi-factor authentication options for enhanced account security

Our servers are housed in secure facilities with physical access controls and 24/7 monitoring. We maintain detailed security logs and incident response procedures to address any potential threats immediately.

Your Rights & Controls

You maintain complete control over your personal information. At any time, you can access your data, request corrections, or delete your account entirely. We provide easy-to-use tools within your dashboard for managing privacy settings.

If you choose to delete your account, we remove all personal information within 30 days, except where legal requirements mandate longer retention periods. You can also export your data in standard formats before deletion.

For residents of Malaysia and other jurisdictions with specific privacy laws, we comply with all applicable regulations regarding data access, portability, and deletion rights.

Third-Party Services

We work with carefully selected partners to provide enhanced surplus management features. These partnerships are governed by strict data sharing agreements that limit how your information can be used.

Payment processing partners receive only transaction-specific information necessary to complete your subscription payments. We never share your actual budget or surplus data with payment processors or other third parties.

Analytics services help us understand platform usage patterns, but all data is anonymized and aggregated before analysis. Individual user behavior cannot be identified from this information.

Updates & Changes

We review and update this privacy policy annually or whenever significant changes occur to our data handling practices. All registered users receive email notification at least 30 days before any material changes take effect.

Minor clarifications or additions that don't affect your rights may be implemented with shorter notice periods. We maintain a change log showing the evolution of our privacy practices over time.