Privacy Policy

Information We Collect

At pentavibragravvividlo, we collect various types of information to provide you with effective debt management strategies and personalized financial guidance. The information we gather falls into several categories, each serving specific purposes in delivering our services.

Personal Information

Financial Information

We collect comprehensive financial data to create personalized debt management plans. This includes details about your current debts, monthly expenses, income sources, and existing financial obligations. We also gather information about your banking relationships and payment history to better understand your financial situation.

How We Use Your Information

Your information serves multiple purposes in our commitment to providing excellent debt management services. We use your data responsibly and only for legitimate business purposes that directly benefit your financial well-being.

Primary Uses

We analyze your financial information to create customized debt management strategies tailored to your specific situation. This includes calculating optimal payment schedules, identifying opportunities for debt consolidation, and providing educational resources that match your needs. We also use your data to communicate important updates about your account and changes to our services.

Service Improvement

We use aggregated, anonymized data to improve our services and develop new features. This helps us understand common financial challenges faced by our clients and develop better solutions. Individual personal information is never used for marketing purposes without your explicit consent.

Data Sharing and Third Parties

pentavibragravvividlo maintains strict control over your personal information. We only share data with trusted partners who help us deliver our services, and never for commercial purposes outside of your debt management program.

Authorized Sharing

We may share limited information with financial institutions involved in your debt management plan, such as creditors or collection agencies, but only with your explicit consent and only the minimum information necessary to negotiate on your behalf. We also share data with our technology partners who help maintain our secure systems, but these partners are bound by strict confidentiality agreements.

Legal Requirements

We may disclose your information if required by Malaysian law, court orders, or regulatory authorities. In such cases, we will notify you unless prohibited by law and will only share the minimum information required to comply with the legal obligation.

Your Rights and Choices

You have significant control over your personal information. We respect your privacy rights and provide multiple ways for you to access, modify, or delete your data according to Malaysian privacy laws and international best practices.

Access and Correction

You can request access to all personal information we hold about you. We'll provide this information in an easily readable format within 30 days of your request. If you find any inaccuracies, you can request corrections, and we'll update your records promptly.

Data Deletion

You can request deletion of your personal information, subject to our legal obligations to retain certain financial records. We'll explain what can be deleted immediately and what must be retained for regulatory compliance. Even after deletion, some anonymized data may remain in our systems for service improvement purposes.

Data Security and Protection

Protecting your sensitive financial information is our top priority. We implement multiple layers of security using industry-standard encryption, access controls, and monitoring systems to safeguard your data against unauthorized access or breaches.

Technical Safeguards

All data transmission occurs through SSL-encrypted connections, and your information is stored in secure, access-controlled servers located in Malaysia. We use advanced encryption for sensitive financial data and implement regular security audits to identify and address potential vulnerabilities.

Access Controls

Only authorized pentavibragravvividlo employees who need access to perform their job functions can view your personal information. All access is logged and monitored, and employees receive regular training on data protection protocols. We also conduct background checks on all staff members who handle sensitive client information.

International Data Transfers

Your personal information is primarily stored and processed within Malaysia. However, some of our technology partners may process data in other countries with adequate data protection standards. We ensure all international transfers comply with Malaysian privacy laws and include appropriate safeguards.

Transfer Safeguards

When data must be transferred internationally, we use standard contractual clauses approved by Malaysian authorities and ensure the receiving country has adequate data protection laws. We also conduct regular reviews of our international partners to ensure continued compliance with privacy standards.

Policy Updates and Changes

We review and update this privacy policy regularly to reflect changes in our services, technology, and legal requirements. When we make significant changes, we'll notify you through email and prominent notices on our website at least 30 days before the changes take effect.

Notification Process

For minor updates that don't affect your rights, we'll update the policy date and post the changes on our website. For major changes that impact how we collect, use, or share your information, we'll send direct email notifications and may require your consent to continue using our services.