Halivothavira - Professional Financial Goal Setting Platform

Introduction and Our Commitment

At Halivothavira, we understand that your financial journey requires trust, and trust begins with transparency about how we handle your personal information. This privacy policy explains exactly what data we collect, why we need it, and how we protect it while you work toward your financial goals.

We believe your privacy is fundamental to building the financial future you deserve. Every data practice outlined here serves one purpose: helping you achieve your financial objectives while keeping your personal information secure.

This policy applies to all services offered through halivothavira.sbs, including our financial goal setting tools, educational resources, and personalized recommendations. When you use our platform, you're trusting us with sensitive financial information, and we take that responsibility seriously.

Information We Collect

To provide effective financial guidance, we collect several types of information. Here's exactly what we gather and why each piece matters for your financial success:

Personal Identification Information

Full name and contact details for account security and communication
Date of birth to ensure age-appropriate financial advice and legal compliance
Government identification numbers as required by Malaysian financial regulations
Employment information to better understand your income stability and financial capacity

Financial Information

Income details and employment status for personalized financial planning
Current savings, investments, and debt obligations to assess your financial position
Financial goals and timelines to create tailored recommendations
Risk tolerance and investment preferences for appropriate product suggestions
Transaction history within our platform to track your progress

Technical and Usage Data

We automatically collect technical information to improve our services and ensure platform security. This includes your IP address, browser type, device information, and how you interact with our tools. We also track which features you use most often to enhance your experience.

Data Type	Collection Method	Primary Purpose
Account Information	Direct input during registration	Service provision and communication
Financial Data	User-provided through forms and tools	Personalized financial planning
Usage Analytics	Automatic collection via cookies	Platform improvement and security
Communication Records	Email, chat, and support interactions	Customer service and compliance

How We Use Your Information

Every piece of information you share with us has a specific purpose in helping you achieve financial success. We don't collect data just because we can - we collect it because it directly contributes to your financial journey.

Primary Service Functions

Your financial information helps us create personalized goal-setting strategies, recommend appropriate savings and investment approaches, and track your progress over time. We analyze your income patterns and spending habits to suggest realistic timelines for achieving your objectives.

Communication and Support

We use your contact information to send important updates about your financial plans, market changes that might affect your goals, and educational content that matches your interests. Our support team accesses your information only when helping resolve issues or answer questions.

Legal and Regulatory Compliance

Malaysian financial regulations require us to maintain certain records and verify customer identities. We use your information to comply with anti-money laundering laws, tax reporting requirements, and other regulatory obligations that protect both you and the financial system.

We never use your financial information for purposes unrelated to your goals. Your data helps you succeed financially - that's our only agenda.

Information Sharing and Disclosure

We share your information only when necessary to provide our services or when required by law. Here's exactly who might access your data and under what circumstances:

Service Providers and Partners

Payment processors who handle your transactions securely
Cloud storage providers who maintain our data infrastructure
Analytics services that help us improve platform performance
Customer support tools that enable us to assist you effectively
Financial institutions when facilitating investment or savings products

Legal Requirements

Malaysian law requires us to share certain information with regulatory authorities, tax agencies, and law enforcement when they have proper legal authority. We comply with court orders, subpoenas, and regulatory investigations as required, but we challenge overly broad requests when appropriate.

Business Transfers

If Halivothavira is acquired by another company or undergoes a merger, your information would transfer to the new entity. We would notify you of any such change and ensure the new owner maintains at least the same privacy protections outlined in this policy.

We never sell your personal or financial information to marketers, data brokers, or any third party for commercial purposes. Your financial data is not a product we monetize.

Your Privacy Rights

You have significant control over your personal information. Understanding these rights helps you make informed decisions about your data and ensures you can exercise control when needed.

Access Your Data

Request a complete copy of all personal information we hold about you. We'll provide this in a readable format within 30 days of your request.

Correction Rights

Update or correct any inaccurate information in your profile. You can make most changes directly through your account dashboard.

Data Portability

Export your financial goals, progress data, and account information to transfer to another service provider if you choose.

Deletion Requests

Request deletion of your account and associated data, subject to legal retention requirements for financial records.

Processing Limitations

Restrict how we use your data for certain purposes while maintaining essential account functions and legal compliance.

Objection Rights

Object to specific uses of your information, particularly for marketing communications or non-essential features.

How to Exercise Your Rights

To exercise any of these rights, contact us using the information provided at the bottom of this policy. We'll verify your identity and process your request within the timeframes required by Malaysian law. Some requests may take longer if they're particularly complex or if we receive multiple requests from you.

Data Security and Protection

Protecting your financial information requires multiple layers of security. We've implemented comprehensive measures to safeguard your data from unauthorized access, theft, and misuse.

Technical Safeguards

256-bit SSL encryption for all data transmission between your device and our servers
Advanced encryption for data storage using industry-standard algorithms
Multi-factor authentication requirements for accessing sensitive financial information
Regular security audits and penetration testing by independent security firms
Automated monitoring systems that detect and respond to suspicious activities

Operational Security

Our employees receive regular security training and can only access customer information when necessary for their job functions. We maintain strict access controls, require background checks for staff handling financial data, and regularly review who has access to what information.

Incident Response

If a security incident occurs, we have procedures to contain the breach, assess its impact, and notify affected customers within 72 hours. We work with cybersecurity experts and law enforcement when necessary to investigate incidents and prevent future occurrences.

No system is completely secure, but we continuously invest in the latest security technologies and practices to protect your financial information as if it were our own.

Data Retention and Deletion

We keep your information only as long as necessary to provide our services and comply with legal requirements. Different types of data have different retention periods based on their purpose and regulatory requirements.

Account Information: Retained for 7 years after account closure as required by Malaysian financial regulations

Transaction Records: Maintained for 7 years for tax and regulatory compliance purposes

Communication Logs: Kept for 3 years to resolve potential disputes and improve service quality

Usage Analytics: Anonymized after 2 years and used only for platform improvement

Marketing Data: Deleted immediately upon opt-out or account closure

Secure Deletion Process

When we delete your data, we use secure deletion methods that make the information unrecoverable. This includes overwriting storage media multiple times and physically destroying hardware when it reaches end-of-life. We maintain certificates of destruction for sensitive data disposal.

International Data Transfers

While we primarily store data within Malaysia, some of our service providers operate internationally. When we transfer your information outside Malaysia, we ensure it receives equivalent protection through appropriate safeguards.

Transfer Safeguards

Standard contractual clauses that require international partners to maintain Malaysian-level privacy protections
Adequacy decisions recognizing equivalent privacy laws in destination countries
Binding corporate rules for transfers within multinational service provider organizations
Specific consent for transfers when required by Malaysian privacy law

Primary Transfer Destinations

Most international transfers occur to Singapore and Australia for cloud storage and backup services, both countries with privacy laws similar to Malaysia's. We also transfer limited data to the United States for specialized financial analysis tools, always under appropriate contractual protections.

Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience, remember your preferences, and analyze how you use our platform. Understanding these technologies helps you make informed choices about your privacy settings.

Essential Cookies

These cookies are necessary for basic platform functionality, including maintaining your login session, remembering security settings, and ensuring forms work properly. You cannot disable these cookies without affecting how our services operate.

Analytics and Performance

We use analytics cookies to understand how users interact with our platform, which features are most helpful, and where we can improve the user experience. This data is aggregated and anonymized, focusing on patterns rather than individual behavior.

Preference and Customization

These cookies remember your dashboard layout preferences, notification settings, and other customization choices to provide a personalized experience each time you visit our platform.

You can control cookie settings through your browser preferences, but disabling certain cookies may limit platform functionality and your ability to access personalized financial tools.

Children's Privacy Protection

Our services are designed for adults who can make independent financial decisions. We do not knowingly collect personal information from children under 18 years of age without proper parental consent as required by Malaysian law.

Age Verification

During account registration, we verify that users meet the minimum age requirement for financial services in Malaysia. If we discover that we've inadvertently collected information from someone under 18, we immediately delete that information and terminate the account.

Educational Resources

While our platform requires adult registration, we do provide general financial education resources that parents can share with their children to build financial literacy. These resources don't require personal information and don't use tracking technologies.

Policy Updates and Changes

We periodically update this privacy policy to reflect changes in our services, legal requirements, or industry best practices. We believe in transparency about these changes and will always notify you when significant updates occur.

Notification Process

For minor updates that don't affect your rights or how we handle your data, we'll update the "Last Updated" date at the top of this policy. For significant changes, we'll email you at least 30 days before the changes take effect and may require your active consent for certain modifications.

Your Options

If you disagree with policy changes, you can close your account before the changes take effect. We'll honor the previous policy terms for any data processing that occurred before the update, subject to ongoing legal retention requirements.

Privacy Policy