Privacy Policy

Introduction

Joryvaxezyna Financial Services ("we," "our," or "us") is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website joryvaxezyna.sbs or use our financial forecasting and budgeting services.

By accessing or using our services, you agree to the collection and use of information in accordance with this policy. If you do not agree with our policies and practices, please do not use our services.

Information We Collect

Personal Information

We collect several types of information from and about users of our services, including:

• Contact Information: Name, email address, postal address, and telephone number
• Account Information: Username, password, and security questions
• Financial Information: Income data, expense categories, budgeting goals, and financial forecasting preferences
• Professional Information: Job title, company name, industry, and professional interests
• Communication Data: Records of correspondence and communications with our support team

Technical Information

• Usage Data: Information about how you access and use our services
• Device Information: Hardware model, operating system, browser type, and device identifiers
• Log Information: Server logs, IP addresses, and access times
• Cookies and Tracking: Browser cookies, web beacons, and similar tracking technologies

Information from Third Parties

We may receive information about you from third parties, including:

• Social media platforms when you connect your accounts
• Financial institutions when you link accounts for budgeting features
• Business partners and referral sources
• Public databases and credit reporting agencies (where permitted)

How We Use Your Information

We use the information we collect for various purposes, including:

Service Provision

• Providing, operating, and maintaining our financial services
• Processing transactions and managing your account
• Generating personalized financial forecasts and budgeting recommendations
• Delivering customer support and responding to inquiries

Communication and Marketing

• Sending service-related notifications and updates
• Providing educational content about financial planning
• Marketing our services (with your consent where required)
• Conducting surveys and collecting feedback

Business Operations

• Analyzing usage patterns to improve our services
• Detecting and preventing fraud and security threats
• Conducting research and development activities
• Complying with legal obligations and regulatory requirements

Information Sharing and Disclosure

We do not sell, trade, or otherwise transfer your personal information to third parties without your consent, except in the following circumstances:

Data Security

We implement comprehensive security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. Our security practices include:

Technical Safeguards

• Encryption: All data transmitted between your device and our servers is encrypted using SSL/TLS protocols
• Data Storage: Personal information is stored in secure, encrypted databases with restricted access
• Authentication: Multi-factor authentication systems protect account access
• Regular Updates: Security systems are continuously monitored and updated

Administrative Safeguards

• Employee access controls and regular security training
• Background checks for personnel handling sensitive data
• Incident response procedures and breach notification protocols
• Regular security audits and compliance assessments

While we strive to protect your personal information, no method of transmission over the internet or electronic storage is completely secure. We cannot guarantee absolute security but are committed to implementing industry best practices.

Your Privacy Rights

You have several rights regarding your personal information. Depending on your location and applicable laws, these may include:

Access and Portability Rights

• Right to Access: Request copies of your personal information we hold
• Data Portability: Receive your data in a structured, machine-readable format
• Information Requests: Learn about how we process your data and for what purposes

Control and Correction Rights

• Right to Rectification: Correct inaccurate or incomplete personal information
• Right to Erasure: Request deletion of your personal information under certain circumstances
• Right to Restriction: Limit how we process your information in specific situations
• Right to Object: Opt out of certain types of data processing, including marketing

How to Exercise Your Rights

To exercise any of these rights, please contact us using the information provided at the end of this policy. We will respond to your request within 30 days and may require verification of your identity before processing your request.

Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law.

Retention Periods

• Account Information: Retained while your account is active and for 7 years after closure
• Financial Data: Maintained for regulatory compliance periods (typically 7-10 years)
• Communication Records: Kept for 3 years for quality assurance and dispute resolution
• Marketing Data: Retained until you opt out or for 2 years of inactivity
• Technical Logs: Automatically deleted after 12 months unless needed for security purposes

When we no longer need your personal information, we securely delete or anonymize it in accordance with our data destruction policies.

International Data Transfers

As a Malaysia-based company, your information is primarily processed within Malaysia. However, we may transfer your personal information to other countries for processing by our service providers or business partners.

Transfer Safeguards

• We only transfer data to countries with adequate data protection laws
• Contractual agreements ensure equivalent protection standards
• Regular assessments verify ongoing compliance with protection requirements
• Additional safeguards may be implemented based on destination country requirements

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our website and services. These technologies help us:

• Remember your preferences and settings
• Analyze website traffic and user behavior
• Provide personalized content and recommendations
• Measure the effectiveness of our marketing campaigns
• Detect and prevent fraudulent activity

Cookie Management

You can control cookie settings through your browser preferences. However, disabling certain cookies may limit your ability to use some features of our services. We provide a cookie preference center where you can manage your consent for different types of cookies.

Children's Privacy

Our services are not designed for or directed at children under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have collected personal information from a child under 18, we will take steps to delete such information promptly.

If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately so we can take appropriate action.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of any material changes by:

• Posting the updated policy on our website with a new effective date
• Sending email notifications to registered users for significant changes
• Providing in-app notifications for material policy updates
• Requesting renewed consent where required by applicable law

We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information. Your continued use of our services after any changes indicates your acceptance of the updated policy.