Privacy Policy

Our Privacy Commitment

At Xylaverniqo, we take your privacy seriously. This policy explains how we collect, use, protect, and share your personal information when you use our financial planning consultation service. We believe you should understand exactly how your data is handled.

We're committed to transparency about data practices and giving you control over your personal information. This policy applies to all interactions with our service, including website visits, consultation sessions, and communication with our team.

Information We Collect

We collect different types of information to provide and improve our consultation service:

• • Contact details including name, email address, phone number, and mailing address
• • Financial information discussed during consultation sessions, including income, expenses, and financial goals
• • Communication records including consultation notes, email correspondence, and service interactions
• • Website usage data including pages visited, time spent, and technical information about your device

How We Use Your Information

We use your personal information for specific, legitimate purposes related to providing financial planning consultation:

• • Conducting personalized financial planning consultations and providing ongoing guidance
• • Communicating about your subscription, appointment scheduling, and service updates
• • Improving our consultation service based on client feedback and usage patterns
• • Meeting legal and regulatory requirements for financial service providers in Malaysia
• • Protecting against fraud, security threats, and misuse of our service

Legal Basis for Processing

Under Malaysian Personal Data Protection Act 2010 and international privacy standards, we process your data based on:

Primary Legal Basis: Consent for consultation services and legitimate interest for service improvement and security

Data Sharing and Disclosure

We limit data sharing to specific circumstances necessary for service delivery:

• • With service providers who help us deliver consultation services (under strict confidentiality agreements)
• • When required by Malaysian law, court orders, or regulatory authorities like Bank Negara Malaysia
• • With your explicit consent for specific purposes, such as referrals to other professional services

Data Security

We implement comprehensive security measures to protect your personal information, including encryption of sensitive data, secure storage systems, regular security audits, and staff training on data protection. However, no system is completely secure, and we cannot guarantee absolute security of transmitted or stored data.

Your Privacy Rights

You have important rights regarding your personal information:

• • Right to access your personal data and understand how we process it
• • Right to correct inaccurate or incomplete information we hold about you
• • Right to request deletion of your personal data in certain circumstances
• • Right to restrict processing of your data for specific purposes
• • Right to receive your data in a portable format for transfer to another service
• • Right to object to processing based on legitimate interests

Cookies and Tracking

We use cookies and similar technologies to enhance your website experience and understand how you use our service. You can control cookie settings through your browser or our preference center.

For detailed information about our cookie practices, please see our Cookie Policy.

Data Retention

We retain your personal information only as long as necessary for the purposes outlined in this policy, typically for the duration of your subscription plus seven years for financial records as required by Malaysian regulations. When data is no longer needed, we securely delete or anonymize it.

Children's Privacy

Our consultation service is designed for adults and we do not knowingly collect personal information from individuals under 18 years of age. If we discover we have collected data from a minor, we will delete it promptly.

Xylaverniqo financial planning service footer logo: Xylaverniqo financial planning service footer logo

Privacy Policy Changes

We may update this privacy policy to reflect changes in our practices, legal requirements, or service offerings. We'll notify you of significant changes through email and website notices. Your continued use of our service after updates constitutes acceptance of the revised policy.

Privacy Contact Information

For privacy-related questions, data requests, or concerns, contact our Data Protection Officer at info@xylaverniqo.com or +60 12 7268 6321.