Privacy Policy

Information We Collect

At navorianquithae, we collect various types of information to provide you with our financial education and business finance services. Understanding what information we collect helps you make informed decisions about using our platform.

Personal Information

When you register for our services or contact us, we may collect personal information including:

• Full name and contact information (email address, phone number)
• Business information and company details
• Financial experience level and learning preferences
• Geographic location and time zone for service delivery
• Communication preferences and language settings
• Educational background and professional experience

Usage Information

We automatically collect information about how you use our website and services:

• Pages visited and time spent on different sections
• Learning modules completed and progress tracking
• Device information including browser type and operating system
• IP address and approximate geographic location
• Search queries and content preferences
• Interaction patterns with our educational content

Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience on our platform. These help us remember your preferences, analyze site traffic, and personalize content. You can control cookie settings through your browser preferences.

How We Use Your Information

We use the information we collect for several important purposes, all designed to improve your learning experience and provide better financial education services.

Service Delivery

Your personal information helps us deliver personalized financial education content, track your learning progress, and provide customer support. We tailor our content recommendations based on your experience level and learning goals.

Communication

We may use your contact information to send you important updates about our services, educational content, and policy changes. You can opt out of marketing communications at any time while still receiving essential service-related messages.

• Course completion notifications and progress updates
• New content alerts and educational resource recommendations
• Platform updates and feature announcements
• Customer service responses and support communications
• Security alerts and account protection notifications

Platform Improvement

We analyze usage patterns and feedback to continuously improve our educational content and platform functionality. This helps us create better learning experiences and develop new features that serve our users' needs.

Information Sharing and Disclosure

We take your privacy seriously and only share your information in specific circumstances that benefit your experience or are required by law. We never sell your personal information to third parties.

Service Providers

We work with trusted third-party service providers who help us deliver our educational platform. These partners are contractually bound to protect your information and use it only for the specific services they provide to us.

• Cloud hosting providers for secure data storage and platform delivery
• Email service providers for course notifications and communications
• Analytics services to understand user behavior and improve our platform
• Customer support tools to provide timely assistance
• Payment processors for secure transaction handling

Legal Requirements

We may disclose your information when required by law, such as in response to court orders, legal processes, or to protect our rights and the safety of our users. We'll notify you of such disclosures unless legally prohibited.

Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the new entity. We'll provide notice and ensure your privacy rights are protected during any such transition.

Data Security and Protection

We implement comprehensive security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. Our security practices are regularly reviewed and updated to address emerging threats.

Technical Safeguards

• SSL encryption for all data transmission between your device and our servers
• Regular security audits and vulnerability assessments
• Secure data centers with physical access controls
• Employee access controls and regular security training
• Automated backup systems with encryption at rest
• Network monitoring and intrusion detection systems

Administrative Safeguards

We maintain strict internal policies governing access to personal information. Only authorized personnel who need access to perform their job functions can view your data, and all access is logged and monitored.

Your Privacy Rights

You have several important rights regarding your personal information. We're committed to helping you exercise these rights and maintaining transparency about how we handle your data.

How to Exercise Your Rights

To exercise any of these rights, please contact us using the information provided below. We'll respond to your request within 30 days and may need to verify your identity to protect your privacy. There's no charge for most requests, though we may charge a reasonable fee for excessive or repetitive requests.

Data Retention

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

Retention Periods

• Account information: Retained while your account is active, plus 3 years after closure
• Learning progress and course data: Retained for 5 years to provide certificates and transcripts
• Communication records: Retained for 2 years for customer service purposes
• Financial transactions: Retained for 7 years as required by Malaysian tax law
• Marketing preferences: Retained until you withdraw consent
• Analytics data: Anonymized and retained for 2 years for platform improvement

When we no longer need your information, we securely delete it from our systems. Some information may be retained in backup systems for up to 90 days after deletion from active systems, but this data is not accessible for operational use.

International Data Transfers

While our primary operations are based in Malaysia, we may transfer your information to service providers in other countries to deliver our services effectively. We ensure appropriate safeguards are in place for any international transfers.

Transfer Safeguards

When transferring data internationally, we use standard contractual clauses approved by relevant authorities and require our service providers to implement appropriate technical and organizational measures to protect your information.

• Contractual protections requiring equivalent privacy standards
• Regular audits of international service providers
• Encryption requirements for data in transit and at rest
• Access controls and monitoring for international transfers

Children's Privacy

Our services are designed for adults and we do not knowingly collect personal information from children under 18 years of age. If you're under 18, please do not provide any personal information on our platform.

If we become aware that we have collected personal information from a child under 18, we will take steps to delete that information promptly. Parents or guardians who believe their child has provided personal information to us should contact us immediately.

Updates to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. We'll notify you of any material changes by email or through a prominent notice on our platform.

Minor updates that don't materially affect your rights may be made without notice, but we'll always update the effective date at the top of this policy. We encourage you to review this policy periodically to stay informed about how we protect your information.