Privacy Policy
Your privacy matters to us. Learn how zephrynoviqlo protects and manages your personal information.
Last updated: March 15, 2025
Introduction and Overview
At zephrynoviqlo, we understand that your privacy is fundamental to building trust in our financial education platform. This comprehensive privacy policy explains how we collect, use, store, and protect your personal information when you interact with our investment principles learning platform and related services.
Our commitment extends beyond mere compliance - we believe in transparent communication about our data practices. This policy applies to all users of zephrynoviqlo.sbs, including visitors, registered users, and participants in our learning programs. We regularly review and update our privacy practices to ensure they meet the highest standards of data protection.
Key Principle: We collect only the information necessary to provide our educational services and never sell your personal data to third parties. Your information is used exclusively to enhance your learning experience and provide relevant financial education content.
Information We Collect
Personal Information You Provide
When you engage with our platform, we collect information that you voluntarily provide to us. This includes details you share during account registration, course enrollment, and when contacting our support team.
| Information Type | Examples | Purpose |
|---|---|---|
| Contact Information | Name, email address, phone number, mailing address | Account creation, communication, course delivery |
| Educational Data | Course progress, quiz results, learning preferences | Personalized learning experience, progress tracking |
| Financial Information | Payment details, billing address, transaction history | Payment processing, subscription management |
| Profile Information | Investment experience level, learning goals, interests | Content personalization, relevant course recommendations |
Automatically Collected Information
Our platform automatically collects certain technical information to improve functionality and user experience. This includes device information, browser type, IP address, and usage patterns. We use this data to optimize our platform performance and ensure security.
How We Use Your Information
We use your personal information exclusively to provide and improve our educational services. Our primary focus is delivering personalized learning experiences that help you understand investment principles and develop financial literacy skills.
Educational Services
Your information helps us create tailored learning paths based on your experience level and goals. We track your progress through courses, identify areas where you might need additional support, and recommend relevant content to enhance your financial education journey.
Communication and Support
We use your contact information to send important updates about your courses, respond to your questions, and provide technical support. Our communication includes course announcements, new content notifications, and educational newsletters that you can opt out of at any time.
Marketing Communications: We may send you educational content and course recommendations based on your interests. You can unsubscribe from marketing emails at any time using the unsubscribe link in every email or by contacting our support team directly.
Platform Improvement
We analyze usage patterns and user feedback to continuously improve our platform. This includes identifying popular content, optimizing user interface elements, and developing new features that better serve our educational mission. All analysis is conducted with aggregated, anonymized data whenever possible.
Data Sharing and Third Parties
We maintain strict controls over your personal information and share it only when necessary to provide our services or when required by law. We never sell your personal data to third parties for marketing purposes.
Service Providers
We work with trusted service providers who help us deliver our educational platform. These include payment processors, email service providers, cloud hosting services, and analytics tools. All service providers are bound by strict confidentiality agreements and are required to protect your information according to our privacy standards.
Legal Requirements
We may disclose your information when required by law, such as responding to court orders, legal processes, or regulatory requests. We may also share information to protect our legal rights, prevent fraud, or ensure the safety of our users and platform.
Business Transfers
In the event of a merger, acquisition, or sale of zephrynoviqlo's assets, your information may be transferred to the new entity. We will notify you of any such transfer and ensure that your privacy rights are protected under the same standards outlined in this policy.
Your Privacy Rights
You have significant control over your personal information. We provide comprehensive tools and processes to help you exercise these rights effectively and promptly.
Access Your Data
Request a complete copy of all personal information we have about you. We'll provide this information in a readable format within 30 days of your request.
Correct Information
Update or correct any inaccurate personal information in your account. You can make most changes directly through your account settings or contact our support team.
Delete Your Data
Request deletion of your personal information. We'll remove your data while retaining necessary information for legal compliance and business operations.
Data Portability
Receive your personal information in a structured, machine-readable format that you can transfer to another service provider if desired.
Restrict Processing
Request that we limit how we use your personal information while maintaining your account access for essential educational services.
Object to Processing
Object to certain types of data processing, particularly for marketing purposes. We'll respect your preferences while maintaining essential service functionality.
How to Exercise Your Rights: Contact our privacy team at info@zephrynoviqlo.sbs or send a written request to our address below. We'll respond to all requests within 30 days and may ask for identity verification to protect your information.
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 and maintain the highest protection standards.
Technical Safeguards
Our platform uses industry-standard encryption protocols to protect data in transit and at rest. We employ secure socket layer (SSL) technology for all data transmissions and maintain encrypted databases with restricted access controls.
Operational Security
Our team follows strict security protocols and receives regular training on data protection best practices. Access to personal information is limited to authorized personnel who require it for their job functions, and all access is logged and monitored.
Incident Response
In the unlikely event of a data breach, we have established procedures to quickly contain the incident, assess the impact, and notify affected users promptly. We maintain relationships with cybersecurity experts and law enforcement to ensure comprehensive incident response.
Data Retention and Deletion
We retain your personal information only as long as necessary to provide our services, comply with legal obligations, and protect our legitimate business interests. Our retention policies are designed to balance your privacy rights with operational requirements.
Retention Periods
Different types of information have different retention periods based on their purpose and legal requirements. Account information is typically retained for as long as your account remains active, while transaction records may be kept longer for financial compliance purposes.
| Data Type | Retention Period | Reason |
|---|---|---|
| Account Information | Duration of account + 1 year | Service provision, support history |
| Course Progress | Duration of account + 6 months | Continuing education, certificate validation |
| Payment Records | 7 years | Financial compliance, tax requirements |
| Communication Logs | 3 years | Support quality, dispute resolution |
Deletion Process
When you request account deletion or when retention periods expire, we securely delete your personal information from our active systems. Some information may be retained in backup systems for a limited period to ensure data integrity and disaster recovery capabilities.
International Data Transfers
As a platform serving users across different regions, we may transfer your personal information to countries outside of Malaysia for processing and storage. All international transfers are conducted with appropriate safeguards to protect your privacy rights.
Transfer Safeguards
We ensure that all international data transfers meet strict privacy standards through contractual agreements, adequacy decisions, and other approved transfer mechanisms. Our service providers are required to implement equivalent data protection measures regardless of their location.
Your Rights During Transfers
Your privacy rights remain protected during international transfers. You can request information about where your data is processed and the safeguards in place. If you have concerns about international transfers, you can contact our privacy team for specific details about your data processing.
Children's Privacy
Our platform is designed for adult learners and we do not knowingly collect personal information from children under 18 years of age. If we discover that we have collected information from a child, we will promptly delete it and terminate any associated account.
Parental Responsibility
Parents and guardians are responsible for monitoring their children's internet activities. If you believe a child has provided personal information to our platform, please contact us immediately so we can remove the information and prevent further collection.
Updates to This Policy
We regularly review and update this privacy policy to reflect changes in our practices, technology, and legal requirements. We will notify you of significant changes through email or prominent notices on our platform.
Change Notification
Material changes to this privacy policy will be communicated at least 30 days before they take effect. We encourage you to review this policy periodically to stay informed about how we protect your privacy.
Policy Version: This privacy policy was last updated on March 15, 2025. Previous versions are available upon request for your reference and comparison.
Contact Our Privacy Team
If you have questions about this privacy policy or how we handle your personal information, please contact us using the information below.
We respond to all privacy inquiries within 48 hours and provide detailed responses to help you understand and exercise your privacy rights.