Privacy Policy
Your privacy matters to us. This policy explains how Quentivara collects, uses, and protects your personal information when you use our budget planning platform.
Last Updated: December 2024Information We Collect
When you use Quentivara's budget planning services, we collect different types of information to provide you with personalized financial guidance and secure platform access. The information we gather falls into several categories, each serving specific purposes in delivering our services.
Personal Information
- Full name and contact details including email address and phone number
- Date of birth for age verification and financial planning purposes
- Employment information and income details for budget calculations
- Banking information for account linking and transaction categorization
- Identity verification documents as required by Malaysian financial regulations
Financial Data
We collect comprehensive financial information to create accurate budget plans and spending insights. This includes transaction histories, account balances, investment portfolios, debt obligations, and recurring payment patterns. All financial data is encrypted and stored according to Malaysian banking security standards.
Usage Information
Our platform automatically collects data about how you interact with our services, including pages visited, features used, time spent on different sections, and device information. This helps us improve our platform and provide better user experiences.
How We Use Your Information
Your information enables us to deliver personalized budget planning services while maintaining the highest security standards. We use your data responsibly and only for purposes that directly benefit your financial planning experience.
Primary Uses: Creating personalized budget plans, tracking spending patterns, providing financial insights, sending account notifications, and ensuring platform security. We never sell your personal information to third parties.
- Generating customized budget recommendations based on your income and spending habits
- Providing real-time alerts for unusual spending or budget threshold breaches
- Creating detailed financial reports and progress tracking
- Improving our algorithms to provide more accurate financial predictions
- Complying with Malaysian financial regulations and reporting requirements
- Preventing fraud and maintaining account security
Data Sharing and Third Parties
We maintain strict control over your personal information and only share data when necessary for service delivery or legal compliance. Our partnerships with financial institutions and service providers are governed by comprehensive data protection agreements.
| Third Party Type | Information Shared | Purpose |
|---|---|---|
| Banking Partners | Account verification data | Secure account linking and transaction sync |
| Security Providers | Login and device information | Fraud prevention and account protection |
| Analytics Services | Anonymized usage data | Platform improvement and optimization |
| Regulatory Bodies | Required compliance data | Legal and regulatory obligations |
We never share your complete financial profile with marketing companies or non-essential third parties. Any data sharing arrangement includes strict confidentiality clauses and data minimization principles.
Your Privacy Rights
Under Malaysian privacy laws and our commitment to data protection, you have comprehensive rights regarding your personal information. These rights ensure you maintain control over your data throughout your relationship with Quentivara.
Access and Portability
You can request a complete copy of all personal data we hold about you, including transaction histories, budget plans, and account settings. We provide this information in commonly used electronic formats within 30 days of your request.
Correction and Updates
You can correct inaccurate information through your account settings or by contacting our support team. For complex changes involving financial data, we may require additional verification to ensure account security.
Deletion and Retention
You can request deletion of your account and associated data, though some information may be retained for legal compliance periods as required by Malaysian financial regulations. We clearly explain what data remains and why during the deletion process.
Data Security Measures
Protecting your financial information is our highest priority. We implement multiple layers of security controls, from encryption and access restrictions to regular security audits and staff training programs.
Bank-Level Security: We use the same encryption standards as Malaysian banks, including 256-bit SSL encryption for data transmission and AES-256 encryption for data storage. Your information is protected both in transit and at rest.
- Multi-factor authentication for all account access
- Regular penetration testing and vulnerability assessments
- Segregated data storage with role-based access controls
- 24/7 security monitoring and incident response procedures
- Regular staff security training and background checks
- Compliance with Malaysian Personal Data Protection Act requirements
International Data Transfers
While we primarily store data within Malaysia, some services may involve data processing in other countries with adequate data protection standards. We ensure all international transfers comply with Malaysian data protection requirements and include appropriate safeguards.
When international transfers are necessary, we use standard contractual clauses approved by Malaysian authorities and ensure receiving countries provide equivalent protection levels. You'll be notified of any significant changes to our data storage locations.
Cookies and Tracking
Our platform uses cookies and similar technologies to enhance your experience, remember your preferences, and analyze platform usage. We categorize cookies by their purpose and provide you with control over non-essential cookies.
Essential Cookies
These cookies are necessary for basic platform functionality, including login sessions, security features, and core budget planning tools. These cannot be disabled without affecting platform operation.
Analytics and Performance
We use analytics cookies to understand how users interact with our platform, identify popular features, and detect technical issues. This data is anonymized and helps us improve our services.
You can manage cookie preferences through your browser settings or our cookie preference center. Disabling certain cookies may limit some platform features but won't prevent core budget planning functionality.
Updates to This Policy
We review and update this privacy policy regularly to reflect changes in our services, legal requirements, or privacy practices. Significant changes will be communicated through email notifications and prominent platform notices.
Minor updates, such as clarifications or contact information changes, will be posted directly to this page with updated timestamps. We encourage you to review this policy periodically to stay informed about how we protect your information.
For material changes that affect how we use your data, we'll provide at least 30 days' notice and may require your consent for continued service use under the new terms.
Privacy Questions and Contact
If you have questions about this privacy policy or how we handle your personal information, our privacy team is ready to help.
Email: [email protected]
Phone: +6045850167
Address: G08, Jalan Pinang 52, Taman Daya, 81100 Johor Bahru, Johor, Malaysia
We typically respond to privacy inquiries within 48 hours and aim to resolve all concerns promptly and thoroughly.