Privacy Policy
Your privacy matters to us at Zethaxivra
Last updated: January 15, 2025
Information We Collect
We collect various types of information to provide and improve our financial education services. The information we gather helps us understand your learning preferences and deliver personalized budgeting guidance.
Personal Information
- Name, email address, and contact information when you register for our services
- Demographic information such as age range and location for educational customization
- Financial goals and budgeting preferences you share with us voluntarily
- Communication preferences and feedback about our educational content
Usage Information
We automatically collect information about how you interact with our platform, including pages visited, time spent on educational modules, and progress through our budgeting courses. This helps us improve our educational content and user experience.
Technical Information
We collect technical data such as your IP address, browser type, device information, and operating system. This information helps us ensure our platform works properly across different devices and browsers.
How We Use Your Information
Your information helps us deliver personalized financial education and improve our budgeting skills platform. We use your data responsibly and only for legitimate business purposes.
- Providing access to our educational content and budgeting tools
- Personalizing your learning experience based on your financial goals
- Sending educational newsletters and updates about new budgeting resources
- Analyzing user behavior to improve our educational content and platform functionality
- Responding to your questions and providing customer support
- Ensuring platform security and preventing unauthorized access
- Complying with legal obligations and regulatory requirements
Important Note
We never use your personal information for automated decision-making that could significantly impact you. All educational recommendations are based on general financial principles, not automated profiling of your personal data.
Information Sharing and Disclosure
We respect your privacy and don't sell your personal information to third parties. However, there are specific circumstances where we may share your information, always with appropriate safeguards in place.
Service Providers
We work with trusted third-party service providers who help us operate our platform, including hosting services, email delivery systems, and analytics tools. These providers have access to your information only to perform specific tasks and are contractually obligated to protect your data.
Legal Requirements
We may disclose your information if required by law, regulation, or legal process, including responding to court orders, subpoenas, or regulatory inquiries. We'll notify you of such requests unless prohibited by law.
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 before your personal information is transferred and becomes subject to a different privacy policy.
Data Security and Protection
We implement comprehensive security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. Our security practices include both technical and organizational safeguards.
- Encryption of sensitive data both in transit and at rest using industry-standard protocols
- Regular security audits and vulnerability assessments of our systems
- Access controls ensuring only authorized personnel can access personal information
- Secure hosting infrastructure with multiple layers of protection
- Regular backup procedures to ensure data integrity and availability
- Employee training on data protection and privacy best practices
While we strive to protect your information, no security system is completely foolproof. We encourage you to take steps to protect your account, such as using strong passwords and logging out when finished using our platform.
Your Rights and Choices
You have several rights regarding your personal information. We're committed to honoring these rights and providing you with control over your data.
Access and Correction
You can request access to the personal information we hold about you and ask us to correct any inaccuracies. We'll respond to your request within 30 days and provide you with a copy of your information in a commonly used format.
Deletion and Portability
You can request deletion of your personal information, subject to certain legal exceptions. You also have the right to request your data in a portable format if you wish to transfer it to another service provider.
Communication Preferences
You can opt out of marketing communications at any time by clicking the unsubscribe link in our emails or updating your preferences in your account settings. However, you'll still receive important service-related communications.
Exercising Your Rights
To exercise any of these rights, contact us using the information provided at the end of this policy. We may need to verify your identity before processing your request to ensure the security of your personal information.
Data Retention
We retain your personal information for as long as necessary to provide our services and fulfill the purposes outlined in this privacy policy. Our retention periods are based on business needs and legal requirements.
- Account information is retained while your account is active and for up to 3 years after account closure
- Learning progress and course completion data is kept for up to 5 years for educational record purposes
- Communication records are retained for up to 2 years after the last interaction
- Technical logs and usage data are typically retained for up to 1 year for security and improvement purposes
- Financial transaction records are kept for up to 7 years as required by applicable laws
After the retention period expires, we securely delete or anonymize your personal information. In some cases, we may retain information longer if required by law or for legitimate business purposes, such as fraud prevention or legal proceedings.
International Data Transfers
As a Malaysia-based company serving users globally, we may transfer your personal information to countries outside Malaysia for processing and storage. We ensure appropriate safeguards are in place for such transfers.
When we transfer your information internationally, we use mechanisms such as standard contractual clauses, adequacy decisions, or other legally recognized transfer mechanisms. We work only with service providers who commit to providing adequate protection for your personal information.
Cross-Border Processing
By using our services, you acknowledge that your information may be processed in countries with different data protection laws than your own. We ensure these transfers comply with applicable privacy laws and maintain appropriate security standards.
Cookies and Tracking Technologies
We use cookies and similar tracking technologies to enhance your experience on our platform. These technologies help us understand how you use our services and improve our educational content.
Types of Cookies We Use
- Essential cookies that are necessary for the platform to function properly
- Performance cookies that help us understand how users interact with our content
- Functionality cookies that remember your preferences and settings
- Analytics cookies that provide insights into user behavior and content effectiveness
You can control cookie settings through your browser preferences. However, disabling certain cookies may affect the functionality of our platform and your ability to access some features.
Children's Privacy
Our services are designed for adults and we don't knowingly collect personal information from children under 13 years of age. If we discover that we've inadvertently collected information from a child under 13, we'll promptly delete that information.
Parents and guardians who believe their child has provided personal information to us should contact us immediately. We encourage parents to monitor their children's online activities and to help enforce this policy by instructing their children never to provide personal information without permission.
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'll notify you of significant changes through email or prominent notices on our platform.
We encourage you to review this policy periodically to stay informed about how we protect your information. The date of the last update is shown at the top of this policy. Your continued use of our services after any changes indicates your acceptance of the updated policy.
If we make material changes that significantly affect your rights or how we handle your personal information, we'll provide additional notice and may require your explicit consent before implementing such changes.
Contact Us About Privacy
If you have questions about this privacy policy or our data practices, please contact us:
Email: info@zethaxivra.sbs
Phone: +60198598928
Address: 2nd Floor, Sublot 58, Block D, Queen's Court, Jalan Wan Alwi, 93350 Kuching, Sarawak, Malaysia
We're committed to addressing your privacy concerns and will respond to your inquiry within 5 business days.