Privacy Policy

Introduction

This privacy policy explains how Fenorivandelos collects, uses, and protects your personal information when you visit our website or use our financial planning consultation services. We are committed to protecting your privacy and handling your data responsibly in accordance with Malaysian data protection laws.

Information We Collect

We collect information you provide directly and information gathered automatically during your website visits

• • Contact details including name, email address, phone number, and postal address
• • Financial information relevant to planning consultations including assets, income, and financial goals
• • Communication records including consultation notes, emails, and support interactions
• • Technical information such as IP address, browser type, and website usage patterns

How We Use Your Information

We use your personal information for the following purposes

• • Providing financial planning consultation services and personalized recommendations
• • Communicating with you about appointments, services, and relevant financial information
• • Improving our services and website functionality based on user feedback and behavior
• • Complying with legal obligations and maintaining accurate business records
• • Sending relevant updates about our services with your consent

Legal Basis for Processing

We process your personal data based on the following legal grounds under Malaysian law

We process your data based on your consent for marketing communications, contract performance for service delivery, and legitimate business interests for service improvement: Consent / Legitimate Interest

How We Share Your Information

We may share your information in the following limited circumstances

• • With professional partners such as tax advisors or legal professionals when necessary for comprehensive planning services
• • With service providers who assist with website functionality, data processing, or business operations under strict confidentiality agreements
• • When required by law, court order, or regulatory authorities in Malaysia

Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. This includes encryption, secure servers, access controls, and regular security assessments to maintain data integrity.

Data Retention

We retain your personal information only as long as necessary to provide our services, comply with legal obligations, or resolve disputes. Client consultation records are typically retained for seven years after service termination in accordance with financial services regulations.

Your Privacy Rights

Under Malaysian data protection laws, you have the following rights regarding your personal information

• • Right to access and obtain copies of your personal data we hold
• • Right to correct inaccurate or incomplete personal information
• • Right to request deletion of your personal data under certain circumstances
• • Right to limit how we process your personal information
• • Right to receive your data in a portable format for transfer to another service provider
• • Right to object to processing based on legitimate interests
• • Right to withdraw consent for marketing communications at any time

Cookies and Tracking

We use cookies and similar technologies to enhance your website experience and analyze site usage patterns.

For detailed information about our cookie usage and your choices, please review our Cookie Policy.

Children's Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from minors without parental consent. If you believe we have collected information from a minor, please contact us immediately.

Changes to Privacy Policy

We may update this privacy policy periodically to reflect changes in our practices or legal requirements. We will notify you of significant changes through email or website notice before they take effect.

Contact Us About Cookies

For questions about this privacy policy or to exercise your rights, please contact our data protection officer