Privacy Policy
We value your privacy and are committed to protecting your personal information. This policy explains how we collect, use, and safeguard your data when you use our services.
Information We Collect
At Capitalvectors, we collect various types of information to provide you with our flexible budgeting platform services and improve your experience. The information we gather falls into several categories, each serving specific purposes in delivering our financial management tools.
We automatically collect information about how you interact with our platform, including your IP address, browser type, device information, and usage patterns. This data helps us understand user preferences and optimize our services accordingly.
We never collect sensitive financial data like passwords or PIN numbers for your bank accounts. All financial connections are made through secure, encrypted third-party services.
How We Use Your Information
Your information enables us to deliver personalized budgeting solutions and maintain the security of our platform. We've designed our data usage practices to be transparent and focused on providing value to our users while respecting their privacy rights.
| Data Type | Purpose | Retention Period |
|---|---|---|
| Account Information | Service delivery and personalization | Duration of account plus 7 years |
| Financial Data | Budget analysis and recommendations | Duration of account plus 5 years |
| Usage Analytics | Platform improvement and optimization | 24 months maximum |
| Communication Records | Customer support and service quality | 3 years from last contact |
Data Sharing and Third Parties
We maintain strict controls over data sharing and only work with trusted partners who meet our security standards. Your personal information is never sold to third parties, and we limit sharing to essential service providers and legal requirements.
We share necessary information with payment processors, banking data providers, and cloud hosting services that help deliver our platform. All partners are contractually obligated to protect your data and use it only for specified purposes.
We may disclose information when required by Malaysian law, court orders, or regulatory authorities. This includes compliance with financial regulations, anti-money laundering requirements, and legitimate government requests.
We will notify you of any data requests unless prohibited by law, and we challenge requests that we believe are overly broad or inappropriate.
Your Privacy Rights
You have significant control over your personal information and how we use it. These rights are designed to give you transparency and control over your data while allowing us to continue providing valuable services.
To exercise any of these rights, contact us using the information provided below. We'll respond to your request within 30 days and may need to verify your identity before processing certain requests. Some rights may be limited by legal or regulatory requirements.
Data Security Measures
Protecting your financial information is our top priority. We implement multiple layers of security using industry-standard encryption, secure servers, and strict access controls to safeguard your data against unauthorized access or disclosure.
While we implement robust security measures, no system is completely immune to threats. We continuously monitor for potential vulnerabilities and update our security practices to address emerging risks in the financial technology sector.
International Data Transfers
Our primary data processing occurs within Malaysia, but some of our trusted service providers may process data in other countries. When we transfer data internationally, we ensure appropriate safeguards are in place to protect your information.
All international transfers comply with Malaysian data protection requirements and include contractual protections to ensure your data receives the same level of protection regardless of location.
Cookies and Tracking Technologies
We use cookies and similar technologies to enhance your experience on our platform, remember your preferences, and analyze usage patterns. You can control cookie settings through your browser, though some features may not function properly if cookies are disabled.
Children's Privacy
Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from minors. If we become aware that we have collected information from someone under 18, we will delete that information promptly.
Parents or guardians who believe their child has provided us with personal information should contact us immediately so we can remove the information from our systems.
Changes to This Policy
We may update this privacy policy periodically to reflect changes in our practices, technology, or legal requirements. We'll notify you of significant changes through email or prominent notices on our platform at least 30 days before any changes take effect.
Your continued use of our services after policy changes indicates your acceptance of the updated terms. We encourage you to review this policy regularly to stay informed about how we protect your privacy.
Privacy Questions & Concerns
If you have questions about this privacy policy or how we handle your data, we're here to help.
Email: privacy@capitalvectors.com
Phone: +6088532688
Address: Lot 436, 437, Jln Kulas, Kampung Bandarshah, 93400 Kuching, Sarawak, Malaysia