Privacy Policy
Your privacy matters to us at caridomnueva
Introduction
At caridomnueva, we take your privacy seriously. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website caridomnueva.org and use our personal budgeting services. We are committed to protecting your personal data in accordance with Malaysia's Personal Data Protection Act 2010 (PDPA) and international best practices.
This policy applies to all users of our financial planning platform, whether you're accessing our budgeting tools, educational resources, or customer support services. By using our services, you consent to the data practices described in this policy.
Important Notice: We never sell your personal financial data to third parties. Your budgeting information and financial details remain strictly confidential and are used solely to provide you with personalized financial guidance and platform functionality.
Information We Collect
We collect information that you provide directly to us, information we obtain automatically when you use our services, and information from third-party sources where legally permitted. The types of information we collect include:
Personal Information You Provide
- Full name, email address, and contact details when you create an account
- Financial information such as income, expenses, and budget categories you enter
- Payment information when you subscribe to premium features
- Communication preferences and customer service interactions
- Profile information including financial goals and preferences
- Survey responses and feedback you choose to provide
Automatically Collected Information
- Device information including IP address, browser type, and operating system
- Usage data such as pages visited, features used, and time spent on platform
- Location data based on IP address for service customization
- Cookies and similar tracking technologies for platform functionality
- Log files recording system activity and performance metrics
How We Use Your Information
We use the information we collect for various purposes related to providing and improving our budgeting services. Our primary goal is to help you achieve better financial wellness through personalized tools and guidance.
| Purpose | Data Used | Legal Basis |
|---|---|---|
| Account management and service delivery | Contact details, financial data, preferences | Contract performance |
| Personalized budgeting recommendations | Income, expenses, spending patterns | Legitimate interest |
| Customer support and communication | Contact information, service history | Contract performance |
| Platform security and fraud prevention | Device data, usage patterns, IP address | Legitimate interest |
| Service improvement and development | Aggregated usage data, feedback | Legitimate interest |
Data Sharing and Disclosure
We do not sell, trade, or rent your personal information to third parties. However, we may share your information in specific circumstances outlined below, always ensuring appropriate safeguards are in place to protect your privacy.
Service Providers
We work with trusted third-party service providers who assist us in operating our platform, conducting business, or serving our users. These partners include cloud hosting providers, payment processors, customer support platforms, and analytics services. All service providers are contractually bound to protect your data and use it only for specified purposes.
Legal Requirements
We may disclose your information when required by law, such as responding to court orders, legal processes, or government requests. We may also share information to protect our rights, property, or safety, or that of our users or the public, including cooperation with law enforcement when legally obligated.
Your Privacy Rights
Under Malaysia's Personal Data Protection Act and international privacy standards, you have several rights regarding your personal data. We provide easy-to-use tools and processes to help you exercise these rights.
Access Right
Request a copy of all personal data we hold about you, including how it's being used and who it's shared with.
Correction Right
Update or correct any inaccurate or incomplete personal information in your account at any time.
Deletion Right
Request deletion of your personal data, subject to legal and contractual obligations we may have.
Portability Right
Request your data in a commonly used format to transfer to another service provider.
Object Right
Object to processing of your data for certain purposes, including direct marketing communications.
Restriction Right
Limit how we process your data in specific circumstances while maintaining your account.
Data Security Measures
We implement comprehensive security measures to protect your personal and financial information from unauthorized access, alteration, disclosure, or destruction. Our security framework includes both technical and organizational safeguards designed to ensure the confidentiality, integrity, and availability of your data.
Technical Safeguards
- 256-bit SSL encryption for all data transmission between your device and our servers
- Advanced encryption at rest for all stored financial data using industry-standard algorithms
- Multi-factor authentication options to secure account access
- Regular security audits and vulnerability assessments by independent security firms
- Automated monitoring systems for suspicious activity and potential security threats
- Secure data centers with physical access controls and environmental monitoring
Organizational Safeguards
- Employee background checks and confidentiality agreements for all staff
- Regular privacy and security training programs for all team members
- Access controls ensuring employees can only access data necessary for their role
- Incident response procedures for potential data breaches or security events
- Data retention policies to minimize storage of unnecessary personal information
Data Retention and Storage
We retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. Our retention periods are based on the nature of the information and the purposes for which it is collected and used.
Account Data: We retain your account information and financial data for as long as your account remains active. After account deletion, most data is removed within 30 days, though some information may be retained for legal compliance purposes.
Transaction Records: Financial transaction data may be retained for up to 7 years to comply with Malaysian financial regulations and tax requirements.
International Data Transfers
While caridomnueva is based in Malaysia and primarily processes data locally, some of our service providers may be located in other countries. When we transfer your personal data internationally, we ensure appropriate safeguards are in place to protect your information according to Malaysian data protection standards.
We only work with international partners who demonstrate adequate data protection measures and agree to protect your information to the same standards we maintain. All international data transfers are governed by appropriate legal frameworks and contractual protections.
Cookies and Tracking Technologies
We use cookies and similar technologies to enhance your experience on our platform, remember your preferences, and analyze how our services are used. You can control cookie settings through your browser, though disabling certain cookies may affect platform functionality.
Types of Cookies We Use
- Essential cookies required for basic platform functionality and security
- Preference cookies that remember your settings and customization choices
- Analytics cookies that help us understand how users interact with our platform
- Performance cookies that monitor platform speed and optimize user experience
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. When we make significant changes, we will notify you by email or through a prominent notice on our platform at least 30 days before the changes take effect.
We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information. Your continued use of our services after any changes indicates your acceptance of the updated policy.
Contact Us About Privacy
If you have questions, concerns, or requests regarding this Privacy Policy or how we handle your personal information, please contact us using the information below. We aim to respond to all privacy inquiries within 14 business days.
Effective Date: This Privacy Policy is effective as of January 15, 2025
This policy applies to all users of caridomnueva's budgeting platform and associated services. By using our services, you acknowledge that you have read and understood this Privacy Policy.