Privacy Policy
equarialunthos Personal Finance Platform
Last Updated: January 15, 2025
Introduction
At equarialunthos, we understand that your privacy is fundamental to building trust. This comprehensive privacy policy explains how we collect, use, protect, and share your personal information when you use our personal finance platform and services. We're committed to being transparent about our data practices and giving you control over your personal information.
By using our services at equarialunthos.sbs, you agree to the collection and use of information in accordance with this policy. We encourage you to read this policy carefully and contact us if you have any questions about how we handle your personal data.
Information We Collect
We collect several types of information to provide and improve our personal finance services. Understanding what we collect helps you make informed decisions about sharing your information with us.
Name, email address, phone number, and password when you create an account
Age, location, financial goals, income range, and investment preferences
Messages you send us, feedback, survey responses, and support requests
Bank account details, spending patterns, and budget information you choose to share
- Device information including IP address, browser type, operating system, and device identifiers
- Usage data such as pages visited, time spent on our platform, and feature interactions
- Location data when you enable location services for relevant financial tools
- Cookies and similar tracking technologies to enhance your experience
- Log files containing technical information about your use of our services
How We Use Your Information
We use the information we collect to provide personalized financial education, improve our services, and communicate with you effectively. Here's how we put your data to work:
- Personalizing your learning experience with relevant financial content and recommendations
- Providing customer support and responding to your inquiries and feedback
- Analyzing usage patterns to improve our platform's functionality and user experience
- Sending you educational content, newsletters, and platform updates you've subscribed to
- Detecting and preventing fraud, security threats, and other harmful activities
- Complying with legal obligations and responding to lawful requests from authorities
- Conducting research and analytics to develop new features and improve existing ones
- Processing transactions and maintaining accurate financial records
Important: We never sell your personal information to third parties. Any data sharing is done in accordance with this policy and with your explicit consent where required by law.
Information Sharing and Disclosure
We share your information only in specific circumstances and always with appropriate safeguards in place. Transparency about when and why we share data is crucial to maintaining your trust.
- With service providers who help us operate our platform, such as hosting services, payment processors, and analytics providers
- When required by law, court order, or government request
- To protect our rights, property, or safety, or that of our users or others
- In connection with a business transaction like a merger, acquisition, or sale of assets
- With your explicit consent for specific purposes
- With financial institutions when you authorize us to connect your accounts
We work with trusted partners to provide certain services. These partners are contractually obligated to protect your information and use it only for the purposes we specify. We regularly review and monitor these partnerships to ensure they meet our privacy standards.
Your Privacy Rights
You have significant control over your personal information. We've designed our systems to make it easy for you to exercise these rights and manage your privacy preferences.
Request a copy of all personal information we have about you, including how we've used it and who we've shared it with.
Update or correct any inaccurate or incomplete personal information in your account settings or by contacting us.
Request deletion of your personal information, subject to legal requirements and legitimate business needs.
Limit how we use your personal information while maintaining your account and essential services.
Receive your personal information in a structured, commonly used format that you can transfer to another service.
Unsubscribe from marketing communications and opt out of certain data collection practices.
How to Exercise Your Rights: Contact us at info@equarialunthos.sbs or use the privacy controls in your account settings. We'll respond to your request within 30 days and may need to verify your identity to protect your information.
Data Security
Protecting your personal information is our top priority. We implement multiple layers of security to safeguard your data against unauthorized access, alteration, disclosure, or destruction.
- Industry-standard encryption for data in transit and at rest
- Multi-factor authentication for account access
- Regular security audits and penetration testing
- Secure data centers with physical access controls
- Employee training on data protection and privacy best practices
- Incident response procedures for potential security breaches
- Regular software updates and security patches
While we implement strong security measures, your cooperation is essential. Use strong, unique passwords, enable two-factor authentication, and never share your login credentials. Report any suspicious activity immediately.
Data Retention
We retain your personal information only as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements. Different types of information have different retention periods based on their purpose and legal requirements.
- Account information: Retained while your account is active and for 7 years after closure for compliance purposes
- Financial data: Kept according to financial regulations, typically 7-10 years
- Usage data: Anonymized after 2 years and retained for analytics
- Communication records: Maintained for 3 years for customer service purposes
- Marketing data: Deleted immediately upon unsubscription
When we no longer need your information, we securely delete or anonymize it using industry-standard methods. You can request earlier deletion of your data, subject to legal and regulatory requirements.
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 that any international transfers comply with applicable privacy laws and provide adequate protection for your data.
When we transfer data internationally, we use appropriate safeguards such as standard contractual clauses, adequacy decisions, or other legally approved mechanisms. We work only with service providers who commit to protecting your information according to our standards.
Children's Privacy
Our services are designed for adults aged 18 and older. We do not knowingly collect personal information from children under 18. If we discover that we have inadvertently collected information from a child, we will delete it immediately.
Parents or guardians who believe their child has provided us with personal information should contact us immediately. We encourage parents to monitor their children's online activities and teach them about sharing personal information safely.
Cookies and Tracking
We use cookies and similar technologies to enhance your experience on our platform. These technologies help us remember your preferences, analyze usage patterns, and provide personalized content.
- Essential cookies: Required for basic functionality and security
- Performance cookies: Help us understand how you use our platform
- Functionality cookies: Remember your preferences and settings
- Analytics cookies: Provide insights into user behavior and platform performance
You can control cookies through your browser settings, but disabling certain cookies may affect your ability to use some features of our platform. We respect your choices and provide clear information about our cookie practices.
Changes to This Policy
We may update this privacy policy periodically to reflect changes in our practices, technology, legal requirements, or other factors. We'll notify you of any significant changes through your account email or by posting a notice on our platform.
We encourage you to review this policy regularly to stay informed about how we're protecting your information. The date at the top of this policy indicates when it was last updated. Continued use of our services after changes become effective constitutes acceptance of the updated policy.
If you have questions about this privacy policy or how we handle your personal information, we're here to help.
Email: info@equarialunthos.sbs
Phone: +6088488641
Address: King Centre, 93350 Kuching, Sarawak, Malaysia
We respond to privacy inquiries within 48 hours and work to resolve any concerns promptly.