Privacy Policy

When you use kalvirexxagency's budgeting platform, we collect information that helps us provide personalized financial guidance. This includes your name, email address, phone number, and postal address when you create an account or contact us. We also collect financial information you choose to share, such as income ranges, expense categories, and budgeting goals to customize your learning experience.

Our platform automatically collects certain technical information to improve your experience and ensure security. This includes your IP address, browser type, device information, and how you interact with our website. We use cookies and similar technologies to remember your preferences and analyze usage patterns.

kalvirexxagency uses your information primarily to deliver educational content about budgeting and financial management skills. We analyze your learning preferences to recommend relevant courses, webinars, and resources that match your financial goals. Your data helps us understand which educational approaches work best for different learning styles.

kalvirexxagency operates with a strict policy of not selling your personal information to third parties. We only share information in specific circumstances that directly support your use of our platform or when required by law. Any sharing is done with appropriate safeguards to protect your privacy.

We work with trusted service providers who help us deliver our educational platform. These include email service providers for course notifications, payment processors for premium features, and cloud hosting services for secure data storage. All service providers are contractually required to protect your information and use it only for specified purposes.

In rare circumstances, we may disclose your information when required by law, such as responding to valid legal requests, court orders, or government regulations. We also reserve the right to share information if necessary to protect the safety of our users or the integrity of our platform.

Protecting your personal information is fundamental to how we operate kalvirexxagency. We implement multiple layers of security measures to safeguard your data both during transmission and storage. Our security protocols are regularly updated to address emerging threats and maintain the highest standards of protection.

You have significant control over your personal information and how it's used within kalvirexxagency's platform. We believe in transparency and provide multiple ways for you to manage your privacy preferences, access your data, and make informed decisions about your information.

You can access most of your personal information through your account dashboard at any time. This includes updating your contact details, modifying your learning preferences, and reviewing your course history. If you need assistance accessing information not available in your dashboard, our support team can help you obtain a complete copy of your data.

You have the right to request deletion of your personal information. When you delete your account, we remove your personal data from our active systems within 30 days. Some information may be retained for legitimate business purposes, such as preventing fraud or complying with legal requirements, but this is limited to the minimum necessary.

You can opt out of marketing emails at any time by clicking the unsubscribe link in any email we send you. Even if you opt out of marketing communications, we may still send you important account-related notifications, such as security updates or changes to our terms of service.

kalvirexxagency uses cookies and similar technologies to enhance your experience on our platform. These small files help us remember your preferences, keep you logged in, and understand how you use our services. You have control over cookie settings and can modify them according to your preferences.

You can manage cookie preferences through your browser settings or our cookie preference center. Disabling certain cookies may affect some platform features, but essential functionality will remain available.

While kalvirexxagency operates primarily in Malaysia, some of our service providers may process your information in other countries. When this occurs, we ensure appropriate safeguards are in place to protect your privacy rights. We only work with providers who meet strict data protection standards and have proper legal frameworks for international data transfers.

kalvirexxagency's budgeting education platform is designed for adults and we do not knowingly collect personal information from children under 13 years of age. If we discover that we have inadvertently collected information from a child under 13, we will delete it immediately. Parents or guardians who believe we may have collected information from a child should contact us immediately.

We may update this privacy policy periodically to reflect changes in our practices, technology, or legal requirements. When we make significant changes, we will notify you through email or a prominent notice on our platform. We encourage you to review this policy regularly to stay informed about how we protect your information.

We retain your personal information only as long as necessary to provide our educational services and comply with legal obligations. Different types of information have different retention periods based on their purpose and legal requirements.