quorinexalvos - Personal Finance Budgeting Platform

Information We Collect

Personal Information

When you create an account with quorinexalvos, we collect personal information that you voluntarily provide. This includes your full name, email address, phone number, and residential address in Malaysia. We also collect professional information such as your employment status, income level, and financial goals to better tailor our budgeting services to your needs.

Financial Data

To provide effective budgeting tools, we collect information about your financial accounts, transaction history, spending patterns, and budget categories. This data is encrypted and processed securely through our Malaysian-based servers. We never store your complete banking credentials or account passwords.

Technical Information

We automatically collect technical data including your IP address, device type, browser information, operating system, and usage patterns on our platform. This information helps us improve our services and ensure optimal performance across different devices commonly used in Malaysia.

Device identifiers and browser fingerprints
Location data (with your explicit consent)
Cookies and similar tracking technologies
Session logs and interaction data
Error reports and diagnostic information

How We Use Your Information

quorinexalvos uses your personal and financial information primarily to deliver personalized budgeting experiences. We analyze your spending patterns to provide insights, recommendations, and automated budget adjustments that align with Malaysian financial practices and local economic conditions.

Service Delivery

Your information enables us to create customized budgeting dashboards, generate spending reports, send budget alerts, and provide financial education content relevant to the Malaysian market. We use machine learning algorithms to identify trends in your spending and suggest optimizations.

Communication and Support

We use your contact information to send important account updates, security notifications, and educational content about financial management. Our customer support team in Malaysia may access your information to resolve issues and provide assistance in English, Malay, or Mandarin as needed.

Account verification and fraud prevention
Personalized financial recommendations
Customer support and troubleshooting
Service improvements and feature development
Regulatory compliance and legal obligations
Marketing communications (with your consent)

We never sell your personal information to third parties or use it for purposes unrelated to our budgeting services without your explicit consent.

Information Sharing and Disclosure

quorinexalvos follows strict data sharing principles aligned with Malaysia's Personal Data Protection Act 2010. We only share your information in specific circumstances and with appropriate safeguards in place to protect your privacy and maintain data security.

Service Providers

We work with trusted third-party service providers based in Malaysia and other countries to support our operations. These include cloud storage providers, payment processors, and analytics services. All service providers are contractually bound to protect your information and use it only for specified purposes.

Legal Requirements

We may disclose your information when required by Malaysian law, court orders, or regulatory authorities such as Bank Negara Malaysia. We also reserve the right to share information to protect our rights, investigate fraud, or ensure user safety.

Business Transfers

In the event of a merger, acquisition, or sale of quorinexalvos, your personal information may be transferred to the acquiring entity. We will notify you of any such changes and ensure that the new entity maintains the same privacy standards outlined in this policy.

Financial institutions for account verification
Government agencies when legally required
Security firms for fraud detection and prevention
Professional advisors including lawyers and auditors
Emergency contacts when user safety is at risk

Data Security and Protection

Protecting your financial information is our top priority. quorinexalvos employs enterprise-grade security measures that meet international standards and comply with Malaysian cybersecurity requirements. Our security framework is regularly audited and updated to address emerging threats.

Technical Safeguards

We use AES-256 encryption to protect data in transit and at rest. Our servers are hosted in secure facilities with redundant backups and 24/7 monitoring. Multi-factor authentication is required for all administrative access, and we implement regular security patches and updates.

Access Controls

Access to your personal information is strictly limited to authorized personnel who require it for their job functions. All employees undergo background checks and sign confidentiality agreements. We maintain detailed access logs and conduct regular reviews of data access patterns.

End-to-end encryption for all data transmission
Regular security audits and penetration testing
Secure development practices and code reviews
Incident response procedures and breach notification
Employee training on data protection and privacy
Physical security measures at data centers

While we implement robust security measures, no system is completely immune to security breaches. We encourage users to maintain strong passwords and report any suspicious activity immediately.

Your Privacy Rights

Under Malaysia's Personal Data Protection Act 2010, you have specific rights regarding your personal information. quorinexalvos is committed to facilitating the exercise of these rights and providing transparent processes for managing your data privacy preferences.

Access and Portability

You have the right to request a copy of all personal information we hold about you. We provide this data in a structured, commonly used format within 30 days of your request. You can also request that we transfer your data directly to another service provider where technically feasible.

Correction and Updates

You can update most of your personal information directly through your quorinexalvos account settings. For information that cannot be changed through the platform, you can contact our customer support team to request corrections or updates.

Deletion and Withdrawal

You may request deletion of your account and associated personal information at any time. We will process deletion requests within 14 days, though some information may be retained for legal compliance or legitimate business purposes such as fraud prevention.

Right to withdraw consent for data processing
Right to restrict processing of your personal data
Right to object to automated decision-making
Right to file complaints with regulatory authorities
Right to receive information about data breaches
Right to designate a representative for privacy matters

To exercise your privacy rights, contact our Data Protection Officer:

Email: privacy@quorinexalvos.org

Phone: +6089211778

Address: 6, Lorong Bandar Sri Indah 1, 91000 Tawau, Sabah, Malaysia

Data Retention and International Transfers

quorinexalvos maintains clear data retention policies that balance user privacy with business requirements and regulatory obligations. We retain your personal information only for as long as necessary to provide our services or as required by Malaysian law.

Retention Periods

Active account information is retained while your account remains open plus an additional 7 years for financial records as required by Malaysian banking regulations. Transaction data and budgeting history are kept for 5 years to enable long-term financial analysis and tax reporting support.

International Data Transfers

Some of our service providers operate outside Malaysia, particularly cloud storage and analytics services in Singapore and Australia. When we transfer data internationally, we ensure appropriate safeguards are in place, including standard contractual clauses and adequacy determinations.

Data Deletion Procedures

When retention periods expire or you request account deletion, we implement secure deletion procedures across all systems and backups. Some anonymized data may be retained for statistical analysis and service improvement purposes, but this data cannot be linked back to your identity.

Account information: Duration of account plus 7 years
Financial transaction data: 5 years from transaction date
Customer support records: 3 years from interaction
Marketing data: Until consent is withdrawn
Security logs: 2 years for incident investigation
Analytics data: 12 months in anonymized form

Cookies and Tracking Technologies

quorinexalvos uses cookies and similar technologies to enhance your browsing experience, analyze platform usage, and provide personalized content. We are transparent about our cookie practices and provide you with control over non-essential cookies.

Types of Cookies

We use essential cookies that are necessary for platform functionality, including authentication, security, and session management. Analytics cookies help us understand how users interact with our platform, while preference cookies remember your settings and customizations.

Third-Party Cookies

Some cookies are placed by third-party services we use for analytics, customer support, and marketing. These include Google Analytics, which helps us understand user behavior and improve our services. You can opt out of third-party cookies through your browser settings or by using our cookie preference center.

Cookie Management

You can control cookie settings through your browser or by using our cookie preference center available in your account settings. Disabling certain cookies may affect platform functionality, but we will clearly indicate which features may be impacted.

Session cookies for authentication and security
Persistent cookies for user preferences and settings
Analytics cookies for usage measurement and optimization
Marketing cookies for personalized content delivery
Social media cookies for content sharing features
Functionality cookies for enhanced user experience

Updates to This Privacy Policy

This privacy policy may be updated periodically to reflect changes in our practices, technology, legal requirements, or business operations. We are committed to providing clear notice of any material changes that may affect how we handle your personal information.

Notification Process

When we make significant changes to this privacy policy, we will notify you through multiple channels including email notifications, platform announcements, and prominent notices on our website. Minor updates such as contact information changes may be communicated through platform notifications only.

Effective Date and Review

Updated versions of this privacy policy become effective 30 days after notification for existing users and immediately for new users. We encourage you to review this policy regularly to stay informed about how we protect your privacy. The current version date is always displayed at the top of this document.

Continued use of quorinexalvos services after policy updates constitutes acceptance of the revised terms. If you disagree with changes, you may close your account before the effective date.

Contact Us About Privacy

For questions about this privacy policy or our data practices:

Email: info@quorinexalvos.org

Phone: +6089211778

Mailing Address: 6, Lorong Bandar Sri Indah 1, 91000 Tawau, Sabah, Malaysia

Business Hours: Monday - Friday, 9:00 AM - 6:00 PM (Malaysia Time)