Introduction and Scope

aureliqnovae operates as a comprehensive financial decision-making platform designed to help individuals and businesses make informed financial choices. This privacy policy explains how we collect, use, store, and protect your personal information when you visit our website, use our services, or interact with our platform in any capacity.

Our commitment to protecting your privacy extends beyond mere compliance with Malaysian data protection laws. We believe that transparency about our data practices builds trust and enables you to make informed decisions about sharing your personal information with us. This policy applies to all users of our services, regardless of their location, though specific rights may vary based on applicable local laws.

Information We Collect

We collect various types of information to provide and improve our financial services platform. The information we gather falls into several distinct categories, each serving specific purposes in delivering our services effectively.

• Personal Identification Information: Full name, email address, phone number, date of birth, and government-issued identification numbers when required for verification purposes
• Financial Information: Bank account details, credit history data, income information, employment details, and investment preferences necessary for providing personalized financial guidance
• Technical Information: IP address, browser type, device information, operating system details, and cookies that help us optimize your experience on our platform
• Usage Data: Pages visited, time spent on different sections, features used, search queries, and interaction patterns that help us understand user behavior
• Communication Records: Emails, chat messages, phone call recordings, and support ticket information when you contact our customer service team

How We Use Your Information

Your personal information serves multiple purposes in our commitment to providing exceptional financial services. We use this data strategically to enhance your experience while maintaining the highest standards of security and privacy.

Purpose	Information Used	Legal Basis
Account Management	Personal identification, contact details	Contractual necessity
Financial Analysis	Financial data, usage patterns	Legitimate business interests
Security Monitoring	Technical data, access logs	Legal compliance
Customer Support	Communication records, account information	Contractual necessity

We also use aggregated and anonymized data for research purposes, helping us understand broader financial trends and improve our service offerings. This aggregated data cannot be traced back to individual users and helps us contribute valuable insights to the financial services industry.

Data Sharing and Third Parties

aureliqnovae maintains strict controls over how and when we share your personal information. We never sell your personal data to third parties for marketing purposes, nor do we engage in data brokerage activities. Our data sharing practices are limited to specific circumstances that directly benefit our users or fulfill legal requirements.

We work with carefully vetted service providers who assist us in delivering our financial services. These partnerships include payment processors, identity verification services, credit bureaus, and cloud storage providers. Each third party must sign comprehensive data processing agreements that require them to maintain the same level of data protection that we provide.

• Financial institutions for account verification and transaction processing
• Credit agencies for creditworthiness assessment when applicable
• Technology service providers for platform maintenance and security
• Legal and compliance advisors when required by law
• Business partners for joint financial products, only with explicit consent

Your Privacy Rights

Under Malaysian data protection laws and our commitment to privacy, you have several fundamental rights regarding your personal information. We've designed straightforward processes to help you exercise these rights effectively.

Data Security Measures

Protecting your financial information requires comprehensive security measures that address both technological and operational aspects of data protection. We've implemented multiple layers of security controls that meet or exceed industry standards for financial services.

Our technical security measures include end-to-end encryption for all data transmissions, advanced firewall systems, regular security audits, and intrusion detection systems. We use bank-level encryption protocols and store your data in secure, geographically distributed data centers with 24/7 monitoring.

From an operational perspective, we maintain strict access controls, ensuring that only authorized personnel can access personal data on a need-to-know basis. All employees undergo comprehensive security training and sign confidentiality agreements. We also conduct regular security assessments and penetration testing to identify and address potential vulnerabilities.

Data Retention and Deletion

We retain your personal information only as long as necessary to fulfill the purposes for which it was collected, comply with legal obligations, and resolve disputes. Different types of information have different retention periods based on their nature and regulatory requirements.

Data Type	Retention Period	Reason
Account Information	7 years after account closure	Financial regulations compliance
Transaction Records	7 years from transaction date	Audit and legal requirements
Communication Logs	3 years from last contact	Customer service quality
Marketing Data	Until consent withdrawn	Ongoing marketing activities

Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to enhance your browsing experience and provide personalized content. We use different types of cookies for various purposes, and we provide you with control over non-essential cookies.

Essential cookies are necessary for basic website functionality and cannot be disabled. These include session cookies that maintain your login status and security cookies that protect against fraudulent activities. Analytics cookies help us understand how visitors interact with our website, allowing us to improve navigation and content.

You can control cookie preferences through your browser settings or our cookie preference center. Disabling certain cookies may affect website functionality, but you'll still be able to access core features of our platform.

International Data Transfers

While aureliqnovae primarily operates within Malaysia, some of our service providers and technology partners are located in other countries. When we transfer your personal data internationally, we ensure adequate protection through appropriate safeguards and legal mechanisms.

We only work with international partners who provide adequate levels of data protection, either through adequacy decisions, standard contractual clauses, or other approved transfer mechanisms. All international transfers are necessary for providing our services and are subject to the same security standards we maintain domestically.

Children's Privacy

Our financial services are designed for adults and we do not knowingly collect personal information from individuals under 18 years of age. If we discover that we have inadvertently collected personal information from a minor, we will delete that information promptly.

Parents or guardians who believe their child has provided personal information to us should contact us immediately so we can take appropriate action to remove such information from our systems.

Changes to This Policy

We review and update this privacy policy regularly to reflect changes in our practices, services, and applicable laws. When we make material changes, we will notify you through email, website notices, or other communication methods at least 30 days before the changes take effect.

We encourage you to review this policy periodically to stay informed about how we protect your privacy. The "Last Updated" date at the top of this policy indicates when the most recent changes were made.