Privacy Policy

Our Privacy Commitment

At Novarilumetos, we take your privacy seriously and are committed to protecting your personal information in accordance with Malaysian privacy laws and international best practices.

This policy explains how we collect, use, store, and protect your information when you use our financial planning consultation services.

Information We Collect

We collect information necessary to provide effective financial planning consultations and maintain our service quality.

Personal Information

• Name, contact details, and identification information
• Financial information relevant to your consultation needs
• Communication preferences and interaction history
• Feedback and survey responses about our services

Usage Data

We automatically collect information about how you interact with our website, including pages visited, time spent, and technical information about your device and browser.

How We Use Your Information

Your information is used exclusively to provide and improve our financial planning consultation services.

• Provide personalized financial planning consultations
• Communicate about your consultations and follow-up services
• Improve our services based on client feedback and usage patterns
• Comply with legal and regulatory requirements
• Send relevant updates about our services (with your consent)

Legal Basis for Processing

We process your personal data based on the following legal grounds under Malaysian law.

Primary Legal Basis: We process your data on the basis of consent and legitimate business interests in providing financial consultation services

How We Share Information

We do not sell your personal information and only share it in limited circumstances necessary for service delivery.

• With trusted service providers who assist in delivering our services (under strict confidentiality agreements)
• When required by law or to comply with legal proceedings
• To protect our rights, property, or safety, or that of our clients or others

Data Security

We implement comprehensive security measures to protect your personal information, including encryption, secure storage systems, and regular security audits. However, no system is completely secure, and we cannot guarantee absolute security.

Your Privacy Rights

Under Malaysian privacy laws, you have several important rights regarding your personal information.

• Access — request a copy of personal information we hold about you
• Correction — request correction of inaccurate or incomplete information
• Deletion — request deletion of your personal information where legally permissible
• Withdrawal — withdraw consent for processing where consent is the legal basis
• Complaint — lodge a complaint with relevant privacy authorities

Cookies and Tracking

Our website uses cookies to enhance your experience and provide analytics insights.

For detailed information about our cookie practices, please review our Cookie Policy.

Data Retention

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. Client consultation records are typically retained for 7 years in accordance with Malaysian financial regulations.

Children's Privacy

Our services are intended for adults aged 18 and older. We do not knowingly collect personal information from children under 18 years of age.

Changes to This Policy

We may update this privacy policy periodically to reflect changes in our practices, technology, or legal requirements. We will notify you of significant changes through email or website notices.

Contact Us

If you have questions about this privacy policy or want to exercise your privacy rights, please contact us.