Privacy Policy

Information We Collect

At helvariumeto, we collect information that helps us provide you with the best financial forecasting and budgeting experience. This includes information you provide directly to us, information we collect automatically when you use our services, and information from third-party sources when necessary.

Personal Information You Provide

• Account Information: Name, email address, phone number, and password when you create an account
• Financial Data: Banking information, income details, expense categories, and budget preferences
• Profile Information: Demographic information, financial goals, and preferences you share with us
• Communication Data: Messages, feedback, and correspondence you send to our support team
• Payment Information: Credit card details, billing addresses, and transaction history for our services

Information We Collect Automatically

• Usage Data: How you interact with our platform, features you use, and time spent on different sections
• Device Information: Device type, operating system, browser version, and unique device identifiers
• Location Data: General location information based on your IP address for fraud prevention
• Cookies and Tracking: Website preferences, session information, and analytics data

How We Use Your Information

We use the information we collect to provide, maintain, and improve our financial services. Your data helps us create personalized budgeting experiences, generate accurate financial forecasts, and ensure the security of your account.

Data Sharing and Disclosure

We don't sell your personal information to third parties. However, we may share your information in specific circumstances to provide our services, comply with legal obligations, or protect our users' interests.

When We Share Information

• Service Providers: Trusted third parties who help us operate our platform, process payments, and provide customer support
• Financial Institutions: Banks and financial service providers to facilitate account connections and transaction data retrieval
• Legal Requirements: When required by law, court orders, or government requests
• Business Transfers: In the event of a merger, acquisition, or sale of company assets
• Consent: When you explicitly authorize us to share information with specific third parties

Your Rights and Choices

You have significant control over your personal information. We respect your privacy rights and provide multiple ways for you to access, update, and control how your data is used.

Your Privacy Rights

• Access: Request a copy of all personal information we have about you
• Correction: Update or correct inaccurate information in your account
• Deletion: Request deletion of your personal information, subject to legal requirements
• Portability: Receive your data in a structured, commonly used format
• Restriction: Limit how we process your information in certain circumstances
• Objection: Object to processing based on legitimate interests
• Withdrawal: Withdraw consent for marketing communications at any time

To exercise these rights, contact us using the information provided at the end of this policy. We'll respond to your request within 30 days and may need to verify your identity before processing certain requests.

Data Security and Protection

We implement comprehensive security measures to protect your information from unauthorized access, alteration, disclosure, or destruction. Your financial data is particularly sensitive, and we treat it with the highest level of security.

Security Measures

• Encryption: All data is encrypted in transit and at rest using industry-standard AES-256 encryption
• Access Controls: Strict employee access controls with multi-factor authentication and regular access reviews
• Network Security: Firewalls, intrusion detection systems, and regular security monitoring
• Regular Audits: Independent security audits and vulnerability assessments
• Data Minimization: We collect and retain only the information necessary for our services
• Secure Development: Security-by-design principles in all our development processes

Data Retention and Deletion

We retain your information only as long as necessary to provide our services, comply with legal obligations, and protect our legitimate business interests. Different types of data have different retention periods based on their purpose and legal requirements.

International Data Transfers

As a Malaysian-based company serving users across different regions, we may transfer your information internationally for processing and storage. We ensure all international transfers meet strict data protection standards.

When we transfer personal information outside Malaysia, we use appropriate safeguards such as standard contractual clauses, adequacy decisions, or other approved transfer mechanisms to ensure your data remains protected according to international standards.

Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience on our platform, remember your preferences, and analyze how our services are used. You can control cookie settings through your browser preferences.

Types of Cookies We Use

• Essential Cookies: Required for basic platform functionality and security
• Performance Cookies: Help us understand how users interact with our platform
• Functional Cookies: Remember your preferences and settings
• Targeting Cookies: Used for personalized content and relevant communications

Updates to This Policy

We may update this privacy policy from time to time to reflect changes in our practices, services, or legal requirements. We'll notify you of any material changes through email or prominent notices on our platform.

We encourage you to review this policy periodically to stay informed about how we protect your information. Your continued use of our services after policy updates constitutes acceptance of the revised terms.