Privacy Policy
Your privacy matters to us. This policy explains how felmoryhub collects, uses, and protects your personal information when you use our financial education services.
Information We Collect
We collect information that you provide directly to us when using our financial education platform. This helps us deliver personalized learning experiences and improve our services.
| Information Type | Examples | Purpose |
|---|---|---|
| Personal Information | Name, email address, phone number | Account creation and communication |
| Learning Data | Course progress, quiz results, preferences | Personalized learning recommendations |
| Technical Information | IP address, browser type, device information | Platform optimization and security |
| Usage Analytics | Page views, session duration, feature usage | Service improvement and content development |
How We Use Your Information
Your information helps us provide better financial education services. We use this data responsibly and never sell your personal information to third parties.
Important: We never use your personal information for automated decision-making that could significantly impact your financial opportunities or educational access.
Data Sharing and Third Parties
We work with trusted partners to deliver our services, but we maintain strict controls over how your data is shared and used.
Service Providers: We share necessary information with companies that help us operate our platform, such as hosting providers, email services, and payment processors. These partners are contractually required to protect your data and use it only for specified purposes.
Legal Requirements: We may disclose your information when required by law, such as responding to court orders or government requests, or when we believe disclosure is necessary to protect our rights or prevent illegal activities.
Business Transfers: If felmoryhub is acquired or merged with another company, your information may be transferred as part of that transaction. We will notify you of any such changes and ensure your privacy rights remain protected.
Your Privacy Rights
You have significant control over your personal information. Here are the rights you can exercise:
Access Your Data
Request a copy of all personal information we hold about you, including how we obtained it and how we use it.
Correct Information
Update or correct any inaccurate personal information in your account at any time through your profile settings.
Delete Your Account
Request deletion of your account and associated personal data, subject to legal retention requirements.
Limit Processing
Restrict how we process your information for specific purposes while maintaining your account access.
Data Portability
Receive your personal data in a structured format that you can transfer to another service provider.
Opt-Out Communications
Unsubscribe from marketing emails and newsletters while still receiving important account notifications.
Data Security and Protection
We implement comprehensive security measures to protect your information from unauthorized access, alteration, or disclosure. Our security practices include:
While we implement industry-standard security measures, no system is completely secure. We encourage you to use strong passwords and keep your login credentials confidential.
Data Retention and Deletion
We retain your information only as long as necessary to provide our services and comply with legal obligations. Different types of data have different retention periods:
Account Information: We keep your basic account details for as long as your account remains active. When you delete your account, we remove personal identifiers within 30 days, though some anonymized data may be retained for analytics purposes.
Learning Progress: Your course progress and educational achievements are retained to maintain your learning history. You can request deletion of this information, but it may affect your ability to resume courses or access certificates.
Communication Records: We retain customer support communications for two years to improve our services and resolve any ongoing issues.
Legal Compliance: Some information must be retained longer to comply with financial regulations and legal requirements in Malaysia and other jurisdictions where we operate.
International Data Transfers
felmoryhub operates globally, and your information may be transferred to and processed in countries other than Malaysia. We ensure that all international transfers comply with applicable privacy laws and include appropriate safeguards.
When we transfer your data internationally, we use approved transfer mechanisms such as standard contractual clauses and ensure that receiving countries provide adequate protection for your personal information.
Cookies and Tracking Technologies
We use cookies and similar technologies to enhance your experience on our platform. These technologies help us remember your preferences, analyze usage patterns, and provide personalized content.
Essential Cookies: These are necessary for basic platform functionality and cannot be disabled. They include session management, security features, and load balancing.
Analytics Cookies: We use these to understand how users interact with our platform, which helps us improve our services. You can opt out of analytics tracking through your browser settings.
Preference Cookies: These remember your choices and settings to provide a more personalized experience across your visits.
Children's Privacy
Our services are designed for adults seeking financial education. We do not knowingly collect personal information from children under 13 years of age. If we discover that we have collected information from a child under 13, we will promptly delete that information.
If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately using the information provided below.
Changes to This Policy
We may update this privacy policy periodically to reflect changes in our practices or legal requirements. When we make significant changes, we will notify you through email or by posting a notice on our platform.
We encourage you to review this policy regularly to stay informed about how we protect your information. Your continued use of our services after any changes indicates your acceptance of the updated policy.
Contact Us About Privacy
If you have questions about this privacy policy or want to exercise your privacy rights, please contact us:
Email: info@felmoryhub.sbs
Phone: +6095606169
Address: 5-2, Jalan PJS 8/10, Bandar Sunway, 46150 Petaling Jaya, Selangor, Malaysia
We aim to respond to all privacy-related inquiries within 30 days. For urgent matters, please call us directly during business hours.
This Privacy Policy is effective as of January 15, 2025, and was last updated on January 15, 2025.