Privacy Policy
Last Updated: February 15, 2025
At braventorilquesoma, we understand that your privacy is fundamental to building trust in our financial planning services. This comprehensive privacy policy explains how we collect, use, protect, and manage your personal information when you interact with our platform and services.
We're committed to transparency in our data practices and ensuring you have complete control over your personal information. This policy covers all aspects of our data handling procedures and your rights as a user of our services.
Privacy Contact Information
577-578, Jalan Haruan 4/8, Oakland Commercial Centre
70300 Seremban, Negeri Sembilan, Malaysia
Phone: +60193052586
Email: info@braventorilquesoma.sbs
1. Information We Collect
Personal Information
When you register for our financial planning services, we collect essential information to provide personalized advice and maintain your account security. This includes your full name, email address, phone number, date of birth, and mailing address.
We also gather employment information, income details, and financial goals to create comprehensive financial plans tailored to your specific circumstances. This information helps us understand your risk tolerance and investment preferences.
Financial Information
To provide effective financial planning services, we collect detailed information about your financial situation, including bank account details, investment portfolios, insurance policies, and debt obligations. This sensitive information is encrypted and stored with the highest security standards.
- Bank account numbers and financial institution details
- Investment account information and portfolio holdings
- Credit card and loan information
- Insurance policy details and beneficiary information
- Tax identification numbers and filing status
Technical Information
We automatically collect technical information when you use our website and mobile applications. This includes your IP address, browser type, operating system, device identifiers, and usage patterns. This data helps us improve our services and ensure platform security.
2. How We Use Your Information
Primary Service Purposes
Your information is primarily used to deliver personalized financial planning services, including creating investment strategies, retirement planning, tax optimization, and risk management recommendations.
Service Delivery
We use your personal and financial information to analyze your current situation, identify opportunities for improvement, and develop customized financial strategies. Our certified financial planners review your data to provide recommendations aligned with your goals and risk tolerance.
Your information enables us to monitor your progress toward financial goals, send periodic updates about your portfolio performance, and adjust strategies based on changing market conditions or personal circumstances.
Communication and Support
We use your contact information to communicate important updates about your accounts, send educational content about financial planning topics, and provide customer support. You can control the frequency and types of communications you receive.
Legal and Compliance
As a financial services provider, we're required to maintain certain records and report specific transactions to regulatory authorities. We use your information to comply with anti-money laundering laws, tax reporting requirements, and other financial regulations.
3. Information Sharing and Disclosure
Third-Party Service Providers
We work with trusted partners to deliver our services effectively. These include technology providers for data storage and processing, payment processors for handling transactions, and compliance services for regulatory reporting.
All third-party providers are bound by strict confidentiality agreements and are required to maintain the same security standards we apply to your information. They can only use your data for the specific purposes outlined in our agreements.
Regulatory Requirements
We may disclose your information when required by law, regulation, or court order. This includes sharing information with tax authorities, financial regulators, and law enforcement agencies when legally obligated to do so.
| Type of Disclosure | Purpose | Frequency |
|---|---|---|
| Financial Institutions | Account management and transactions | As needed |
| Regulatory Authorities | Compliance and reporting | Periodic |
| Tax Authorities | Tax reporting and compliance | Annual |
| Technology Providers | Platform maintenance and security | Ongoing |
4. Your Privacy Rights
Right to Access
You have the right to request a copy of all personal information we hold about you. We'll provide this information in a readable format within 30 days of your request.
Right to Correction
If you believe any information we hold is incorrect or incomplete, you can request corrections. We'll verify and update your information promptly.
Right to Deletion
You can request deletion of your personal information, subject to legal and regulatory requirements that may require us to retain certain records.
Right to Portability
You can request your personal information in a structured, machine-readable format to transfer to another service provider.
How to Exercise Your Rights
To exercise any of these rights, contact our privacy team at info@braventorilquesoma.sbs or call +60193052586. We'll respond to your request within 30 days and may need to verify your identity before processing certain requests.
For complex requests or disputes, you may also contact the relevant data protection authority in your jurisdiction. We're committed to working with regulatory authorities to resolve any privacy concerns.
5. Data Security and Protection
Security Measures
We implement multiple layers of security to protect your information, including 256-bit SSL encryption for data transmission, advanced firewall protection, and regular security audits. Our data centers are secured with biometric access controls and 24/7 monitoring.
All employees with access to personal information undergo background checks and receive regular privacy training. We maintain strict access controls, ensuring only authorized personnel can view your information on a need-to-know basis.
Incident Response
In the unlikely event of a data breach, we have comprehensive response procedures in place. We'll notify affected users within 72 hours and provide detailed information about the incident, steps taken to resolve it, and measures to prevent future occurrences.
Your Security Responsibilities
Help us protect your information by using strong, unique passwords, enabling two-factor authentication, and keeping your contact information current. Never share your login credentials or access your account from public computers.
6. Data Retention and Deletion
Retention Periods
We retain your personal information for as long as necessary to provide our services and comply with legal requirements. Account information is typically retained for seven years after account closure, while transaction records may be kept longer as required by financial regulations.
Marketing communications and website usage data are retained for shorter periods, typically 2-3 years, unless you request earlier deletion. We regularly review our retention practices to ensure we're not keeping information longer than necessary.
Automatic Deletion
We have automated systems that delete certain types of information after specified periods. This includes temporary files, session data, and some types of analytical information that are no longer needed for service delivery.
7. International Data Transfers
Cross-Border Processing
Some of our technology partners and service providers may be located outside Malaysia. When we transfer your information internationally, we ensure appropriate safeguards are in place, including contractual protections and compliance with international data protection frameworks.
We only work with partners in countries that provide adequate data protection or have implemented appropriate safeguards to protect your information during transfer and processing.
8. Cookie Policy
Cookie Usage
We use cookies and similar technologies to enhance your experience on our website, remember your preferences, and analyze usage patterns. Essential cookies are necessary for basic functionality, while optional cookies help us improve our services and provide personalized content.
You can control cookie settings through your browser preferences. However, disabling certain cookies may affect the functionality of our website and your ability to access some features.
9. Children's Privacy
Age Restrictions
Our services are designed for adults aged 18 and older. We do not knowingly collect personal information from minors. If we discover that we have collected information from someone under 18, we will delete it immediately and notify the appropriate authorities if required.
Parents or guardians who believe their child has provided personal information to us should contact our privacy team immediately at info@braventorilquesoma.sbs.
10. Policy Updates
Notification of Changes
We may update this privacy policy periodically to reflect changes in our practices, technology, or legal requirements. We'll notify you of significant changes through email or prominent website notices at least 30 days before implementation.
Minor updates, such as clarifications or administrative changes, may be made without prior notice. We encourage you to review this policy regularly to stay informed about how we protect your information.