Privacy Policy & Data Protection

Our Privacy Commitment

Welcome to our privacy policy. We respect your privacy and are committed to protecting your personal data. This policy explains how we collect, use, and safeguard your information when you use our financial planning services.

We believe transparency is essential in financial services. This policy describes our data practices in clear, understandable language so you can make informed decisions about sharing your information with us.

Information We Collect

We collect information you provide directly and automatically when you use our services:

• Contact information including name, email address, phone number, and mailing address
• Financial information relevant to planning consultations such as income range, asset amounts, and financial goals
• Account information including login credentials, subscription preferences, and communication history
• Website usage data including pages visited, time spent, and interaction patterns for service improvement

How We Use Your Information

We use your personal information for the following purposes:

• Providing financial planning consultations and analytical reviews tailored to your situation
• Communicating with you about appointments, services, and account-related matters
• Processing subscription payments and managing your account billing
• Improving our services based on user feedback and usage patterns
• Complying with legal obligations and regulatory requirements in Malaysia

Legal Basis for Data Processing

Under Malaysian Personal Data Protection Act and international privacy laws, we process your data based on:

Primary Legal Basis: We process your data on the basis of consent and legitimate business interests.

• Your explicit consent for marketing communications and optional services
• Contractual necessity to provide the financial planning services you subscribed to
• Legitimate business interests in improving services and preventing fraud

Data Sharing and Disclosure

We limit data sharing to essential business purposes and may share information in these circumstances:

• With service providers who assist in delivering our services under strict confidentiality agreements
• When required by law, court order, or regulatory authorities
• To protect our legal rights or investigate potential fraud or security incidents
• With your explicit consent for specific third-party services you request

Data Security Measures

We implement comprehensive security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction.

Our security includes encrypted data transmission, secure servers, regular security audits, access controls, and staff training on data protection best practices.

Your Privacy Rights

You have important rights regarding your personal data:

• Access - Request a copy of personal data we hold about you
• Correction - Request correction of inaccurate or incomplete information
• Deletion - Request deletion of your personal data under certain circumstances
• Restriction - Request limitation of processing in specific situations
• Portability - Request transfer of your data to another service provider
• Objection - Object to processing for marketing or legitimate interest purposes

Cookies and Tracking

We use cookies and similar technologies to enhance your website experience and analyze usage patterns.

Our cookies help remember your preferences, provide personalized content, and improve website functionality.

You can control cookie settings through your browser preferences or our cookie consent banner.

Data Retention Period

We retain your personal data only as long as necessary for the purposes outlined in this policy and as required by applicable laws.

Generally, we retain client data for up to 7 years after account closure for regulatory compliance, with some data deleted sooner based on its purpose and your preferences.

Children's Privacy

Our services are designed for adults and we do not knowingly collect personal information from individuals under 18 years of age.

18+ only

Changes to Privacy Policy

We may update this privacy policy periodically to reflect changes in our practices, services, or applicable laws.

We will notify you of significant changes through email or prominent website notices before they take effect.

Privacy Contact Information

For questions about this privacy policy or to exercise your privacy rights, contact us at info@lystranovaeq.com or +60 12 5431 6734.