1 Information We Collect

At SmartNexusIO, we collect information to provide better services to our users. The types of information we gather include:

• Account registration details including username and encrypted password
• Financial data you input for budget analysis and trend tracking
• Usage patterns and preferences within our platform
• Communication records when you contact our support team
• Device information and IP addresses for security purposes
• Cookies and similar tracking technologies for website functionality

We only collect information that's necessary for providing our services or required by Malaysian data protection laws. You always have control over what personal information you share with us.

2 How We Use Your Information

Your information helps us deliver personalized budget analysis and improve our services. We use collected data for several specific purposes:

• Providing accurate budget trend analysis and financial insights
• Customizing your dashboard and user experience
• Sending important account updates and security notifications
• Improving our algorithms and developing new features
• Complying with legal obligations under Malaysian law
• Preventing fraud and maintaining platform security

Our machine learning algorithms analyze spending patterns to provide insights, but this analysis happens in a secure environment with your data properly anonymized for algorithmic purposes.

3 Data Storage and Security

We implement robust security measures to protect your financial data. Our infrastructure follows industry-standard practices for data protection:

• End-to-end encryption for all financial data transmission
• Secure servers located in Malaysia with regular security audits
• Multi-factor authentication options for account access
• Regular backup systems with encrypted storage
• Limited access protocols for our technical staff
• Compliance with Malaysian Personal Data Protection Act requirements

Your financial information is stored separately from your personal identification data, adding an extra layer of security. We maintain detailed logs of all data access for security monitoring purposes.

4 Your Rights and Choices

Under Malaysian data protection laws, you have several important rights regarding your personal information:

• Right to access all personal data we hold about you
• Right to correct inaccurate or incomplete information
• Right to request deletion of your account and associated data
• Right to restrict how we process your information
• Right to data portability for information you've provided
• Right to withdraw consent for optional data processing

To exercise these rights, you can contact our privacy team directly through your account settings or by emailing us. We respond to all privacy requests within 30 days as required by Malaysian law.

If you're not satisfied with how we handle your privacy concerns, you have the right to file a complaint with the Personal Data Protection Department of Malaysia.

5 Third-Party Services and Sharing

We work with carefully selected third-party services to enhance our platform functionality. Here's how we handle data sharing:

• Payment processors for secure transaction handling
• Cloud storage providers with Malaysian data residency
• Analytics services for platform improvement (anonymized data only)
• Customer support tools for better service delivery
• Security services for fraud prevention and monitoring

All third-party partners must meet our strict data protection standards and sign comprehensive data processing agreements. They can only access information necessary for their specific services.

We never share your financial data with marketing companies or use it for advertising purposes outside our own platform.

6 Cookies and Tracking

Our website uses cookies to improve your browsing experience and platform functionality. We categorize cookies into several types:

• Essential cookies for basic website operation and security
• Functional cookies to remember your preferences and settings
• Performance cookies to analyze website usage (anonymized)
• Session cookies that expire when you close your browser

You can control cookie settings through your browser preferences. However, disabling certain cookies may affect platform functionality and your user experience.

7 Updates and Changes

We may update this privacy policy periodically to reflect changes in our practices or legal requirements. When we make significant changes:

• We'll notify you via email at least 30 days before changes take effect
• We'll post a notice on our website highlighting the key changes
• We'll maintain previous versions of our policy for your reference
• We'll seek your consent for any changes that affect how we use your data

Continuing to use our services after policy updates indicates your acceptance of the changes. If you disagree with updates, you can close your account and request data deletion.