Privacy Policy

Personal Information You Provide

When you interact with Fynra Flo, we collect information that you voluntarily provide to us. This helps us deliver personalized financial education and improve your learning experience.

• Account Information: Name, email address, phone number, and password when you create an account
• Profile Details: Age, location, financial goals, income level, and educational background to customize your learning path
• Communication Data: Messages you send through our contact forms, support tickets, or direct communications
• Payment Information: Billing details and transaction history for our premium services
• Learning Preferences: Course selections, learning pace preferences, and educational content interactions

Automatically Collected Information

We automatically collect certain technical information to enhance your browsing experience and improve our platform's functionality.

• Usage Analytics: Pages visited, time spent on courses, learning progress, and feature utilization
• Device Information: Browser type, operating system, device identifiers, and screen resolution
• Location Data: General geographic location based on IP address for content localization
• Cookies and Tracking: Session data, user preferences, and website performance metrics

Service Delivery

• Creating and maintaining your personal learning dashboard
• Customizing course recommendations based on your financial goals and experience level
• Tracking your progress through our learning programs
• Providing customer support and technical assistance
• Processing payments and managing subscription services

Communication and Updates

• Sending course updates, new content notifications, and learning reminders
• Providing important account and security notifications
• Sharing relevant financial education tips and market insights
• Responding to your inquiries and support requests

Platform Improvement

• Analyzing learning patterns to enhance course content and structure
• Improving website functionality and user interface design
• Developing new features based on user behavior and feedback
• Conducting research to better understand financial education needs

Service Providers

We work with carefully selected third-party service providers who help us deliver our educational platform. These partners are bound by strict confidentiality agreements and data protection standards.

• Payment Processors: Secure handling of subscription payments and transaction processing
• Cloud Storage Providers: Reliable data storage and backup services with enterprise-grade security
• Email Service Providers: Delivery of course updates, notifications, and educational content
• Analytics Platforms: Website performance monitoring and user experience optimization
• Customer Support Tools: Efficient handling of your questions and technical issues

Legal Requirements

In certain circumstances, we may be required to disclose your information to comply with legal obligations or protect our rights and the safety of our users.

• Compliance with court orders, subpoenas, or other legal processes
• Cooperation with law enforcement investigations when legally required
• Protection against fraud, security threats, or illegal activities
• Enforcement of our terms of service and user agreements

Access and Portability

• Data Access: Request a complete copy of all personal information we hold about you
• Account Dashboard: View and update your profile information, learning preferences, and privacy settings
• Data Export: Download your learning progress, course completion certificates, and account history
• Transparency Reports: Understand what data we collect and how it's being used

Correction and Updates

• Update your personal information, contact details, and learning preferences at any time
• Correct inaccurate or outdated information in your profile
• Modify your communication preferences and notification settings
• Change your password and security settings through your account dashboard

Deletion and Restriction

You can request deletion of your personal data or restrict how we process certain information. We'll honor these requests while maintaining necessary records for legal and business purposes.

• Account Deletion: Permanently delete your account and associated personal information
• Selective Deletion: Remove specific pieces of information while maintaining your account
• Processing Restrictions: Limit how we use certain categories of your data
• Marketing Opt-out: Unsubscribe from promotional communications while keeping essential notifications

Technical Safeguards

• Encryption: All data transmission uses SSL/TLS encryption, and sensitive data is encrypted at rest
• Access Controls: Multi-factor authentication and role-based access limits for our staff
• Network Security: Firewalls, intrusion detection systems, and regular security monitoring
• Secure Infrastructure: Cloud hosting with enterprise-grade security certifications and compliance
• Regular Audits: Third-party security assessments and vulnerability testing

Operational Security

• Employee training on data protection and privacy best practices
• Background checks and confidentiality agreements for all staff with data access
• Incident response procedures for potential security breaches
• Regular backup procedures and disaster recovery planning
• Continuous monitoring for suspicious activities and unauthorized access attempts

Your Security Responsibilities

While we implement strong security measures, your account security also depends on your actions. Here's how you can help protect your information:

• Use a strong, unique password for your Fynra Flo account
• Enable two-factor authentication when available
• Log out of your account when using shared or public computers
• Report any suspicious account activity immediately
• Keep your contact information updated for security notifications

Active Account Data

• Profile Information: Retained while your account remains active and for 2 years after account closure
• Learning Progress: Course completion data kept for 5 years to maintain certification records
• Communication History: Support conversations retained for 3 years for quality assurance
• Usage Analytics: Aggregated and anonymized data may be retained indefinitely for research

Financial and Legal Records

• Payment and billing information retained for 7 years as required by tax regulations
• Legal compliance records maintained according to applicable laws
• Fraud prevention data kept for 10 years to protect against future incidents
• Contractual obligations fulfilled according to specified timeframes

Deletion Procedures

When retention periods expire or you request deletion, we follow systematic procedures to remove your information from our systems.

• Automated deletion processes for expired data categories
• Manual review and deletion of complex data relationships
• Secure destruction of backed-up data according to our schedule
• Verification procedures to ensure complete data removal
• Documentation of deletion activities for compliance purposes

Transfer Safeguards

• Standard contractual clauses approved by relevant privacy authorities
• Adequacy decisions recognizing equivalent privacy protection levels
• Binding corporate rules for transfers within our service provider network
• Certification schemes ensuring consistent privacy standards across jurisdictions

Data Locations

Your data may be processed and stored in Malaysia and other countries where our service providers operate. We maintain the same privacy protection standards regardless of location.

Types of Cookies

• Essential Cookies: Required for basic website functionality and security
• Preference Cookies: Remember your settings and personalization choices
• Analytics Cookies: Help us understand how visitors use our website
• Marketing Cookies: Enable personalized content and advertising (with your consent)

Cookie Management

You can control cookie settings through your browser preferences or our cookie management tool. Disabling certain cookies may affect website functionality.