1 Information We Collect

When you use Send-Save's financial analysis services, we collect various types of information to provide you with accurate and personalized financial insights.

• Personal identification information including your name, email address, and phone number
• Financial data you provide for analysis purposes, including transaction histories and account balances
• Technical information such as IP address, browser type, and device information
• Usage data including how you interact with our platform and which features you use most frequently
• Communication records when you contact our support team or participate in surveys

2 How We Use Your Information

Your information helps us deliver personalized financial analysis and maintain the security of our platform. Here's how we put your data to work:

• Generating customized financial reports and analysis based on your specific data
• Improving our algorithms to provide more accurate financial insights and recommendations
• Communicating with you about your account, updates to our services, and important notifications
• Detecting and preventing fraudulent activities or unauthorized access to your account
• Complying with legal obligations under Malaysian financial regulations
• Conducting research and development to enhance our financial analysis capabilities

We never use your financial data for marketing purposes without your explicit consent, and we don't sell your personal information to third parties.

3 Data Storage and Security

Protecting your financial information is our top priority. We employ multiple layers of security to safeguard your data:

• All data is encrypted both in transit and at rest using industry-standard AES-256 encryption
• Our servers are located in secure data centers within Malaysia, complying with local data residency requirements
• Regular security audits and penetration testing are conducted by independent security firms
• Access to your data is restricted to authorized personnel who require it for legitimate business purposes
• We maintain comprehensive backup systems to ensure data availability and integrity

4 Your Rights Under Malaysian Law

Under the Personal Data Protection Act 2010 (PDPA), you have several important rights regarding your personal data:

• Right to access your personal data and request copies of information we hold about you
• Right to correct any inaccurate or incomplete personal data in our records
• Right to request deletion of your personal data, subject to legal retention requirements
• Right to withdraw consent for data processing where consent was the legal basis
• Right to lodge complaints with the Personal Data Protection Department if you believe we've mishandled your data

To exercise any of these rights, please contact our Data Protection Officer using the contact information provided at the end of this policy. We'll respond to your request within 21 days as required by law.

5 Data Sharing and Third Parties

We maintain strict controls over who can access your information. Here are the limited circumstances where we may share your data:

• With trusted service providers who help us operate our platform, such as cloud hosting and security services
• When required by Malaysian law enforcement or regulatory authorities with proper legal authorization
• In the event of a business merger or acquisition, where data protection obligations transfer to the new entity
• With your explicit consent for specific purposes, such as integrating with your bank's API services

All third parties who receive your data are bound by strict confidentiality agreements and must comply with Malaysian data protection laws. We never share your financial data for marketing or commercial purposes.

6 Cookies and Tracking Technologies

Send-Save uses cookies and similar technologies to enhance your browsing experience and improve our services:

• Essential cookies that are necessary for the platform to function properly and securely
• Analytics cookies that help us understand how users interact with our platform
• Preference cookies that remember your settings and customization choices
• Session cookies that maintain your login status during your visit

You can control cookie settings through your browser, though disabling certain cookies may limit platform functionality. We don't use tracking cookies for advertising purposes.

7 Policy Updates and Changes

As our services evolve and regulations change, we may need to update this Privacy Policy. Here's how we handle changes:

• We'll notify you of significant changes via email and prominently display notices on our platform
• Minor updates will be posted on this page with an updated "Last Modified" date
• You'll have the opportunity to review changes before they take effect
• Continued use of our services after changes indicates your acceptance of the updated policy

We recommend reviewing this policy periodically to stay informed about how we protect your information.