Privacy Policy

Your privacy is important to us at ubigewiotop

Last updated: March 15, 2025

1. Information We Collect

At ubigewiotop, we collect information that helps us provide you with the best budgeting experience possible. This includes information you provide directly to us, information we collect automatically through your use of our platform, and information we receive from third parties with your consent.

Personal identification information including your name, email address, and phone number
Financial information such as account balances, transaction history, and spending patterns
Device information including IP address, browser type, and operating system
Usage data showing how you interact with our budgeting tools and features
Communication preferences and customer support interactions
Location information when you use our mobile applications

2. How We Use Your Information

We use the information we collect to provide, maintain, and improve our budgeting services. Your data helps us personalize your experience, analyze spending patterns, and deliver insights that help you achieve your financial goals.

Primary Uses:

We process your personal information to operate our budgeting platform, including account creation, transaction categorization, budget tracking, and providing personalized financial insights. We also use this information to communicate with you about your account, send important updates, and provide customer support when needed.

Service Improvement:

Your aggregated and anonymized data helps us understand user behavior, identify popular features, and develop new tools that better serve our community. We analyze usage patterns to optimize our platform performance and enhance the overall user experience.

3. Information Sharing and Disclosure

We do not sell, rent, or trade your personal information to third parties. We may share your information only in specific circumstances outlined below, always with appropriate safeguards to protect your privacy.

Service Providers:

We work with trusted third-party service providers who assist us in operating our platform, conducting business, and serving our users. These partners include cloud hosting providers, payment processors, and analytics services. All service providers are contractually obligated to protect your information and use it only for the specific services they provide to us.

Legal Requirements:

We may disclose your information if required by law, regulation, or legal process, or if we believe in good faith that such disclosure is necessary to protect our rights, your safety, or the safety of others. This includes cooperating with law enforcement agencies when legally required.

4. Your Rights and Choices

You have important rights regarding your personal information. We provide you with tools and options to control how your data is used and to exercise your privacy rights effectively.

Access Your Data

You can request a copy of all personal information we hold about you. We'll provide this information in a commonly used, machine-readable format within 30 days of your request.

Correct Information

If you notice any inaccuracies in your personal information, you can update most details directly through your account settings or contact us to make corrections.

Delete Your Account

You can request deletion of your account and associated personal information. We'll process this request within 30 days, though some information may be retained for legal compliance.

Data Portability

You can export your budgeting data, transaction history, and account information to transfer to another service or for your personal records.

5. Data Security

We implement comprehensive security measures to protect your personal and financial information. Our security practices include both technical and organizational safeguards designed to prevent unauthorized access, use, or disclosure of your data.

Encryption
All data transmitted between your device and our servers is encrypted using industry-standard TLS protocols. Your sensitive information is also encrypted at rest in our databases.
Access Controls
We maintain strict access controls ensuring only authorized personnel can access your information, and only when necessary for their job functions.
Regular Audits
Our security practices undergo regular internal and external audits to ensure we maintain the highest standards of data protection.
Incident Response
We have established procedures for detecting, responding to, and recovering from security incidents to minimize any potential impact on your data.

6. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this privacy policy, comply with legal obligations, and resolve disputes. Different types of information are retained for different periods based on their purpose and legal requirements.

Information Type Retention Period Purpose
Account Information Duration of account + 3 years Service provision and legal compliance
Transaction Data 7 years Financial record keeping and auditing
Usage Analytics 2 years Service improvement and analytics
Communication Records 5 years Customer support and dispute resolution
Marketing Data Until opt-out + 1 year Marketing compliance and preferences

7. International Data Transfers

As a service operating in Malaysia, we primarily store and process your data within the country. However, some of our service providers may process data in other countries. When we transfer your personal information internationally, we ensure appropriate safeguards are in place to protect your data according to applicable privacy laws.

Important Notice
If you are located outside Malaysia, please be aware that your information may be transferred to and processed in Malaysia. By using our services, you consent to this transfer and processing.

8. Changes to This Privacy Policy

We may update this privacy policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make significant changes, we will notify you by email or through a prominent notice on our platform at least 30 days before the changes take effect.

We encourage you to review this privacy policy periodically to stay informed about how we protect your information. Your continued use of our services after any modifications to this policy will constitute your acceptance of the updated terms.

9. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our platform. These technologies help us remember your preferences, analyze usage patterns, and provide personalized features. You can control cookie settings through your browser preferences, though disabling certain cookies may limit some functionality.

Types of Cookies We Use:

Essential cookies are necessary for basic platform functionality and cannot be disabled. Performance cookies help us analyze how you use our services to improve user experience. Functional cookies remember your preferences and settings. We do not use advertising cookies for tracking purposes across other websites.

10. Children's Privacy

Our services are not intended for children under the age of 18. We do not knowingly collect personal information from children under 18. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately so we can remove such information from our systems.

Contact Us About Privacy

If you have questions about this privacy policy or how we handle your personal information, please contact us:

Address: Menara Sunway, Level Timur, 46150, Petaling Jaya, Malaysia
15, Jalan Lagoon Selatan, Bandar Sunway, 46150 Subang Jaya, Selangor

Phone: +60362000685
Email: info@ubigewiotop.sbs