Privacy Policy

Information We Collect

Personal Information

When you register for our financial education services, we collect personal information that you voluntarily provide. This includes your name, email address, phone number, and business information. We also collect payment information when you subscribe to our premium services, though this is processed securely through our payment partners.

For users in Malaysia, we may collect additional information relevant to local financial regulations and tax requirements. This helps us provide more relevant content and comply with regional financial education standards.

Usage Information

We automatically collect information about how you interact with our platform. This includes pages visited, time spent on different sections, course completion rates, and learning progress. We also collect technical information such as your IP address, browser type, and device information.

• Course engagement and completion data
• Learning preferences and saved content
• Communication preferences and settings
• Technical performance data for service improvement

How We Use Your Information

Your information helps us provide personalized financial education experiences. We use your learning history to recommend relevant courses and content that match your business growth objectives. This personalization is especially important for our Malaysian users who may have specific regulatory or market considerations.

Service Delivery

We use your information to deliver educational content, process payments, and provide customer support. Your progress data helps us understand which learning materials are most effective and where you might need additional support.

Data Sharing and Disclosure

We don't sell your personal information to third parties. However, we do share information with trusted partners who help us deliver our services. This includes payment processors, email service providers, and analytics platforms that help us understand user behavior.

Service Providers

Our payment processing partners handle financial transactions securely. We also work with educational content providers who may access aggregated, anonymized data to improve course materials. These partners are contractually obligated to protect your information and use it only for specified purposes.

Your Rights and Choices

You have significant control over your personal information. You can access, update, or delete your account information at any time through your profile settings. If you want to export your learning data or close your account entirely, we provide tools to do so.

Data Access and Portability

You can request a copy of all personal information we have about you. This includes your profile data, learning history, and communication records. We'll provide this information in a structured format that you can use with other services.

• Access your personal information and learning data
• Correct inaccurate or incomplete information
• Delete your account and associated data
• Export your data in portable formats
• Opt out of marketing communications
• Request restriction of certain data processing

Data Security

We take data security seriously and implement multiple layers of protection. Your personal information is encrypted both in transit and at rest. We use industry-standard security measures including SSL encryption, secure servers, and regular security audits.

Security Measures

Our security infrastructure includes firewalls, intrusion detection systems, and regular vulnerability assessments. We also train our staff on data protection best practices and limit access to personal information on a need-to-know basis.

In the unlikely event of a data breach, we'll notify affected users within 72 hours and provide clear information about what happened and what steps we're taking to address it.

International Data Transfers

While mervalontrudacenter operates primarily in Malaysia, some of our service providers may be located in other countries. When we transfer your information internationally, we ensure appropriate safeguards are in place to protect your privacy rights.

We use standard contractual clauses approved by relevant data protection authorities to ensure your information receives the same level of protection regardless of where it's processed.

Cookies and Tracking

We use cookies to improve your experience on our platform. These small files help us remember your preferences, keep you logged in, and understand how you use our services. You can control cookie settings through your browser preferences.

Types of Cookies

• Essential cookies for basic functionality
• Performance cookies to understand site usage
• Preference cookies to remember your settings
• Marketing cookies for relevant content recommendations

Children's Privacy

Our services are designed for adults and businesses. We don't knowingly collect personal information from children under 13. If we learn that we've collected information from a child, we'll delete it promptly.

Changes to This Policy

We may update this privacy policy from time to time to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you by email and provide a prominent notice on our website.

We encourage you to review this policy periodically to stay informed about how we're protecting your information. The date at the top of this policy indicates when it was last updated.