Privacy Policy

Introduction

At Glow Markly, we recognize that your privacy is fundamental to building trust and providing exceptional financial planning services. This comprehensive privacy policy explains how we collect, use, protect, and manage your personal information when you interact with our strategic financial planning platform and services.

We operate under Malaysia's Personal Data Protection Act 2010 (PDPA) and maintain compliance with international data protection standards. This policy applies to all users of glowmarkly.com, our educational programs, and any related services we provide.

Information We Collect

We gather different types of information to provide you with personalized financial planning guidance and educational resources. The information we collect falls into several categories:

We only collect information that's necessary for providing our financial planning services and improving your experience. You can choose what information to share, though some data is required for specific services.

How We Use Your Information

Your personal data serves specific purposes that directly benefit your financial planning journey and help us deliver better services:

• Creating personalized financial strategies based on your goals and current situation
• Providing access to our educational programs and learning resources
• Sending important updates about your account and relevant financial planning insights
• Improving our platform's functionality and user experience through analytics
• Complying with Malaysian financial regulations and legal requirements
• Protecting against fraud and ensuring platform security
• Developing new features and services that better serve your financial planning needs

We never sell your personal information to third parties or use it for purposes unrelated to our financial planning services. Any marketing communications we send are directly related to financial education and our services, and you can opt out at any time.

Data Sharing and Third Parties

We maintain strict controls over who can access your personal information. We only share data with carefully selected partners and service providers who help us deliver our financial planning services:

• Cloud hosting providers who store our data securely in Malaysia-based servers
• Payment processors for handling subscription fees and service payments
• Analytics providers to help us understand how our platform is used
• Legal and compliance advisors when required by Malaysian law
• Customer support tools that help us respond to your inquiries effectively

All third-party providers must sign strict data protection agreements and are only given access to the minimum information necessary to perform their specific functions. We regularly audit these partnerships to ensure your data remains protected.

Data Security Measures

Protecting your financial information is our top priority. We've implemented comprehensive security measures that go beyond industry standards:

• 256-bit SSL encryption for all data transmitted between your device and our servers
• Multi-factor authentication requirements for accessing sensitive account areas
• Regular security audits and penetration testing by independent cybersecurity firms
• Restricted employee access to personal data based on job responsibilities
• Automated monitoring systems that detect and respond to suspicious activities
• Regular data backups stored in secure, geographically separate locations
• Incident response procedures that immediately address any potential security breaches

While we maintain rigorous security protocols, we also encourage you to protect your account by using strong passwords and never sharing your login credentials with others.

Your Rights and Control

Under Malaysia's Personal Data Protection Act, you have specific rights regarding your personal information. We've made it easy for you to exercise these rights:

To exercise any of these rights, simply contact us using the information provided below. We'll respond to your request within 21 days as required by Malaysian law.

Data Retention and Deletion

We retain your personal information only as long as necessary to provide our services and meet legal requirements. Our retention schedule varies based on the type of information:

• Account information: Kept while your account remains active, plus 7 years after closure for regulatory compliance
• Financial planning data: Retained for 7 years after your last consultation as required by Malaysian financial regulations
• Communication records: Stored for 3 years to help resolve any service issues
• Website analytics: Anonymous usage data kept for 2 years to improve our platform
• Marketing preferences: Maintained until you request removal or update your preferences

When data reaches the end of its retention period, we securely delete it using industry-standard data destruction methods. You can request early deletion of your data, though some information may need to be retained for legal compliance.

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance your experience and provide personalized financial planning tools. We use several types of cookies:

• Essential cookies that enable basic website functionality and secure access to your account
• Analytics cookies that help us understand how users navigate our platform
• Preference cookies that remember your settings and customization choices
• Marketing cookies that personalize the content and educational resources you see

You can control cookie preferences through your browser settings, though disabling certain cookies may affect website functionality. We don't use cookies to track you across other websites or for purposes unrelated to our financial planning services.

International Data Transfers

While we primarily store data within Malaysia, some of our service providers may process information in other countries. When international transfers are necessary, we ensure appropriate safeguards are in place:

• Data processing agreements that meet Malaysian PDPA requirements
• Transfers only to countries with adequate data protection laws
• Additional contractual protections for data processed in other jurisdictions
• Regular monitoring to ensure international partners maintain security standards

We always notify users when their data will be processed internationally and provide options to limit such transfers when possible.

Changes to This Policy

We review and update this privacy policy annually or when significant changes occur in our data processing practices. When updates are made, we'll notify you through:

• Email notifications sent to your registered email address
• Prominent notices on our website and account dashboard
• Updated policy effective dates clearly displayed at the top of this page

Significant changes that affect how we use your personal information will require your explicit consent before taking effect. We encourage you to review this policy periodically to stay informed about how we protect your privacy.