Privacy Policy

1. Information We Collect

Personal Information

When you create an account with panoramicentivo, we collect information that personally identifies you. This includes your name, email address, phone number, and business details. We also gather information about your financial goals and budget preferences to provide personalized recommendations.

Financial Data

To help you manage your business budget effectively, we may collect information about your income, expenses, and financial transactions. This data is encrypted and stored securely using industry-standard protocols. We never store your complete banking credentials or sensitive payment information.

Usage Information

We automatically collect information about how you use our platform. This includes pages you visit, features you use, time spent on different sections, and your interaction patterns. This helps us improve our services and create a better user experience.

• Device information (browser type, operating system, IP address)
• Navigation patterns and page views
• Feature usage and engagement metrics
• Error reports and performance data
• Referral sources and marketing campaign interactions

2. How We Use Your Information

Your information helps us provide better financial services and support. We use your data to personalize your experience, send relevant budget insights, and improve our platform's functionality. Here's exactly how we put your information to work:

Communication Purposes

We'll use your contact information to send important account updates, security alerts, and optional educational content about financial management. You can control communication preferences in your account settings. We respect your inbox and won't spam you with irrelevant messages.

Legal and Security Requirements

Sometimes we need to use your information to comply with legal obligations, protect our platform from fraud, or investigate suspicious activities. We only do this when necessary and always within the bounds of applicable privacy laws.

3. Information Sharing and Disclosure

We don't sell your personal information to third parties. Period. However, there are specific circumstances where we may share your information with trusted partners or as required by law. Transparency is important to us, so here's exactly when and why we might share your data:

Service Providers

We work with carefully selected third-party service providers who help us operate our platform. These include cloud hosting providers, payment processors, and analytics services. All these partners are bound by strict confidentiality agreements and can only use your information for the specific services they provide to us.

Legal Requirements

We may disclose your information if required by law, court order, or government regulation. This includes compliance with financial regulations, tax reporting requirements, or responding to lawful requests from authorities. We'll always notify you about such disclosures unless prohibited by law.

Business Transfers

If panoramicentivo is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We'll provide advance notice and ensure that any new entity continues to honor this privacy policy.

4. Data Security and Protection

Protecting your financial information is our top priority. We implement multiple layers of security to safeguard your data against unauthorized access, alteration, or disclosure. Our security measures are regularly updated to address evolving threats and maintain the highest standards of protection.

Technical Safeguards

We use industry-standard encryption protocols to protect your data both in transit and at rest. All sensitive information is encrypted using AES-256 encryption, and we employ secure socket layer (SSL) technology for all data transmissions. Our servers are hosted in secure data centers with 24/7 monitoring and physical security controls.

Security Measure	Description	Purpose
Data Encryption	AES-256 encryption for stored data	Protects data even if systems are compromised
SSL/TLS	Secure data transmission protocols	Prevents data interception during transfer
Access Controls	Role-based permission systems	Limits data access to authorized personnel only
Regular Audits	Third-party security assessments	Identifies and addresses potential vulnerabilities

Administrative Controls

Our team members undergo background checks and security training. Access to your personal information is strictly limited to employees who need it to perform their job functions. We maintain detailed logs of all data access and regularly review these records for any unusual activity.

Incident Response

In the unlikely event of a security breach, we have established procedures to quickly contain the incident, assess the impact, and notify affected users. We'll provide clear information about what happened, what information was involved, and what steps we're taking to prevent future incidents.

5. Your Rights and Choices

You have significant control over your personal information. We believe in empowering users with clear choices about their data. Here are the rights you have and how to exercise them:

Access and Portability

You can request a copy of all personal information we have about you. This includes account details, financial data, and usage history. We'll provide this information in a structured, commonly used format that you can easily transfer to another service if desired. Simply contact us at info@panoramicentivo.sbs with your request.

Correction and Updates

If any of your personal information is inaccurate or outdated, you can update it directly through your account settings or by contacting our support team. We'll promptly correct any errors and update our records accordingly.

Data Processing Restrictions

You can request that we limit how we process your personal information. For example, you might ask us to stop using your data for marketing purposes while continuing to provide core services. We'll honor these requests where technically feasible.

• Request access to your personal information
• Correct inaccurate or incomplete data
• Delete your personal information
• Restrict processing of your data
• Export your data in a portable format
• Opt out of marketing communications

6. Data Retention and Deletion

We keep your personal information only as long as necessary to provide our services and comply with legal requirements. Our retention periods vary depending on the type of information and how it's used. Here's our approach to data retention:

Account Information

We retain your basic account information (name, email, contact details) for as long as your account remains active. After account closure, we'll delete this information within 90 days unless we're required to retain it for legal or regulatory purposes.

Financial Data

Financial information and transaction records are typically retained for seven years to comply with accounting and tax regulations. However, we'll delete this data sooner if you specifically request it and we're not legally required to retain it.

Usage Analytics

Anonymous usage statistics and analytics data may be retained indefinitely to help us improve our services. This data is aggregated and doesn't contain personally identifiable information.

7. International Data Transfers

While panoramicentivo primarily operates in Malaysia, we may transfer your personal information to other countries for processing and storage. This happens when we use international service providers or cloud infrastructure. We ensure that all international transfers comply with applicable privacy laws and maintain appropriate safeguards.

Transfer Safeguards

When transferring data internationally, we use standard contractual clauses, adequacy decisions, or other legally approved mechanisms to ensure your information remains protected. All our international partners must meet the same privacy and security standards we maintain in Malaysia.

Data Localization

Where possible, we store Malaysian users' data within Malaysia or in countries with equivalent privacy protections. We're working to minimize international transfers while maintaining the reliability and performance of our services.

8. Children's Privacy

Our services are designed for adults and business use. We don't knowingly collect personal information from children under 13 years of age. If we discover that we've inadvertently collected information from a child, we'll delete it immediately and take steps to prevent future collection.

If you're a parent or guardian and believe your child has provided us with personal information, please contact us immediately at info@panoramicentivo.sbs. We'll work with you to remove any such information from our systems.

9. Updates to This Privacy Policy

We may update this privacy policy from time to time to reflect changes in our practices, technology, or legal requirements. We'll notify you of any significant changes by email or through prominent notices on our platform. We encourage you to review this policy periodically to stay informed about how we protect your information.

Notification Process

For major changes that affect how we collect, use, or share your information, we'll provide at least 30 days advance notice. This gives you time to review the changes and decide whether to continue using our services. Minor updates, such as clarifications or contact information changes, may be posted immediately.

Version History

We maintain a version history of our privacy policy so you can track changes over time. Previous versions are available upon request, and we'll explain what changes were made and why.