Cookie & Data Usage Policy
Understanding how Jovexyzalora collects, uses, and manages your data to provide personalized retirement planning services while respecting your privacy preferences.
Last Updated: January 15, 2025
What Are Cookies and Tracking Technologies?
Cookies are small text files that websites store on your device when you visit them. Think of them as digital bookmarks that help websites remember your preferences and provide a smoother browsing experience. At Jovexyzalora, we use various tracking technologies including cookies, web beacons, and local storage to enhance your retirement planning journey.
These technologies work behind the scenes to remember your login status, save your calculation preferences, and help us understand which parts of our retirement planning tools are most valuable to our users. Without cookies, you'd need to re-enter your information every time you visit our site, and we wouldn't be able to provide personalized recommendations for your retirement goals.
Session Cookies
Temporary cookies that disappear when you close your browser. These keep you logged in while navigating between our retirement planning tools and calculators.
Persistent Cookies
Cookies that remain on your device for a set period. These remember your preferences and settings for future visits, making your experience more efficient.
Web Beacons
Tiny invisible images that help us understand how you interact with our email newsletters and which sections of our website you find most useful.
Local Storage
Browser storage that keeps your retirement planning data and preferences accessible even when you're offline or experiencing connection issues.
Types of Data We Collect
Jovexyzalora collects different types of information to provide comprehensive retirement planning services. We're transparent about what we collect and why it's necessary for helping you achieve your retirement goals. Here's a breakdown of the information we gather:
- Essential Information: Your name, email address, and basic demographic information needed to create your personalized retirement plan and communicate important updates about your account.
- Financial Planning Data: Information about your current savings, income, retirement timeline, and financial goals that helps us provide accurate retirement projections and recommendations.
- Usage Analytics: How you navigate our website, which tools you use most frequently, and where you spend time learning about retirement strategies.
- Device Information: Your browser type, operating system, and device specifications to ensure our retirement planning tools work smoothly across all platforms.
- Communication Preferences: Your choices about receiving educational content, market updates, and retirement planning tips via email or other channels.
- Location Data: General geographic information to provide relevant retirement planning advice based on Malaysian regulations and financial systems.
Your Financial Data Security
We never store sensitive financial account numbers or passwords. All financial information you share with Jovexyzalora is encrypted using bank-level security protocols and is only used to generate your personalized retirement recommendations. You maintain complete control over what financial information you choose to share with us.
How We Use Tracking Technologies
Our tracking technologies serve specific purposes in helping you plan for retirement effectively. We categorize our tracking into four main areas, each designed to enhance different aspects of your experience with Jovexyzalora's retirement planning platform.
Essential Functionality
These cookies keep our retirement planning tools working properly. They remember your login status, save your calculation progress, and ensure secure access to your personal retirement planning dashboard.
Performance Enhancement
We track how our retirement calculators and planning tools perform to identify areas for improvement. This helps us make our platform faster and more reliable for all users.
Personalization
These tracking technologies help us customize your retirement planning experience based on your goals, timeline, and preferences. They enable personalized content recommendations and targeted educational resources.
Analytics & Insights
We analyze user behavior to understand which retirement planning features are most valuable and identify opportunities to expand our educational content and tools.
For example, when you use our retirement savings calculator, cookies remember your input values so you don't need to re-enter your information each time you adjust your projections. Similarly, our tracking helps us understand that users who engage with our EPF optimization content are more likely to explore our retirement income strategies, allowing us to suggest relevant resources.
Managing Your Cookie Preferences
You have complete control over how cookies and tracking technologies work on your device. While some cookies are essential for our retirement planning tools to function properly, you can adjust settings for non-essential tracking based on your comfort level and privacy preferences.
- Browser Settings: Most browsers allow you to block all cookies, accept only first-party cookies, or receive notifications when cookies are being set. Access these settings through your browser's privacy or security menu.
- Essential Cookies: These cannot be disabled as they're necessary for basic website functionality, including accessing your retirement planning dashboard and using our calculation tools.
- Analytics Cookies: You can opt out of analytics tracking while still enjoying full access to all Jovexyzalora retirement planning features and educational content.
- Marketing Cookies: These can be disabled if you prefer not to receive personalized content recommendations, though you'll still have access to all our retirement planning resources.
- Third-Party Cookies: Some external services we integrate with may set their own cookies. You can manage these through your browser settings or by contacting us for assistance.
Impact of Disabling Cookies
While you can disable most cookies, doing so may affect your experience with Jovexyzalora's retirement planning tools. You might need to re-enter information more frequently, and some personalized features may not work as effectively. However, all core functionality will remain available regardless of your cookie preferences.
Data Retention and Your Rights
Jovexyzalora maintains your data only as long as necessary to provide retirement planning services and comply with Malaysian financial regulations. We believe in data minimization – keeping only what's useful for your retirement planning journey and securely deleting information that's no longer needed.
Active Account Data: Information for active users is retained to maintain continuity in retirement planning and to provide historical tracking of your progress toward retirement goals. This includes your saved calculations, preferences, and communication history.
Inactive Account Data: If you don't access your Jovexyzalora account for 24 months, we'll send notifications about potential account closure. After 36 months of inactivity, personal data is anonymized or deleted, though you can reactivate your account anytime before this period expires.
Your Data Rights: You can request access to all data we hold about you, ask for corrections to any inaccurate information, or request deletion of your account and associated data. We'll process these requests within 30 days and provide confirmation of any actions taken.
Data Portability: If you decide to use a different retirement planning service, we can provide your data in a standard format that makes it easy to transfer your information. This includes your saved calculations, goals, and planning timeline.
Questions About Our Data Practices?
We're committed to transparency in how we handle your information. If you have questions about our cookie usage, want to adjust your privacy settings, or need help understanding any aspect of our data practices, our team is here to help.