Privacy Policy
Last Updated: March 15, 2025
Introduction
FlowPlusDigital ("we", "us", "our") operates flowplusdigital.com and provides educational services related to stock market trading fundamentals. This privacy policy explains how we collect, use, store, and protect your personal information when you visit our website or use our services.
We are committed to protecting your privacy and maintaining the confidentiality of your personal data in accordance with Malaysia's Personal Data Protection Act 2010 (PDPA) and international privacy standards. By accessing our website or using our services, you acknowledge that you have read and understood this privacy policy.
Information We Collect
We collect various types of information to provide and improve our educational services. The information we gather falls into several categories:
Personal Information
Name, email address, phone number, mailing address, and other contact details you provide when registering for our programs or contacting us.
Account Information
Username, password, learning preferences, course progress, and participation in our educational programs.
Technical Information
IP address, browser type, device information, operating system, and website usage patterns collected through cookies and analytics tools.
Communication Data
Records of correspondence, feedback, survey responses, and any other communications between you and FlowPlusDigital.
- Directly from you when you register for courses, subscribe to newsletters, or contact us
- Automatically through cookies and tracking technologies when you browse our website
- From third-party services like payment processors and email service providers
- Through analytics tools that help us understand website performance and user behavior
- When you participate in surveys, webinars, or other educational activities
How We Use Your Information
Your personal information serves several important purposes in delivering our educational services effectively. We process your data for the following reasons:
Primary Uses
- Providing access to our stock market trading educational programs and resources
- Processing registrations and managing your learning account
- Communicating course updates, schedules, and educational content
- Responding to inquiries and providing customer support
- Personalizing your learning experience based on your progress and preferences
- Sending newsletters and educational materials you've subscribed to receive
Secondary Uses
- Improving our website functionality and user experience
- Conducting research to enhance our educational programs
- Analyzing usage patterns to develop better learning resources
- Ensuring website security and preventing fraudulent activities
- Complying with legal obligations and regulatory requirements
- Marketing our services to existing students with relevant educational opportunities
We only use your information for purposes that are necessary for our educational services or where we have obtained your explicit consent. We do not sell your personal information to third parties for their marketing purposes.
Information Sharing and Disclosure
We maintain strict controls over how your personal information is shared. FlowPlusDigital may disclose your information only in the following circumstances:
We work with trusted third-party service providers who assist in delivering our educational services. These include:
- Payment processors for handling course fees and transactions
- Email service providers for delivering course communications
- Cloud hosting services for secure data storage
- Analytics providers for website performance monitoring
- Learning management system providers for course delivery
Important Note
All third-party service providers are contractually bound to protect your information and use it only for the specific services they provide to us. They cannot use your data for their own purposes or share it with other parties.
We may disclose your information when required by law, including:
- Responding to court orders, legal processes, or government requests
- Complying with regulatory requirements in Malaysia
- Protecting our legal rights and defending against legal claims
- Preventing fraud or other illegal activities
- Ensuring the safety and security of our users and services
Data Security Measures
Protecting your personal information is fundamental to our operations. We have implemented comprehensive security measures to safeguard your data:
- SSL encryption for all data transmission between your browser and our servers
- Secure servers with firewall protection and intrusion detection systems
- Regular security audits and vulnerability assessments
- Encrypted storage of sensitive personal information
- Multi-factor authentication for administrative access
- Regular software updates and security patches
- Access controls limiting staff access to personal information on a need-to-know basis
- Regular training for employees on data protection and privacy practices
- Confidentiality agreements with all staff and service providers
- Incident response procedures for potential data breaches
- Regular review and updating of security policies
While we implement robust security measures, no system is completely secure. We encourage you to use strong passwords and keep your account information confidential. If you suspect any unauthorized access to your account, please contact us immediately.
Data Retention and Deletion
We retain your personal information only as long as necessary to fulfill the purposes outlined in this privacy policy or as required by law. Our retention periods vary depending on the type of information:
| Data Type | Retention Period | Reason |
|---|---|---|
| Account Information | Duration of account + 2 years | Educational records and support |
| Course Progress Data | 5 years after course completion | Certification and transcript purposes |
| Payment Information | 7 years | Legal and tax requirements |
| Marketing Communications | Until unsubscribed + 1 year | Compliance and preference management |
| Website Analytics Data | 26 months | Performance analysis and improvement |
| Support Communications | 3 years | Quality assurance and reference |
We have implemented automated systems to delete personal information when retention periods expire. However, some information may be retained longer if:
- Required for ongoing legal proceedings or investigations
- Necessary to comply with regulatory requirements
- You have specifically requested extended retention for your educational records
- Technical limitations prevent immediate deletion (in which case it is securely archived)
Your Privacy Rights
Under Malaysia's Personal Data Protection Act 2010 and international privacy standards, you have several important rights regarding your personal information:
- Request a copy of all personal information we hold about you
- Receive information about how your data is being processed
- Access your course progress and educational records
- Review communication preferences and marketing subscriptions
- Update or correct inaccurate personal information
- Request deletion of your personal data (subject to legal requirements)
- Withdraw consent for data processing where consent is the legal basis
- Object to certain types of data processing
- Request restriction of processing in specific circumstances
- Request a machine-readable copy of your personal data
- Transfer your educational records to another institution
- Export your course progress and learning achievements
To exercise any of these rights, please contact us using the information provided below. We will respond to your request within 21 days as required by Malaysian law. You may need to provide identification to verify your identity before we can process certain requests.
If you are not satisfied with how we handle your privacy rights, you have the right to lodge a complaint with the Personal Data Protection Commissioner of Malaysia or seek legal recourse through Malaysian courts.
Cookies and Tracking Technologies
Our website uses cookies and similar tracking technologies to enhance your browsing experience and provide personalized services. Understanding how these technologies work helps you make informed decisions about your privacy.
Essential Cookies
Required for website functionality, including login sessions, security features, and basic navigation. These cannot be disabled.
Analytics Cookies
Help us understand how visitors interact with our website, including popular pages, time spent, and user pathways.
Preference Cookies
Remember your settings and preferences, such as language choices, course bookmarks, and display options.
Marketing Cookies
Track your interests to provide relevant educational content and course recommendations across our website.
You can control cookie settings through your browser preferences. However, disabling certain cookies may limit website functionality. Most browsers allow you to:
- View and delete existing cookies
- Block cookies from specific websites
- Block third-party cookies
- Clear cookies when closing the browser
- Set notifications before cookies are stored
We also use web beacons and pixel tags in our email communications to track delivery and engagement rates. You can disable these by turning off images in your email client.
International Data Transfers
While FlowPlusDigital is based in Malaysia, some of our service providers may process your personal information outside Malaysia. When we transfer your data internationally, we ensure appropriate safeguards are in place:
- Contractual agreements requiring equivalent data protection standards
- Transfers only to countries with adequate data protection laws
- Implementation of additional security measures for international transfers
- Regular monitoring of international service providers' compliance
- Limited data transfers only when necessary for service provision
We maintain a record of all international data transfers and the safeguards applied. If you have concerns about international processing of your data, please contact us to discuss alternative arrangements where possible.
Children's Privacy
Our educational services are designed for adults interested in stock market trading education. We do not knowingly collect personal information from children under 18 years of age without parental consent.
If we discover that we have collected personal information from a child under 18 without proper consent, we will delete this information immediately. Parents or guardians who believe their child has provided personal information to us should contact us using the details provided below.
For users between 16-18 years old interested in our educational programs, we require parental consent before collecting any personal information or providing access to our courses.
Changes to This Privacy Policy
We regularly review and update this privacy policy to reflect changes in our services, legal requirements, or privacy practices. When we make material changes, we will:
- Update the "Last Updated" date at the top of this policy
- Send email notifications to registered users about significant changes
- Post prominent notices on our website highlighting key updates
- Provide a summary of changes in our next newsletter
- Maintain an archive of previous policy versions for reference
We encourage you to review this privacy policy periodically to stay informed about how we protect your information. Continued use of our services after policy updates constitutes acceptance of the revised terms.
If you disagree with changes to our privacy policy, you may close your account or contact us to discuss your concerns. We will work with you to address privacy-related issues whenever possible.
Contact Information
If you have questions about this privacy policy, want to exercise your privacy rights, or need to report a privacy concern, please contact us:
Address: Jalan S.P Seenivasagam, 30000 Ipoh, Perak, Malaysia
Phone: +6088719066
Email: info@flowplusdigital.com
Privacy Email: privacy@flowplusdigital.com
We are committed to addressing your privacy concerns promptly and thoroughly. Our privacy team reviews all inquiries within 5 business days and provides detailed responses within 21 days as required by Malaysian law.
For urgent privacy matters or suspected data breaches, please call our privacy hotline at +6088719066 or email privacy@flowplusdigital.com with "URGENT PRIVACY MATTER" in the subject line.