Cookie Policy

Introduction to Our Data Usage Practices

At harquimalixo, we believe transparency forms the foundation of trust between our platform and the financial professionals who rely on our valuation techniques and analytical tools. This comprehensive policy explains how we collect, use, and manage data through various tracking technologies on harquimalixo.sbs, ensuring you understand exactly what information we gather and how it enhances your experience with our financial education platform.

Our tracking technologies serve multiple purposes – from remembering your learning preferences to analyzing which valuation methods resonate most with Malaysian financial analysts. We've structured this policy to give you complete control over your data while maintaining the personalized experience that makes our platform valuable for professionals seeking to master advanced financial analysis techniques.

Types of Tracking Technologies We Use

Understanding the different types of tracking technologies helps you make informed decisions about your privacy preferences. Each type serves specific functions that contribute to your overall experience on our platform.

How We Collect and Use Your Data

Data collection on harquimalixo.sbs happens through several methods, each designed to improve specific aspects of your learning experience. When you access our financial valuation courses, we automatically collect certain technical information about your device, browser, and interaction patterns.

• Automatic Data Collection: We gather information about your device type, operating system, browser version, and screen resolution to ensure our financial calculators and interactive tools display correctly across all platforms.
• Usage Analytics: We track which valuation methods you study most frequently, how long you spend on specific modules, and which practice exercises you complete to personalize your learning recommendations.
• Performance Monitoring: We collect data about page loading times, error occurrences, and system performance to maintain optimal functionality for our complex financial modeling tools.
• Preference Storage: We remember your settings for things like calculator precision, preferred currency displays, and dashboard customizations to provide a consistent experience across sessions.

Data Retention and Storage

Different types of data are retained for varying periods based on their purpose and legal requirements. We've established clear retention schedules to ensure we keep information only as long as necessary while maintaining the quality of your learning experience.

Managing Your Cookie Preferences

You have complete control over how cookies and tracking technologies function on your device. While some cookies are essential for basic platform functionality, others can be disabled based on your privacy preferences without significantly impacting your learning experience.

Browser-Level Cookie Management

Every modern web browser provides built-in tools for managing cookies. Here's how to access these settings in popular browsers used by our community of financial professionals:

Browser	Cookie Management Location	Additional Options
Google Chrome	Settings → Privacy and Security → Cookies and site data	Site-specific permissions, third-party cookie blocking
Mozilla Firefox	Settings → Privacy & Security → Cookies and Site Data	Enhanced tracking protection, custom cookie rules
Safari	Preferences → Privacy → Manage Website Data	Intelligent tracking prevention, cross-site tracking blocking
Microsoft Edge	Settings → Cookies and site permissions → Cookies and site data	Tracking prevention levels, exception management

Impact of Disabling Cookies

While we respect your right to disable cookies, it's important to understand how this might affect your experience on harquimalixo.sbs. Essential cookies are required for basic functionality, but you can safely disable others based on your preferences.

• Disabling Essential Cookies: This will prevent login functionality, course progress tracking, and secure access to premium valuation tools. We strongly recommend keeping these enabled for optimal platform use.
• Disabling Functional Cookies: Your customization settings won't be remembered between sessions, requiring you to reconfigure your preferences each time you visit our platform.
• Disabling Analytics Cookies: This prevents us from understanding how you use our platform but doesn't affect your ability to access any features or content.
• Disabling Performance Cookies: We won't be able to optimize loading times and functionality based on your device characteristics, potentially leading to a less optimized experience.

Third-Party Services and Data Sharing

Our platform integrates with carefully selected third-party services to enhance functionality and provide comprehensive financial education resources. We maintain strict standards for any external services that may collect data through our platform.

These partnerships are limited to educational technology providers, content delivery networks, and analytics services that help us understand how to better serve Malaysian financial professionals. We never sell your data to third parties or allow unrestricted access to your personal information.

Your Rights and Control Options

As a user of harquimalixo.sbs, you have comprehensive rights regarding your data and how it's used. We've designed our platform to give you maximum control over your privacy while maintaining the educational value you expect from our financial training resources.

• Access Rights: You can request a complete report of what data we've collected about your usage of our platform, including learning progress, preferences, and interaction patterns.
• Correction Rights: If any of your stored information is inaccurate, you can request corrections or updates to ensure your profile accurately reflects your learning goals and preferences.
• Deletion Rights: You can request deletion of your account and associated data, though this will permanently remove your learning progress and access to our platform.
• Portability Rights: You can request an export of your learning data in a common format, allowing you to transfer your educational progress to other platforms if desired.

International Data Transfers

While harquimalixo operates primarily within the Malaysian market, some of our technical infrastructure and partner services may process data internationally. We ensure that any international data transfers meet strict security and privacy standards equivalent to or exceeding Malaysian data protection requirements.

When data is transferred internationally, we use appropriate safeguards such as standard contractual clauses, adequacy decisions, and encryption protocols to ensure your information remains protected regardless of its processing location.

Updates to This Policy

We regularly review and update our cookie policy to reflect changes in our platform, new technologies, and evolving privacy regulations. When we make significant changes that affect how we collect or use your data, we'll notify you through the platform and provide clear explanations of what's changing.

Minor updates that don't materially affect your rights or our data practices will be reflected in the "last updated" date at the top of this policy. We encourage you to review this policy periodically to stay informed about our data practices.