Privacy Policy

Who We Are

Sharp-node operates from Malaysia, helping families take control of their finances through practical budgeting tools and educational resources. We've been working with Malaysian families since 2022, and we understand the unique financial challenges that come with managing household expenses in today's economy.

This privacy policy applies to all services we provide through sharp-node.com, including our budgeting tools, educational programs, and customer support. When we say "we" or "us," we mean Sharp-node and our team members who help deliver these services.

Information We Collect

We only collect information that helps us provide better budgeting guidance and improve our services. Here's what we gather and why:

Information We Don't Collect

We deliberately avoid collecting sensitive data that isn't necessary for our services. We don't request your actual bank account numbers, credit card details, or specific transaction amounts. Our focus is on helping you understand spending patterns and create realistic budgets, not accessing your actual financial accounts.

How We Use Your Information

Every piece of information we collect serves a specific purpose in helping you achieve better financial management:

• Providing personalized budgeting recommendations based on your family's income and expenses
• Sending you relevant educational content about financial planning and money management
• Tracking your progress toward financial goals and celebrating your achievements
• Improving our tools and resources based on how families actually use them
• Responding to your questions and providing technical support when needed
• Complying with Malaysian financial regulations and legal requirements

We don't sell your data to third parties or use it for advertising purposes. Our business model is based on providing valuable budgeting services, not monetizing your personal information.

Data Sharing and Third Parties

We work with a small number of trusted service providers who help us deliver our budgeting services effectively. These partnerships are carefully managed to protect your privacy:

Service Providers We Work With

• Cloud Hosting: We use secure Malaysian data centers to store your information safely and ensure fast access to our budgeting tools
• Email Services: Trusted email providers help us send you program updates and educational content, with strict data protection agreements in place
• Analytics Tools: We use privacy-focused analytics to understand how our tools are used, but this data is anonymized and aggregated
• Payment Processing: Secure payment processors handle subscription payments, but they only receive necessary transaction information

When We Might Share Information

There are very limited circumstances where we might share your personal information:

• If required by Malaysian law or legal process
• To protect our services from fraud or security threats
• If you explicitly consent to sharing with a specific third party
• In the unlikely event of a business merger or acquisition, with your consent

Your Privacy Rights

Under Malaysian data protection laws, you have significant control over your personal information. Here are your rights and how to exercise them:

How to Exercise Your Rights

To exercise any of these rights, simply email us at info@sharp-node.com with your request. Include your account email address and specify which right you want to exercise. We'll respond within 7 business days to acknowledge your request and within 30 days to complete it.

Data Security Measures

We take protecting your financial information seriously. Our security measures are designed to prevent unauthorized access, data breaches, and other privacy violations:

Despite our security measures, no system is 100% secure. If we ever discover a data breach that affects your information, we'll notify you within 72 hours and provide clear steps to protect yourself.

Data Retention Periods

We don't keep your information forever. Here's how long we retain different types of data and why:

You can request early deletion of your data at any time, except for information we're legally required to retain. We'll delete everything else and anonymize any remaining records.

International Data Transfers

We primarily store and process data within Malaysia using local data centers. However, some of our service providers operate internationally, which means your data might occasionally be processed outside Malaysia.

When this happens, we ensure adequate protection through:

• Contractual agreements requiring the same privacy standards we maintain
• Choosing providers in countries with strong data protection laws
• Additional encryption and security measures for international transfers
• Regular audits to ensure compliance with Malaysian privacy requirements

If you prefer to keep your data exclusively within Malaysia, please let us know and we'll work with you to accommodate this preference where technically possible.

Changes to This Policy

We review and update this privacy policy annually or whenever we make significant changes to our data practices. When updates occur, we'll notify you through:

• Email notification to all active account holders
• Prominent notice on our website for 30 days
• In-app notification when you next log into your account

Major changes that significantly affect your privacy rights will include a 60-day notice period, giving you time to review the changes and decide whether to continue using our services.

You can always find the most current version of this policy at sharp-node.com/privacy-policy, and we archive previous versions so you can track changes over time.