Privacy Policy

Introduction

Welcome to FinLit Malaysia ("we," "our," or "us"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, use our services, or enroll in our financial literacy courses. We respect your privacy and are committed to protecting your personal data in accordance with applicable Malaysian laws and international best practices.

By accessing our website or using our services, you acknowledge that you have read, understood, and agree to be bound by the terms of this Privacy Policy. If you do not agree with the practices described in this policy, please do not use our services.

Information We Collect

Personal Information

We may collect personal information that you voluntarily provide to us when you:

• Register for our courses or services
• Fill out contact forms or inquiry forms
• Subscribe to our newsletter or marketing communications
• Create an account on our platform
• Participate in surveys, contests, or promotional activities
• Contact us directly via email, phone, or other communication channels

This personal information may include:

• Full name and contact details (email address, phone number, mailing address)
• Educational background and professional information
• Financial goals and learning objectives
• Payment information (processed securely through third-party payment processors)
• Age, nationality, and demographic information
• Communication preferences and feedback

Technical Information

We automatically collect certain technical information when you visit our website:

• IP address and location data
• Browser type, version, and settings
• Device information (operating system, screen resolution, device type)
• Website usage data (pages visited, time spent, click patterns)
• Referral sources and search terms used to find our website
• Cookies and similar tracking technologies data

How We Use Your Information

Service Provision and Course Delivery

We use your personal information to provide, maintain, and improve our financial literacy courses and services, including personalizing your learning experience and providing customer support.

Communication and Marketing

With your consent, we may use your information to:

• Send you course updates, educational content, and newsletters
• Provide information about new courses, events, and promotional offers
• Respond to your inquiries and provide customer support
• Conduct surveys to improve our services

Legal and Business Operations

We may process your information to:

• Comply with legal obligations and regulatory requirements
• Protect our rights, privacy, safety, or property
• Prevent fraud and ensure website security
• Analyze website usage and improve our digital presence
• Facilitate business transfers or acquisitions

Information Sharing and Disclosure

We do not sell, trade, or otherwise transfer your personal information to third parties except in the following circumstances:

Service Providers and Partners

We may share your information with trusted third-party service providers who assist us in operating our website, conducting business, or providing services to you. These parties are contractually obligated to keep your information confidential and use it only for the specified purposes.

Legal Requirements

We may disclose your information when required by law, court order, or governmental authority, or when we believe disclosure is necessary to protect our rights, comply with judicial proceedings, or respond to legal claims.

Business Transfers

In the event of a merger, acquisition, or sale of all or part of our business, your information may be transferred to the acquiring entity, subject to the same privacy protections outlined in this policy.

Data Security and Protection

We implement comprehensive security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. Our security practices include:

• SSL encryption for data transmission
• Secure servers and firewalls
• Regular security audits and updates
• Limited access controls for staff members
• Data backup and recovery procedures
• Employee training on data protection protocols

While we strive to protect your personal information, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security but will notify you promptly of any security breaches that may affect your personal data.

Your Rights and Choices

Access and Correction

You have the right to access, update, or correct your personal information. You can do this by logging into your account or contacting us directly.

Data Portability and Deletion

You may request a copy of your personal data in a structured, commonly used format, or request deletion of your personal information, subject to legal and contractual obligations.

Communication Preferences

You can opt out of marketing communications at any time by:

• Using the unsubscribe link in our emails
• Updating your communication preferences in your account settings
• Contacting us directly with your request

Cookie Management

You can control cookie settings through your browser preferences. Please note that disabling certain cookies may affect website functionality and your user experience.

Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, comply with legal obligations, resolve disputes, and enforce our agreements. Our retention periods vary depending on the type of information:

• Course enrollment and academic records: 7 years after course completion
• Marketing communications data: Until you unsubscribe or request deletion
• Website usage data: 24 months from collection
• Financial transaction records: 7 years as required by Malaysian law
• Customer support communications: 3 years from last interaction

International Data Transfers

Your information may be transferred to and processed in countries other than Malaysia, including countries that may not have the same data protection laws. When we transfer your personal data internationally, we ensure appropriate safeguards are in place through:

• Standard contractual clauses approved by relevant authorities
• Adequacy decisions recognizing appropriate data protection levels
• Certification schemes and codes of conduct
• Privacy Shield frameworks where applicable

Third-Party Services and Links

Our website may contain links to third-party websites, services, or applications. We are not responsible for the privacy practices of these external sites. We encourage you to review the privacy policies of any third-party services you visit or use.

We may integrate with third-party services such as:

• Payment processors for secure transactions
• Analytics tools to understand website usage
• Social media platforms for sharing and engagement
• Learning management systems for course delivery
• Customer support tools for better service

Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18 years of age. If we become aware that we have collected personal information from a child under 18, we will take steps to delete such information promptly.

If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately so we can take appropriate action.

Changes to This Privacy Policy

We reserve the right to update this Privacy Policy periodically to reflect changes in our practices, technology, legal requirements, or business operations. We will notify you of material changes through:

• Email notifications to registered users
• Prominent notices on our website
• Updates to the effective date at the top of this policy

Your continued use of our services after any changes to this Privacy Policy constitutes acceptance of those changes. We encourage you to review this policy regularly to stay informed about how we protect your information.

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