Privacy Policy

Information We Collect

When you visit our budget literacy platform or enroll in our programs, we collect information that helps us provide better educational services. This includes personal details you share during registration, such as your name, email address, and phone number.

We also gather information about how you use our website - which pages you visit, how long you stay, and what content interests you most. This helps us understand what works well and what we can improve.

How We Use Your Information

Your information serves specific purposes that directly benefit your learning experience. We use your contact details to send program updates, schedule reminders, and share relevant financial literacy resources that match your interests.

Understanding your educational background helps us recommend appropriate courses and adjust our teaching methods. We're not trying to bombard you with marketing - instead, we focus on providing content that actually helps you build better financial habits.

Sometimes we analyze usage patterns across all users to identify which teaching methods work best. This helps us improve our programs, but we always look at this data in aggregate - never singling out individual users.

Data Sharing and Third Parties

We don't sell your personal information to anyone. That's a firm policy. However, we do work with trusted service providers who help us run our programs effectively.

For example, we use email services to send program updates, payment processors for course fees, and analytics tools to understand website performance. These companies can only use your information for the specific services they provide to us.

If we ever need to share information for legal reasons - like responding to a court order - we'll only provide what's legally required and will notify you when possible.

Your Rights and Control

Under Malaysian privacy law, you have several important rights regarding your personal information. You can request to see what information we have about you, ask us to correct any mistakes, or request deletion of your data.

Want to stop receiving our educational emails? Just click the unsubscribe link in any email or contact us directly. You can also request a copy of all your personal data in a format that's easy to understand.

If you have concerns about how we handle your information, you can file a complaint with Malaysia's Personal Data Protection Department. We take these matters seriously and will work to resolve any issues quickly.

Data Security and Protection

Protecting your information is something we take seriously. We use industry-standard encryption for data transmission and storage, and our servers are protected by multiple layers of security.

Our staff receives regular training on data protection practices, and we limit access to personal information to only those employees who need it for their work. We also conduct regular security audits to identify and fix potential vulnerabilities.

In the unlikely event of a data breach, we'll notify affected users within 72 hours and take immediate steps to secure the system and prevent further unauthorized access.

Data Retention and Deletion

We don't keep your information forever. For active program participants, we maintain your data for the duration of your enrollment plus two years for educational records and support purposes.

Marketing information is kept for three years from your last interaction with us. After that, we automatically delete contact details unless you've specifically requested to stay on our mailing list.

Financial transaction records are kept for seven years to comply with Malaysian tax and business regulations. Once these retention periods expire, we securely delete all personal information from our systems.

Cookies and Website Technology

Our website uses cookies to remember your preferences and improve your browsing experience. Essential cookies help the site function properly - like remembering items in your course cart or keeping you logged in.

We also use analytics cookies to understand which content is most helpful and where users might be having trouble. These cookies don't identify you personally but help us make the website better for everyone.

You can control cookie settings through your browser, but disabling essential cookies might affect how well the website works. Most browsers let you block or delete cookies, and we respect your choices about data collection.

Children's Privacy

Our budget literacy programs are designed for adults aged 18 and older. We don't knowingly collect personal information from children under 18 without parental consent.

If we discover that we've accidentally collected information from someone under 18, we'll delete it immediately. Parents who believe their child's information has been collected can contact us to request removal.

Policy Updates

We update this privacy policy occasionally to reflect changes in our services or legal requirements. When we make significant changes, we'll notify you by email and post the updated policy on our website.

Minor updates - like clarifying existing practices or fixing typos - are posted directly without individual notification. We always include the revision date at the top of the policy so you can see when changes were made.

Continued use of our services after policy updates indicates your acceptance of the changes. If you disagree with major changes, you can close your account or withdraw consent for data processing.