Privacy Policy

Introduction

At FinanceMY, we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, register for our financial literacy courses, or engage with our educational services in Malaysia.

We understand the importance of financial privacy and data protection, especially when dealing with educational services that may involve sensitive financial information. This policy outlines our practices in accordance with Malaysian data protection laws and international privacy standards.

Information We Collect

Personal Information

We may collect the following types of personal information when you interact with our services:

• Contact Information: Name, email address, phone number, mailing address, and emergency contact details
• Educational Information: Educational background, professional experience, financial literacy level, course preferences, and learning objectives
• Financial Information: Payment details for course fees (processed through secure payment gateways), billing address, and transaction history
• Identification Information: NRIC number, passport number (for international students), date of birth, and nationality for course certification purposes
• Communication Records: Correspondence with our support team, feedback forms, course evaluations, and testimonials

Automatically Collected Information

When you visit our website or use our online learning platform, we automatically collect certain information:

• Device Information: IP address, browser type and version, operating system, device identifiers, and mobile network information
• Usage Information: Pages visited, time spent on each page, click patterns, course progress, quiz results, and interaction with course materials
• Location Information: General location based on IP address to provide localized content and comply with regional regulations
• Cookies and Tracking: Website preferences, login status, and analytics data through cookies and similar technologies

How We Use Your Information

We use the collected information for the following legitimate purposes:

Educational Services

• Providing financial literacy courses and educational content tailored to Malaysian financial markets
• Tracking course progress and issuing certificates of completion
• Personalizing learning experiences based on your financial knowledge level and goals
• Facilitating communication between instructors and students

Administrative Purposes

• Processing course registrations and managing student accounts
• Handling payment transactions and issuing receipts
• Providing customer support and responding to inquiries
• Maintaining accurate records for regulatory compliance

Communication and Marketing

• Sending course updates, schedules, and important announcements
• Providing information about new courses and educational opportunities
• Sharing relevant financial literacy tips and market insights
• Conducting surveys to improve our services (with your consent)

Legal and Safety

• Complying with Malaysian educational regulations and data protection laws
• Protecting against fraud, security breaches, and unauthorized access
• Resolving disputes and enforcing our terms of service
• Cooperating with law enforcement when legally required

Information Sharing and Disclosure

We respect your privacy and do not sell, rent, or trade your personal information to third parties. However, we may share your information in the following limited circumstances:

Service Providers

We may share information with trusted third-party service providers who assist us in operating our business, including:

• Payment processors for secure transaction handling
• Cloud hosting providers for data storage and website functionality
• Email service providers for communication and marketing
• Analytics providers to understand website usage and improve user experience

Educational Partners

With your consent, we may share relevant information with:

• Certified financial planning organizations for professional accreditation
• Malaysian educational institutions for credit transfer purposes
• Industry employers for job placement assistance
• Guest instructors and subject matter experts

Legal Requirements

We may disclose your information when required by law or to:

• Comply with legal processes, court orders, or government requests
• Protect our rights, property, or safety, and that of our users
• Investigate and prevent fraud or security violations
• Respond to emergency situations involving personal safety

Data Security and Protection

We implement comprehensive security measures to protect your personal information:

Technical Safeguards

• SSL encryption for all data transmission
• Secure servers with regular security updates and monitoring
• Multi-factor authentication for administrative access
• Regular security audits and vulnerability assessments

Administrative Safeguards

• Limited access to personal information on a need-to-know basis
• Employee training on data protection and privacy practices
• Regular review and updating of security policies
• Incident response procedures for potential data breaches

While we strive to protect your personal information, no method of transmission over the internet or electronic storage is completely secure. We cannot guarantee absolute security but are committed to using industry-standard practices to safeguard your data.

Your Privacy Rights

As a user of our services, you have the following rights regarding your personal information:

Access and Portability

• Request access to the personal information we hold about you
• Obtain a copy of your data in a structured, machine-readable format
• Request transfer of your data to another service provider

Correction and Updates

• Update or correct inaccurate personal information
• Complete incomplete information in your profile
• Modify your communication preferences

Deletion and Restriction

• Request deletion of your personal information (subject to legal requirements)
• Restrict processing of your data for specific purposes
• Object to processing based on legitimate interests

Communication Preferences

• Opt-out of marketing communications at any time
• Choose specific types of communications you wish to receive
• Update contact preferences and frequency

To exercise any of these rights, please contact us using the information provided in the "Contact Us" section below. We will respond to your request within 30 days and may require verification of your identity.

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance your browsing experience and provide personalized services. We use the following types of cookies:

Essential Cookies

These cookies are necessary for the website to function properly and cannot be disabled:

• Session management and user authentication
• Security and fraud prevention
• Load balancing and performance optimization

Analytics Cookies

These cookies help us understand how visitors interact with our website:

• Page views and popular content tracking
• User journey and navigation patterns
• Performance metrics and error reporting

Marketing Cookies

These cookies are used to deliver relevant advertisements and measure campaign effectiveness:

• Targeted advertising based on interests
• Social media integration and sharing
• Email marketing personalization

You can control cookie settings through your browser preferences or by using our cookie consent banner when you first visit our website. Disabling certain cookies may limit some website functionality.

Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. Our data retention practices include:

Student Records

• Course completion records: 7 years for certification purposes
• Payment and transaction history: 7 years for financial compliance
• Academic transcripts and certificates: Permanently, unless requested for deletion

Communication Records

• Customer support interactions: 3 years
• Marketing communications: Until you opt-out or request deletion
• Website usage logs: 2 years for analytics and security purposes

Account Information

• Active accounts: Retained while account is active
• Inactive accounts: Deleted after 3 years of inactivity
• Closed accounts: Deleted within 90 days unless legally required to retain

International Data Transfers

As a Malaysian-based educational institution, we primarily store and process your data within Malaysia. However, some of our service providers may be located in other countries. When we transfer your data internationally, we ensure:

• Adequate protection through contractual safeguards
• Compliance with Malaysian data protection regulations
• Use of reputable service providers with strong privacy practices
• Regular monitoring of international data processing activities

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make significant changes, we will:

• Post the updated policy on our website with a new effective date
• Notify registered users via email about material changes
• Provide a summary of key changes on our website
• Allow a reasonable transition period for you to review the changes

We encourage you to review this Privacy Policy periodically to stay informed about how we protect your privacy. Your continued use of our services after changes become effective constitutes acceptance of the updated policy.

Contact Information

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us: