Privacy Policy

1. Information We Collect

1.1 Personal Data

We may collect the following types of personal data:

• Identity Information: Name, date of birth, gender
• Contact Information: Email address, phone number, mailing address
• Financial Information: Payment details (processed through secure third-party payment processors)
• Profile Information: Username and password, preferences, feedback, survey responses
• Usage Information: Information about how you use our website and services
• Marketing Information: Your preferences in receiving marketing from us

1.2 Special Categories of Personal Data

During coaching sessions, you may voluntarily share information about your financial situation, goals, mindset, and related personal experiences. We consider this sensitive information and handle it with additional care.

1.3 Automated Technologies or Interactions

When you interact with our website, we may automatically collect Technical Data about your equipment, browsing actions, and patterns, including:

• Internet protocol (IP) address
• Browser type and version
• Time zone setting and location
• Operating system and platform
• Information about your visit, including pages viewed, time spent on pages, and navigation paths

We collect this data using cookies, server logs, and similar technologies. Please see our Cookie Policy for more details.

2. How We Collect Your Personal Data

We use different methods to collect personal data from and about you, including:

• Direct interactions: You may provide your personal data when filling out forms, corresponding with us, or participating in our services.
• Automated technologies: As you interact with our website, we may automatically collect Technical Data about your equipment, browsing actions, and patterns.
• Third parties: We may receive personal data about you from various third parties, such as analytics providers and payment service providers.

3. How We Use Your Personal Data

We will only use your personal data when the law allows us to. Most commonly, we will use your personal data in the following circumstances:

• To provide and maintain our services
• To manage your relationship with us
• To process and deliver your orders
• To personalize your experience
• To improve our website and services
• To communicate with you about services, updates, and promotional offers (if you have opted in)
• To respond to your inquiries, comments, or questions
• To protect our rights, property, or safety
• To comply with legal obligations

We may process your personal data on more than one lawful basis, depending on the specific purpose for which we are using your data.

3.1 Marketing Communications

We may use your personal data to send you information about our services that might be of interest to you. You will receive marketing communications from us only if:

• You have requested information from us
• You have used our services
• You have provided us with your details when entering a promotion or registering for a free resource
• In each case, you have not opted out of receiving that marketing

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

• Clicking the "unsubscribe" link in any marketing email we send you
• Contacting us at [email protected]

4. Data Security

We have implemented appropriate security measures to prevent your personal data from being accidentally lost, used, accessed, altered, or disclosed in an unauthorized way. These measures include:

• Encryption of sensitive data
• Secure user authentication processes
• Regular security assessments
• Limited access to personal data on a need-to-know basis
• Procedures to deal with suspected personal data breaches

While we strive to use commercially acceptable means to protect your personal data, we cannot guarantee its absolute security. Any transmission of personal data is at your own risk.

5. Data Retention

We will retain your personal data only for as long as necessary to fulfill the purposes for which we collected it, including to satisfy any legal, accounting, or reporting requirements.

To determine the appropriate retention period for personal data, we consider:

• The amount, nature, and sensitivity of the personal data
• The potential risk of harm from unauthorized use or disclosure
• The purposes for which we process the data
• Whether we can achieve those purposes through other means
• Legal requirements

In general, we keep basic client information for 7 years after they cease being clients for tax and legal purposes. For marketing purposes, we retain information until you unsubscribe or ask us to delete your information.

6. Your Data Protection Rights

Under the Malaysia Personal Data Protection Act 2010 (PDPA), you have rights concerning your personal data, including:

• Right to Access: You have the right to request access to your personal data.
• Right to Correction: You have the right to request that we correct any incomplete or inaccurate data we hold about you.
• Right to Erasure: You have the right to request that we delete or remove your personal data where there is no good reason for us to continue processing it.
• Right to Restrict Processing: You have the right to request that we suspend the processing of your personal data in certain scenarios.
• Right to Data Portability: You have the right to request the transfer of your personal data to you or to a third party.
• Right to Object: You have the right to object to processing of your personal data for direct marketing purposes or where we are relying on a legitimate interest basis.
• Right to Withdraw Consent: You have the right to withdraw consent at any time where we are relying on consent to process your personal data.

If you wish to exercise any of these rights, please contact us at [email protected].

You will not have to pay a fee to access your personal data or to exercise any of your other rights. However, we may charge a reasonable fee if your request is clearly unfounded, repetitive, or excessive. Alternatively, we may refuse to comply with your request in these circumstances.

We may need to request specific information from you to help us confirm your identity and ensure your right to access your personal data (or to exercise any of your other rights). This is a security measure to ensure that personal data is not disclosed to any person who has no right to receive it.

7. Third-Party Disclosures

We may share your personal data with the following categories of third parties:

• Service Providers: We may share your information with third-party service providers who perform services on our behalf, such as payment processing, data analysis, email delivery, hosting services, and customer service.
• Professional Advisers: Including lawyers, bankers, auditors, and insurers who provide consulting, banking, legal, insurance, and accounting services.
• Authorities: We may disclose your information to regulatory authorities, law enforcement agencies, or government bodies when required by applicable laws and regulations.

We require all third parties to respect the security of your personal data and to treat it in accordance with the law. We do not allow our third-party service providers to use your personal data for their own purposes and only permit them to process your personal data for specified purposes and in accordance with our instructions.

8. International Transfers

We may transfer your personal data outside of Malaysia, including to countries that may not have the same level of data protection as Malaysia. Whenever we transfer your personal data to other countries, we ensure a similar degree of protection is afforded by implementing appropriate safeguards and ensuring at least one of the following:

• Transferring to countries that have been deemed to provide an adequate level of protection for personal data.
• Using specific contracts approved by relevant authorities which give personal data the same protection it has in Malaysia.
• Obtaining your explicit consent to the proposed transfer after informing you of the potential risks.

If you want further information on the specific mechanism used by us when transferring your personal data out of Malaysia, please contact us at [email protected].

9. Cookies

Our website uses cookies and similar tracking technologies to distinguish you from other users. This helps us provide you with a good experience when you browse our website and also allows us to improve our site.

For detailed information on the cookies we use, the purposes for which we use them, and how you can exercise your choices regarding cookies, please see our Cookie Policy.

10. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date at the top of this Privacy Policy.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.