Privacy Policy

Introduction

Financial Literacy Courses Malaysia ("we," "our," or "us") is 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 courses, or interact with our services.

We encourage you to read this Privacy Policy carefully to understand our practices regarding your personal data. By accessing or using our services, you acknowledge that you have read and understood this Privacy Policy.

Information We Collect

Personal Information

We may collect the following types of personal information when you register for our courses, sign up for our newsletter, fill out contact forms, or interact with our website:

• Name, email address, phone number, and contact details
• Professional background and education history
• Financial goals and interests related to our courses
• Payment information (processed securely through third-party payment processors)
• Course participation and progress information

Automatically Collected Information

When you visit our website, we may automatically collect certain information about your device and browsing actions, including:

• IP address and geographical location
• Browser type and version
• Operating system
• Pages you view and how you navigate our website
• Time spent on pages and interaction information
• Referral sources

How We Use Your Information

We use the information we collect for various purposes, including:

• Providing, maintaining, and improving our services
• Processing course registrations and payments
• Communicating with you about your courses, account, or inquiries
• Sending newsletters, updates, and marketing communications (with your consent)
• Analyzing website usage to enhance user experience
• Complying with legal obligations
• Detecting and preventing fraudulent activities

Cookies and Similar Technologies

We use cookies and similar tracking technologies to collect information about your browsing activities. Cookies are small data files stored on your device that help us improve your experience on our website. They enable us to remember your preferences, understand how you use our site, and customize content accordingly.

You can control cookies through your browser settings and can choose to disable cookies, although this may affect your ability to use certain features of our website. We use the following types of cookies:

• Essential cookies: Required for the website to function properly
• Analytical/performance cookies: Help us understand how visitors interact with our website
• Functionality cookies: Enable enhanced functionality and personalization
• Targeting cookies: Record your visit to our website, pages visited, and links followed

Data Sharing and Disclosure

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

• Service Providers: Third-party vendors who help us operate our business (e.g., payment processors, cloud hosting providers, email delivery services)
• Educational Partners: Organizations that collaborate with us to provide financial literacy courses
• Regulatory Authorities: Government or regulatory bodies when required by law
• Professional Advisors: Accountants, lawyers, or consultants as necessary

We do not sell, rent, or trade your personal information to third parties for their marketing purposes without your explicit consent.

Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, accidental loss, alteration, or disclosure. While we strive to protect your information, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

Our security measures include:

• Encryption of sensitive data
• Regular security assessments
• Access controls and authentication procedures
• Staff training on data protection
• Regular backups and disaster recovery plans

Your Rights and Choices

Depending on your location, you may have various rights regarding your personal information, including:

• Right to access and receive a copy of your personal information
• Right to correct inaccurate or incomplete information
• Right to delete your personal information in certain circumstances
• Right to restrict or object to processing of your information
• Right to data portability
• Right to withdraw consent at any time (where processing is based on consent)

To exercise your rights, please contact us using the details provided in the "Contact Us" section. We will respond to your request within the timeframe required by applicable law.

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. The criteria used to determine our retention periods include:

• The duration of our relationship with you
• Legal obligations to retain data for certain periods
• Statute of limitations under applicable law
• Ongoing or potential disputes or legal claims
• Guidelines from relevant data protection authorities

Children's Privacy

Our services are not directed to children under the age of 18. We do not knowingly collect personal information from children under 18. If you are a parent or guardian and believe that your child has provided us with personal information, please contact us, and we will take steps to delete such information.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last Updated" date. We encourage you to review this Privacy Policy periodically for any changes.

Contact Us

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