Privacy Policy

1. Introduction

fiisscalede is committed to protecting the privacy and security of your personal data. This Privacy Policy explains how we collect, use, store, and protect information about participants in our financial education programs and visitors to our website.

By enrolling in our programs or using our website, you consent to the data practices described in this policy. We operate in accordance with the Malaysian Personal Data Protection Act 2010 (PDPA).

If you have any questions about this Privacy Policy or how we handle your data, please contact us at [email protected]

2. Data We Collect

We collect and process the following types of personal data:

2.1 Information You Provide

• Name, email address, phone number when you contact us or enroll in programs
• Financial information discussed during program sessions (handled with strict confidentiality)
• Payment information for program enrollment (processed securely through third-party payment processors)
• Feedback and communications you send to us

2.2 Automatically Collected Information

• IP address, browser type, and device information when you visit our website
• Pages visited and time spent on our website
• Cookies and similar tracking technologies (see our Cookie Policy for details)

3. How We Use Your Data

We use your personal data for the following purposes:

• Program Delivery: To administer and deliver our financial education programs, including scheduling sessions and providing materials
• Communication: To respond to your inquiries, send program updates, and provide customer support
• Payment Processing: To process enrollment fees and manage financial transactions
• Service Improvement: To analyze program effectiveness and improve our educational offerings
• Legal Compliance: To comply with Malaysian laws and regulations, including tax requirements
• Marketing: To send information about new programs or educational resources (only with your explicit consent, which you can withdraw at any time)

4. Legal Basis for Processing

We process your personal data based on:

• Consent: You have given explicit consent for us to process your data for specific purposes
• Contract: Processing is necessary to fulfill our obligations under the program enrollment agreement
• Legitimate Interest: Processing is necessary for our legitimate business interests, such as improving our services
• Legal Obligation: Processing is required to comply with Malaysian legal requirements

5. Data Sharing and Disclosure

We do not sell your personal data. We may share your information with:

• Service Providers: Third-party payment processors, email service providers, and website hosting services that assist in operating our business
• Legal Requirements: Law enforcement, regulatory authorities, or legal advisors when required by Malaysian law
• Business Transfers: In the event of a merger, acquisition, or sale of assets, with appropriate notification to affected individuals

All third-party service providers are contractually obligated to maintain appropriate data protection standards.

6. Data Retention

We retain your personal data for as long as necessary to fulfill the purposes outlined in this Privacy Policy:

• Participant Records: Maintained for 7 years after program completion for legal and tax compliance purposes
• Marketing Communications: Until you unsubscribe or request removal
• Website Analytics Data: Typically retained for 26 months
• Payment Records: Retained for 7 years as required by Malaysian tax regulations

After the retention period expires, we securely delete or anonymize your personal data.

7. Data Security

We implement appropriate technical and organizational measures to protect your personal data:

• Secure encrypted storage of sensitive information
• Access controls limiting who can view personal data
• Regular security assessments and updates
• Secure communication channels for sensitive discussions
• Employee training on data protection requirements
• Secure deletion procedures for data no longer needed

While we take reasonable precautions, no internet transmission or electronic storage is completely secure. We cannot guarantee absolute security but continuously work to maintain appropriate protections.

8. Your Rights

Under the Malaysian Personal Data Protection Act, you have the following rights:

• Access: Request a copy of the personal data we hold about you
• Correction: Request correction of inaccurate or incomplete data
• Erasure: Request deletion of your personal data (subject to legal retention requirements)
• Withdrawal of Consent: Withdraw consent for marketing communications or other processing activities
• Restriction: Request that we limit how we use your data
• Objection: Object to processing based on legitimate interests
• Data Portability: Receive your data in a structured, commonly used format

To exercise these rights, contact us at [email protected]. We will respond to your request within 21 days as required by Malaysian law.

9. Cookies and Tracking

Our website uses cookies and similar technologies. For detailed information about the cookies we use and how to manage them, please refer to our Cookie Policy.

10. Third-Party Links

Our website may contain links to external websites. We are not responsible for the privacy practices of these third-party sites. We encourage you to review their privacy policies before providing any personal information.

11. Children's Privacy

Our programs are designed for adults aged 18 and above. We do not knowingly collect personal data from individuals under 18. If we discover we have inadvertently collected such information, we will delete it promptly.

12. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. We will notify you of significant changes by:

• Posting the updated policy on our website with a new "Last Updated" date
• Sending an email notification to registered participants for material changes

Your continued use of our services after such changes indicates acceptance of the updated policy.

13. Contact Information

For questions, concerns, or requests regarding this Privacy Policy or your personal data:

14. Supervisory Authority

If you believe we have not adequately addressed your privacy concerns, you have the right to lodge a complaint with the Personal Data Protection Commissioner of Malaysia.

Personal Data Protection Department
Ministry of Communications and Digital
Malaysia