Privacy Policy

Introduction

Bakti Finance ("we", "our", "us") respects the privacy of every individual who engages with our financial education services and website. This Privacy Policy describes how we collect, use, store, and safeguard personal information provided to us through our website, enquiry forms, and programme enrolments.

This policy applies to all visitors, prospective participants, and enrolled clients of Bakti Finance. By using our website or submitting your information, you acknowledge the practices described here.

For any questions or concerns regarding your personal data, please reach out to us at [email protected].

Legal Framework

Bakti Finance operates in accordance with the Personal Data Protection Act 2010 (PDPA) of Malaysia, which governs the collection, processing, and storage of personal data for commercial transactions within Malaysia.

Under the PDPA, we process personal data only for lawful purposes and in a manner that is transparent, proportionate, and secure. Your information is never processed without a clear, legitimate basis.

• We rely on your consent when you voluntarily submit enquiry forms or register for programmes.
• We rely on contractual necessity to fulfil your programme enrolment and deliver the services you request.
• We rely on legitimate interests for improving our educational content and maintaining communication with past participants.

Personal Data We Collect

Information You Provide Directly

• Full name and preferred salutation
• Email address and telephone number
• Message content from enquiry submissions
• Programme preferences and general financial background (if shared voluntarily)

Information Collected Automatically

• Browser type, operating system, and device category
• Pages visited and time spent on each page
• Referring website or search engine
• IP address (anonymised where possible)

Retention Period

Enquiry data is retained for up to 24 months from the date of submission. Enrolment records are retained for 7 years as required for financial record-keeping. You may request earlier deletion; see Your Rights below.

How We Use Your Information

We use the personal data we hold to:

• Respond to your enquiries and provide programme information
• Process enrolments and coordinate session scheduling
• Deliver educational materials and follow-up resources relevant to your programme
• Send service-related communications (session reminders, schedule changes)
• Improve our curriculum based on anonymised participant feedback
• Comply with applicable Malaysian laws and regulations

Marketing Communications

We only send educational newsletters or updates about new programmes if you have expressed interest during enrolment or enquiry. You may opt out of any such communications at any time by contacting us at [email protected] or by clicking the unsubscribe link in any email.

Data Sharing & Third Parties

Bakti Finance does not sell, rent, or trade personal data. We may share information in limited circumstances:

Service Providers

We work with trusted third-party providers who assist with website analytics (e.g., Google Analytics), email delivery, and booking coordination. These providers are bound by data processing agreements and may only use your data to perform services on our behalf.

Legal Requirements

We may disclose personal data when required by law, court order, or a lawful request from a Malaysian government authority.

Business Transfers

In the event of a merger, acquisition, or transfer of our business, client data may be transferred as part of that process. We will notify affected individuals as required by law.

Data Protection Measures

• All data submitted through our website is transmitted over encrypted HTTPS connections.
• Access to personal data is restricted to authorised Bakti Finance personnel only.
• We conduct periodic reviews of our data storage and access controls.
• In the event of a data breach affecting your personal information, we will notify you and the relevant authority as required under Malaysian law, within a reasonable timeframe.

Cookies

We use cookies and similar tracking technologies to understand how visitors use our website and to remember your preferences. These include essential session cookies, optional analytics cookies, and marketing cookies.

For a full explanation of the cookies we use and how to manage your preferences, please refer to our Cookie Policy.

Your Rights

Under Malaysia's Personal Data Protection Act 2010, you have the right to:

1. Access — Request a copy of the personal data we hold about you.
2. Correction — Request correction of any inaccurate or incomplete data.
3. Withdrawal of Consent — Withdraw consent for processing at any time, without affecting the lawfulness of prior processing.
4. Limitation of Processing — Request that we restrict how we use your data in certain circumstances.
5. Data Portability — Receive your data in a structured, commonly used format where technically feasible.
6. Erasure — Request deletion of your personal data where no legal obligation requires us to retain it.

To exercise any of these rights, please contact us at [email protected] with your full name and the nature of your request. We will respond within 21 working days.

If you are unsatisfied with our response, you may contact the Department of Personal Data Protection Malaysia (JPDP) via www.pdp.gov.my.

Third-Party Links

Our website may contain links to external websites for reference purposes (e.g., government financial bodies, EPF, BNM). Bakti Finance is not responsible for the privacy practices or content of those sites. We encourage you to review the privacy policies of any external sites you visit.

Age Requirement

Our financial education programmes are designed for adults aged 18 and above, with content particularly relevant for those in their 40s to 60s. We do not knowingly collect personal data from individuals under 18 years of age. If you believe we have inadvertently collected such data, please contact us and we will take prompt action to remove it.

Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. When updates are made, we will revise the "Last Updated" date at the top of this page. For significant changes, we will provide a prominent notice on our website or contact enrolled participants directly.

Continued use of our website or services after any update constitutes your acknowledgment of the revised policy.

Contact for Data Matters

If you have questions, concerns, or requests regarding this Privacy Policy or your personal data, please contact us: