Information We Collect

Personal Information You Provide

When you sign up for our learning programs or request information, we collect details like your name, email address, phone number, and company information. Sometimes you'll share professional background details with us too — things like your current role or industry experience. This helps us tailor our programs to fit what you actually need.

Technical Data

Our website automatically collects certain information about your device and how you browse. This includes your IP address, browser type, operating system, and which pages you visit. We use this to understand how people navigate our site and where we can make improvements.

Financial Information

If you purchase a course or subscribe to our services, we'll need payment details. But here's the thing — we don't actually store your credit card information on our servers. Payment processing happens through secure third-party providers who specialize in keeping that data safe.

How We Use Your Information

We use the information we collect for several practical reasons:

• Delivering the learning programs and services you've signed up for
• Sending you course materials, updates, and important announcements
• Processing payments and maintaining accurate transaction records
• Responding to your questions and providing support when you need it
• Improving our website functionality and educational content based on usage patterns
• Sending occasional marketing communications about new programs (you can opt out anytime)
• Meeting legal obligations under Malaysian law, including PDPA requirements

Data Storage and Security

Where We Keep Your Data

Your personal information is stored on secure servers located in Malaysia and Singapore. We chose these locations specifically for reliability and to comply with regional data protection standards. All data is encrypted both during transmission and when stored.

Security Measures

We've implemented multiple layers of security to protect your information. This includes SSL encryption for all data transfers, regular security audits, restricted access to personal data (only authorized staff can view it), and automated backup systems. Our team receives ongoing training about data protection best practices.

That said — and I'll be straight with you here — no online system is 100% bulletproof. While we do everything reasonably possible to protect your data, we can't guarantee absolute security. If we ever detect a data breach that affects your information, we'll notify you within 72 hours as required by PDPA.

Sharing Your Information

We share your personal data only in specific circumstances:

All third-party service providers we work with are contractually required to maintain the confidentiality of your data and use it only for the purposes we've specified.

Your Rights Under PDPA

Malaysian data protection law gives you several rights regarding your personal information. Here's what you can do:

Access Your Data

You can request a copy of all personal information we hold about you. We'll provide this within 21 days of your request, usually in a PDF or CSV format that's easy to review.

Correct Inaccurate Information

If any of your personal details are wrong or outdated, just let us know and we'll update our records. You can do this through your account settings or by emailing us directly.

Withdraw Consent

You can withdraw your consent for us to process your data at any time. Keep in mind that this might affect our ability to provide certain services to you — like if you're enrolled in an ongoing program.

Request Deletion

You have the right to ask us to delete your personal information. We'll honor this request unless we have a legal obligation to keep certain records (like financial transaction data for tax purposes).

Object to Processing

If you believe we're using your data inappropriately, you can object to specific types of processing. This is particularly relevant for marketing communications — you can opt out anytime by clicking the unsubscribe link in our emails.

Cookies and Tracking Technologies

Our website uses cookies — small text files stored on your device that help us remember your preferences and understand how you use our site.

Types of Cookies We Use

• Essential Cookies: Necessary for the website to function properly. These handle things like keeping you logged in.
• Analytics Cookies: Help us understand which pages are popular and where people spend their time on our site.
• Preference Cookies: Remember your settings and choices so you don't have to re-enter them each visit.
• Marketing Cookies: Track your visits to deliver more relevant educational content and course recommendations.

You can control cookie settings through your browser preferences. Just be aware that blocking certain cookies might affect how well the website works for you.

Data Retention

We don't keep your personal information longer than necessary. Here's our general approach:

• Active Accounts: We retain your information for as long as your account remains active or you're enrolled in programs.
• Inactive Accounts: If you haven't logged in for 3 years, we'll send you a reminder. After 4 years of inactivity, we'll delete your account unless you respond.
• Financial Records: Transaction data is kept for 7 years to comply with Malaysian tax and accounting regulations.
• Marketing Data: If you unsubscribe from our marketing emails, we'll remove your details from those lists within 30 days.

When we delete data, it's permanently removed from our active systems and backup archives within 90 days.

International Data Transfers

While we primarily store data in Malaysia and Singapore, some of our service providers operate servers in other countries. When we transfer your data internationally, we ensure adequate protection through:

• Using service providers that comply with internationally recognized data protection standards
• Implementing standard contractual clauses approved by relevant data protection authorities
• Ensuring encryption during all international data transfers

Any international transfers are done only when necessary and with appropriate safeguards in place to protect your privacy rights.

Children's Privacy

Our services are designed for professionals and adults interested in financial modeling. We don't knowingly collect personal information from anyone under 18 years old. If you're a parent or guardian and believe your child has provided us with personal information, please contact us immediately and we'll delete it.

Changes to This Policy

We review and update this privacy policy periodically to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you by email and display a notice on our website for at least 30 days.

The "Last Updated" date at the top of this page shows when the most recent changes were made. We encourage you to review this policy occasionally to stay informed about how we're protecting your information.

Complaints and Concerns

If you're not satisfied with how we've handled your personal information or have concerns about our privacy practices, please contact us first. We'll do our best to resolve the issue quickly.

If you're still not satisfied after contacting us, you have the right to lodge a complaint with the Personal Data Protection Department of Malaysia. Their contact details are available at the official PDPA website.