Privacy Policy

Pecunia ("we", "us", "our") is committed to protecting the personal data of individuals who interact with our programs and services. This Privacy Policy explains how we collect, use, disclose, and safeguard personal data in accordance with the Personal Data Protection Act 2010 (Malaysia) ("PDPA").

By using our website or registering for a program, you acknowledge that you have read and understood this Privacy Policy. For any privacy-related enquiries, contact us at [email protected].

1. Data Controller

The data controller for personal data collected through this website and our programs is Pecunia, located at 11, Jalan Pinang, 50450 Kuala Lumpur, Malaysia. Our contact for data protection matters is [email protected].

2. What Personal Data We Collect

We may collect the following categories of personal data:

• Full name and contact details (email address, phone number)
• Professional background (where provided voluntarily during registration)
• Communication history (messages submitted via our contact form)
• Browsing data collected via cookies (see our Cookie Policy)
• Payment information (processed through secure third-party payment providers; we do not store card data)

We collect only information that is necessary for the purposes described in this policy. We do not request sensitive financial information beyond what is needed for program enrolment processing.

3. How We Collect Personal Data

Personal data is collected through:

• The contact and enquiry form on our website
• Program registration forms (online and paper-based)
• Email and telephone correspondence
• Cookies and analytics tools on this website (with consent)

4. Legal Basis for Processing

Under the PDPA and applicable principles, we process personal data on the following bases:

• Consent — where you have given explicit consent, such as for marketing communications
• Contractual necessity — to process program enrolments and respond to enquiries
• Legitimate interest — for internal analytics, website improvement, and fraud prevention
• Legal obligation — where processing is required to comply with Malaysian law

5. How We Use Personal Data

We use personal data for the following purposes:

• Processing program enrolments and managing participant records
• Responding to enquiries submitted via our contact form or by telephone
• Sending program schedules, updates, and materials to enrolled participants
• Sending occasional education-related communications (with opt-in consent)
• Improving our website and program offerings through anonymised analytics
• Complying with legal and regulatory requirements

We do not sell personal data to third parties. We do not share personal data with financial institutions, insurers, or any organisation for commercial or referral purposes.

6. Data Sharing

We may share personal data with:

• Service providers who assist with website hosting, payment processing, or email delivery — bound by appropriate data processing agreements
• Analytics providers (e.g. Google Analytics) — on an anonymised or pseudonymised basis
• Regulatory or law enforcement authorities — only where required by Malaysian law

7. Data Retention

We retain personal data for as long as is necessary for the purpose it was collected:

• Programme participant records: 7 years from programme completion (for regulatory and audit purposes)
• Enquiry and contact form submissions: 2 years from date of submission
• Marketing consent records: Until consent is withdrawn
• Website analytics data: 26 months (anonymised after 14 months)

8. Cookies

Our website uses cookies to improve functionality and understand usage patterns. Full details of cookies used, their purposes, and how to manage preferences are set out in our Cookie Policy.

9. Your Rights Under the PDPA

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

• Access the personal data we hold about you
• Request correction of inaccurate or incomplete data
• Withdraw consent for data processing where processing is based on consent
• Request that we cease processing your data for direct marketing purposes
• Lodge a complaint with the Personal Data Protection Commissioner Malaysia

To exercise any of these rights, please contact us at [email protected]. We will respond to requests within 21 days.

10. Data Security

We implement appropriate technical and organisational measures to protect personal data against unauthorised access, loss, or misuse. These include:

• SSL/TLS encryption for data in transit on our website
• Access controls limiting internal access to personal data to authorised staff only
• Secure data storage with reputable hosting providers
• Regular review of data handling practices

In the event of a personal data breach that is likely to cause significant harm, we will notify affected individuals and the relevant authorities as required by applicable law.

11. Third-Party Links

Our website may contain links to external websites. We are not responsible for the privacy practices of those websites and encourage you to review their privacy policies independently.

12. Children's Privacy

Our programs and website are intended for adults aged 18 and above. We do not knowingly collect personal data from individuals under the age of 18. If you believe we have inadvertently collected such data, please contact us immediately at [email protected].

13. Changes to This Policy

We may update this Privacy Policy from time to time. Material changes will be communicated via a notice on our website. The "Last Updated" date at the top of this page reflects when the policy was most recently revised. Continued use of our website or programs after any changes constitutes acceptance of the revised policy.

14. Contact Information

For any privacy-related questions or to exercise your data rights, please contact:

• Email: [email protected]
• Address: 11, Jalan Pinang, 50450 Kuala Lumpur, Malaysia
• Telephone: +60 3-2161 5238