1. Introduction

TheFinCompass and Sunsky Capital Sdn Bhd ("TheFinCompass," “Sunsky Capital,” "we," "us," or "our") are dedicated to safeguarding your personal data and adhering to the Personal Data Protection Act 2010 ("PDPA") and other relevant Malaysian laws. This Privacy Policy outlines how we gather, use, disclose, store, and protect your personal data when you access our website, platform, or mobile applications ("Platform") or engage with our services.

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By using the Platform or our services, you acknowledge and agree to the terms stated in this Privacy Policy. If you do not agree, we kindly ask that you cease using the Platform and our services.

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2. Personal Data We Collect

We may gather and process the following categories of personal data:

• Personal Information: Includes your name, identification card number, passport number, date of birth, nationality, address, phone number, and email address.

• Financial Information: Details such as income, employment, assets, liabilities, credit history, and other relevant financial data.

• Technical Information: Data like IP address, browser type, operating system, device details, cookies, and usage analytics.

• Sensitive Personal Data: Information including eKYC (Know Your Customer) details, credit reports, and other sensitive financial data, collected only with your explicit consent.

 

By providing your personal data, you confirm that the information is accurate and that you have obtained any necessary permissions for submitting third-party data on our Platform.

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3. How We Use Your Personal Data

Your personal data may be processed for the following purposes:

• Loan Eligibility Evaluation: To determine your qualification for financial products such as loans or credit.

• Financial Advisory Services: To deliver tailored financial advice and recommendations based on your credit profile.

• Customer Support: To address your queries, manage your account, and offer technical assistance.

• Marketing and Promotions: To share updates about our services, promotions, and offers, with your consent.

• Regulatory Compliance: To fulfill legal obligations such as anti-money laundering (AML) and know-your-customer (KYC) requirements.

• Research and Analytics: To enhance our services, conduct market studies, and better understand user behavior.

 

Your personal data will be used solely for the stated purposes unless additional consent is provided, or as permitted or required by law.

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4. Disclosure of Personal Data

Your personal data may be shared with the following third parties for the purposes outlined in this Privacy Policy:

• Service Providers: Third-party providers offering services such as IT support, data processing, marketing, and hosting.

• Credit Reporting Agencies: Entities like CTOS, Experian, and other credit bureaus for generating reports and assessing creditworthiness.

• Financial Institutions: Banks, lenders, and other financial organizations for processing loan applications and transactions.

• Government and Regulatory Authorities: As required by law, we may disclose data to regulatory bodies or enforcement agencies.

• Professional Advisors: External auditors, legal advisors, accountants, and other professionals ensuring compliance and governance.

 

We require these third parties to adhere to privacy laws and maintain our data protection standards.

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5. Data Security

We employ robust measures to protect your personal data, including:

• Encryption: Encrypting sensitive data during transmission and storage.

• Access Controls: Restricting access to personal data to authorized personnel only.

• Firewalls and Monitoring: Using firewalls and monitoring tools to detect unauthorized access or breaches.

• Data Masking: Masking sensitive financial details to prevent unauthorized exposure.

 

Despite these measures, no internet-based data transmission is entirely secure. By using our Platform, you acknowledge the risks associated with online data transfer.

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6. Data Retention

We retain your personal data only as long as necessary to meet the purposes for which it was collected or to comply with legal obligations. Once no longer needed, we will securely delete or anonymize your personal data.

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7. Transfer of Personal Data Outside Malaysia

Currently, TheFinCompass and Sunsky Capital do not transfer personal data outside Malaysia. If such transfers become necessary, we will ensure compliance with legal requirements and apply adequate safeguards to protect your data.

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8. Your Rights

You have the following rights concerning your personal data:

• Access: Request access to the personal data we hold about you, subject to a reasonable fee where applicable.

• Correction: Request updates or corrections to any inaccurate, incomplete, or outdated data.

• Withdraw Consent: Withdraw your consent for data collection, use, or disclosure at any time by contacting us. Note that withdrawal may impact our ability to provide certain services.

• Opt-Out of Marketing: Opt-out of receiving marketing communications by following the unsubscribe instructions in our emails or contacting us directly.

 

To exercise your rights, please reach out using the contact information in the "Contact Us" section below.

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9. Cookies and Tracking Technologies

Our Platform uses cookies and similar tracking technologies to enhance functionality, analyze usage, and improve user experience. Cookies are small text files stored on your device when visiting our website.

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You can modify your browser settings to block cookies or receive alerts when they are in use. However, disabling cookies may limit your access to certain features of the Platform.

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10. Changes to This Privacy Policy

We may update this Privacy Policy periodically. Any revisions will be posted on our website, and the changes will take effect immediately. Continued use of the Platform signifies acceptance of the updated Privacy Policy.

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11. Contact Us

For any questions, concerns, or requests regarding this Privacy Policy or your personal data, please contact us:

 

Sunsky Capital Sdn Bhd
Email: enquiry@thefincompass.com