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Privacy Policy

1. Introduction

This privacy policy applies to all persons using the mobile application MySifu (hereinafter referred to as “the Platform”) operated by MSF ZEN SDN. BHD. (Company No. 1326191-V) (“we” or “us”) as well as all other persons connected to the use of the services or related services offered by the Platform. This privacy policy explains the type of data we collect and how we collect the data, the purposes of processing such data, the parties we disclose the data to and your rights relating to your personal data provided to us.

Notwithstanding the need on certain occasions where we request for your manual confirmation, by using this Platform and the features herein, you hereby agree and accept that you are providing your personal data to us voluntary and you are bound by the terms and conditions contained in this privacy policy.

2. Our Commitment

We may from time to time require your personal information to be submitted for you to gain access to information and services offered through the Platform.

Your privacy is important to us. Therefore we are committed to ensure that the confidentially and security of all personal information provided to us are fully protected at all times in accordance with the Personal Data Protection Act 2010 (“PDPA”), and may only be disclosed or used by us in accordance with this privacy policy or where it is permitted under the law.

3. What Information Do We Collect

We collect, share and process personal information provided by you depending on the service you access through us. The types of information we collect and process, or is processed on our behalf includes those required:

  • To establish your identity and background as an individual  (e.g. name, age, marital status, identity documents, nationality, address, contact etc );

  • To establish your background as a company (e.g. name, directors, shareholders, shareholding, company no and/or dealings etc), or partnership (e.g. name, details of all partners and/or dealings etc); and

  • To establish contact with you (e.g. postal address, telephone number, email address, social media account ID, country of residence etc)

The main purpose we collect and process information related to you is for the operation of the day- to- day business or services offered by the Platform, and includes those relating or incidental to such purpose, such as:

4. Why We Collect and Process Your Personal Information

The main purpose we collect and process information related to you is for the operation of the day- to- day business or services offered by the Platform, and includes those relating or incidental to such purpose, such as:

  1. Platform Administration
    • To administer the Platform and for internal operations, including troubleshooting, o administer the Platform and for internal operations, including troubleshooting,
    • To allow you to utilise the functions and features offered on or through the Platform.
    • To develop, support and maintain IT systems for the services offered.
    • To keep the Platform safe and secure.
    • To provide you with information relating to services offered through the Platform.
  2. Personal Identification and Assessment
    • To verify your identity, background and ensure the accuracy of information provided by you.
    • To assess your eligibility and suitability to participate in our services.
    • To conduct searches, inquiry with Government authorities or credit bureau or any third parties to ensure creditworthiness and for compliance with the law (if necessary).
  3. Provision of Services
    • To generate agreements, contracts or other documents and incorporate details into documents (if necessary).
    • To keep you and/or related parties personally updated and informed through notices, letters and other documents and forms of communication.
    • To perform all other obligations as a service provider whether present or future;
    • To customize, market or improve our services or Platform.
    • To customize, market or improve our services or Platform.
    • To update, manage and maintain your accounts.
    • To carry out internal monitoring and control and enforcement of obligations of participants.
    • To maintain a transparent system to enable risk related assessments.
    • Other purposes which we deem necessary.
  4. Legal Compliance
    • To prevent or report on any criminal act such as money laundering and fraud.
    • To enforce our rights to recover debts owing to us or any other user of the Platform or any other remedies available to us whenever necessary.
    • To comply with any obligation under applicable laws and for any other purposes permitted under PDPA.

Apart from the abovementioned purposes, we will not process or share your personal information without your consent.

5. How Do We Collect Information

We will collect your personal information from a variety of sources including those mentioned below:

  • Information collected from you directly:
    1. When you email or contact us with regards to any of your queries;
    2. When you register or sign up for a newsletter, make a purchase or participate in any of our promotions, sweepstakes and/or contests.
    3. When you browse or use the Platform and/or use any of our services.
    4. Via any verbal, written or electronic communications with us or our authorised agents.
    5. When managing or transacting your accounts and when making payments.
    6. When you take part in surveys, promotions, and advertisements on the Platform or during our other events etc.
    7. Through your mobile devices, laptops or other electronic devices, software or applications capable of accessing the Platform.
  • Other sources:
    1. Credit reporting agencies and publicly available sources such as searches at government authorities or agencies.
    2. Any other sources which has your consent to disclose your information
    3. Other sources where permitted by law or not otherwise restricted.

6. Personal Information about Third Parties

When you provide personal information related to third parties to us, such as your next of kin or nominees, you confirm that you have obtained their consent to do so and we are authorized to use or disclose such information. You will inform such third parties of their right to access their information held by us.

It may be mandatory or optional for you to supply your personal information to us, depending on situations.

  • Mandatory information

    Where such information is compulsory and MUST be provided by you.

    If you refuse to do so we will NOT be able to offer our services to you.

  • Voluntary Information

    Where such information is optional and you may choose whether to provide us with such information or otherwise.  If such information is not provided, it shall not affect your use of our services.

7. Disclosure to Third Parties

Apart from our staff, employees, affiliates, subsidiaries, holding companies, we may share and disclose your personal information to certain third parties including but not limited to those mentioned below:-

  1. our insurers and/or professional advisers insofar as reasonably necessary for the purposes of managing risks, obtaining professional advice, or the establishment, exercise or defence of managing risks, obtaining professional advice, or the establishment, exercise or defence
  2. our agents, representatives, advisers, consultants, operators, programmers, developers, engineers or system providers who are employed or engaged to run, process, or administer the Platform and services offered under the Platform;
  3. payment services providers we have chosen to support us with financial transactions relating to the Platform.
  4. other external professionals providing services to us or on your behalf such as auditors, solicitors and advocates, trustees, valuers, tax consultants, banks, financial institutions and accountants;
  5. liquidators/ receivers and managers, auctioneers;
  6. prospective buyer(s) and/or dealer(s) of any of our business or assets;
  7. credit reporting agencies, debt collection agencies, regulatory authorities, police, officers and/or public authorities;
  8. any person(s) as required by any applicable laws, rules, regulations, court orders or guidelines;
  9. any of our assignees or transferees of our rights, interests or obligations; and

  10. any other person as required and authorized by us to run our day to day operations of the business and services offered vide the Platform.

Save for the relevant parties stated above, we will not otherwise disclose your personal information without your consent.

8. Security of Personal Information

We do our very best to use reasonable organizational, technical and administrative measures to protect your personal data under our control. However, kindly note that not all data transmission over the internet or data storage system can be guaranteed to be 100% secure.

Subject to the provisions of this privacy policy, if you have reasons to believe that your interaction with us is no longer secure (for example, if you feel that the security of any account you might have with us has been compromised), please immediately notify us of the problem by contacting us by using the “Contact Us” function on the Platform, our officers will get in touch with you as soon as reasonably possible.

9. Cookies

You agree and consent that we may from time to time set up cookies on your device, and may access to those cookies. We use cookies and similar tracking technologies to tract the activity on the Platform. You may change the setting on your device to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some features on the Platform.

Any information so collected by us will be non-personal and anonymous and such information is obtained solely to understand your use of the Platform.

10. Your Right to Complain and Access Your Information

You may e-mail our customer support at [email protected] or use the “Contact Us” function on the Platform if you wish to do any of the following:

  1. our right to refuse your request as allowed under the PDPA; and
  2. your payment of charges imposed by us for processing the above mentioned request(s) made by you. It shall be your responsibility to update and check the accuracy of your personal information in your personal information.

11. Limiting Information Processing

You have the option of withdrawing your consent or limiting or preventing distribution or processing of your personal information, or personal information relating to other persons or entities who may be identified from your personal data, by e-mailing our customer support at [email protected] or by using the “Contact Us” function on the Platform.

12. Changes to Privacy Policy

Please note that this privacy policy may be amended from time to time at our own discretion and it is your responsibility to visit the Platform on a regular basis to keep yourself informed of updates and changes. By continuing to use the Platform and the services provided therein or by omitting to withdraw your consent, you are deemed to have accepted and consented to any such revision and update.

13. English version shall prevail

This Privacy policy is issued in both English and Bahasa Malaysia. In the event of any inconsistencies or discrepancies between the English version and the Bahasa Malaysia version, the English version shall prevail.

* to be in both National language and English language