# Privacy Policy for Malaysiahousingloan.net
## General Information
Malaysiahousingloan.net (“Malaysiahousingloan”) is provided by MHL Consultancy.
MHL Consultancy (“MHL Consultancy”, “we”, “us”, or “our”) is dedicated to protecting the confidentiality of your personal information. This Privacy Policy explains how we collect, use, disclose, and protect your personal data in accordance with the Personal Data Protection Act 2010 (as amended, the “Act”).
## Scope of this Policy
This Privacy Policy applies to all personal data collected through your interaction with our website(s) and mobile application(s) (“Platform”), including the products and services provided therein. It details our practices regarding the gathering, storing, dissemination, and processing of personal data of individuals.
## Consent
By providing your personal data and/or using our services, you consent to the collection, transfer, manipulation, storage, disclosure, processing, and other uses of your personal data as described in this Privacy Policy. If you do not agree with this Policy, please do not use our Platform or provide any personal data to us.
## Updates to this Policy
We may update this Privacy Policy from time to time. Any changes will be posted on the Platform, and the revised Policy will apply to all personal data collected previously and subsequently. Please check the Privacy Policy periodically for updates.
## Personal Data We Collect
### Information You Provide
– **Personal Information**: Name, contact details, email address, age, home address, marital status, occupation, financial information, and any other information you provide through the Platform.
– **Interactions**: Details about your interactions on the Platform, such as engagement with service providers and products/services purchased.
– **Transaction Information**: Necessary details to complete transactions, such as name and NRIC/passport number.
– **Communications**: Information from your communications with us, including feedback and inquiries.
### Information Collected Automatically
– **Technical Information**: Browser type, IP address, domain name, user profiles, device identifier, and usage data.
– **Cookies**: Information from cookies and similar technologies to enhance user experience.
– **Analytics**: Data from third-party analytics services about how you use and interact with the Platform.
### Information from Third Parties
– **Third-Party Sources**: Information from other sources with your consent, including profile content and other personally identifiable information.
## Use of Personal Data
We use your personal data for various purposes, including:
– **Service Provision**: To provide access to our services, conduct business operations, and fulfill our contractual obligations.
– **Customer Support**: To respond to your requests and provide customer support.
– **Marketing**: To send information about products and services that may interest you (with your consent).
– **Research and Analysis**: To conduct research, audits, and risk assessments.
– **Compliance**: To comply with legal obligations and cooperate with regulatory authorities.
## Disclosure of Personal Data
We may disclose your personal data to the following third parties:
– **Service Providers**: Companies and organizations that assist us in processing transactions and providing services.
– **Legal Authorities**: Law enforcement agencies, courts, and regulatory bodies as required by law.
– **Business Partners**: Banks, lenders, insurers, and other business partners involved in providing services through the Platform.
– **Professional Advisors**: Auditors, consultants, lawyers, and other professional advisors.
## Security
We implement reasonable security measures to protect your personal data from unauthorized access, alteration, disclosure, or destruction. However, no data transmission over the internet can be guaranteed as 100% secure. You transmit information to us at your own risk.
## Retention of Personal Data
We retain your personal data only for as long as necessary to fulfill the purposes for which it was collected, or as required by law. When no longer needed, we will take reasonable steps to securely destroy or anonymize your personal data.
## Your Rights
You have the right to:
– **Access and Correction**: Request access to and correction of your personal data.
– **Withdraw Consent**: Withdraw your consent to the processing of your personal data.
– **Opt-Out**: Opt-out of direct marketing communications.
To exercise your rights, please contact our data processing officer:
**Contact Information**:
– **Phone**: +6012-6946 746
– **Email**: malaysiahousingloandotnet@gmail.com
## Cookies
We use cookies to improve the functionality of our Platform. You can manage your cookie preferences through your browser settings.
## Links to Other Sites
Our Platform may contain links to other websites. We are not responsible for the privacy practices or content of these third-party sites. Please review their privacy policies before providing any personal data.
## Transfer of Personal Data Outside Malaysia
If necessary, we may transfer your personal data to service providers located outside Malaysia. We will take reasonable steps to ensure that such transfers comply with applicable data protection laws and that your data is protected.
## Changes to this Policy
We reserve the right to revise this Privacy Policy at any time. Any changes will be posted on the Platform, and we will notify you of significant changes via email or other communication methods.
## Contact Us
If you have any questions or concerns about this Privacy Policy or our data handling practices, please contact our data processing officer using the contact information provided above.
Last Modified Date: 14th July 2024