MARA Incorporated Sdn Bhd (MARA Inc.) and its related and subsidiary companies, (collectively or alternatively referred to as “our”, “us” or “we”) are committed to protecting the privacy and accuracy of your personal information to the fullest extent possible, subject however to provisions of the applicable laws of Malaysia.
Please read our Privacy Notice to understand how we use the personal information we may collect from you.
This Privacy Notice sets out how MARA Incorporated Sdn Bhd (MARA Inc.) and its related and subsidiary companies, (collectively or alternatively referred to as "our", “us” or “we”) collect, store and handle personal information (as defined below) of individuals in accordance with the Personal Data Protection Act 2010 (“PDPA”) and the laws of Malaysia.
By providing your personal information to us, you are consenting to this Privacy Notice and the collection, use, access, transfer, storage and processing of your personal information as described in this Privacy Notice.
This Privacy Notice explains:
- What type of personal information we collect;
- When and how we collect your personal information;
- How we use your personal information;
- When we disclose your personal information;
- When we transfer your personal information abroad; and
- Your right to access and correct your personal information
Our Commitment to You
We value your trust and are committed to protecting your personal information. To ensure that you can make informed decisions and feel confident about supplying your personal information to us when using any of our websites, products and/or services, we provide you with this Privacy Notice outlining our practices and the choices you have concerning how your personal information is being collected and used by us.
Defining Personal Information
Personal information refers to any information which relates directly or indirectly to you. This includes any information that can be used to distinguish, identify or contact you. Personal information encompasses sensitive personal information which relates to information relating to your health, political opinions, religious beliefs or faiths, commission or alleged commission of offence, or any personal information as may be specified by the relevant authority.
For the avoidance of doubt, please note that this Privacy Notice is applicable only if you are a natural person.
What Type of Personal Information We Collect
In order for us to provide you with our products and/or services and to operate in an efficient and effective manner by providing you with the best service possible, we need to collect relevant personal information from you. The personal information collected by us may include, but is not limited to, the followings:
- contact information such as your name, date of birth, identification supporting documents (including NRIC or passport number), gender, nationality and race, current private and/or business address, telephone or mobile phone number, fax number, email address;
- your occupation, current and past employment;
- your academic or professional qualifications;
- your financial standings such as salary/earnings, expenditures, asset/wealth possessions;
- your bank account details;
- your personal profile, interests and preferences to help us tailor offerings of our products and/or services which would suit you best;
- clickstream data when you visit any of our websites (for example the pages you access and the services and/or products you browsed);
- recording of your image via CCTV cameras when you visit our offices; and/or
- recording of calls placed by you to our help desk for our service enhancement and improvement.
When and How We Collect Your Personal Information?
We may collect personal information directly from you when you:
- communicate with us (for example when you submit an application form to become our client, agent, employee or vendor, or when you contact us for any enquiries including by calling our customer service);
- register or subscribe for a product and/or service or our publications (for example, newsletters);
- participate in any of our surveys;
- enter into or participate in any competitions, contests or loyalty programmes run/organised by us;
- register interest and/or request for information of (through our online portals or other available channels) our products and/or services;
- respond to any marketing materials we have sent out;
- commence a business relationship with us (for example, as a service provider/business partner);
- visit any of our offices;
- visit or browse our websites;
- lodge a complaint with us; and/or
- provide feedback to us (for example via our websites or in hard copy).
Other than personal information obtained from you directly (as detailed above), we may also obtain your personal information from third parties we deal with or are connected with you (credit reference agencies or financial institutions), and from such other sources where you have given your consent for the disclosure of information relating to you, and/or where otherwise lawfully permitted.
How We Use Your Personal information
We may collect and use personal information from you or from the category of third parties identified in this Privacy Notice, for one or more of the following purposes:
- to verify your identity; and/or
- to assess and process your application(s) /request(s) for our products and/or services; and/or
- to provide you with the products and/or services you have requested; and/or
- to administer and manage the products and/or services we provide you; and/or
- to investigate and resolve any product and/or service issues, queries, complaints or other enquiries that you have submitted to us; and/or
- to assess risk profile and/or verify credit worthiness; and/or
- to detect and prevent fraudulent activity; and/or
- to manage our supply chain; and/or
- to keep in contact with you and provide you with any information you have requested; and/or
- to engage in business transactions in respect of products and/or services to be offered and provided to you; and/or
- to establish and better manage any business relationship we may have with you; and/or
- to process any communications you send us (for example, answering any queries and dealing with any complaints and feedbacks); and/or
- to help us monitor and improve the performance of our products and services, our customer relations personnel and service providers and our websites and to make these more efficient; and/or
- to manage staff training and quality assurance; and/or
- to notify you about benefits and changes to the features of our products and/or services; and/or
- to determine how can we improve services to you; and/or
- to produce data, reports and statistics which shall be anonymized or aggregated in a manner that does not identify you as an individual; and/or
- to investigate, respond to or defend claims made against or involving us; and/or
- to conduct marketing activities (for example, market research); and/or
- to maintain records required for security, claims or other legal purposes; and/or
- to comply with legal and regulatory requirements; and/or
- for any other purposes that is required or permitted by any law, regulations, guidelines and/or relevant regulatory authorities.
Disclosure of Your Personal information
As a part of providing you with our products and/or services and the management and/or operation of the same, we may be required or need to disclose information about you to the following third parties:
- law enforcement agencies; and/or
- government agencies; and/or
- companies and/or organizations that act as our agents, contractors, service providers and/or professional advisers; and/or
- companies and/or organizations that assist us in processing and/or otherwise fulfilling transactions and providing you with products and/or services that you have requested or subscribed for; and/or
- our business associates and other parties for purposes that are related to the purpose of collecting and using your personal information; and/or
- other parties in respect of whom you have given your express or implied consent.
subject at all times to any laws (including regulations, guidelines and/or obligations) applicable to us.
We may use your personal information to provide you with information about our and third party services and/or products, which may be of interest to or benefit you, except where otherwise requested or notified by you.
In certain instances, we may disclose your personal information to our strategic partners. However, please note that we will only disclose your personal information to our strategic partners where you have subscribed for particular services or products which require such disclosure, and/or where your consent has been obtained, subject at all times to any laws (including regulations, guidelines and/or obligations) applicable to us.
We take reasonable steps to ensure that our agreements with our strategic partners include appropriate privacy and confidentiality obligations.
If you do not wish your personal information to be utilized for the purposes of marketing or should you change your mind in relation to your previous decision, please contact us via the contact details provided below. Your latest written instructions to us will prevail.
We collect and use your personal information provided in connection with an application for employment to determine your suitability for a position with us and, if applicable, your terms of employment or engagement.
We may disclose your personal information to third parties to verify or obtain additional information including education institutions, current/previous employers and credit reference agencies. We may retain unsuccessful applications to match your skills to future job opportunities.
What If Personal Information Provided By You Is Incomplete?
Where indicated (for example in registration/application forms), it is obligatory to provide your personal information to us to enable us to process your application or transaction for our products and/or services. Should you decline to provide such obligatory personal information, we may not be able to process your application or registration, or provide you with our products and/or services.
Your Rights to Access and Correct Your Personal Information
We can assist you to access and correct your personal information held by us.
Where you wish to have access to your personal information in our possession or where you are of the opinion that such personal information held by us is inaccurate, incomplete, misleading or where relevant, not up-to-date, you may make a request to us by contacting the contact details provided below. You should quote your name, address and phone/account number and provide brief details of the information you want a copy of in any such request. We shall charge a processing fee for searching for and providing you with access to your personal information to cover administration costs.
We will use reasonable efforts to comply with your request to access or correct your personal information within 21 days of receiving your request and the relevant processing fee.
Please note that we may have to withhold access to your personal information in certain situations, for example when we are unable to confirm your identity or where information requested for is of a confidential commercial nature or in the event we receive repeated requests for the same information. Nevertheless, we will notify you of the reasons for not being able to accede to your request.
You are responsible for providing accurate and complete information to us about yourself and any other person whose personal information you provide us and for updating this personal information as and when it becomes incorrect or out of date by contacting the contact details provided below. This obligation is a condition to the provision of our products and/or services to you and/or any other person authorized or permitted by you.
In the event you may need to provide us with personal information relating to third parties (for example about your spouse or children or where you are the designated person in charge (from an organization or company) for dealing with us, if you are acquiring and are responsible for a service and/or product that they will use), you confirm that you have (i) obtained their consent or otherwise entitled to provide their personal information to us and for us to use accordingly; and (ii) informed them to read this Privacy Notice at our websites.
Online Dealings with Us
We collect information about your use of our websites from cookies. Cookies are packets of information stored in your computer which assist your website navigation by customizing site information tailored to your needs. Cookies in themselves do not identify the individual user, just the computer used. You are not obliged to accept cookies. If you are concerned, you can set your computer either to accept all cookies, to notify you when a cookie is issued, or not to receive cookies at any time. However, rejection of cookies may affect your use of our websites as we will be unable to personalize aspects of your use of the website.
Links to Third Party Websites
Please be informed that this Privacy Notice applies solely to our websites and does not apply to any third party websites you may access from our websites. To determine how they deal with your personal information, you should ensure that you read their respective privacy policies.
Transfer of your personal information outside Malaysia
It may be necessary for us to transfer your personal information outside Malaysia if any of our service providers or strategic partners, who are involved in providing part of our products and/or services, are located in countries outside Malaysia (“foreign entities”). You consent to us transferring your personal information outside Malaysia in these instances. We shall take reasonable steps to ensure that any such foreign entities are contractually bound not to use your personal information for any reason other than to provide the products and/or services they are contracted by us to provide and to adequately safeguard your personal information.
Updates to our Privacy Notice
We may amend this Privacy Notice from time to time and the updated version shall apply and supersede any and all previous versions, including but not limited to, leaflets or hard copy versions. Please check our website for information on our most up-to-date practices.
Our contact details
Should you have any queries, concerns or complaints in relation to this Privacy Notice , kindly contact us during office hours (between 9:00am to 6:00pm, Mondays to Fridays (excluding public holidays)) at the following contact points:
|Telephone No.||:||+(603) 4251 4668|
|Facsimile No.||:||+(603) 4251 4669|
MARA Incorporated Sdn Bhd