Privacy Policy

Information We Collect

We collect personal information necessary to provide our educational services and maintain communication with participants. The types of information we may collect include:

• Contact Information: Name, email address, phone number, and mailing address
• Program Enrollment Data: Information about which programs you've enrolled in or expressed interest in
• Payment Information: Billing details necessary for processing program fees (processed through secure payment providers)
• Website Usage Data: Information about how you interact with our website, including IP address, browser type, and pages visited (collected through cookies)
• Communication Records: Correspondence between you and Clarity Finco, including inquiries and feedback

How We Use Your Information

We collect and use personal information for the following purposes:

• Service Delivery: To enroll you in programs, provide learning materials, and facilitate session participation
• Communication: To respond to inquiries, send program updates, and share relevant educational information
• Payment Processing: To process fees for programs and manage billing inquiries
• Program Improvement: To gather feedback and improve the quality of our educational services
• Legal Compliance: To comply with applicable Malaysian laws and regulations

We process your personal data based on consent, contractual necessity, and legitimate interest in providing quality educational services.

Data Sharing and Disclosure

Clarity Finco does not sell, rent, or trade your personal information to third parties. We may share information in the following limited circumstances:

• Service Providers: We work with trusted third-party vendors who assist with payment processing, email communications, and website hosting. These providers are contractually obligated to protect your data and use it only for specified purposes.
• Legal Requirements: We may disclose information if required by Malaysian law, court order, or governmental request.
• Business Transfers: In the event of a merger, acquisition, or sale of assets, personal data may be transferred to the acquiring entity, with notice provided to affected individuals.

Data Security and Protection

We implement appropriate technical and organizational measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction:

• Secure storage systems with encryption for sensitive data
• Access controls limiting who can view and process personal information
• Regular security assessments and updates to protect against evolving threats
• Secure transmission protocols (SSL/TLS) for data sent through our website
• Staff training on data protection principles and confidentiality obligations

While we take reasonable precautions to protect your data, no method of transmission over the internet is completely secure. We cannot guarantee absolute security but remain committed to implementing industry-standard protective measures.

Data Retention

We retain personal information for as long as necessary to fulfill the purposes described in this policy or as required by Malaysian law:

• Participant Records: Retained for up to seven years after program completion for administrative and legal purposes
• Financial Records: Maintained in accordance with Malaysian tax and accounting requirements
• Marketing Communications: Retained until you withdraw consent or request removal from our mailing list
• Website Analytics: Aggregated usage data may be retained indefinitely for statistical purposes

When personal information is no longer needed, it is securely deleted or anonymized to prevent identification.

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance user experience and gather information about site usage. Cookies are small text files stored on your device when you visit our website.

We use the following types of cookies:

• Essential Cookies: Required for basic website functionality and security
• Analytics Cookies: Help us understand how visitors interact with our website (optional, requires consent)
• Preference Cookies: Remember your settings and choices for a better experience (optional)

You can manage cookie preferences through our Cookie Policy page or your browser settings. Disabling certain cookies may affect website functionality. For more detailed information, please review our Cookie Policy.

Your Rights Under Malaysian Law

Under the Personal Data Protection Act 2010 (PDPA), you have the following rights regarding your personal information:

• Right to Access: Request a copy of the personal data we hold about you
• Right to Correction: Request updates or corrections to inaccurate or incomplete information
• Right to Withdraw Consent: Withdraw previously given consent for marketing communications or optional data processing
• Right to Limit Processing: Request restrictions on how we use your personal data in certain circumstances

To exercise these rights, please contact us at [email protected]. We will respond to your request within the timeframe required by Malaysian law, typically within 21 days.

Third-Party Links

Our website may contain links to third-party websites or services. Clarity Finco is not responsible for the privacy practices of these external sites. We encourage you to review the privacy policies of any third-party websites you visit. This Privacy Policy applies only to information collected by Clarity Finco.

Children's Privacy

Our services are designed for adults aged 18 and above. We do not knowingly collect personal information from individuals under 18 years of age. If we become aware that we have inadvertently collected information from someone under 18, we will take steps to delete such information promptly.

Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices, legal requirements, or service offerings. When we make significant changes, we will:

• Update the "Last Updated" date at the top of this page
• Notify current participants via email if changes materially affect how we handle their data
• Post a notice on our website for a reasonable period

We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.

Contact Information

If you have questions, concerns, or requests regarding this Privacy Policy or our data protection practices, please contact us:

We are committed to addressing your privacy concerns and will respond to inquiries within a reasonable timeframe.