Privacy Policy

How we collect, use, and protect your information.

Last updated: October 2025

This Privacy Policy explains how BelajarFinance collects and uses information when you visit our website, use our tools, or contact us.

Malaysia PDPA notice

  • Purpose: We collect personal data to provide the site, respond to inquiries, and improve our tools and content.
  • Source: Data is collected directly from you or automatically through your use of the site.
  • Disclosure: We may disclose data to service providers (hosting, analytics, email) and where required by law.
  • Access/correction: You may request access to or correction of your personal data.
  • Consequences: If you do not provide required data, we may be unable to respond or provide certain features.
  • Consent: By using the site or submitting your information, you consent to processing as described here, unless another lawful basis applies.

Information we collect

  • Information you provide (name, email, message) when you use our contact form.
  • Usage and device data (pages viewed, approximate location, device or browser, referrers).
  • Cookies and similar technologies for analytics and basic functionality.

How we use information

  • Provide and maintain the site, tools, and calculators.
  • Respond to questions and support requests.
  • Analyze traffic and improve content.
  • Prevent fraud and ensure security.

Lawful bases & consent

  • Contract or steps to provide requested services (such as responding to inquiries).
  • Consent where required (for cookies/analytics or optional communications).
  • Legitimate interests to operate, secure, and improve the service where permitted.
  • Legal obligations where required.

How we share information

  • Service providers (hosting, analytics, email) that process data for us.
  • Legal requests or to protect rights and safety.
  • Business transfers (merger or acquisition), with notice where required.
  • We do not sell personal information or share it for cross-context behavioral advertising.

International transfers

Your data may be processed outside your country, including the US or EU. Where required, we use safeguards such as standard contractual clauses or equivalent measures.

Data retention

We keep personal data only as long as needed for the purposes described, unless a longer period is required by law.

Your privacy rights

  • Malaysia (PDPA): request access to or correction of personal data.
  • EU/UK: access, rectify, erase, restrict, object, and data portability; withdraw consent.
  • US state laws (e.g., CA): right to know/access, delete, correct, and opt out of sale or sharing; no discrimination.
  • You can appoint an authorized agent; we will verify requests.

Your choices

  • Control cookies through your browser settings and available consent tools.
  • You can choose not to share certain information, but some features may be limited.

Security

We use reasonable safeguards to protect information, but no system is completely secure.

Children's privacy

This site is not directed to children. We do not knowingly collect personal data from minors without verifiable consent from a parent or legal guardian, consistent with Malaysia’s PDPA.

Changes to this policy

We may update this policy from time to time and will revise the date above.

If you have questions or want to exercise your rights, contact us via our contact page.