Privacy Policy

This Privacy Policy describes how Takaful Wise collects, uses, and protects your personal information. We are committed to protecting your privacy and handling your data responsibly when you visit our website and access our educational resources about insurance fundamentals, takaful coverage, and consumer protection.

Information We Collect

We collect various types of information to provide you with better educational resources and services:

• Personal details such as your name, email address, and phone number when you register or contact us
• Demographic information including age group, location within Malaysia, and family composition to tailor our guides
• Usage data when you browse our website, including pages visited, time spent, and content preferences
• Device information such as browser type, operating system, and IP address for technical purposes
• Cookies and similar tracking technologies to enhance your browsing experience
• Information about your interests in life insurance, general insurance, takaful, or medical coverage

How We Use Your Information

We use the information we collect for specific, legitimate purposes related to our educational mission:

• Providing educational content about insurance fundamentals and takaful participation basics
• Customizing our guides based on your interests in life insurance, general insurance, or medical coverage
• Improving our website functionality and user experience through analytics
• Communicating important updates about BNM consumer protection frameworks and policy changes
• Responding to your inquiries and providing customer support
• Complying with legal obligations and regulatory requirements in Malaysia
• Preventing fraud and ensuring the security of our website and services

Data Sharing and Third Parties

We do not sell or rent your personal information to third parties. We may share your data only in these limited circumstances:

• With service providers who assist us in operating our website and delivering our services
• When required by law or to comply with legal processes issued by Malaysian authorities
• To protect our rights, privacy, safety, or property, and that of our users
• With your explicit consent for specific purposes you have agreed to

Any third parties we work with are contractually obligated to maintain confidentiality and use your information only for the purposes we specify.

Your Privacy Rights

Under Malaysian data protection regulations and BNM consumer protection frameworks, you have the following rights regarding your personal information:

• The right to access your personal data and receive a copy of what we hold about you
• The right to correct or update inaccurate or incomplete information
• The right to delete your personal information under certain circumstances
• The right to object to certain types of data processing
• The right to data portability, where you can request your information in a structured format
• The right to withdraw consent at any time if you have previously consented to processing

To exercise any of these rights, please contact us using the information provided in the Contact Us section below.

Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your browsing experience and understand how you interact with our educational content. Cookies are small files stored on your device that help us remember your preferences and track which insurance topics interest you most.

We use essential cookies necessary for our website to function properly, performance cookies to analyze usage patterns, and preference cookies to remember your settings. You can control cookie settings through your browser, though disabling certain cookies may affect website functionality. For detailed information about our cookie practices, please refer to our Cookie Policy.

Data Security

We implement comprehensive security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. These measures include encryption of sensitive data during transmission, secure server infrastructure, regular security audits, and restricted access to personal information.

However, no method of transmission over the internet is completely secure. While we strive to protect your information using industry-standard practices, we cannot guarantee absolute security. You are responsible for maintaining the confidentiality of your login credentials and account information.

Children’s Privacy

Our website is designed to provide educational resources for families in Malaysia. We do not knowingly collect personal information from children under the age of 13. If we become aware that a child has provided us with personal information, we will delete such information promptly and notify the parent or guardian. Parents or guardians concerned about their child’s information should contact us immediately using the information provided below.

Data Retention

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, including to satisfy legal, accounting, or reporting requirements. The retention period depends on the context of the processing and our legal obligations. Once your information is no longer needed, we securely delete or anonymize it.

If you request deletion of your account, we will remove your personal information within a reasonable timeframe, except where we are required to retain it by law or for legitimate business purposes.

International Data Transfers

Your information is primarily stored and processed in Malaysia. However, we may transfer your data to countries outside Malaysia for legitimate business purposes, technical support, or service provision. Such transfers will only occur where appropriate safeguards are in place to protect your information in accordance with applicable data protection laws.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of material changes by posting the updated policy on our website with a new “Last updated” date. Your continued use of our website following such changes constitutes your acceptance of the updated Privacy Policy.