PERSONAL DATA PROTECTION NOTICE

APPCABLE Sdn Bhd (Company No.: 1018035-D) (“APPCABLE”) values your privacy and is committed to protecting your personal data. “APPCABLE” will only collect and process your personal data in accordance with applicable laws including the Personal Data Protection Act 2010 and this Personal Data Protection Notice.

Source and type of personal data obtained

“APPCABLE” processes the personal data provided by you and/or a service provider engaged by “APPCABLE”, which is obtained from:

• the forms (physical and / or electronic) and supporting documents that you have or may be required to fill / submit for purposes and in connection with your application for our products and/or services (“Product and/or Services”);
• your utilisation of our Products and/or Services;
• from your communications with “APPCABLE” through various methods such as emails, social media and letters, telephone calls and conversations you have with “APPCABLE” personnel and/or our authorised agents;
• when you take part in customer surveys or when you sign up for any of our contests or campaigns; and
• from the public domain and third parties (if any) such as your employers, joint account holders, guarantors and / or prospective guarantors, security providers, legal representatives, authorities, statutory bodies or government agencies, credit bureaus or agencies which provide credit or other information, “APPCABLE”’s related and associated companies and affiliates, service providers, strategic business partners, any other relevant bodies, agencies or partners in connection with our Products and/or Services or such other third parties,

which includes but is not limited to the following:

• your identity (including your name, NRIC number / passport number / other identification number or details, birth details, gender, nationality, signature, photo);
• your contact information (including your telephone number, email, address and fax number);
• your background (including your employment information);
• your financial details (including your income, bank account number, financial commitments, credit information, bankruptcy disclosures); and
• your assets and / or property details in relation to and / or as necessary for any facilities granted or to be granted by “APPCABLE”.

Consent

When you applied or signed up for our Products and/or Services, and your consent is required to process, including to collect, use, record, store, disclose and retain your personal data, you consent for “APPCABLE” to do so in accordance with this Personal Data Protection Notice by signing the acknowledgement of this notice.

“APPCABLE” may process your personal data without your consent in circumstances as permitted by law.

Sensitive information

Depending on your dealings, transactions or activities with “APPCABLE”, we may also process your sensitive personal data such as your mental or physical health and condition, religious beliefs and misconducts (if required). By signing the acknowledgement of this notice, you give us your explicit consent to process your sensitive personal data in accordance with this Personal Data Protection Notice. .

We may also obtain your sensitive personal information from other parties upon your explicit consent or when it is allowed by law.

 “APPCABLE” may process your sensitive personal data without your explicit consent in circumstances as permitted by law.

Purpose of processing

The purposes for which your personal data is collected and processed will vary and may comprise all or any one or more of the following purposes depending on the nature of and the status of the relationship which you have with “APPCABLE”:

• evaluation, verifying and processing of your application;
• where applicable, verifying your current and ongoing financial standing by performing credit reference and credit checks on your credibility and eligibility;
• for preparation and execution of legal documents and/or instruments in relation to our Products and/or Services;
• to assist in your dealings with other organisations (such as insurance company, trustee) in relation to the provision and requirements of the Products and/or Services;
• to provide to you and to continue providing to you our Products and/or Services;
• for verification and security purposes;
• to respond to any enquiries and complaints;
• for internal checks and functions including statistical analysis and modelling, reporting, compliance, shariah, audit and risk assessment, management and monitoring;
• to produce data, reports and statistics which have been anonymised or aggregated in a manner that does not identify you as an individual;
• financial purposes, including accounting and tax;
• contact and communications purposes;
• management reporting and to comply with legislative and statutory requirements;
• for the investigation of complaints and suspected suspicious transactions;
• for prevention and detection of crime;
• to protect or enforce our rights including to recover any debt owing to us;
• for verification and reference checks by third parties;
• general administrative and management purposes; and
• for all other purposes in relation or incidental to the above.

Your information is necessary to us. Unless otherwise stated, all information requested by “APPCABLE” is obligatory. If you do not provide all the obligatory information as requested, we will not be able to keep complete information about you, thus affecting our ability to accomplish the above stated purposes.

Where you have consented, we will also use your personal information to communicate with you on promotions, events and any value-added services:

• related to any of our Products and/or Services;
• from “APPCABLE”’s related and associated companies and affiliates; and
• about third party services and/or products which we feel may be of interest to you.

We will only disclose your personal data to third parties in relation to their products and/or services, with your express consent.

If you do not wish your personal information to be utilised for such communications, or if you would like to change your mind on a previous consent you have given on this, please contact us as set out at the end of this notice. Your latest written instructions to us will prevail.

 Disclosure of your information

“APPCABLE” may, subject at all times to any laws (including regulations, standards, guidelines and/or obligations) applicable to “APPCABLE”, disclose your personal data to the following parties (including those within and outside Malaysia): 

• agents, contractors, vendors and service providers (including but not limited to professional, financial and / or payment service providers) that provide services including data processing services relating to the purposes above;
• your agents and advisors (including but not limited to professional advisers) and any other person notified by and authorised by you;
• credit bureaus or agencies which provide and collect credit or other information;
• government agencies / statutory bodies / authorities;
• our business partners and/or other financial institutions in relation to any Products and/or Services and/or any transactions which you conducted or are the subject of;
• our assignees or potential assignees, acquirers or potential acquirers and successors-in-title;

• any person, who is under a duty of confidentiality who has undertaken the responsibility to keep such data confidential;
• “APPCABLE”’s related and associated companies and affiliates;

• announcement on our website and media outlets including social media if you are a winner of any of our campaigns or contests as consented by you; and
• other parties, in respect of whom you have consented to the disclosure of your personal data.

We may also disclose your personal data (within and outside Malaysia) in good faith, (i) to comply with requirements of the government, law enforcement agency, any authorities to whom “APPCABLE” is subject to or any orders of court; (ii) as is necessary or relevant in relation to any legal process; or (iii) if required or authorised by law.

Access, corrections and complaints

If you would like to make any inquiries or complaints or requests to access, correct or limit our processing of your personal data, you may contact our Customer Care Consultants at 03 8689 0177 or you may visit any of our office at C-3-01, CoPlace 1, 2270 Jalan Usahawan 2, 63000 Cyberjaya, Selangor.