This Privacy Policy addresses how your Personal Information is collected, used, processed, and disclosed by us in compliance with the Personal Data Protection Act 2010 (“PDPA”) as well as applicable data protection laws and regulations.

We collect Personal Information through various means including online platform (accessible through our website at https://www.moneyx.com.my or through our mobile application, the MoneyX app (“Platform”) (i.e. when you use the contact form and when you register and/or login on the platform) and in the course of our business dealings with you. “Personal Information” is information that identifies and relates to you or other individuals related to you.
When ordering or registering on our Platform, as appropriate, you may be asked to submit your identification and contact information, financial information, sensitive information, information enabling us to provide personalized products and services, and/or marketing preferences and customer feedback.
You may also visit our Platform anonymously. Google, as a third-party vendor, uses cookies to track statistics for our Platform. Users may opt out of the use of the Google cookie by visiting the Google ad and content network privacy policy.

Any of the Personal Information we collect from you may be used in one of the following ways:

• To personalize your experience (your Personal Information helps us to better respond to your individual needs);
• For internal purposes, such as platform performance, system administration, marketing and analytics purposes, quality control and to evaluate use of our Platform, to improve our Platform (we continually strive to improve our Platform offerings based on the Personal Information and feedback we receive from you);
• To notify you regarding any important Personal Information regarding changes to our policies, other terms and conditions, the platform and other administrative Personal Information;
• To communicate with you, provide customer support and to address issues or inquiries, as part of our business;
• For security purposes, to verify your identity, protect against fraud and to ensure safety of your account.

We implement a variety of security measures to maintain the safety of your Personal Information when you enter, submit, or access your Personal Information.
We ensure that your Personal Information is stored on our secure servers. Any payment or transactions made will be encrypted. If you have a username, password or other login details which enable you to access certain parts of our Platform, you must not allow any other person to use them and must treat them as confidential. If you believe or suspect that someone else possesses your login and/or account details, you are advised to contact us at support@moneyx.com.my as soon as possible. Kindly also take note of our Terms and Conditions and Platform Agreement.
Although we will apply our normal procedures and comply with legal requirements to protect your Personal Information, we cannot guarantee the security of your Personal Information transmitted to our Platform and any transmission is at your own risk. Once we have received your Personal Information, we will use strict procedures and security features to try to prevent unauthorized access.

We will take appropriate measures, which are consistent with applicable privacy and data security laws in collecting, using, processing, and disclosing Personal Information. Unfortunately, no data transmission over the Internet or data storage system can be guaranteed to be 100% secure. If you have reason to believe that your interaction with us is no longer secure (for example, if you feel that the security of any Personal Information you might have with us has been compromised), please immediately notify us.
When we provide Personal Information to a service provider, the service provider will be selected carefully and required to use appropriate measures to protect the confidentiality and security of the Personal Information.

“Other Information” is any information that does not reveal your specific identity, such as:

• Browser information;
• Information collected through cookies, pixel tags and other technologies;
• Demographic information and other information provided by you;
• Aggregated information.

We and our third-party service providers may collect Other Information in a variety of ways, including:

• Through your internet browser: Certain information is collected by most platforms, such as your IP address (i.e., your computer’s address on the internet), Media Access Address (MAC Address), screen resolution, operating system type (Windows or Mac) and version, internet browser type and version, time of the visit and the pages visited. We use this information for purposes such as calculating platform usage levels, helping diagnose server problems, and administering the Platform.
• Using cookies: Cookies are pieces of information stored directly on the computer you are using. Cookies allow us to recognize your computer and to collect information such as internet browser type, time spent on our Platform, pages visited and language preferences. We may use the information for security purposes, to facilitate navigation, to display information more effectively, to personalize your experience while visiting our Platform, or to gather statistical information about the usage of our Platform. Cookies further allow us to present to you the advertisements or offers that are most likely to appeal to you. We may also use cookies to track your responses to our advertisements and we may use cookies or other files to track your use of other platforms.
• From you: Some information (for example, your location or preferred means of communication) is collected when you voluntarily provide it. Unless combined with Personal Information, this information does not personally identify you.

We may disclose your Personal Information for the purposes of the above and make your Personal Information available within the relevant parties, strictly on a need-to-know basis to:

• Group of Companies within Hextech Technologies Solutions Berhad

However, non-personally identifiable visitor Personal Information may be provided to other parties for marketing, advertising, or other uses.
Access to your Personal Information within Hextech Vision Sdn Bhd. Group of Companies is restricted to those individuals who have a need to access Personal Information for marketing or our business purposes.

• Other stakeholders and distribution parties

We do not sell, trade, or otherwise transfer to outside parties your personally identifiable Personal Information. However, this does not include trusted third parties who assist us in operating our Platform, conducting our business, or servicing you.
In the course of marketing and providing our services, we may make your Personal Information available to third parties such as operators or insurers, intermediaries and agents, appointed representatives, distributors, financial institutions, securities firms and other business partners.

• Our service providers

External third-party service providers, such as medical professionals, accountants, actuaries, auditors, experts, lawyers and other outside professional advisors, travel and medical assistance providers, call center service providers, breakdown assistance, IT systems, support and hosting service providers, printing, advertising, marketing and market research and analysis service providers, banks and financial institutions that service our accounts, third-party claim administrators, document and records management providers, claim investigators and adjusters, construction consultants, engineers, examiners, translators, and similar third-party vendors and outsourced service providers that assist us in carrying out business activities.

• Governmental authorities and third parties involved in court action

We may also share your Personal Information with governmental or other public authorities (including but not limited to, workers’ compensation boards, courts, law enforcement, tax authorities and criminal investigations agencies), and third-party civil legal process participants and their accountants, auditors, lawyers and other advisors and representatives as we believe to be necessary or appropriate: (a) to comply with applicable law, including laws outside your country of residence, (b) to comply with legal process, (c) to respond to requests from industry associations and federations and public and government authorities, including public and government authorities outside your country of residence, (d) to enforce our terms and conditions, (e) to protect our operations, (f) to protect our rights, privacy, safety or property, you or others, and (g) to allow us to pursue available remedies or limit our damages.

• Other authorized third parties

We may share your Personal Information with payees, emergency providers (fire, police and medical emergency services), retailers, medical networks, organizations and providers, travel carriers, credit bureaus, credit reporting agencies, and other people involved in an incident that is the subject of a claim, as well as purchasers and prospective purchasers or other parties in any actual or proposed reorganization, merger, sale, joint venture, assignment, transfer or other transaction relating to all or any portion of our business, assets or stock.

We take reasonable steps to ensure that the Personal Information we process is reliable for its intended use, and is as accurate and complete as is necessary to carry out the purposes described in this Privacy Policy. We will retain Personal Information for the period necessary to fulfill the purposes outlined in this Privacy Policy unless a longer retention period is required or permitted by law.

Occasionally, at our discretion, we may include or offer third-party products or services on our platform. Please note that these third-party platforms ought to have their own separate and independent privacy policies. We shall not be liable for any loss or damages howsoever arising whether in contract, tort, negligence, strict liability or any other basis, including without limitation, direct or in direct, special, incidental, consequential or punitive damages, or loss profits, or savings arising in connection with your usage of such third-party platforms. Please ensure that you have read the Privacy Policies prior to submitting your Personal Information to those platforms. Nonetheless, we seek to protect the integrity of our Platform and welcome any feedback about these platforms.

We will provide you with regular opportunities to inform us of your marketing preferences, including in our communications to you. You can contact us at support@moneyx.com.my or write to the address stated at the bottom of this Privacy Policy to inform us of your marketing preferences whether to opt-in or opt-out.
We aim to comply with your opt-out request(s) within a reasonable time period. Please note that if you opt-out as described above, we will not be able to remove your Personal Information from the databases of third parties with whom we have already shared your Personal Information. Please also note that if you do opt-out of receiving marketing communications from us, we may still send you other important administrative communications from which you cannot opt-out.

This online privacy policy applies only to Personal Information collected through our Platform and not to Personal Information collected offline.

When utilizing our Platform, you will be required to provide your Personal Information to us for the purpose of obtaining our services. With this consent it is deemed that you have given consent (including explicit consent to Personal Information of other individuals related to you, where applicable) for the related processes above.

If you provide Personal Information to us regarding other individuals, you agree: (a) to inform the individual about the content of this Privacy Policy, and (b) to obtain any legally-required consent for the collection, use, disclosure, and transfer (including cross-border transfer) of Personal Information about the individual in accordance with this Privacy Policy and in no manner shall we be liable for any unauthorized disclosure, publication and/or usage by any third-party of such Personal Information regarding other individuals.

You have the right to access and amend your Personal Information. Please contact us at support@moneyx.com.my with any such requests or if you have any questions or concerns about how we process Personal Information. Please note that some Personal Information may be exempt from access or amendments in accordance with local privacy and data protection laws.

We review this Privacy Policy regularly and reserve the right to make changes at any time to take account of changes in our business and legal requirements. Changes will be effective upon posting to the Platform.

For any inquiries on this Privacy Policy, complaints, Personal Information access, or amendments to your Personal Information request, please contact us at support@moneyx.com.my.