Privacy Policy
This document is in dual language –English and Bahasa Malaysia. In the event of any conflict between the two languages, the English language version shall prevail.
This Privacy Policy applies to Raiz Malaysia Sdn Bhd (Company No.: 201801021108 (1283127-W)) (“Raiz”, “we”, “us” and “our”) and explains how we may collect, use, process, disclose and/or transfer personal information and comply with the requirements of applicable privacy law, including the Personal Data Protection Act 2010 (“Act”). For the purpose of this document, the term “Personal Data” shall have the same meaning as prescribed in the Act and shall also include opinions, analysis and/or records containing Personal Data.
Dasar Privasi ini terpakai kepada Raiz Malaysia Sdn. Bhd. (No. Syarikat: 201801021108 (1283127-W)) (Raiz”, dan “kami”) dan menerangkan bagaimana kami mengumpul, menggunakan, memproses, mendedahkan dan/atau memindahkan informasi data peribadi dan mematuhi keperluan undang - undang privasi yang terpakai, termasuk Akta Perlindungan Data Peribadi 2010 Malaysia (“Akta”). Untuk tujuan dokumen ini, terma "Data Peribadi" mempunyai maksud yang sama seperti yang ditetapkan dalam Akta tersebut dan juga termasuk pendapat, analisis dan/atau rekod yang mengandungi Data Peribdi.
This Privacy Policy applies to your Personal Data as individuals (“you”, or “your”) in our possession or under our control, including Personal Data in the possession of organisations which we have engaged to collect, use, process, disclose and/or transfer personal data for our purposes.
Dasar Privasi ini terpakai kepada Data Peribadi anda sebagai individu-individu (“anda”) di dalam pemilikan atau di bawah kawalan kami, termasuk Data Peribadi di dalam pemilikan organisasi yang berkerjasama dengan Raiz untuk mengumpul, menggunakan, memproses, mendedahkan dan/atau memindahkan data peribadi untuk tujuan kami.
- Collection of Personal Data/ Pengumpulan Data Peribadi
- We collect Personal Data from you and use that information for the purposes identified in this Privacy Policy.
Kami mengumpul Data Peribadi daripada anda dan menggunakan informasi tersebut bagi tujuan-tujuan yang disenaraikan di dalam Dasar Privasi ini. - The types of Personal Data we will collect from you will depend on the circumstances in which that information is collected. It includes but is not limited to:
Jenis Data Peribadi anda yang dikumpul daripada anda akan bergantung kepada keadaan di mana informasi tersebut dikumpulkan. Ia termasuk tetapi tidak terhad kepada:- Contact details (eg; name, address, email, phone number);
Butiran peribadi (contoh; nama, alamat, e-mel dan nombor telefon); - Identification card, date of birth, and other information for the verification of identity;
Kad pengenalan, tarikh lahir, dan informasi lain untuk pengesahan identiti; - Information required for you to open an account with us or receive services from or do business with us. This information may include bank account details, debit card numbers that you link to your account, your personal financial information, your financial goals and objectives and details about your spending activities and previous financial history;
Informasi yang diperlukan untuk anda membuka akaun bersama kami atau menerima perkhidmatan daripada atau menjalankan perniagaan bersama kami. Informasi ini termasuk butiran akaun bank, nombor kad debit yang anda hubungkan ke akaun anda, informasi kewangan peribadi anda, matlamat kewangan anda, objektif dan butiran aktiviti perbelanjaan anda dan sejarah kewangan terdahulu; - Information about purchases that you make by cards linked to your account for which the information are - 1) date of purchase, 2) amount, and 3) merchant category code (“MCC”); and
Informasi mengenai pembelian yang anda buat menggunakan kad bank yang dihubungkan ke akaun anda dimana maklumat tersebut adalah:1) tarikh pembelian, 2) jumlah, 3) merchant category code (“MCC”); dan - Statistical information regarding the use of Raiz website and App, including website users’ IP addresses and the dates and times of visits.
Informasi statistik mengenai penggunaan laman sesawang dan Aplikasi Raiz, termasuk alamat IP pengguna dan tarikh serta kekerapan lawatan.
- Contact details (eg; name, address, email, phone number);
- We usually collect Personal Data when you:
Kami akan mengumpul Data Peribadi apabila anda:- Submit information to us, including via Raiz website or App (eg; when you register a user account, retrieve log-in information, or request a new password);
Hantar informasi kepada kami, termasuk melalui laman sesawang atau Aplikasi Raiz (contoh; apabila anda mendaftar akaun pengguna, mendapatkan semula maklumat daftar masuk, atau meminta kata laluan baru); - Submit information through Raiz website;
Hantar informasi melalui laman sesawang Raiz; - Register for email subscriptions, or publications through Raiz website or App;
Daftar untuk langganan e-mel, atau penerbitan melalui laman sesawang ataupun Aplikasi Raiz; - Request services from us. This may include us accessing information held by your financial institution or other third parties that we have relationships with which you consent to us accessing;
Minta perkhidmatan daripada kami. Ini mungkin termasuk kami mengakses informasi yang disimpan oleh institusi kewangan anda atau pihak ketiga yang berkerjasama dengan kami dimana anda bersetuju untuk memberi kami akses; - Use the Raiz website or App;
Menggunakan laman sesawang dan Aplikasi Raiz; - Contact us, through the website, App, or by email or phone, or request that we contact you;
Hubungi kami, melalui laman sesawang, Aplikasi, atau melalui e-mel atau telefon, atau meminta kami menghubungi anda; - Make purchases using debit cards or any other accounts linked to your Raiz account;
Buat pembelian melalui kad debit atau apa sahaja akaun yang dihubungkan ke akaun Raiz anda; - Participate in promotions or competitions run by or with the support of Raiz; and
Mengambil bahagian dalam promosi ataupun pertandingan yang dianjurkan oleh atau bersama sokongan Raiz; dan - Use or purchase of any products or services provided by our referral partners.
Guna ataupun beli apa sahaja produk atau perkhidmatan yang disediakan oleh rakan rujukan kami.
- Submit information to us, including via Raiz website or App (eg; when you register a user account, retrieve log-in information, or request a new password);
- By providing your Personal Data to us, you acknowledge and agree that you have fully read and understood this policy, and are consenting to the collection, use, processing and disclosure of your Personal Data as described in this policy.
Dengan memberikan Data Peribadi anda kepada kami, anda telah mengakui dan bersetuju bahawa anda telah membaca sepenuhnya dan memahami dasar ini, serta bersetuju kepada pengumpulan, penggunaan, pemprosesan dan pendedahan Data Peribadi anda seperti yang terkandung di dalam dasar ini. - It is mandatory for you to provide all of the Personal Data which we request from you. Failure to provide your Personal Data may result in us being unable to provide any or all of our services to you.
Ianya wajib bagi anda untuk memberikan semua Data Peribadi yang kami minta daripada anda. Kegagalan untuk memberikan Data Peribadi anda boleh mengakibatkan kami tidak dapat memberikan sebarang atau semua perkhidmatan kami kepada anda.
- We collect Personal Data from you and use that information for the purposes identified in this Privacy Policy.
- Usage of the Personal Data/ Penggunaan Data Peribadi
- We will only use and disclose your Personal Data in accordance with the Act and our Privacy Policy.
Kami hanya akan menggunakan dan mendedahkan Data Peribadi anda mengikut Akta dan Dasar Privasi kami. - The purpose for collecting, holding, using and disclosing Personal Data includes but are not limited to the following:
Tujuan mengumpul, menyimpan, menggunakan dan mendedahkan Data Peribadi termasuk tetapi tidak terhad kepada berikut:- To supply products or services to our customers
Untuk membekalkan produk dan perkhidmatan kepada pelanggan kami - To obtain products and services from our suppliers
Untuk mendapatkan produk dan perkhidmatan daripada pembekal kami - To respond to enquiries from existing or prospective customers seeking information about our products or services
Untuk menjawab segala pertanyaan daripada pelanggan yang sedia ada atau bakal pelanggan yang mencari informasi berkenaan produk dan perkhidmatan kami - To improve the products and services that we supply to you
Untuk meningkatkan kualiti produk dan perkhidmatan yang kami berikan kepada anda - To carry out processes associated with the services we provide including fraud screening, identity verification, electronic fund transfers and account monitoring
Untuk menjalankan proses yang berkaitan dengan perkhidmatan yang kami sediakan termasuk pengesanan penipuan, pengesahan identiti, pemindahan dana elektronik dan pemantauan akaun - To comply with legislative and our policy requirements
Untuk mematuhi perundangan dan keperluan polisi kami - For the purposes of conducting analysis about the deployment and use of our products and services and the technology that supports our products and services for your benefit
Untuk tujuan membuat analisis berkaitan dengan pengaturan dan penggunaan produk dan perkhidmatan kami serta teknologi yang menyokong produk dan perkhidmatan kami untuk manfaat anda - To provide information to, and respond to queries from, shareholders or suppliers
Untuk memberi informasi kepada, dan menjawab pertanyaan daripada pemegang-pemegang saham dan para pembekal
- To supply products or services to our customers
- We may aggregate information that we collect and use it for the purpose outside the scope of this Privacy Policy. Any aggregated data used for those purposes will have all personally identifiable information removed to ensure your Personal Data cannot be linked back to you.
Kami mungkin menggabungkan semua informasi yang dikumpulkan dan menggunakan informasi tersebut bagi tujuan yang di luar dari skop Dasar Privasi ini. Semua informasi yang boleh dikenalpasti secara peribadi akan dikeluarkan daripada mana-mana data gabungan yang digunakan untuk memastikan Data Peribadi anda tidak boleh dikaitkan kembali kepada anda. - We disclose or may disclose your Personal Data to our related corporations, business partners, service providers, our financial and professional advisors, financial institutions, governmental departments and/or agencies, regulatory and/or statutory bodies and any such third party requested by you.
Kami mendedahkan atau mungkin mendedahkan Data Peribadi anda kepada syarikat yang berkaitan dengan kami, rakan kongsi perniagaan, pembekal perkhidmatan kami, penasihat kewangan dan profesional kami, institusi kewangan, jabatan dan/atau atau agensi kerajaan, badan pengawalseliaan dan/atau badan berkanun dan mana-mana pihak ketiga yang diminta oleh anda. - We may disclose your Personal Data to any member of our group, which means our subsidiaries, our ultimate holding company and its subsidiaries in order to provide our products and services to you.
Kami mungkin mendedahkan Data Peribadi anda kepada mana-mana ahli kumpulan kami, yang bermaksud anak syarikat kami, syarikat utama kami dan anak syarikatnya untuk menyediakan produk dan perkhidmatan kami kepada anda.
- We will only use and disclose your Personal Data in accordance with the Act and our Privacy Policy.
- Access to Personal Data and Limiting Processing/ Akses kepada Data Peribadi dan Mengehadkan Pemprosesan
- We rely on the accuracy of Personal Data provided by you or your authorised representative. If at any time you wish to request access, correct and update your Personal Data and/or limit the processing thereof at any time hereafter in line with the Act and any applicable law, please contact us at help@raiz.com.my and we will take all reasonable steps to provide access and/or delete and/or limit the processing of it unless we need to do so for legal reasons.
Kami bergantung pada ketepatan Data Peribadi yang disediakan oleh anda atau wakil anda yang diberi kuasa. Jika pada bila-bila masa anda ingin meminta akses, membetulkan dan mengemas kini Data Peribadi anda dan/atau mengehad pemprosesannya pada bila-bila masa selepas ini selaras dengan Akta dan mana- mana undang-undang yang terpakai, sila hubungi kami di help@raiz.com.my dan kami akan mengambil semua langkah yang munasabah untuk menyediakan akses dan/atau memadamkan dan/atau mengehadkan pemprosesannya melainkan jika kami perlu berbuat demikian atas alasan undang-undang. - Do note that, in limiting the processing of your Personal Data, it may result in us being unable to provide any or all of our services to you.
Sila ambil perhatian bahawa dalam mengehadkan pemprosesan Data Peribadi anda, ia mungkin menyebabkan kami tidak dapat memberikan sebarang atau semua perkhidmatan kami kepada anda.
- We rely on the accuracy of Personal Data provided by you or your authorised representative. If at any time you wish to request access, correct and update your Personal Data and/or limit the processing thereof at any time hereafter in line with the Act and any applicable law, please contact us at help@raiz.com.my and we will take all reasonable steps to provide access and/or delete and/or limit the processing of it unless we need to do so for legal reasons.
- Transfer of Personal Data outside Malaysia/ Pemindahan Data Peribadi ke Luar Malaysia
- We may disclose Personal Data outside Malaysia but only to the extent it is necessary to perform our business functions or activities and for the purposes stated in paragraph 2.5 or if required by law. In the conduct of our business we may transfer and disclose Personal Data to only our contracted service providers and organisations with whom we partner to provide services and whose data warehouses may be located outside Malaysia. If the privacy laws of those countries outside Malaysia does not provide the same level of protection as the laws of Malaysia, we will comply with all applicable laws relating to the cross-border data disclosure.
Kami mungkin mendedahkan Data Peribadi anda ke luar Malaysia tetapi hanya setakat yang diperlukan untuk menjalankan fungsi atau aktiviti perniagaan kami dan bagi tujuan-tujuan yang dinyatakan dalam perenggan 2.5 atau jika diperlukan oleh undang-undang. Dalam menjalankan perniagaan kami, kami mungkin akan memindahkan dan mendedahkan Data Peribadi kepada hanya pembekal perkhidmatan kami dan organisasi yang berkerjasama dengan kami untuk memberikan perkhidmatan dan pemegang gudang data yang berpengkalan di luar Malaysia. Jika undang-undang privasi di luar negara yang terlibat tidak dapat menyediakan perlindungan data yang sama seperti undang-undang di Malaysia, kami akan mematuhi semua undang-undang yang terpakai berkaitan dengan pendedahan data merentasi sempadan. - Raiz requires any third party service provider located outside Malaysia which receives Personal Data held by Raiz to enter into a contractual arrangement protecting your Personal Data.
Setiap organisasi luar negara yang menerima Data Peribadi yang disimpan oleh Raiz akan menyertai perjanjian kontrak bagi melindungi Data Peribadi anda.
- We may disclose Personal Data outside Malaysia but only to the extent it is necessary to perform our business functions or activities and for the purposes stated in paragraph 2.5 or if required by law. In the conduct of our business we may transfer and disclose Personal Data to only our contracted service providers and organisations with whom we partner to provide services and whose data warehouses may be located outside Malaysia. If the privacy laws of those countries outside Malaysia does not provide the same level of protection as the laws of Malaysia, we will comply with all applicable laws relating to the cross-border data disclosure.
- Links to third party websites/ Pautan ke Laman Sesawang Pihak Ketiga
- Our website may contain links to other websites which are not maintained by us. This Privacy Policy only applies to our website and App. When visiting these third party websites, you should read their privacy policies which will apply to your use of their websites.
Laman sesawang kami mungkin mempunyai pautan kepada laman sesawang pihak ketiga yang tidak diselenggara oleh pihak kami. Dasar Privasi ini hanya terpakai dan tertakluk pada laman sesawang dan Aplikasi Raiz. Apabila anda melayari laman sesawang pihak ketiga, anda dinasihatkan untuk membaca dasar privasi pihak ketiga tersebut.
- Our website may contain links to other websites which are not maintained by us. This Privacy Policy only applies to our website and App. When visiting these third party websites, you should read their privacy policies which will apply to your use of their websites.
- Retention of Personal Data/ Penjagaan Data Peribadi
- We take all reasonable steps to keep secure any information which we hold about you. Your information is stored on secure servers that are protected in controlled facilities. We require our employees and data processors to respect the confidentiality of any Personal Data held by us.
Kami mengambil segala langkah yang munasabah bagi memastikan informasi yang berkaitan dengan data anda dijaga dengan rapi. Maklumat anda disimpan di server bercagar yang dilindungi di fasiliti yang terkawal. Kami akan memastikan bahawa pekerja kami dan pemposes data untuk menghormati maklumat sulit mana-mana Data Peribadi yang dipegang oleh pihak kami. - Your Personal Data is retained as long as the purpose for which it was collected remains to comply with applicable law, prevent fraud, resolve disputes, troubleshoot problems, assist with any investigation and other actions permitted by law.
Data Peribadi anda akan disimpan selagi tujuan data itu dikumpulkan tetap mematuhi undang-undang yang terpakai, mengelakkan penipuan, menyelesaikan pertikaian, menyelesaikan masalah, membantu dengan sebarang penyiasatan dan tindakan lain yang dibenarkan oleh undang-undang. - We will cease to retain your Personal Data or remove the means by which the data can be associated with you, as soon as it is reasonable to assume that such retention no longer serves the purpose for which the Personal Data was collected, and it is no longer necessary for legal or business purposes.
Kami tidak akan menyimpan Data Peribadi anda atau data yang berkaitan dengan anda sekiranya tiada sebab munasabah untuk kami menyimpan data tersebut serta tidak lagi diperlukan untuk tujuan undang-undang atau perniagaan.
- We take all reasonable steps to keep secure any information which we hold about you. Your information is stored on secure servers that are protected in controlled facilities. We require our employees and data processors to respect the confidentiality of any Personal Data held by us.
- Amendments to this Privacy Policy/ Pemindaan Dasar Privasi
- We reserve the right to amend this policy from time to time. We may also attempt to notify you via electronic or conventional mail of any changes. Your continued access to the website and/or App shall constitute your agreement to such changes. If at any time you choose not to accept our Privacy Policy, including following any such modifications hereto, then you must stop using the Platform.
Kami berhak untuk meminda dasar ini dari semasa ke semasa. Sekiranya ada perubahan pada dasar ini, kami mungkin akan memaklumkan anda melalui e-mel atau surat menyurat. Anda bersetuju dengan pindaan yang dibut pada dasar ini sekiranya anda meneruskan akses untuk melayari laman sesawang dan/atau Aplikasi kami. Jika anda memilih untuk tidak menerima Dasar Privasi ini, termasuk pindaannya, maka anda seharusnya berhenti menggunakan Platform kami.
- We reserve the right to amend this policy from time to time. We may also attempt to notify you via electronic or conventional mail of any changes. Your continued access to the website and/or App shall constitute your agreement to such changes. If at any time you choose not to accept our Privacy Policy, including following any such modifications hereto, then you must stop using the Platform.
- Contacting us/ Hubungi kami
- If you have any concerns or complaints about how we handle your Personal Data, or if you have any questions about this policy, please contact us via email at help@raiz.com.my or through telephone at +603 2714 6114.
Sekiranya anda mempunyai sebarang soalan mengenai sebarang aspek Dasar Privasi ini atau sebarang pertanyaan atau aduan berkenaan Data Peribadi anda, sila hubungi kami di help@raiz.com.my atau +603 2714 6114 ditalian tetap kami.
- If you have any concerns or complaints about how we handle your Personal Data, or if you have any questions about this policy, please contact us via email at help@raiz.com.my or through telephone at +603 2714 6114.