Data protection and Privacy Policy
​
Last updated: 01.12.2023
​
We at Curaguru Solutions Sdn Bhd ("CG") respect the privacy and confidentiality of the personal data of our clients, partners and counteragents with whom we interact when providing our services. We're committed to ensuring that all personal data provided to Curaguru remain secure and only be used for the purpose of customer evaluation and customer servicing related to the Installment plan. We only collect personal information necessary to provide our clients services that have been requested.​ We do ​not sell any of the information collected. By providing CG with your personal data, you confirm that it is true and accurate. Please read this Data Protection and Privacy Policy (“Policy”) to understand what personal data is collected and processed by CG and for what purposes it is used.
​
1. We conduct our business in full compliance with Personal Data Protection Act 2010 ("PDPA") and protect personal information proved by our clients, partners and counteragents. By providing your personal data to CG you acknowledge and agree that you have fully read and understood this policy and consenting to the collection, use, processing and disclosure of your personal data as explained in this policy.
​
2. Definitions
2.1 Personal data means any data relating to an individual who can be identified from that data or from that data and other information to which we have or may have access to.
2.2 Data is recorded information stored electronically or on paper (e.g.invoices).
2.3 Data processors include any person who processes personal data solely on behalf of a data user and does not process the personal data for any of his own purposes. Employees of data users are excluded from this definition.
2.4 Data subject means an individual who is the subject of the personal data.
2.5 Data user means a person who processes any personal data.
2.6 Data processing is activity that involves use of the personal data, including collecting, recording, storing the data or conducting operations on the data.
​
3. Personal Data CG collects
3.1 CG collects information about visitors of CG website, users of mobile application, various forms and surveys, other channels of interactions and communications.
3.2 Personal data under discussion includes: personal information, including name, NRIC/Passport photocopy, date of birth; contact information, including living address, email, mobile phone number; employment information, including employer's name, employer's industry, occupation; payment information, including bank used, monthly income; financed service information, including type, length, provider name, name of the person getting service; other information which CG might consider required for customer evaluation or customer servicing purposes.
3.3 CG may collect certain information automatically when clients visit CG website, use CG mobile application. Such information include IP address, browser type, browser version, operating system etc.
3.4 CG may receive information about clients from the third parties (for example, social media platforms).
​
4. Purposes of Personal data usage
4.1 CG may use and/or process personal data for the following purposes:
a. To facilitate installment invoice issuance, process and deal with your service provider;
b. For the supply of goods and/or services which we finance;
c. For identification and verification purposes;
d. To conduct researches and analysis to improve services we provide;
e. To contact and communicate with the clients via various communication channels.
f. To conduct customer evaluation checks (e.g.credit, security, and background checks) in accordance with legal and regulatory obligations and internal risk management procedures that may be required by law or by CG;
g. To prevent any fraud, unlawful activity or omission or misconduct; dealing with and/or investigating complaints;
h. To comply with any applicable laws, governmental or regulatory requirements, requests from any governmental authorities;
i. For marketing purposes, including sending newsletters, products and/or services promotional campaigns. You may unsubscribe from this purpose of data use anytime;
j. To facilitate settlements with service providers;
k. To conduct customer service activities.
​
5. Security of the personal data is one of CG's priorities. CG takes various actions to protect personal data from loss, misuse, modification, unauthorized or accidental access or disclosure, alteration or destruction using the same safeguards as we use for our own proprietary information. All information you provide to CG is stored on secure servers.
​
6. Access to Personal data
6.1 Should you wish to access and/or correct any of your personal data provided to CG it can be done in accordance with PDPA requirements. You can address your request to CG via ask@curaguru.com and we'll respond you in writing.
6.2 To correct personal data provided to CG you may supply CG with the new information via ask@curaguru.com. Once information will be corrected we will notify you in writing.
​
7. Data sharing
7.1 Your Personal Data can be shared in the following way: to CG partners, vendors, agents and service providers, who's services are used to deliver CG services to you, including credit bureau(s), lawyer(s), auditor(s), debt collection agency(ies); to CG partners in case of an actual or prospective merger, acquisition or asset sale, any business partner, investor, assignee, or transferee for the purposes of facilitating such a transaction; to relevant regulator(s), statutory boards or authorities, or law enforcement agencies as required by any laws, rules, guidelines, and regulations.
​
8. CG reserves the right to update this policy from time to time without notice. All changes to this policy will be posted and can be seeing at curaguru.com. By continuing using CG services you confirm agreeing with the Policy updates.
​
9. For any enquiries on our privacy policy, please contact our Data Protection Officer on dp@curaguru.com