1. About This Policy

This Privacy Policy applies to personal data collected by Saujana Fund ("we", "us", "our") through our website at {{DOMAIN}}, through our contact and enrolment forms, and through the delivery of our financial education programmes.

By using our website or submitting an enquiry, you acknowledge that you have read and understood how we handle personal data as described in this policy.

2. Data We Collect

Information you provide directly

• Full name and preferred salutation
• Email address
• Mobile or telephone number
• Any details you include in your enquiry or message

Information collected automatically

• Browser type, device type, and operating system
• Pages visited and time spent on each page
• Referring URL and general geographic location (city/country level)
• Cookie identifiers (see Section 7 for details)

Legal basis for processing

We process your personal data on the following legal bases under the PDPA 2010:

• Consent — when you submit an enquiry form or tick an opt-in box
• Contractual necessity — when we need your data to enrol you in a programme or deliver our services
• Legitimate interest — for website analytics that help us improve content and usability
• Legal obligation — when we are required to retain records for regulatory or tax purposes

3. How We Use Your Data

We use the information we collect for the following purposes:

• Responding to your enquiries and providing programme information
• Processing enrolments and managing your participation in our courses
• Sending session reminders, materials, and follow-up communications
• Analysing website usage to improve our content and user experience
• Complying with applicable Malaysian laws and regulations

We do not use your data for automated decision-making or profiling.

Marketing communications

If you have given us consent, we may send you educational content, programme announcements, or updates by email. You may withdraw this consent at any time by replying "unsubscribe" to any email or by contacting us at privacy@{{DOMAIN}}.

4. Data Retention

We retain your personal data only as long as necessary:

• Enquiry records: up to 12 months from the date of enquiry if no enrolment follows
• Participant records: up to 7 years from programme completion, as required for financial education record-keeping
• Analytics data: aggregated and anonymised after 14 months

After the applicable retention period, data is securely deleted or anonymised.

5. Data Sharing

We do not sell, rent, or trade your personal information. We may share data only in the following circumstances:

• Service providers: third-party tools that help us operate our website and deliver programmes (e.g., email platforms, analytics services). These providers are bound by confidentiality obligations and may not use your data for their own purposes.
• Legal requirements: if required by Malaysian law, a court order, or a regulatory authority.
• Business transfers: in the event of a merger or acquisition, data would be transferred under equivalent privacy protections.

Third-party services we may use

• Google Analytics — website usage analytics (privacy.google.com)
• Google Maps — location display on our website
• Email delivery platforms — for session communications

6. Data Protection Measures

We take reasonable technical and organisational steps to protect your personal data:

• HTTPS encryption for all data in transit
• Access to personal data restricted to staff who need it to perform their duties
• Regular review of our data handling practices
• Secure deletion of data that is no longer required

In the event of a data breach that is likely to affect your rights or interests, we will notify you and the relevant authority in accordance with the PDPA 2010 and applicable guidelines.

7. Cookies

Our website uses cookies to function properly and to understand how visitors use the site. Cookies are small text files stored on your device.

We use the following types of cookies:

• Essential cookies: required for the website to work (e.g., remembering your cookie preferences)
• Analytics cookies: help us understand page visits and improve content
• Marketing cookies: may be used for relevant advertising if you consent
• Preference cookies: remember your settings and choices

You can manage your cookie preferences at any time by visiting our Cookie Policy page, which includes interactive controls.

8. Your Rights Under PDPA 2010

As a data subject under Malaysian law, you have the right to:

• Access — request a copy of the personal data we hold about you
• Correction — ask us to correct inaccurate or incomplete data
• Withdrawal of consent — withdraw consent for processing where consent is the legal basis
• Restriction — ask us to limit how we use your data in certain circumstances
• Complaint — lodge a complaint with the Personal Data Protection Commissioner of Malaysia

To exercise any of these rights, please write to us at privacy@{{DOMAIN}}. We will respond within 21 days. We may need to verify your identity before processing your request.

9. Third-Party Links

Our website may contain links to external websites. We are not responsible for the privacy practices of those sites. We encourage you to read the privacy policy of any website you visit.

10. Children's Privacy

Our programmes are designed for adults aged 40 and above. We do not knowingly collect personal data from individuals under the age of 18. If you believe we have inadvertently collected data from a minor, please contact us immediately at privacy@{{DOMAIN}}.

11. International Data Transfers

Your data is primarily processed and stored in Malaysia. If any data is transferred to servers or service providers outside Malaysia, we take steps to ensure adequate data protection standards are maintained, in compliance with the PDPA 2010.

12. Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will revise the "Last Updated" date at the top of this page. We encourage you to review this page periodically. Material changes will be communicated via a notice on our homepage or by email where appropriate.

13. Contact Us

If you have any questions or concerns about this Privacy Policy or how we handle your personal data, please reach out to us:

• Email: privacy@{{DOMAIN}}
• Phone: +60 3-7439 2816
• Address: 44 Jalan Yap Kwan Seng, 50450 Kuala Lumpur, Malaysia