Privacy Policy

1. Introduction

Padi ("we", "us", "our") is a financial education provider registered in Negeri Sembilan, Malaysia. We are committed to protecting the personal information of people who enquire about or attend our programmes.

This policy explains what personal data we collect, how we use it, how long we keep it, and what rights you have. It applies to information collected through this website, our enquiry forms, and during our education programmes. If you have questions about this policy, please contact us at [email protected].

2. What Personal Data We Collect

We collect personal data only when it is necessary and proportionate. The types of data we may collect include:

• Contact details: name, email address, phone number — provided when you submit an enquiry via our website or contact us directly.
• Programme participation data: attendance records, session notes (where relevant to the programme), and feedback provided voluntarily after sessions.
• Website usage data: anonymised data about how visitors use our website, collected through cookies and analytics tools where consent is given.

Legal basis: We process your data on the basis of your consent (when you submit an enquiry or accept cookies), legitimate interest (to administer our programmes and improve our services), and contractual necessity (when you enrol in a programme).

Retention: Enquiry data is held for up to 24 months. Programme participation records are kept for up to 5 years for administrative purposes. Analytics data is retained as per the third-party tool's own retention settings.

3. How We Use Your Data

We use personal data collected through this website and our programmes for the following purposes:

• Responding to enquiries and providing information about our programmes
• Processing enrolments and administering programme participation
• Sending session reminders and follow-up information directly related to your enrolment
• Improving the content and delivery of our programmes based on feedback
• Analysing anonymised website usage to improve the site's usability

We do not use your data for unsolicited marketing. If you receive a communication from us that you did not expect, you may ask us to stop by emailing [email protected].

Third-party sharing: We do not sell, rent, or share personal data with financial product providers, advertisers, or other third parties for their marketing purposes. We may share limited data with service providers who help us operate our website (e.g. hosting, analytics), under data processing agreements that prohibit them from using the data for their own purposes.

4. Data Protection Measures

We take reasonable steps to protect the personal data we hold. These include:

• Limiting access to personal data to staff members who need it for their work
• Using secure, password-protected systems for storing participant records
• Transmitting data via encrypted connections (HTTPS) where applicable
• Reviewing our data handling practices periodically

In the event of a data breach that may affect your rights, we will notify you as soon as reasonably practicable and take steps to address the situation.

5. Cookies

This website uses cookies to support its basic functions and, where you consent, to collect anonymised usage data. You can manage your cookie preferences at any time through our Cookie Policy page. Essential cookies are required for the site to function and cannot be disabled.

6. Your Rights

Under Malaysian personal data protection law (PDPA 2010) and, where applicable, international data protection standards, you have the following rights regarding your personal data held by Padi:

• Access: You may request a copy of the personal data we hold about you.
• Correction: You may ask us to correct inaccurate or incomplete data.
• Withdrawal of consent: Where processing is based on consent, you may withdraw it at any time. This will not affect the lawfulness of processing before withdrawal.
• Objection: You may object to processing based on legitimate interest.
• Erasure: You may request deletion of your data where we no longer have a lawful basis for holding it.
• Complaint: You may lodge a complaint with the Personal Data Protection Commissioner of Malaysia if you believe your data has been handled improperly.

To exercise any of these rights, please contact us at [email protected]. We will respond within 30 days.

7. Third-Party Links

This website may contain links to external websites or resources. We are not responsible for the privacy practices of those sites, and this policy does not apply to them. We encourage you to review the privacy policies of any external sites you visit.

8. 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 we become aware that personal data has been submitted by a minor, we will delete it promptly.

9. Changes to This Policy

We may update this Privacy Policy from time to time. When we do, the revised version will be published on this page with an updated date. We encourage you to check this page periodically. Continued use of this website after changes are published constitutes acceptance of the updated policy.

10. Contact

For any privacy-related questions or requests, please contact us: