PRIVACY POLICY
Ukhwah Ehsan Sdn Bhd | Registration No. 202101001706 (1402004-W)
https://ukhwahehsan.com | info@ukhwahehsan.com
1. Introduction
Welcome to the website and online platforms operated by Ukhwah Ehsan Sdn Bhd (Company Registration No.202101001706 (1402004-W), referred to as “Ukhwah Ehsan”, “we”, “us” or “our”. We are committed to protecting personal data in accordance with Malaysia’s Personal Data Protection Act 2010 (PDPA), applicable amendments and related regulations. This Policy describes how we collect, process, use, disclose, store and protect personal data through our website, social media lead forms, WhatsApp communications, financing consultations and application assistance (collectively, the “Services”). Where required by law, appropriate consent will be obtained.
2. Collection of Personal Data
We may collect information when you visit our website; submit enquiries or financing forms; contact us by telephone, email, WhatsApp or social media; provide identification, payslips or supporting documents; request an eligibility assessment; participate in campaigns or surveys; or provide feedback. Technical information may also be collected when you browse our website. We collect and process information for purposes related to our Services and applicable legal requirements.
3. What Personal Data Will Ukhwah Ehsan Collect?
Depending on the Services requested, personal data may include your name, NRIC or passport details, date of birth, contact details, address, employment status and employer, income, salary slips, financial commitments, bank information where necessary, credit-related information lawfully obtained, application documents, communications and application status. Website technical information may include IP addresses, browser details and online identifiers. We seek to collect only information reasonably necessary for the stated purposes.
4. Viewing Web Pages
Our website may automatically record technical information such as IP address, browser type, operating system, referring page, pages viewed and access time. We use this information to operate and secure the website, assess performance and improve visitor experience. Where practical, reporting may be aggregated or anonymised.
5. Cookies
Our website may use cookies and similar technologies for site functionality, preferences, analytics and advertising measurement. Third-party analytics or advertising providers may use their own technologies, subject to applicable requirements. You may adjust browser settings to manage cookies, although some site features may not work properly. We will obtain consent for non-essential cookies where required by law.
6. Viewing, Downloading Content and Advertising
When you view website materials or advertisements, technical data about your device and interactions may be processed to assess campaign performance and improve communications. Personal data collected through Facebook, Instagram, TikTok or other lead generation forms is handled under this Policy and applicable law.
7. Surveys
We may invite you to take part in optional surveys, feedback exercises or promotions. Information collected may include contact details, feedback and service preferences. We may use this information to improve our Services and evaluate customer satisfaction. Authorised service providers may assist subject to appropriate safeguards.
8. How Do We Use the Information You Provide Us?
We may use personal data to verify identity; answer enquiries; conduct preliminary eligibility checks; assist in preparing and submitting financing applications; communicate with financing providers; verify employment and income information; provide application updates and customer support; maintain service records; respond to complaints; improve operations; detect fraud; comply with legal and regulatory obligations; and send relevant marketing communications where permitted and appropriately consented to. We will not use information for materially unrelated purposes without an appropriate legal basis.
9. Does Ukhwah Ehsan Disclose the Information It Collects to Outside Parties?
Where reasonably necessary, we may disclose relevant data to financing providers, financial institutions, cooperatives, authorised processors, professional advisers, IT and hosting providers, lawfully authorised verification or credit reporting services, regulators, courts or law enforcement bodies, and other parties authorised by you or law. Disclosure is limited to the relevant purpose and subject to appropriate safeguards. Cross-border transfers, if any, will comply with applicable Malaysian data protection requirements. We do not disclose personal data to unrelated parties for independent marketing without an appropriate lawful basis.
10. Security of Your Personal Data
We maintain reasonable administrative, organisational and technical safeguards intended to prevent unauthorised access, loss, alteration, misuse or disclosure. Access is restricted to authorised personnel and service providers with a legitimate need. No electronic transmission or storage system can be guaranteed completely secure.
11. How Does Ukhwah Ehsan Protect and Retain User Information?
We retain personal data only as long as reasonably necessary for the purposes collected and any applicable legal, contractual, audit or regulatory obligations. When no longer required, data will be securely deleted, destroyed or anonymised where appropriate. Some records may need to be retained after an application is withdrawn, rejected or completed for compliance or dispute resolution.
12. Incomplete Personal Data Provided by You
If you do not provide necessary information, or information is incomplete or inaccurate, we may be unable to assess an enquiry or assist with an application. Optional marketing consent is not ordinarily a condition of core consultation services, except where permitted by law.
13. Your Rights to Access and Correct Your Personal Data
Subject to applicable law, you may request access to personal data held by us and correction of inaccurate, incomplete, misleading or outdated data. Email info@ukhwahehsan.com. We may verify identity before responding and will apply any lawful exceptions, restrictions or permitted fees.
14. Exercising Choices Over the Disclosure, Retention and Use of Your Personal Data
Subject to applicable law, you may request access or correction, withdraw consent where processing relies on consent, opt out of direct marketing, and enquire about processing, disclosure or retention. Contact info@ukhwahehsan.com. Withdrawal may limit our ability to provide Services or continue an application, and certain processing or retention may remain legally required or permitted.
15. Revisions to Privacy Policy
We may revise this Policy to reflect changes in our business, Services or legal requirements. The updated version will be posted on our website. Additional notice or consent will be provided where required by law. Please review this page periodically.
16. Contacting Us About Your Privacy and How We Handle Your Personal Data
Ukhwah Ehsan Sdn Bhd
Company Registration No.: 202101001706 (1402004-W)
Email: info@ukhwahehsan.com
Website: https://ukhwahehsan.com
Please contact us with any questions or concerns about this Policy or our handling of personal data.
17. Acknowledgement and Consent
By submitting personal data, you acknowledge access to this Privacy Policy. Where valid consent is provided, you authorise processing for the communicated purposes, including financing consultations, eligibility assessments, application assistance and communication with relevant financing providers. You confirm the information supplied is accurate to the best of your knowledge and that you have authority to provide any other person’s information. Separate consent for optional marketing or other activities will be obtained where legally required. Your statutory rights remain unaffected.
Financing disclaimer: All financing applications are subject to the eligibility criteria, terms, assessment and
approval of the respective financing providers