Privacy Policy

1. Introduction & Scope

This Privacy Policy applies to Coinwise Sdn. Bhd. ("Coinwise", "we", "us"), operating at 38 Jalan Dang Wangi, 50100 Kuala Lumpur, Malaysia. It covers personal data collected through our website at coinwise.biz, programme enrolment processes, and direct communications.

We process personal data in compliance with the Personal Data Protection Act 2010 (PDPA) of Malaysia.

2. Data We Collect

We collect only the data necessary to deliver our services and communicate with participants:

• Contact data: Full name, email address, phone number — collected via enquiry forms
• Enrolment data: Name, employer name (optional), and payment confirmation details
• Communication data: Emails and messages you send us, including content
• Usage data: IP address, browser type, pages visited — collected via analytics cookies (if consented)

Retention: Contact and enrolment data is retained for up to 5 years from last interaction. Usage data via analytics is retained per the analytics provider's policies (typically 26 months). You may request earlier deletion — see Section 7.

3. How We Use Your Data

• Responding to enquiries about our programmes
• Processing enrolments and issuing invoices
• Sending programme-related communications (schedules, materials, updates)
• Issuing certificates of completion where applicable
• Improving our website and programme content (via anonymised analytics, if consented)
• Sending programme announcements and education resources (only with your consent)

We do not sell your data to third parties. We do not share your data with financial product providers or advertisers.

4. Legal Basis for Processing

Under PDPA 2010, we process your data on the following bases:

• Consent: For marketing communications and optional analytics cookies
• Contract performance: To deliver the programme you have enrolled in
• Legitimate interest: For internal record-keeping and improving our programmes
• Legal obligation: Where Malaysian law requires retention of certain records

5. Data Protection Measures

• HTTPS encryption across all website pages
• Access to personal data restricted to authorised staff only
• Regular review of data storage and access procedures
• In the event of a data breach, affected individuals will be notified promptly in accordance with PDPA requirements

6. Cookies

We use essential cookies (required for site functionality) and optional analytics cookies (only if you consent via our cookie banner). You can manage your cookie preferences at any time via our Cookie Policy page.

7. Your Rights

Under Malaysia's PDPA 2010, you have the right to:

• Access the personal data we hold about you
• Correct inaccurate or incomplete data
• Request deletion of your data (subject to legal retention obligations)
• Withdraw consent for marketing communications at any time
• Object to processing based on legitimate interest
• Lodge a complaint with the Department of Personal Data Protection Malaysia (JPDP)

To exercise these rights, contact us at [email protected]. We will respond within 21 working days.

8. Third-Party Services

We may use third-party services that process data on our behalf:

• Google Analytics (if analytics cookies consented) — for site usage data
• Email service provider — for programme communications
• Payment processor — for fee transactions (we do not store card details)

Our website may contain links to third-party sites. We are not responsible for the privacy practices of those sites.

9. Children's Privacy

Coinwise programmes are intended for adults aged 18 and above. We do not knowingly collect personal data from individuals under 18. If you believe a minor has submitted data via our website, please contact us promptly and we will delete it.

10. Policy Updates

We may update this policy from time to time. The "Last Updated" date at the top of this page indicates when changes were last made. Continued use of our website after updates constitutes acceptance of the revised policy. For significant changes, we will notify enrolled participants by email.

11. Contact & Data Enquiries