This Personal Data Protection and Privacy Notice (“Notice”) is issued by MWMC Wealth Planners, which comprises two legal entities:

• Mutual Wealth Management Consultant
• MWMC Advisory

(Hereinafter collectively referred to as “MWMC Wealth Planners,” “we,” “our,” or “us”), in compliance with the Personal Data Protection Act 2010 (PDPA) of Malaysia, we are committed to protecting your personal data and ensuring that it is used only in a lawful, transparent, and responsible manner.

By interacting with us, using our services, visiting our website, or submitting your personal data to us, you are deemed to have read, understood, and agreed to be bound by this Notice.

1. Definition of Personal Data

“Personal Data” means any information that relates directly or indirectly to an individual, who is identified or identifiable from that information or from that and other information in our possession.

This may include, but is not limited to:

• Name, identification number (NRIC/passport), nationality
• Date of birth, gender, marital status
• Contact details (email address, phone number, mailing address)
• Financial or income-related information
• Employment details
• Medical or health records (if applicable to insurance/wealth planning)
• Signature, photographs, audio/video recordings
• Any other information you voluntarily provide to us

2. Collection of Personal Data

We may collect your personal data directly or indirectly through:

• Online forms on our website or landing pages
• Phone calls, emails, or WhatsApp/Telegram messages
• Social media platforms, campaigns, or events
• Referral by third parties or business affiliates
• Application, subscription, or inquiry about our services

3. Purpose of Data Processing

Your personal data is collected and processed for the following purposes:

• To verify your identity and contact information
• To provide financial, insurance, or estate planning consultation
• To prepare and submit quotations, proposals, or applications to financial/insurance institutions
• To communicate with you about products, updates, and client servicing matters
• To invite you to webinars, workshops, or networking events
• To comply with legal, regulatory, or compliance requirements
• For internal analysis, data monitoring, and business development
• For marketing, loyalty, and promotional communications (with your consent)
• For audit, risk assessment, dispute resolution, and fraud prevention

4. Disclosure of Personal Data

We may disclose your personal data to the following categories of third parties, where necessary:

• Licensed insurance companies or financial institutions
• Regulatory bodies or authorities (e.g., Bank Negara Malaysia, LHDN)
• Auditors, lawyers, accountants, and professional advisors
• Service providers engaged by us (e.g., IT support, CRM vendors, cloud storage)
• Affiliates, partners, or subsidiaries under confidentiality agreements
• Internal sharing across Mutual Wealth Management Consultant and MWMC Advisory for service continuity, compliance, and client management.
• Any party to whom disclosure is required by law, subpoena, or court order

We shall ensure that these parties only use your data for the intended purposes and are bound by appropriate confidentiality obligations.

5. Data Retention

Your personal data will be stored only as long as necessary to fulfill the purposes stated in this Notice or to comply with legal and regulatory requirements.

Once data is no longer needed, we will securely delete, anonymize, or archive it in accordance with our internal retention policy.

6. Security of Personal Data

We implement appropriate technical and organizational security measures to:

• Safeguard your data from unauthorized access, misuse, or disclosure
• Protect against loss, damage, alteration, or destruction
• Regularly audit our systems and educate our staff on data protection

No method of transmission or storage is fully secure. While we strive to protect your personal data, we cannot guarantee its absolute security.

7. Transfer of Personal Data Outside Malaysia

Where necessary, your personal data may be transferred to entities outside of Malaysia (e.g., cloud servers or service providers), provided that:

• Such transfer is compliant with PDPA requirements, and
• Reasonable steps are taken to ensure that your data remains protected and secure

8. Marketing and Promotional Use

We may, from time to time, contact you with information about our services, educational materials, financial literacy programs, or upcoming events.

You may opt-out of receiving such marketing messages at any time by:

• Clicking the “unsubscribe” link in our email
• Informing us via email or WhatsApp

9. Your Rights

Under the PDPA, you have the right to:

• Access your personal data held by us
• Request correction or update of inaccurate or outdated data
• Withdraw your consent for us to process your personal data (in full or in part)
• Object to certain types of processing
• Request deletion of data (subject to legal obligations)

To exercise any of these rights, please write to our Data Protection Officer (see Section 12). We may charge an administrative fee for access requests.

10. Consent to the Processing of Personal Data

By providing your personal data to us, you consent to the collection, use, processing, storage, disclosure, and transfer of your data as described in this Notice.

If you provide us with data relating to another person (e.g., spouse, children, nominee, or business partner), you confirm that you have:

• Informed them about this Notice, and
• Obtained their consent to provide their personal data to us

If you do not consent to the processing of your personal data, please do not submit your data or contact us to withdraw your consent.

11. Cookies and Website Usage

Our website may use cookies and similar tracking tools to improve functionality, performance, and personalization. You may adjust your browser settings to disable cookies, but this may affect certain features on the site.

We are not responsible for the privacy practices of third-party websites linked from our website.

12. Contact Us

If you have any questions, concerns, complaints, or wish to exercise your rights regarding your personal data, please contact us:

Data Protection Officer

Name: Jayden Lim

Address: 02-08, Jalan Austin Perdana 2/23, Taman Austin Perdana, 81100 JB.

Phone: +6011-57873322
Email: jaydenlim@mwmc.com.my

13. Updates to this Notice

We reserve the right to modify, update, or revise this Notice from time to time. Any material changes will be posted on our website or communicated to you through appropriate channels.

Your continued use of our services or interaction with us after such updates constitutes your acceptance of the revised Notice.