This Privacy Policy outlines how Tambadana or “We” or “us” collect, use, maintain and disclose your personal data in respect of the Services as defined in this Privacy Policy hereafter and how Tambadana. safeguards the Personal Data as defined in this Privacy Policy hereafter.

The User Consent

When you request information or sign up for our services or when you enter into any transactions with Tambadana you may be required to provide Tambadana with your personal data. In doing so, you consent to its use in accordance with this Privacy Policy. Your consent to this Privacy Policy shall include full and express consent to the actual or possibility of collecting, processing, cross-border transfer and storing of Personal Data, as defined in this Privacy Policy, when you sign up for, access, or use "https://www.tambadana.my">https://www.tambadana.my/, or mobile application, or by any other means (the “Website”), any of its features, processes, functions and its related services (collectively “Services”).

Scope of Use

This Privacy Policy informs you of our policies on your privacy rights regarding our collect, use, maintain and disclose of your information when you use the Website. This Privacy Policy applies to all information we process in connection with your relationship with us as a customer or potential customer.

Types of Personal Data

While using the Website, we may ask you to provide us with certain personally identifiable information that can be associated with you or that can be used to contact or identify you. Personal identifiable information refers to 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 the possession of Tambadana (“Personal Data”). The types of Personal Data we collect may include, but is not limited to your name, address, other contact details, age, occupation, marital status, financial information such as your income, or income tax particulars, your identity card or passport, place of birth, credit history and your transaction history. We may require photographs of your Personal Data, as may be applicable, during the application process or while the loan is still active, in order to verify all information you supplied to us. We shall reserve the right, with prior notice to you, to amend the type of Personal Data you may need to provide by adding new components or deleting existing components from our required identification procedure from time to time. Please note that if you use our Website or Services in place of other people, such as your family, friends or employees, you must ensure that you are authorized to provide us with their Personal Data. Use of the Website in this manner automatically presumes that you have obtained proper authorization from the owner(s) of the Personal Data and have informed said person(s) of this Privacy Policy. We shall not be held liable for the collection, use, storage, processing, disclosure of all Personal Data under this paragraph. If you choose not to provide us with any Personal Data we require from you, or if you withdraw your consent, at any time during your use of our Services, to the collection, use, maintenance and disclosure of any Personal Data, as defined in this Privacy Policy, we reserve the right to refuse your request for, or the continuation of, providing any of our Services.

How We Collect Your Personal Data

We obtain your Personal Data in various ways, such as:

When you sign up for our Services; and/or When you contact Tambadana through various methods such as application forms, emails and letters, telephone calls and conversations you have with Tambadana’s staff. If you contact us or we contact you using telephone, we may monitor or record the phone call for quality assurance, training and security purposes; and/or

From our analysis of your transactions (e.g. payment history or loan) and/or; We may also obtain your Personal Data when you participate in customer surveys or when you sign up for any of our Services; and/or When We obtain any data and information from third parties (e.g. credit reference agencies, regulatory and enforcement agencies, employers, joint account holders, guarantors, legal representatives, spouses, parents, guardians, dependents and/or companies/partnership that you hold directorships, shareholdings or partnership in); and/or From publicly available sources.

Personal Data that We Collect From Our Website (i) IP Address An IP address is a number that is automatically assigned to your computer when you signed up with an internet service provider. When you visit our website, your IP address is automatically logged in our server. We use your IP address to help diagnose problems with our server, and to administer our website. From your IP address, we may identify the general geographic area from which you are accessing our website. Generally, we do not link your IP address to anything that can enable us to identify you unless it is required by law and regulation. (ii) Information on Cookies A cookie is an element of data that a website can send to your browser, which may then store it on your system (“Cookies”). We may use Cookies or similar technologies on your computer or other device to record information. The information that we collect is then used to ensure a more personalized service level for our users. You can adjust settings on your browser so that you will be notified when you receive a cookie. Please refer to your browser documentation to check if Cookies have been enabled on your computer or to request not to receive Cookies. You are free to decline our Cookies on your computer or other device, unless our Cookies are required to prevent fraud or ensure the security of websites we control. However, use of the Website may be limited if you do not accept our Cookies.

What is the Purpose of Processing Your Personal Data?

The Personal Data we collect from you will be used to allow us to perform the Services requested from us. We may use your Personal Data to:

To assess your application for our Services; To facilitate your use of the Website’s Services, and/or access to the registration of your Website account, if any; To verify your identity and contact details; To verify your financial standing through credit reference checks; To process transactions and send notices about your transactions; To contact you and update you on the performance of our Services; To communicate with you and process your requests; To offer surveys, promotions, and marketing communications; To improve our Website content and layout; To improve our Services; To provide electronic funds transfer services, credit card account processing and related services; To contact supplied personal references to verify accuracy of information and coordinate as to the identity and personal circumstances of the client; To respond to any inquiries, comments, or concerns regarding our Services; To provide customer support; To collect delinquent accounts; To exercise of Tambadana legal rights for the protection of its interests; To evaluate your financial needs and to continue performing the contractual obligations entered into between the Tambadana and you; For internal functions such as evaluating the effectiveness of marketing, market research, statistical analysis and modelling, reporting, audit and risk management; To share any of your personal data with our joint venture/business partners to jointly develop products and/or services or launch marketing campaigns; To prevent fraud or detect crime or for the purpose of investigation; and/or Other specified and legitimate purposes determined and declared before, or as soon as reasonably practicable after collection of the Personal Data.

In addition, we may also use your Personal Data for the fulfilment of any regulatory requirements and for any other reasons connected with providing you the Services you require and fulfilment of any transactions entered into by you with Tambadana. If you use/used our Website or Services in place of any such person(s) including but not limited to your family members, friends and/or employees (“other data subjects”), you warrant that, to the extent required by the applicable law(s) and/or regulation(s), you have provided notice and have obtained consent from these other data subjects in relation to us processing of their Personal Data as described in this Privacy Policy (and will provide such notice or obtain such consent in advance of providing similar information in future). You further warrant that any such consent which has been granted by these other data subjects shall be for the period reasonably required for the realization of the relevant permitted purposes as described in the Privacy Policy. Please note that we shall not be held liable for the collection, use, storage, processing, disclosure of the Personal Data under this paragraph and all parties hereby acknowledge and agree that the aforementioned consent may not be required if such consent is not required under the Personal Data Protection Act 2010. Please take note that we do not share your Personal Data with any third parties for their business purposes, such as, including without limitation, marketing and advertising without your express consent and authorization.

Service Providers

We may employ third party companies and individuals to facilitate our Service, to provide the Service on our behalf, to perform services-related actions or to assist us in analyzing how our Service is used, or to assist us in the collection of delinquent accounts. These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose, use, or store your Personal Data for any other purpose.

Disclosure of Personal Data We may disclose your Personal Data with third-parties, which includes, but is not limited to the following entities: Affiliates and/or Members of the Tambadana corporate family, including Tambadana direct and indirect subsidiaries, to assist in providing the Services listed in the Website, to help detect and prevent potentially illegal acts and violations of our policies, and to provide proper data analytics on the use of the Website, including marketing communications;

Courts of Law, government officials, law enforcement, or other regulators in relation to a subpoena, court order, or other legal process or requirement under the law of Malaysia or regulation, when we need to do so and to the extent necessary to comply with such law or regulation, or when we believe, in our sole discretion, that the disclosure of Personal Data is necessary to prevent physical harm or financial loss, or to report suspected illegal activity or investigate violations of our terms and conditions; Credit bureaus and collection agencies to report account information, as permitted by law.

Customer support for customer service purposes; Banking or financial partners, as permitted by law or as required by the contractual business relationship; Legal department, to ensure compliance with government rules and regulations and to protect us against harm to the rights, property, or safety, the other users of the Website or the public, as required or permitted by law; Service Providers, to enable service providers under contract with us to support our business operations, such as fraud prevention, bill collection, marketing, customer service and technology services; in any of the cases stated above (i) ensuring such third party undertakes due degree of confidentiality regarding the Personal Data, and (ii) in compliance with effective applicable laws and regulations. Please note that some of these third parties may be located in other countries with different rules and regulations on processing personal information. By agreeing to this Privacy Policy, you acknowledge that your Personal Data can be transferred cross-border to other countries and you are consenting to such transfer including for storage purposes.

Special Notice - Minors

Use of the Website is not aimed at persons under 18 years old and we will not collect, use, provide or process in any other form any personal information of persons under the age of 18 deliberately. We therefore also ask you, if you are under 18 years old, please DO NOT send us your personal information (for example, your name, address and email address). If you are under 18 years old and you nevertheless wish to ask a question or use this Website in anyway which requires you to submit your personal information please get your parent or guardian to do so on your behalf.

Accuracy of Personal Data

If you would like to review, change or delete any Personal Data you have supplied us with, please contact us immediately using our contact information listed below.

Personal Data Storage

We will only retain your personal data for as long as necessary to fulfil the purpose(s) for which it was collected and/or to comply with legal, regulatory and internal requirements. Afterwards we will destruct or permanently delete your data in a secured manner and in accordance with applicable laws and regulations, after such Personal Data is no longer necessary and ceases to be relevant for our Services, unless applicable laws and regulations require otherwise, or unless the requested by the user in writing.

Security

Security of your Personal Data is our priority. Except as indicated in this Privacy Policy, we do not disclose your Personal Data to third parties without your express consent in writing. Further, we take all reasonable procedures and exert our best efforts to ensure all Personal Data received shall be kept confidential and secure, whether online or offline. We protect your Personal Data using a variety of technical and administrative security measures to reduce the risks of loss, misuse, unauthorized access, disclosure and alteration. We may use and amend from time to time various security measures, as new technology becomes available, as appropriate, such as firewalls and data encryption, access controls to data centers. If we disclose any of your Personal Data to our authorized agents or service providers, we will require them to appropriately safeguard the Personal Data provided to them.

Mobile Accessibility

We may offer you the ability to connect with our Services using a mobile device, either through a mobile application or via a mobile optimized website. The provisions of this Privacy Policy apply to all such mobile access and use of mobile devices.

User Confidentiality

To further secure the privacy of your Personal Data, we advise to keep your any account details confidential at all times.

External Links

The Website may contain links to other sites that are not operated by us. If you click on a third-party link, you will be redirected to that third party's site. We strongly advise you to review the respective privacy policy of every site you visit. We have no control over, and assume no responsibility for the content, privacy policies or practices of any third-party sites or services.

Access/ Correct / Update of Personal Data

We are committed to ensure that the Personal Data we hold about you is accurate, complete, not misleading and up-to-date. If there are any changes to your Personal Data or if you believe that the Personal Data, we have about you is inaccurate, incomplete, misleading or not up-to-date, please contact us so that we may take steps to update your Personal Data. You have the right to access your Personal Data. If you would like to request access to your Personal Data, please contact us. Please note that depending on the information requested we may charge a small fee. We may also take steps to verify your identity before fulfilling your request for access to your Personal Data.

Privacy Policy Updates

Please note that we may update our Privacy Policy from time to time. We may amend this Privacy Policy at any time by posting a revised version on the Website. You are advised to review this Privacy Policy periodically for the latest information. Changes to this Privacy Policy are effective from the date of posting. If there are material changes to this Privacy Policy, we will notify you by posting a notice of such changes on our Website or by sending you a notification directly. By continuing to use our Services, you accept and consent to the updated terms of this Privacy Policy.

Inquiries and Complaints

If you believe your account or any of your Personal Data may have been misused or abused, or if you believe that the security and protection of your respective Personal Data may have been compromised, you may lodge your inquiries and complaints to the Contact Information below and briefly discuss such matter, together with your contact details for reference.

Contact Information

Accordingly, if you have questions or concerns regarding this Privacy Policy, or if you want to inquire or request for information regarding any matter relating to the processing of your respective Personal Data, you can contact us through the following information: Email: [email protected] Contact Number: 1300 22 3333 Address: B-18-3A, Tower B, Vertical Business Suites, No.8, Jalan Kerinchi, 59200 Kuala Lumpur.

Dispute Resolution and Submission of Claims

Tambadana hopes to resolve any dispute in a friendly manner and expects the data subject to initially address the Tambadana if you consider that the processing does not comply with the applicable privacy laws. However, you are entitled to submit a complaint to the Data Protection Regulatory Authority of Malaysia if he/she considers that the processing carried out by Tambadana is in contradiction with the privacy laws.

If you believe that any of your Personal Data may have been misused or abused or otherwise compromised, or if you wish to withdraw your consent for processing of your Personal Data, you may lodge your inquiries and complaints to Tambadana in accordance with the contact details as outlined above and discuss such matter, together with your contact details for reference. All such complaints will be resolved within thirty (30) calendar days.

Filing such complaints shall not affect the lawfulness of any processing carried out before you withdraw your consent.