Privacy Policy

We only collect personal data that we genuinely need in order to provide our services to you, and we collect it by fair and lawful means, with your knowledge and consent. Depending on how you use our services, this may include:

• Identity and contact details, such as your name, email address, and telephone number.
• Financial information you choose to provide in the questionnaire, such as assets, liabilities, income, expenses, insurance coverage, and estate arrangements, used solely to generate your Blueprint.
• Transaction details, such as the services you purchase and records of your payments.
• Technical and usage data, such as your device, browser type, and how you interact with our website.

We use your personal data only for the purposes for which it was collected, which include:

• Generating your EZFinancial Blueprint and delivering the reports, coaching, or workshops you have purchased.
• Processing your payments and maintaining transaction records.
• Communicating with you about your account, purchases, and support requests.
• Improving the quality, security, and functionality of our services.
• Meeting our legal and regulatory obligations.

We will let you know if we intend to use your personal data for a purpose materially different from those described here, and we will seek your consent where the law requires it.

By providing your personal data and using our services, you consent to its collection, use, and disclosure as described in this Policy. Where we rely on your consent, you may withdraw it at any time by contacting us, on the understanding that we may then be unable to provide some or all of our services to you.

We do not sell your personal data to anyone. We may share it only in the following limited circumstances:

• With our technology provider, who supplies the underlying platform on which the EZFinancial Blueprint system operates, strictly for the purpose of delivering the service to you.
• With our payment service provider, in order to process your payments securely.
• Where we are required to do so by law, regulation, or a valid order of a competent authority.

Any third party that processes personal data on our behalf is required to keep it confidential and to use it only for the specific service we have engaged them to perform.

We retain your personal data only for as long as necessary to fulfil the purposes for which it was collected, including any period required to meet our legal, accounting, or regulatory obligations. When your data is no longer needed, we will take reasonable steps to securely delete or anonymise it.

We maintain reasonable physical, technical, and organisational safeguards designed to protect your personal data against loss, misuse, and unauthorised access, disclosure, or alteration. While we take these measures seriously, no method of transmission or storage over the internet is completely secure, and we cannot guarantee absolute security.

Under the Personal Data Protection Act 2010, you have the right to:

• Request access to the personal data we hold about you.
• Request correction of personal data that is inaccurate, incomplete, or out of date.
• Withdraw your consent to our processing of your personal data.
• Limit the processing of your personal data in certain circumstances.

To exercise any of these rights, please contact us using the details in the Contact section below. We may need to verify your identity before acting on your request.

Our website may use cookies and similar technologies to keep the site functioning properly, remember your preferences, and understand how visitors use the site so that we can improve it.

We may use a third-party analytics service, currently [analytics tool to be confirmed], to collect aggregated, non-identifying information about website traffic and usage. You can control or disable cookies through your browser settings, though some parts of the site may not function as intended if you do.

Our website and services may contain links to external sites that we do not operate. We have no control over the content and practices of those sites and cannot accept responsibility for their privacy policies. We encourage you to review the privacy policy of any external site you visit.

Our services are intended for adults. We do not knowingly collect personal data from individuals under the age of 18. If you believe we may have unknowingly collected such information, please contact us and we will take reasonable steps to delete it.

We may update this Privacy Policy from time to time to reflect changes in our practices or legal obligations. The date of the most recent revision is shown at the top of this page. Your continued use of our services after any change constitutes acceptance of the revised Policy.

If you have questions about this Privacy Policy, or wish to exercise your rights under the PDPA, please contact EmzekDotCom, a division of Emzek Sdn Bhd, at [contact email to be confirmed], or by post to B90, Aras 2, Fasa 2, Sri Dagangan, Jalan Tun Ismail, 25000 Kuantan, Pahang.