Privacy Policy

1. Who We Are

Savvient is a financial education provider based at 56 Jalan Merdeka, 83000 Batu Pahat, Johor, Malaysia. We provide structured educational programs on personal finance topics. We are the data controller in respect of personal information collected through this website and our enrollment processes.

For data-related enquiries, contact us at: [email protected]

2. Data We Collect

Information you provide directly

• Full name and contact details (email address, phone number)
• Enquiry content submitted through the contact form
• Program enrollment information (program selected, payment records)
• Feedback submitted after program completion

Information collected automatically

• Browser type, device information, and IP address
• Pages visited and time spent on this website
• Referral source (how you arrived at our site)
• Cookie data, subject to your consent preferences

3. Legal Basis for Processing

We process personal data on the following bases:

• Consent — where you have given clear consent (e.g. cookie preferences, marketing communications)
• Contract performance — where data processing is necessary to fulfill an enrollment or respond to a program enquiry
• Legitimate interests — to improve our programs and website based on usage data, where this does not override your privacy rights
• Legal obligation — where we are required by law to retain or process certain information

4. How We Use Your Data

• Responding to program enquiries and providing enrollment information
• Processing registrations and managing participant records
• Sending program-related communications (schedules, materials, updates)
• Issuing certificates of completion
• Improving program content and website experience through aggregate usage analysis
• Complying with applicable legal obligations

We do not use your personal data to make automated decisions that significantly affect you, and we do not engage in profiling for marketing purposes.

5. Data Sharing

We do not sell, rent, or trade your personal data to third parties. We may share data in the following limited circumstances:

• Service providers — including email delivery services and website hosting, who process data on our behalf under data processing agreements
• Guest facilitators — for Program 02, relevant participant information may be shared with banking sector facilitators solely for session logistics
• Analytics tools — aggregated, anonymised website usage data with analytics providers (subject to your cookie preferences)
• Legal requirements — where we are compelled to do so by Malaysian law or a valid legal order

6. Data Retention

We retain personal data for as long as is necessary for the purpose for which it was collected:

• Enquiry data not resulting in enrollment: 12 months from last contact
• Participant enrollment records: 7 years for financial and administrative records, in line with standard Malaysian business record requirements
• Certificate records: maintained indefinitely as proof of program completion
• Website analytics data: 26 months in aggregated form

7. Data Security

We implement appropriate technical and organisational measures to protect your personal data against unauthorised access, disclosure, alteration, or destruction. These include:

• Encrypted data transmission (HTTPS) on this website
• Access controls limiting data access to authorised staff only
• Regular review of data handling practices
• Secure deletion of data that is no longer required

In the event of a data breach that is likely to affect your rights or interests, we will notify you and the Personal Data Protection Commissioner as required under Malaysian law.

8. Cookies

This website uses cookies to improve functionality and understand how the site is used. You can manage your cookie preferences at any time through our Cookie Policy page. Essential cookies necessary for basic site functionality cannot be disabled.

9. Your Rights Under PDPA Malaysia

Under the Personal Data Protection Act 2010, you have the following rights in relation to your personal data held by Savvient:

• Right of access — you may request a copy of personal data we hold about you
• Right to correction — you may request that inaccurate or incomplete data be corrected
• Right to withdraw consent — where processing is based on consent, you may withdraw it at any time
• Right to limit processing — you may request that we restrict processing in certain circumstances
• Right to prevent processing for direct marketing — you may opt out of any marketing communications at any time

To exercise any of these rights, contact us at [email protected]. We will respond within 21 business days. Some requests may be subject to identity verification before we can fulfil them.

10. Third-Party Links

This website may contain links to external websites. We are not responsible for the privacy practices or content of those sites. We recommend reviewing the privacy policies of any external site you visit.

11. Children's Privacy

Savvient's programs are designed for adults aged 18 and above. We do not knowingly collect personal data from individuals under the age of 18. If you believe we have inadvertently received data from a minor, please contact us at [email protected] so we can delete it promptly.

12. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. When we make material changes, we will update the "Last Updated" date at the top of this page. Continued use of our website or services following an update constitutes your acceptance of the revised policy.

13. Contact Us

For any questions, requests, or concerns relating to this Privacy Policy or your personal data, please contact us:

• Email: [email protected]
• Phone: +60 7-4291 6583
• Address: 56 Jalan Merdeka, 83000 Batu Pahat, Johor, Malaysia