1. Introduction

AVEX CREDIT (M) SDN. BHD. (Company No. 1144483-T) (“we” or “our” or “us” or “the Company“) we take your privacy and the security of your information very seriously.

This Privacy Policy (“Policy”) covers the website – []– owned by the Company (“the Website”).

This Privacy Policy governs your use of any of the services, functions or features provided by the Company. Unless otherwise defined herein, capitalized terms shall have the meaning assigned to such terms in the Terms and Conditions. This Privacy Policy is written in the English and Chinese languages. In the event of any inconsistency or conflict between the English and Chinese versions, the English version shall prevail.

The Policy describes the types of information we gather from all visitors of the Website (“you” or “your”) interacting and exploring the Website, and how we use, transfer, and secure such information. By using any of the services, functions or features provided by the Company, either itself or through its affiliates, via the Website, you agree to be bound by this Policy. If you do not agree to the terms of this Policy, you are not authorized to use the Website. Each time you browse or explore the Website, the current version of this Policy will apply. Accordingly, you should check the date of this Policy (which appears at the top) and review any changes of the Policy from time to time.

2. Terms

For the purposes of this Privacy Policy, the terms have the following meaning:

  • ‘consent’ of the data subject means any freely given, specific, informed and unambiguous indication of the data subject’s wishes by which he or she, by a statement or by a clear affirmative action, signifies agreement to the processing of personal data relating to him or her;
  • ‘personal data’ means any information relating to an identified or identifiable natural person (“data subject”); an identifiable natural person is one who can be identified, directly or indirectly, in particular by reference to an identifier such as a name, an identification number, contact details which include contact number and e-mail address, income particulars, location data, an online identifier or to one or more factors specific to the physical, physiological, genetic, mental, economic, cultural or social identity of that natural person;
  • ‘personal data breach’ means a breach of security leading to the accidental or unlawful destruction, loss, alteration, unauthorized disclosure of, or access to, personal data transmitted, stored or otherwise processed;
  • ‘processing’ means any operation or set of operations which is performed on personal data or on sets of personal data, whether or not by automated means, such as collection, recording, organization, structuring, storage, adaptation or alteration, retrieval, consultation, use, disclosure by transmission, dissemination or otherwise making available, alignment or combination, restriction, erasure or destruction.

3. Types of Data We Collect

We may collect two types of data from you: “Data provided by you” which is information used in order to process your interest as declared by you through the Website and “Additional data we receive about you” which is data that is generated from using our Website, which data we store and process.

  • Data provided by you:

We collect data you voluntarily provide to us when you interact, browse or explore the Website and any other social media accounts or channels which the accounts registered under the Company.

  • Additional data we receive about you:

Additional data may be collected when you interact, browse or explore the Website independent of any information you voluntarily enter.

  • Log information:

When you interact, browse or explore the Website, some data is automatically collected. Such data could include your computer’s Internet Protocol (“IP”) address (a number that provides an address for your computer), operating system, type and language, device identifier numbers, and the time and date of your use.

  • Analytics information:

We use our own internal and third-party solutions to gather and aggregate analytical data in order to improve the performance, marketing efforts and quality of our services.

4. Legal basis for processing the data (Lawfulness of processing)

You shall take note that, all the activities may be monitored and recorded. Anyone interact, browse or explore our Website expressly consents to such monitoring and recording.

You agree and give your explicit consent to the Company so the latter can request, collect, use, administrate and operate your personal data for the purpose of providing our services in accordance with Company’s policies and Company’s applicable laws and regulations. We collect, process, transfer and store personal data solely in connection to your consent and to the legitimate interest arising from the relationship between you and us and in connection.

Processing is necessary for the performance of a contract to which you are party or in order to take steps at the request of you prior to entering into a contract;

Processing is necessary in order to protect the vital interests of the data subject or of another natural person;

Processing is necessary for compliance with a legal obligation to which the controller is subject;

In case we intend to use your personal data for a purpose other than the initial one you have agreed to, we shall provide the data subjects with prior to the actions information and We shall not use the data without your explicit consent, regarding the new purpose.

5. Purposes for data collection

Your data is collected in order to:

  • Operate and maintain your request including accounting, information system management, system testing, maintenance and development, operational, support, customer surveys, customer relations.
  • Optimize our marketing efforts.
  • Send you information about new Service and newsletters.
  • Monitor the usage of our Service and analyze emerging trends.
  • With your consent, provide you with personalized ads if the Website supports them.
  • Protect your vital interests and those of others.
  • For any other purposes that is required or permitted by any law, regulations, guidelines and / or relevant regulatory authorities.

6. Your rights

You have the right to:

  • Request from us access to the personal data that we hold about you in a portable format.
  • Request from us correction of any collected personal data. The information may include only the subject of your personal data collection.
  • Receive a copy of your personal data in electronic format.
  • “The right to be forgotten”- you have the right to request the deletion of your personal data at any time where the retention of such data infringes relevant legislation.
  • Receive information from Us about Our activities in connection to your personal data, including the purposes of collection and storage, the period of time for storage, the methods of collecting, the presence of automated processing.
  • Receive your data and transfer them to another administrator.
  • Request from us to restrict processing.
  • Object to processing on any compelling legitimate grounds, to the processing of personal data, where the basis for that processing is either: public interest; or legitimate interests of the controller.
  • Object to processing for the purposes of direct marketing
  • Lodge a complaint with a supervisory authority if you consider that there is personal data breach.

7. Exercising Your Rights

To exercise your rights you can always contact us by sending email at [] to us.

8. Sharing of Personal Information with Third Parties

We may disclose your personal information to third parties for the purpose stated above. We may disclose personal information to companies and / or organizations that act as our agents, contractors, service providers and / or professional advisors. These third party are not authorized to retain, share, store or use the personal information for any purposes other than to provide the services they have been hired to provide. We do not sell trade or otherwise share personal information with third parties for the marketing purposes of the third party.

We may also elect to transfer your personal information to third parties such as law enforcement agencies and government agencies under special circumstances:

(i)         to comply with a legal requirement, judicial proceeding, court order, or legal process served on us or its affiliates,

(ii)        to investigate a possible crime, such as fraud or identity theft;

(iii)       in connection with the sale, purchase, merger, reorganization, liquidation or dissolution of the Company;

(iv)       when we believe it is necessary to protect the rights, property, or safety of us or other persons, or

(v)        as otherwise required or permitted by law, including any contractual obligations of us.

9. Cookies

Our Website may use a feature known as cookies which is a small data file stored in your computer by the Web Browser. Cookies will help us view how you navigate our Website and identify you when you re-access it. Over and above, cookies primarily help us to improve our website, enhance our customer relations, personalise offers to you based on your needs and preferences.

Cookies cannot be used to retrieve data from other cookies which was created by Websites other than ours. Most importantly, cookies will not be able to read data stored in your computer hard drive.

You are able to reset your Web Browser to refuse cookies or to highlight when a cookie is being sent to you. However, some features of our Website may not function properly if the ability to accept cookies is disabled.

10. Children and Privacy

Our Website is not directed towards children, and you may not use our Website if you are under the age of 18.

11. Time period for personal data storage

We retain your data for as long it is needed by our Company in providing to you with our services.

We may hold on to your data for extended periods of time in order to comply with laws, legal requests, governmental investigations, or investigations of possible violations of our terms and policies, or otherwise prevent harm.

12. How Do We Protect Your Information

We take the security of your personal data very seriously. We use reasonable administrative, physical, and technical safeguards to secure the personal data you share with us.

The security of your use of Website relies on your protection of your electronic device. You may not share your instance of the electronic device with anyone. If you believe that an unauthorized access to your instance of the electronic device has occurred, please report it immediately at []. You must promptly notify us if you become aware that any information provided by or submitted to your electronic device is lost, stolen, or used without permission.

13. Modification of Policy

Each time you access our Website, the current version of the Policy will apply. Accordingly, you should check the Policy from time to time and review any changes since the last version. This Policy is accessible within our Website at Privacy Policy and available at []. Unless stated otherwise, our current Policy applies to all information that we have about you.

14. Breach measures

In case of personal data breach, we will undertake every possible action in an appropriate and timely manner, to avoid any material or non-material damage to the data subjects. Breaches in the security may include identity theft, identity fraud, limitation of rights, loss of confidentiality of personal data, etc. As soon as the controller becomes aware of the breach, you and the competent authorities will be notified immediately.

15 .Contact Us

To contact us with your questions or comments regarding this Policy or the information collection and dissemination practices of us relevant to your use of the Services, please email us at [].