Privacy Policy


    1. Finalyst Sdn. Bhd. (Registration No.: 202001033266 (1389587-H)) and its group of companies (collectively, “we”, “us” or “our”) care about your privacy. We are committed to maintaining your trust by protecting your personal data.

    2. We are in the business of providing individuals and corporations with access to a variety of digital resources, including but not limited to, digital documents and a variety of software which are available at

    3. This privacy policy (“Privacy Policy”) sets out how we collect, process, manage, use, disclose and protect personal data belonging to our users and other persons (collectively, “you”) who access or use the Platform and/or the Services (as defined in Clause 2.2 below), any of our websites, our mobile applications, our web client or professional client, and/or any of our other sites, products or services that link to this Privacy Policy. By using the Platform and/or Services, you agree and consent for us to collect, process, manage, use, disclose and protect your personal data in the manner as described in this Privacy Policy.

    4. This Privacy Policy is issued in accordance with the Personal Data Protection Act 2010, as amended or modified from time to time (“PDPA”), and it will enable you to understand the following:

      1. the personal data that we collect and process;

      2. the sources that we collect your personal data;

      3. the purposes of collecting your personal data;

      4. to which third parties and under what circumstances we will disclose your personal data;

      5. our obligations and your obligations under this Privacy Policy;

      6. the storage and retention of your personal data;

      7. your rights in respect of your personal data; and

      8. what you can do if there are any changes, questions or complaints about your personal data.

    5. By accessing or using the Platform and/or the Services, you acknowledge that you have read and understood this Privacy Policy and you hereby consent to the collection, use, processing, disclosure and/or transfer of your personal data by us in accordance with this Privacy Policy.

    6. Please read this Privacy Policy carefully to understand how we are committed to protecting the privacy, confidentiality and security of your personal data.


    1. Unless otherwise stated, the words and expressions used in this Privacy Policy shall bear the same meaning as defined in the PDPA, including but not limited to the following:

      “data processor” in relation to personal data, means any person, other than an employee of the data user, who processes the personal data solely on behalf of the data user, and does not process the personal data for any of his own purposes;

      “data subject” means an individual who is the subject of the personal data;

      “data user” means a person who either alone or jointly or in common with other persons processes any personal data or has control over or authorizes the processing of any personal data, but does not include a data processor;

      “personal data” means any information in respect of commercial transactions, which –

      1. is being processed wholly or partly by means of equipment operating automatically in response to instructions given for that purpose;
      2. is recorded with the intention that it should wholly or partly be processed by means of such equipment; or
      3. is recorded as part of a relevant filing system or with the intention that it should form part of a relevant filing system,

      that relates directly or indirectly to a data subject, who is identified or identifiable from that information or from that and other information in the possession of the data user, including any sensitive personal data and expression of opinion about the data subject; but does not include any information that is processed for the purpose of a credit reporting business on by a credit reporting agency under the Credit Reporting Agencies Act 2010; and

      “sensitive personal data” means any personal data consisting of information as to the physical or mental health condition of a data subject, his political opinions, his religious beliefs or other beliefs of a similar nature, the commission or alleged commission by him of any offence or any other personal data as the Minister may determine by order published in the Gazette.

    2. For the purpose of this Privacy Policy, unless the subject or context otherwise requires, the following words and expressions shall have the following meanings:

      “Laws” means any law, rule, regulation, by-law, order, guideline, directive and policy enforced by the government authorities, including such other international and local laws and requirements in force and as amended from time to time relating to any commercial transaction and/or relating to the conduct of our business or activities; an

      “Services” means any and all of our services of providing individuals and corporations with access to a variety of digital resources, including but not limited to, digital documents and a variety of software


    1. The personal data we collect and process about you may include, but not limited to:

      1. your identification details including but not limited to your full name, age, date of birth, identity card number or passport number;

      2. your residential address and/or correspondence address (which may include office address);

      3. your contact information (e.g. email address, mobile number or fax number);

      4. details of your occupation;

      5. credit-related information and transaction history;

      6. your financial information, including but not limited to, information relating to your income, expenses, investments, taxation and etc.;

      7. records of our communications with you, including any messages and/or emails you send to us;

      8. your account details (including your user ID and password);

      9. usage and transaction data on the Platform including but not limited to the details about your searches, your number of visits and your average time spent on the Platform;

      10. information sent by or associated with the device(s) used to access the Platform;

      11. your Internet browser information (e.g. IP address, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform, and other technology on the devices you use to access the Platform);

      12. any other information which may be provided by you; and/or

      13. any other information as may be required by us from time to time for the purposes specified in Clause 5.1 of this Privacy Policy.


    1. Please be informed that we may obtain your personal data from you and from other sources, including but not limited to:

      1. your relationship with us, including without limitation:

        1. information provided by you when you register for an account with us;

        2. information provided by you in any enquiry forms or customer surveys (if applicable);

        3. when you access or use the Platform and/or the Services; or

        4. when you communicate with us through phone calls, email and/or other correspondence methods;

      2. any interactions between you and us through:

        1. the Platform;

        2. our social media pages; and

        3. our chat applications (if applicable);

      3. our media launches which you may have been invited to or participated in our campaigns, competitions, activities and/or promotions where you are required to provide personal data about yourself and/or other parties (e.g. your family members and work colleagues);

      4. third parties connected to you, such as your family members, employees, joint account holders, guarantors and such other persons (subject to your prior consent for them to disclose information relating to you);

      5. third parties including marketers, partners, researchers, affiliates, service providers, financial advisors, insurance agents and other parties where they are legally allowed to share your personal data with us; and/or

      6. by using Cookies (as defined in Clause 12.1 below), the details of which are set out in Clause 12 of this Privacy Policy.


    1. You hereby acknowledge, confirm and consent that we are authorised to collect and process your personal data, for any of the following purposes:

      1. Verification

        1. to verify your identity and any and all information provided by you; and

        2. to verify and confirm qualifications for soliciting or concluding any agreements that may be entered into between you and us.

      2. Facilitation of Agreements

        1. to facilitate the agreements to be entered into or have been entered into with us;

        2. to manage the due dates of such agreements, to confirm the status of performance, and to conduct other matters necessary for the appropriate and smooth performance and management of such agreements;

        3. to facilitate communications between you and us in respect of such agreements;

        4. to facilitate preparation of agreements by our legal and professional advisors;

        5. to ensure proper execution and performance of an agreement entered into by us with a third party (including but not limited to our partners or merchants) in connection with any transactions;

        6. for provision of information to relevant authorities and service providers in particular (but not limited to) for the purpose of facilitating the provision of utilities and the Services or as otherwise required or permitted by the applicable Laws;

        7. for notification (and convening of) meetings, invoices and other documents as the applicable Laws may require or permit;

        8. to transfer or assign our rights, interests and obligations under any of the agreements between you and us; and

        9. to protect or enforce our rights to recover any debt owing to us (if applicable).

      3. Services and Support

        1. to exercise our rights and/or fulfil our obligations under any agreements which we have entered into with you or under the applicable Laws;

        2. to respond and follow up on any queries, complaints or requests by you;

        3. to be used in, to provide and/or to improve the Services provided by us, analyse customers’ choices, conduct market surveys, processing invoices and payments;

        4. to provide personalised feedback to you in order to maintain, enhance and support the relationship between you and us; and

        5. we use Cookies to enhance our processes, advertising, notifications, authentication, security and compliance, analytic and preference management (details of usage are specified in Clause 12 of this Privacy Policy).

      4. Marketing

        1. to contact and provide you information regarding our various products and Services which may be of interest to you;

        2. to contact and provide you information regarding our and our business partners’ offers which include offers of products, new services, new launches, upcoming events, promotions, advertising, marketing and commercial materials and such other information as may be determined by us to be of interest to you (via emails, text messages or other communication methods);

        3. to conduct marketing surveys and questionnaires,

        4. to conduct research and development of products and services; and

        5. to process your participation in such offers and other marketing events.

      5. Compliance with Laws and Regulations

        1. to comply with our obligations, compliance requirements and disclosure requirements under the applicable Laws;

        2. for audit, compliance and risk management purposes;

        3. to assess financial and insurance risks;

        4. to detect, investigate and prevent fraudulent transactions or unauthorised or illegal activities; and

        5. for prevention of crimes, bribery, fraud and money laundering.

      6. Internal Records and Technical Issues:

        1. for our internal record keeping in the ordinary course of business;

        2. to maintain, update, consolidate and improve the accuracy of our database records;

        3. to produce data, reports and statistics which have been anonymised or aggregated in a manner that does not identify you as an individual;

        4. to conduct research for analytical purposes but not limited to data mining and analysis of your transactions with us; and

        5. to detect, prevent and address technical issues.

    2. In connection with the purposes set out in Clause 5.1 above, you hereby give permission for us to disclose your personal data, to the relevant authorities, our successors-in-interest, sponsors, advertisers, lawyers, insurers, adjusters, other advisors, suppliers, contractors and/or service providers, partners and other carefully selected third parties in accordance to Clause 6 of this Privacy Policy.


    1. We do not sell any of your personal data to any party whatsoever. However, we may use third-party service provider to help us to operate the Services or administer activities on our behalf. For these reasons, we reserve the right to disclose your personal data to carefully selected third parties set out as follows:

      1. on a need-to-know basis, to:

        1. our subsidiaries, related and associated companies;

        2. our parent company including its subsidiaries, associated and related companies; and

        3. our affiliates including our business partners (some of whom may be outside Malaysia and undertake administrative, management and operational functions for or on behalf of us in respect of or arising from any commercial transaction or to support sales, marketing, promotion and/or advertising efforts);

      2. companies and/or organisations who assist us including but not limited to our successors-in-interest, sponsors, advertisers, suppliers, contractors, payment gateway service providers (if applicable) and other third-party service and/or product providers;

      3. companies and/or organisations who act as our strategic partners which include parties that we collaborate with for certain events, programmes, activities or to provide any services and/or products;

      4. companies and/or organisations who assist us in providing you value-added services and/or products as may be requested by you;

      5. our legal and professional advisors including but not limited to our lawyers, insurers, adjusters, accountants and/or financial advisors authorised by us;

      6. your legal and professional advisors including but not limited to your lawyers, insurers, adjusters, accountants and/or financial advisors authorised by you;

      7. any person authorised by you;

      8. any rating agency, insurer, insurance broker and/or direct or indirect provider of credit protection;

      9. any financial institutions, merchants VISA International Services Association, MasterCard International Incorporated and/or other card associations in relation to any credit card and/or debit card issued to and used by you;

      10. any person connected to the enforcement or preservatin of any of our rights under the agreements between you and us;

      11. relevant government entities or departments, agencies, statutory authorities and/or industry regulations authorities in connection with any investigation or enquiries;

      12. fraud and crime prevention agencies for the purposes of assessing the risk of crime, fraud and money laundering (this forms a condition of us entering into any agreement with you);

      13. our marketing, research, and communications agencies;

      14. the regulatory authorities and government agencies, where applicable; and/or

      15. other parties where required by the applicable Laws.

    2. In the event of a sale of business, disposal, acquisition, merger, joint venture, debt financing, reorganisation, insolvency, bankruptcy or receivership involving us or our assets to another third party, your personal data may be required to be disclosed and/or transferred to the third party as part of our business assets. You acknowledge and authorise us to release your personal data to the third party including its advisors and representatives, and that the other party has your consent and will be authorised to process such personal data.

    3. Clauses 6.1 and 6.2 above shall, at all times, be subject to the compliance of relevant Laws applicable to us and our business in all jurisdictions.

    4. If your personal data is processed by any of the aforesaid third parties, we will request for such third party to adhere to our standards and all applicable Laws but we bear no responsibilities and shall not be liable for any losses, damages, claims, costs and expenses of whatever nature resulted from and/or in connection to the non-compliance by such third party.

    5. Except as set out above, we will never sell, distribute or disclose any of your personal data (except anonymous aggregate information) to any third party without your express consent.


    1. By accessing or using the Platform and/or the Services, you are deemed to have consented for us to contact you via phone calls, text messages, emails and/or other electronic methods in future by using the data provided by you.

    2. The consent, as specified in Clause 7.1 above, shall include consent to receive pictures, videos, online messages and/or emails about our, our business partners’, strategic partners’, sponsors’ or advertisers’ products, services, promotions, special offers, events and/or activities that may be of interest to you.

    3. For the avoidance of doubt, you acknowledge and consent to us sharing anonymised information such as but not limited to in the following circumstances:

      1. Aggregated Information – We may conduct joint data analytics projects with selected third-party providers using anonymised information to predict user interests and provide users with more targeted and/or relevant information based on aggregated information about that user’s activities outside the Platform.

      2. Behavioural-based Advertising – We may collaborate with selected third parties using anonymised information to derive certain models that would facilitate more accurate advertising to selected users.

    4. You may elect to opt out from receiving any newsletters, updates, promotional materials, festive greetings (if applicable) or other communications, in part or in whole, for general purposes or for marketing purposes set out in this Clause 7, by following the “unsubscribe” links or instructions within the email we send you at any time. In any event, your latest written instructions to us will prevail.


    1. Other than those set out in Clauses 6 and 7 above, we will treat your personal data as private and confidential and will not disclose your personal data to any third party unless any of the following events arises:

      1. you have given us prior permission to disclose your personal data;

      2. we are required or permitted to do so under the applicable Laws;

      3. we are required to fulfil our obligations as specified in this Privacy Policy;

      4. we are required or authorised by any order of court, tribunal or authority, whether governmental or quasi-governmental or requests from law enforcement or any other government agencies with jurisdiction over us; and/or

      5. we are required to transfer rights and obligations under this Privacy Policy.

    2. If there are any complaints or enquiries with regard to the disclosure of your personal data to any third party under this Privacy Policy, particularly the disclosures set out in Clauses 6 and 7 above and this Clause 8, you may contact us at the addresses specified in Clause 17 of this Privacy Policy.


    1. Our Obligations

      1. The security of your information is our priority. We will keep, protect and process your personal data in a secure manner by maintaining physical, electronic and procedural safeguards, in compliance with the applicable Laws and regulations.

      2. We will ensure that the access of our employees to the personal data which you have provided to us is limited to authorised employees who are trained in handling your information. These authorised personnel are required to ensure the confidentiality of your information and to respect your privacy at all times.

    2. Your Obligations

      1. In order for you to access or use the Platform and/or the Services, it is obligatory for you to provide us with complete and accurate personal data and keep us updated on your personal data, failing which we may not be able to process your personal data to fulfil the purposes in Clause 5.1 above.

      2. In the event that you need to provide any personal data for or on behalf of such other persons, or you represent such organisations or companies, you covenant that:

        1. you have obtained consent from such other persons and necessary authorisation from such persons, organisations or companies that the personal data is given voluntarily, accurately and complete;

        2. you are authorised to receive any privacy notice and other related information on his/its behalf; and

        3. you have been given consent and/or authorisation to transfer his/its personal data abroad,

        failing which you shall indemnify and keep us fully indemnified against any claims from such other persons or organisations or companies.

      3. If there are any changes to your personal data, you hereby acknowledge that you have the obligation to inform us immediately, in any event not more than seven (7) calendar days after such changes arise. You shall send us a written notice (by mail or email) in respect of such changes, in which we will update your personal data within twenty-one (21) calendar days upon receipt of your written notice.

      4. Without contrary to Clause 9.2.3 above, if you do not wish for any part of your personal data to be used by us for any of the purposes set out in this Privacy Policy, you are required to notify us immediately via phone calls or you may email us at the email address specified in Clause 17 of this Privacy Policy.

    3. Incomplete Personal Data

      1. Where the personal data is requested for the purposes in Clause 5.1 above, you, or any such other persons or organisations or the companies represented by you have the option not to provide additional personal data requested by us other than the information which we have indicated as necessary to facilitate any commercial transaction. If the personal data provided by you is incomplete, we will not be able to process your personal data for the purposes outlined in this Privacy Policy and may not be able to offer the Services and/or to fulfil your request (if applicable).


    1. Your personal data may be stored either:

      1. hard copies in our offices;

      2. soft copies stored in servers located in Malaysia; or

      3. other information technology storage facilities and servers situated in other countries outside Malaysia as some of our digital storage facilities, servers, and service providers may be located in such other places.

    2. In the event that your personal data is transferred out of Malaysia to third parties in a jurisdiction other than Malaysia, please note that these third-party entities may be established in countries that might not offer the same level of data protection offered in Malaysia. You hereby expressly consent to and authorise us to transfer your personal data outside of Malaysia for the purposes stated in Clause 5.1.

    3. We will only retain your personal data for so long thereafter as is necessary for us to fulfil the purposes as set out in this Privacy Policy.

    4. When we have no ongoing legitimate business need to process your personal data, we will either delete or anonymise it or, if this is not possible (for example, because your personal data has been stored in backup archives), then we will securely store your personal data and isolate it from any further processing until deletion is possible.

    5. Notwithstanding the above, we may need to retain your personal data for a longer period if it is necessary for us to:

      1. comply with our legal obligations;

      2. to respond to any disputes, claims or complaints made related to you; and/or

      3. to enforce and execute our legal agreements and policies.


    1. You have various rights under the applicable Laws in respect of your personal data retained by us. Your rights are set out as follows:

      1. accessing your personal data (subject to payment of the relevant processing fee, if applicable);

      2. requesting rectification or erasure of your personal data or to keep your personal data up-to-date (provided that you have complied with your obligation in Clause 9.2.3 above);

      3. requesting restrictions on the processing of your personal data; and

      4. objecting to us processing your personal data.

    2. Pursuant to your right to access your personal data in Clause 11.1.1 above:

      1. you also have the right to receive a copy of your personal data in an electronic format. However, this right is limited to personal data that you have provided to us and is processed based on your consent. It does not cover personal data that we may have received on other grounds or from other sources; and

      2. we may withhold your request to access your personal data in certain circumstances, including but not limited to (a) when we are unable to confirm your identity; (b) where such personal data requested is of a confidential nature; or (c) when we receive repeated requests for the same data. In any event, we will promptly notify you of the reason(s) for not being able to accede to your request.

    3. Subject to your requests pursuant to Clauses 11.1.2, 11.1.3, and/or 11.1.4 above, we reserve all our rights to reject any or all your requests or require further documentary evidence for reasons permitted by the applicable Laws.


    1. We may use cookies, advertising identifiers, web beacons, tags, scripts, local shared subjects such as HTML5 and Flash or Flash cookies including other similar technology (“Cookies”) on the Platform for the purpose of recognising your device upon your access to the Platform which we may deliver tailored information to you that matches your account, interests and preferences.

    2. The Cookies have unique identifiers which may be stored on the Platform, on the device you use to access the Platform, and/or in emails we send to you. The Cookies may transmit information about you and your use of the Services and/or the Platform, including but not limited to the period of usage, your search preference, browse type, IP address, and/or data relating to advertisements displayed and clicked in by you.

    3. Without contrary to any other provisions under this Privacy Policy, third parties may use the Cookies on the Platform to collect the same type of information for the same purpose as specified in Clause 12.1 above. Such third parties may associate the information about you obtained from the Platform or from any other resources for their other purposes, in which we do not have any responsibility, access nor control in regard to the usage of such information.

    4. We may share non-personally identifiable information from or about you with third parties, including but not limited to location data, advertising identifiers, or a cryptographic hash of a common account identifier (such as email address) to facilitate the display of targeted advertising.

    5. In any event, you may disable, block or deactivate Cookies at any time by adjusting your Internet browser setting to disable such Cookies. You may also limit our sharing of your information through mobile settings.


    1. The Platform may contain links or advertisements to third-party websites. These third-party websites are not related to, associated with us or under our control. Therefore, we are not responsible or liable for their privacy policy in regard to any collection, usage, maintenance and/or sharing of personal data of such third-party websites. We reserve the right to disable any links to any third-party websites in our sole discretion.


    1. The Platform and/or the Services do not address anyone below the age of eighteen (18) (“Minor”).

    2. We do not and will not knowingly collect personal data from any Minor. If you are a parent or guardian and you are aware that your Minor has provided us with any personal data, please contact us immediately. If we become aware that we have collected personal data from any Minor without verification of parental consent, we will take necessary steps to remove all information relating to such Minor from our storage facilities and servers.


    1. We may, from time to time, modify, update or amend the terms of this Privacy Policy to reflect changes in the applicable Laws, our group of companies, the Platform and/or the Services, our data collection use and practices. We will post the updated Privacy Policy on the Platform which shall be effective immediately upon being posted on the Platform.

    2. Our use of the personal data we collect is subject to the Privacy Policy in effect at the time such personal data is used. Please take note to periodically review this Privacy Policy and carefully review any changes made to this Privacy Policy.


    1. In accordance with Section 7(3) of the PDPA, this Privacy Policy is issued in both English and Bahasa Malaysia. In the event of any inconsistency between the English version and the Bahasa Malaysia version of this Privacy Policy, the English version shall prevail over the Bahasa Malaysia version.


    1. If there are any changes to your personal data, and/or if you have any question in respect of the collection, use, processing, disclosure and/or transfer, of your personal data, and/or you would like to exercise any of your rights as set out in this Privacy Policy, you may contact us at:

      Address : 22-1 Jalan Radin Bagus 3, Bandar Baru Sri Petaling, 57000 KL.

      Telephone number : 010 - 3831533

      Email address :

      For the attention of : Casper

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