Privacy Policy

Introduction

terraceeffundsb ("we," "our," or "us") is committed to protecting your personal data and respecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our financial education services or visit our website.

We operate in accordance with Malaysia's Personal Data Protection Act 2010 (PDPA) and applicable data protection regulations. By using our services or providing your personal data, you consent to the practices described in this policy.

For questions about this policy or our data practices, contact us at: [email protected]

Information We Collect

Personal Data You Provide

When you interact with our services, we may collect:

• Name and contact information (email address, phone number, mailing address)
• Professional information (occupation, employer) when relevant to service provision
• Financial education objectives and background information you choose to share
• Payment information for service enrollment
• Communication preferences and correspondence with us

Information Collected Automatically

When you visit our website, we automatically collect:

• Device information (browser type, operating system, device identifiers)
• Usage data (pages visited, time spent, navigation patterns)
• IP address and general location data
• Cookie data (see our Cookie Policy for details)

Optional Financial Information

Participants in our Independence Roadmap service may optionally provide specific financial details during individual consultation sessions. This information is collected only with explicit consent and is used solely for personalized educational modeling. Participants may choose to work with anonymized scenarios instead.

How We Use Your Information

Service Delivery

• Processing service enrollments and managing participant accounts
• Delivering educational sessions and materials
• Conducting individual consultation sessions where applicable
• Providing customer support and responding to inquiries

Communication

• Sending service confirmations and session reminders
• Providing quarterly material updates to past participants
• Responding to your questions and requests
• Sharing relevant educational content you have opted to receive

Service Improvement

• Analyzing participant feedback to enhance service quality
• Understanding usage patterns to improve website functionality
• Developing new educational content based on participant needs

Legal Compliance

• Complying with Malaysian laws and regulations
• Protecting our legal rights and preventing misuse
• Meeting accounting and tax requirements

Data Sharing and Disclosure

Service Providers

We engage trusted third-party service providers to support our operations:

• Payment processors for secure transaction handling
• Email service providers for communication delivery
• Cloud storage providers for secure data hosting
• Website analytics services to understand usage patterns

These providers are contractually obligated to protect your data and use it only for specified purposes.

Legal Requirements

We may disclose your information when required by law, in response to legal processes, or to protect our rights, property, or safety.

Business Transfers

In the event of a merger, acquisition, or sale of assets, your data may be transferred as part of that transaction. You will be notified of any such change.

No Marketing Sales

We do not sell, rent, or trade your personal data to third parties for marketing purposes.

Data Security

We implement appropriate technical and organizational measures to protect your personal data:

• Encryption of data in transit and at rest
• Secure servers with regular security updates
• Access controls limiting data access to authorized personnel only
• Regular security audits and vulnerability assessments
• Staff training on data protection practices

While we strive to protect your data, no method of electronic transmission or storage is completely secure. We cannot guarantee absolute security but maintain industry-standard protections.

In the unlikely event of a data breach affecting your personal information, we will notify you and relevant authorities as required by law.

Data Retention

We retain your personal data only as long as necessary for the purposes described in this policy:

• Active participant data: Retained during service delivery and for three years after completion
• Financial transaction records: Retained for seven years to meet accounting requirements
• Marketing communications: Retained until you opt out or request deletion
• Website analytics data: Aggregated and anonymized after 26 months

After retention periods expire, we securely delete or anonymize your data.

Your Rights

Under Malaysia's Personal Data Protection Act, you have the following rights:

Right to Access

You may request a copy of the personal data we hold about you.

Right to Correction

You may request correction of inaccurate or incomplete personal data.

Right to Withdraw Consent

Where processing is based on consent, you may withdraw that consent at any time.

Right to Limit Processing

You may request limitation of processing in certain circumstances.

Right to Data Portability

You may request transfer of your data to another service provider where technically feasible.

Right to Object

You may object to processing based on legitimate interests or for direct marketing.

To exercise these rights, contact us at [email protected]. We will respond to requests within 21 days as required by Malaysian law.

Cookies and Tracking

Our website uses cookies and similar technologies to enhance your experience. Cookies are small data files stored on your device that help us:

• Remember your preferences and settings
• Understand how you use our website
• Improve website functionality and performance
• Provide relevant content and features

For detailed information about our cookie practices, including how to manage your cookie preferences, please see our Cookie Policy.

Third-Party Links

Our website may contain links to external websites operated by third parties. We are not responsible for the privacy practices of these websites. When you leave our site, we encourage you to review the privacy policy of any site you visit.

Reference materials provided during our services may include citations to external sources. These links are provided for educational purposes only.

Children's Privacy

Our services are designed for adults aged 18 and above. We do not knowingly collect personal data from individuals under 18. If you believe we have inadvertently collected such information, please contact us immediately for deletion.

International Data Transfers

While we primarily operate within Malaysia, some of our service providers may process data outside the country. When data is transferred internationally, we ensure appropriate safeguards are in place:

• Standard contractual clauses approved by data protection authorities
• Adequacy decisions recognizing equivalent data protection standards
• Binding corporate rules for transfers within corporate groups

Changes to This Policy

We may update this Privacy Policy periodically to reflect changes in our practices, services, or legal requirements. When we make material changes, we will:

• Update the "Last Updated" date at the top of this policy
• Notify you via email if you have an active service enrollment
• Display a notice on our website for 30 days

Your continued use of our services after such changes constitutes acceptance of the updated policy.

Contact Information

For questions, concerns, or requests related to this Privacy Policy or our data practices: