Privacy Policy

Introduction

Acumen Hub is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, store, and protect data you provide when using our financial education services. We comply with Malaysia's Personal Data Protection Act 2010 (PDPA) and related regulations in all our operations.

By using our services, you consent to the data practices described in this policy. If you do not agree with these practices, please do not use our services or provide us with your personal information.

Information We Collect

Personal Information

When you enroll in our programs or contact us, we may collect:

• Full name
• Email address
• Phone number
• Mailing address
• Employment information (when relevant to program content)
• Payment information (processed through secure third-party providers)
• Communication preferences

Automatically Collected Information

When you visit our website, we automatically collect:

• IP address and device information
• Browser type and version
• Pages visited and time spent on each page
• Referring website addresses
• Date and time of visits

Program Participation Data

During program participation, we may collect:

• Session attendance records
• Feedback and evaluation responses
• Questions submitted during programs
• Materials access and usage patterns

How We Use Your Information

We use collected information for the following purposes:

Service Delivery

• Enrolling you in requested programs
• Communicating session schedules and materials
• Providing access to digital resources
• Processing payments and maintaining financial records
• Responding to inquiries and support requests

Program Improvement

• Analyzing feedback to enhance content quality
• Understanding participant needs and preferences
• Developing new programs based on demand
• Measuring program effectiveness

Communications

• Sending program-related updates and materials
• Notifying you of schedule changes or important information
• Sharing information about new programs (with your consent)
• Responding to your questions or requests

Legal Compliance

• Maintaining records as required by Malaysian law
• Complying with tax reporting obligations
• Protecting our rights and property
• Responding to legal processes

Data Protection and Security

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

• Secure servers with encrypted data transmission
• Access controls limiting who can view personal information
• Regular security assessments and updates
• Staff training on data protection requirements
• Secure backup systems
• Incident response procedures

While we strive to protect your information, no method of transmission over the internet is completely secure. We cannot guarantee absolute security but maintain industry-standard protections.

Data Retention

We retain personal information for the following periods:

• Participant records: 7 years from program completion (for tax and legal compliance)
• Financial records: 7 years from transaction date (as required by Malaysian tax law)
• Marketing communications: Until you withdraw consent or 2 years of inactivity
• Website analytics: 26 months
• General inquiries: 2 years from last contact

After retention periods expire, we securely delete or anonymize personal information unless longer retention is required by law or legitimate interests.

Information Sharing

We do not sell, rent, or trade your personal information to third parties. We may share information with:

Service Providers

Third-party providers who assist with:

• Payment processing
• Email communications
• Website hosting
• Data analytics

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

Legal Requirements

We may disclose information when required by law or to:

• Comply with legal processes or government requests
• Enforce our terms and conditions
• Protect our rights, property, or safety
• Prevent fraud or security threats

Cookies and Tracking

We use cookies and similar technologies to enhance your website experience and collect usage data. For detailed information about cookies we use and how to manage them, please review our Cookie Policy.

Your Rights

Under Malaysian law, you have the following rights regarding your personal information:

Right to Access

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

Right to Correction

You may request correction of inaccurate or incomplete information.

Right to Withdrawal of Consent

You may withdraw consent for data processing at any time, though this may affect our ability to provide services.

Right to Object

You may object to processing of your information for marketing purposes.

Right to Complaint

You may lodge a complaint with the Personal Data Protection Commissioner if you believe we have violated your privacy rights.

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

Children's Privacy

Our services are designed for adults aged 18 and above. We do not knowingly collect personal information from individuals under 18. If we become aware that we have inadvertently collected information from someone under 18, we will delete it promptly.

Changes to This Policy

We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. When we make significant changes, we will notify you by email or through a prominent notice on our website. The "Last Updated" date at the top of this policy indicates when it was last revised.

Continued use of our services after policy changes indicates acceptance of the updated terms.

Contact Information

For questions, concerns, or requests regarding this Privacy Policy or our data practices, contact us at: