Privacy Policy

1. Introduction

Fiscalore Sdn Bhd ("Fiscalore", "we", "us", "our") is committed to protecting the privacy of individuals who interact with our services. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal data in accordance with the Personal Data Protection Act 2010 (PDPA) of Malaysia.

This policy applies to information collected through our website at fiscalor.live, in person at our Shah Alam premises, and through all program enrolment processes. By submitting your information to us, you consent to the practices described here.

If you have questions about this policy, please contact us at [email protected].

2. Data We Collect

We collect the following categories of personal data:

• Identity data: full name, preferred name
• Contact data: email address, phone number, postal address
• Enquiry and communication data: messages submitted through our contact form, email correspondence
• Program participation data: enrolment records, attendance, program preferences
• Technical data: IP address, browser type, pages visited, referral source (collected via analytics cookies if consented)

We do not collect sensitive financial data, government identification numbers, or payment card details directly. Program fees are processed through secure third-party payment channels.

3. How We Collect Data

Personal data is collected through the following means:

• Enquiry forms submitted on our website
• Email and phone communications initiated by you
• In-person registration at our Shah Alam premises
• Program enrolment documentation
• Cookies and analytics tools (subject to your cookie consent preferences)

4. Legal Basis and Purpose of Processing

We process your personal data on the following grounds:

• Contractual necessity: to administer your program enrolment, communicate session details, and deliver program materials
• Legitimate interest: to respond to enquiries, manage our participant records, and improve program quality
• Consent: for marketing communications and optional analytics — you may withdraw consent at any time
• Legal compliance: to meet obligations under Malaysian law

We retain personal data for a period of three years following your last interaction with us, after which it is securely deleted unless legal obligations require longer retention.

5. How We Use Your Data

• To respond to your enquiries and provide program information
• To process enrolments and manage program delivery
• To send program-related communications (schedules, materials, updates)
• To send marketing communications about upcoming programs (only with your consent; you may opt out at any time)
• To improve our website and programs based on usage patterns
• To comply with legal and regulatory obligations

6. Data Sharing

We do not sell your personal data to third parties. We may share data with:

• Service providers: email delivery platforms, website hosting providers, and payment processors — only to the extent necessary for service delivery
• Analytics providers: anonymised usage data (only if you have consented to analytics cookies)
• Legal authorities: where required by Malaysian law or court order

All third-party service providers are contractually required to maintain data confidentiality and security standards consistent with this policy.

7. Data Security

We implement appropriate technical and organisational measures to protect your personal data against unauthorised access, accidental loss, or destruction. These measures include encrypted data storage, access controls, and regular security reviews.

In the event of a data breach that is likely to result in harm to data subjects, we will notify affected individuals and the relevant authorities in accordance with Malaysian PDPA requirements.

8. Cookies

Our website uses essential cookies (required for basic functionality) and optional analytics cookies (which we use only with your consent). You can manage your cookie preferences at any time via our Cookie Policy page.

9. Your Rights Under PDPA Malaysia

Under the Personal Data Protection Act 2010, you have the right to:

• Access your personal data held by us
• Correct inaccurate or incomplete personal data
• Withdraw consent for processing (where consent is the legal basis)
• Inquire about the use and disclosure of your personal data
• Prevent processing likely to cause damage or distress

To exercise these rights, contact us at [email protected]. We will respond within 21 days.

10. Children's Privacy

Our programs are designed for individuals aged 18 and above. We do not knowingly collect personal data from minors. If you believe a minor has submitted data to us, please contact us and we will delete it promptly.

11. Third-Party Links

Our website may contain links to external websites. We are not responsible for the privacy practices of those sites and recommend reviewing their respective privacy policies.

12. Changes to This Policy

We may update this Privacy Policy periodically. The "Last Updated" date at the top of this page reflects the most recent revision. Continued use of our website or services after changes are posted constitutes acceptance of the revised policy.

13. Contact Information

For any privacy-related enquiries or to exercise your data rights, please contact: