Privacy Policy

1. Introduction

Parcel Wealth is committed to protecting the privacy and personal information of our program participants and website visitors. This Privacy Policy explains how we collect, use, store, and protect your personal data in accordance with the Malaysian Personal Data Protection Act 2010 (PDPA).

By using our services or website, you consent to the data practices described in this policy. If you have questions about our privacy practices, please contact us at [email protected].

Our office is located at Ground Floor, Wisma Sanyan, Jalan Tuanku Abdul Rahman, 96000 Sibu, Sarawak, Malaysia.

2. Information We Collect

We collect the following types of personal information:

Contact Information

When you inquire about or register for our programs, we collect your name, email address, phone number, and postal address if provided. For workplace programs, we also collect organization name and role information.

Program Participation Information

During program delivery, we may collect information about your learning preferences, session attendance, and feedback on program content. For advanced portfolio programs, participants voluntarily share portfolio information for educational purposes only.

Website Usage Information

We collect technical information when you visit our website, including IP address, browser type, device information, pages visited, and time spent on pages. This is collected through cookies and similar technologies as detailed in our Cookie Policy.

3. How We Use Your Information

We use your personal information for the following purposes:

• Program registration and enrollment processing
• Communication about scheduled sessions, program changes, and related information
• Delivery of educational materials and follow-up resources
• Program evaluation and quality improvement
• Responding to inquiries and providing customer support
• Website functionality and user experience improvement
• Compliance with legal obligations

We do not use your personal information for marketing purposes without your explicit consent. We do not sell or rent personal information to third parties.

4. Legal Basis for Processing

Under the Malaysian PDPA, we process your personal data on the following legal bases:

• Consent: You have given explicit consent for program enrollment and communication
• Contract: Processing is necessary for performing our educational services
• Legitimate Interest: Processing is necessary for program improvement and business operations
• Legal Obligation: Processing is required to comply with Malaysian laws

5. Data Sharing and Disclosure

We maintain strict confidentiality of participant information. We do not share personal data except in the following limited circumstances:

Service Providers

We may share information with trusted service providers who assist with program delivery, such as video conferencing platforms for virtual sessions or payment processors. These providers are contractually obligated to protect your information.

Workplace Programs

For workplace programs, we provide organizations with aggregate participation data only. Individual employee information and session discussions remain confidential.

Legal Requirements

We may disclose information if required by Malaysian law, court order, or regulatory authority.

6. Data Security

We implement appropriate technical and organizational measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. These measures include:

• Secure storage of physical documents in locked facilities
• Encryption of digital data and secure server infrastructure
• Access controls limiting staff access to personal information
• Regular security audits and updates to protection measures
• Secure disposal of information when no longer needed

7. Data Retention

We retain your personal information only as long as necessary for the purposes outlined in this policy:

• Program enrollment and delivery information: Retained for 7 years for record-keeping purposes
• Inquiry information: Retained for 2 years unless you request earlier deletion
• Website analytics data: Anonymized after 26 months
• Financial records: Retained as required by Malaysian tax and business laws

8. Your Rights

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

• Right to Access: Request copies of the personal information we hold about you
• Right to Correction: Request correction of inaccurate or incomplete information
• Right to Withdraw Consent: Withdraw your consent for data processing at any time
• Right to Limit Processing: Request limitation of how we use your information
• Right to Data Portability: Receive your data in a structured, commonly used format
• Right to Complain: Lodge a complaint with the Malaysian Personal Data Protection Commissioner

To exercise these rights, contact us at [email protected]. We will respond to your request within 21 days as required by the PDPA.

9. Cookies and Tracking

Our website uses cookies and similar technologies to improve user experience and analyze website usage. We use the following types of cookies:

• Essential cookies: Required for basic website functionality
• Analytics cookies: Help us understand how visitors use our website
• Preference cookies: Remember your settings and preferences

For detailed information about our cookie practices, please review our Cookie Policy.

10. Third-Party Links

Our website may contain links to external websites. We are not responsible for the privacy practices of these third-party sites. We encourage you to review their privacy policies before providing any personal information.

11. Children's Privacy

Our Children's Financial Education Program involves minors ages 8-15, but enrollment is completed by parents or legal guardians. We collect personal information about children only with parental consent and use it solely for program delivery. Parents have the right to review, modify, or delete their child's information at any time.

12. Changes to This Policy

We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. We will post any updates on this page with a revised "Last Updated" date. For significant changes, we will notify enrolled participants via email. Your continued use of our services after changes indicates acceptance of the updated policy.

13. Contact Information

If you have questions or concerns about this Privacy Policy or our data practices, please contact us: