Privacy Policy

1. Data Collection Information

We collect personal information that you provide directly when enrolling in programs, contacting us, or using our website:

• Contact Information: Name, email address, phone number, mailing address
• Program Data: Financial ratios calculated during sessions, retirement allocation preferences, portfolio composition details used for educational exercises
• Payment Information: Billing details for program fees (processed through secure third-party payment providers)
• Communication Records: Correspondence with instructors, program inquiries, feedback submissions
• Website Usage Data: IP address, browser type, pages visited, time spent on site (collected through cookies)

Legal Basis for Processing: We process your personal data based on your consent (when you enroll in programs or contact us), contract fulfillment (to deliver educational services you purchased), and legitimate interests (to improve our programs and communicate with participants).

Data Retention: Program enrollment records are retained for seven years for administrative purposes. Financial data used in calculation exercises is stored only for the program duration plus 30 days of post-completion support, then permanently deleted. Contact information is retained while you remain an active or past participant, with option to request deletion.

2. Data Usage Explanation

We use your personal information for the following purposes:

• Service Delivery: To conduct program sessions, provide calculation templates, deliver personalized instruction, and enable post-completion support
• Communication: To send program confirmations, schedule updates, educational materials, and respond to your inquiries
• Program Improvement: To analyze participant feedback, assess program effectiveness, and refine our educational methodology
• Legal Compliance: To maintain records required under Malaysian business regulations and respond to legal requests
• Marketing Communications: To inform past participants about new program offerings or schedule openings (only with your explicit consent, which you can withdraw at any time)

Third-Party Sharing: We do not sell your personal information. We share data only with service providers who assist with payment processing, email delivery, or website hosting — all operating under strict confidentiality agreements. We may also disclose information if required by Malaysian law or legal process.

Analytics: We use Google Analytics to understand website traffic patterns and improve user experience. This involves collecting anonymized usage data. You can opt out using browser settings or the Google Analytics opt-out browser add-on.

3. Data Protection Measures

We implement security measures to protect your personal information:

• Encryption: All data transmitted between your browser and our servers uses SSL/TLS encryption
• Secure Storage: Personal information is stored on password-protected servers with restricted access
• Access Controls: Only authorized instructors and administrative staff can access participant data, limited to what they need for their roles
• Regular Audits: We conduct quarterly security reviews and update our data protection practices
• Breach Notification: In the event of a data breach affecting your personal information, we will notify you within 72 hours as required under Malaysian data protection regulations

While we implement strong security measures, no method of electronic storage is completely secure. We cannot guarantee absolute security but commit to maintaining industry-standard protections and promptly addressing any security incidents.

4. Cookie Information

Our website uses cookies to enhance your browsing experience and analyze site usage. Cookies are small text files stored on your device. We use:

• Essential Cookies: Required for basic site functionality, including session management and security features
• Analytics Cookies: To understand how visitors use our site, which pages are most viewed, and how we can improve user experience (Google Analytics)
• Preference Cookies: To remember your cookie consent choices and site preferences

You can control cookie preferences through your browser settings or our cookie consent banner. Disabling non-essential cookies will not affect your ability to access our website's core features.

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

5. Your Rights

Under Malaysian Personal Data Protection Act (PDPA) and general data protection principles, you have the following rights:

• Right to Access: Request a copy of the personal information we hold about you
• Right to Rectification: Request correction of inaccurate or incomplete personal data
• Right to Erasure: Request deletion of your personal information (subject to legal retention requirements)
• Right to Data Portability: Receive your personal data in a structured, commonly used format
• Right to Object: Object to processing of your personal data for marketing purposes
• Right to Withdraw Consent: Withdraw your consent for data processing at any time (without affecting the lawfulness of processing before withdrawal)
• Right to Lodge Complaint: File a complaint with the Personal Data Protection Commissioner of Malaysia if you believe your rights have been violated

To exercise any of these rights, contact us at [email protected]. We will respond to your request within 30 days.

6. Third-Party Links

Our website may contain links to external websites or resources. We are not responsible for the privacy practices or content of third-party sites. When you leave our website, we encourage you to review the privacy policy of any site you visit. This Privacy Policy applies only to information collected by Anchor Ledger.

7. Children's Privacy

Our programs are designed for adults age 18 and older. We do not knowingly collect personal information from individuals under 18. If you believe we have inadvertently collected data from a minor, please contact us immediately at [email protected] so we can delete the information.

8. Policy Updates

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

• Posting the updated policy on our website with a revised "Last Updated" date
• Sending email notification to registered participants if changes significantly affect how we handle personal data
• Requesting your renewed consent if required under applicable data protection laws

We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information. Your continued use of our services after policy updates constitutes acceptance of the revised terms.

9. Contact Information

If you have questions about this Privacy Policy or wish to exercise your data protection rights, please contact us: