Privacy Policy

Still Waters Fiduciaries Sdn. Bhd. ("we," "our," or "us") is committed to protecting your privacy and personal data. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.

We comply with the Personal Data Protection Act 2010 (PDPA) of Malaysia and other applicable data protection laws. By using our services, you consent to the data practices described in this policy.

We may collect the following types of personal information:

Personal Identification Information

• Full name and NRIC/Passport number
• Date of birth and gender
• Contact details (phone number, email address)
• Residential and correspondence address
• Occupation and employer details

Financial Information

• Income and financial status
• Existing insurance policies
• Investment objectives and risk tolerance
• Bank account details (for premium payments)

Health Information

• Medical history (for insurance applications)
• Pre-existing conditions
• Lifestyle factors (smoking status, etc.)

Technical Information

• IP address and browser type
• Device information
• Website usage data and cookies

We use your personal information to:

• Provide financial advisory services and insurance recommendations
• Process insurance applications and claims
• Communicate with you about your policies and services
• Send relevant updates, newsletters, and promotions
• Comply with legal and regulatory requirements
• Improve our website and services
• Prevent fraud and ensure security
• Conduct internal analysis and business development

We may share your personal information with the following parties:

• Insurance Companies: To process applications, policies, and claims
• Regulatory Bodies: Bank Negara Malaysia and other relevant authorities
• Service Providers: Third-party vendors who assist in our operations
• Professional Advisers: Lawyers, accountants, and auditors
• Business Partners: Trusted partners for joint services

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

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

• Encryption of sensitive data
• Secure servers and firewalls
• Access controls and authentication
• Regular security assessments
• Staff training on data protection

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your personal data, we cannot guarantee absolute security.

Under the PDPA, you have the right to:

• Access: Request access to your personal data we hold
• Correction: Request correction of inaccurate or incomplete data
• Withdrawal: Withdraw consent for processing your data
• Objection: Object to processing of your data for marketing

To exercise these rights, please contact us using the details provided below. We may charge a reasonable fee for processing access requests.

We retain your personal data for as long as necessary to fulfill the purposes for which it was collected, including:

• Duration of our business relationship
• Period required by law (minimum 7 years for financial records)
• Time needed to resolve disputes or enforce agreements

When your data is no longer required, we will securely delete or anonymize it.

Our website uses cookies to enhance your browsing experience. Cookies are small text files stored on your device that help us:

• Remember your preferences
• Understand how you use our website
• Improve website performance
• Provide personalized content

You can control cookies through your browser settings. However, disabling cookies may affect the functionality of our website.

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by posting the new policy on this page with an updated revision date.

We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.

If you have any questions about this Privacy Policy or wish to exercise your rights, please contact our Data Protection Officer:

Last updated: December 2024