Ample Capital values the confidentiality of its clients’ personal data and is committed to safeguarding their privacy. In compliance with the Personal Data Protection Act 2010 (“Act”), we have issued this Privacy Notice to help you comprehend the following:
– The types of personal information that Ample Capital collects and the methods used to obtain it.
– How Ample Capital utilizes your personal information.
– The third parties to whom Ample Capital may disclose your personal information.
– The options that Ample Capital provides, such as how to access and revise your personal information.
Ample Capital gathers, utilizes, and/or processes your personal information for the following objectives:
- To handle applications for products or services proposed by Ample Capital and/or its business partners that you have subscribed to.
- To notify you of significant modifications/developments to the characteristics of the product/service.
- To evaluate/verify your creditworthiness.
- To engage with you, including answering your queries and/or complaints and resolving disputes.
- For strategic partnerships, cross-selling, marketing, and promotions, involving other units/departments/entities within Ample Capital, our agents, and third parties.
- To conform with regulatory requirements and provide assistance to law enforcement authorities.
- To research and develop products and/or services.
- To handle and/or administer products and services for you, including collecting debts and enforcing our rights and obligations.
- To enhance and advance our services and quality assurance for you.
- To deter, detect, or prosecute instances of fraud/crime and abide by legal and regulatory obligations.
- To preserve your credit history for current and future reference (if considered necessary).
- To protect the interests of Ample Capital and other relevant objectives.
2. The categories of Personal Information that we collect and the means of acquiring it.
The information we collect encompasses, but is not limited to, details regarding yourself such as your name, address, email address (or other contact details), age, gender, race, National Registration Identification Card (NRIC) number, financial information such as your bank balance, bank transactions, assets, liabilities, income, credit facilities, and records with other financial service providers. The purpose of this information is to establish your identity, background, financial position, creditworthiness, and suitability for the products and services offered by Ample Capital and our business partners, if applicable.
We may obtain this information directly from you and from various sources, including but not restricted to:
- Through your dealings with us, such as information supplied by you in application forms, while using our products or services, when participating in customer surveys, competitions, and promotions, and during financial assessments;
- Via your spoken, written, and email communications with us and/or our authorized agents;
- From an analysis of how you manage and use your account(s)/facility(ies) with us, the transactions you perform, and the payments that are made to your account(s)/facility(ies);
- From third parties, such as employers, credit reference information providers, government/statutory agencies, and/or
- From other sources to which you have granted consent to disclose information concerning you and/or where not otherwise restricted.
Protecting your Personal Information is of utmost importance to us at Ample Capital. We prioritize the security of your information by implementing physical, electronic, and procedural measures that comply with relevant regulations.
To ensure that your Personal Information is kept safe, we limit access to it to authorized employees who have been trained in handling this sensitive information. These employees are required to maintain the confidentiality of your information and respect your privacy at all times.
4. Sharing of your Personal Information.
Although Ample Capital takes steps to ensure that your Personal Information is kept private and confidential, it may be disclosed, disseminated, or transferred to the following entities and parties:
- Ample Capital’s business units and entities within and outside Malaysia for marketing and promotional purposes.
- Licensees, business partners, and third-party service providers.
- Professional advisors, such as lawyers, accountants, and bankers, who may require access to your information to provide their services.
- Credit bureaus, CTOS, and debt-collection agencies to assist with debt recovery functions.
- Agents or contractors acting on behalf of Ample Capital.
- Regulatory and government bodies if required to do so by law.
- Any relevant institution or party to facilitate your dealings with Ample Capital’s products and services.
- Any parties authorized by you.
- Any person or corporation to whom Ample Capital may transfer its interests, obligations, business, and/or operations.
This disclosure is subject to any applicable laws, regulations, guidelines, and obligations that apply to Ample Capital and to your rights as outlined in this notice. If you do not wish to receive marketing communications from Ample Capital, its entities, merchants, or business partners, you can notify us through the channels listed in Clause 10 of this notice.
5. Requirement to Provide Personal Information
7. Authority to decide how your personal information is revealed, kept, and employed
Ensuring that your personal information is accurate and up to date is a top priority for us. It is your responsibility to make sure that the personal information you provide to us is complete, accurate, and not misleading.
You have the right to access and correct your personal information by contacting us using the communication channels outlined in Clause 10 of this notice. If you believe that the information we have on record for you is inaccurate, incomplete, or not up to date, we will make reasonable efforts to comply with your request to access or correct your personal information after verifying your identity.
Please be aware that in certain circumstances, we may need to withhold access to your personal information, such as when we are unable to confirm your identity, the requested information is confidential, or when we receive repeated requests for the same information. If we are unable to fulfill your request, we will provide you with an explanation of the reasons.
Please note that we may need further evidence to support the correction you requested to avoid any fraud or inaccuracy, and we will exercise our discretion in granting your request.