Privacy Policy

Introduction

Capital Minds is committed to protecting the privacy and confidentiality of personal information provided by participants, prospective participants, and website visitors. This Privacy Policy explains how we collect, use, store, and protect your personal data when you interact with our financial education programs or visit our website.

The scope of this policy applies to all personal information collected through our George Town, Penang location, website, email communications, phone inquiries, and program enrollment processes. If you have questions about this policy, please contact us at [email protected].

Information We Collect

Personal Information Provided Directly

When you inquire about our programs, enroll in a course, or contact us for information, we collect personal details that you voluntarily provide, including:

• •Full name and preferred contact name
• •Email address for correspondence and program materials
• •Phone number for enrollment confirmation and program updates
• •Mailing address when required for program materials delivery
• •Professional background or financial situation details during consultation sessions for programs that include individual consultation components

Website Usage Information

When you visit our website, we may automatically collect certain technical information through cookies and similar technologies:

• •IP address and general geographic location
• •Browser type and version
• •Pages visited and time spent on each page
• •Referring website or search terms used

For detailed information about cookie usage, please refer to our Cookie Policy.

How We Use Your Information

Program Delivery and Administration

We use your personal information primarily to deliver the financial education programs you have enrolled in:

• •Processing enrollment and maintaining participant records
• •Communicating session schedules, location details, and program updates
• •Providing program materials, handbooks, and reference guides
• •Conducting individual consultation sessions where applicable
• •Gathering feedback to improve program quality

Communication and Customer Service

We may contact you regarding:

• •Responses to inquiries you have submitted through our contact form or email
• •Program enrollment confirmation and payment processing
• •Session reminders and schedule changes
• •Follow-up communications about program satisfaction

Legal Basis for Processing

Under Malaysian privacy laws and the Personal Data Protection Act 2010 (PDPA), we process your personal information on the following legal bases: consent you provide when submitting information or enrolling in programs, contractual necessity to deliver the educational services you have purchased, and legitimate business interests in improving our programs and maintaining communication with participants.

Information Sharing and Disclosure

Capital Minds does not sell, rent, or trade your personal information to third parties for their marketing purposes. We may share limited information only in the following circumstances:

• •Service providers who assist with payment processing, email communications, or website hosting, under strict confidentiality agreements
• •Professional advisors such as lawyers or accountants when necessary for business operations
• •Law enforcement or regulatory authorities when required by Malaysian law or legal process

All third-party service providers are contractually obligated to maintain the confidentiality of your information and use it only for the specific purposes we have authorized.

Data Security Measures

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction:

• •Secure storage of physical participant records in locked filing systems
• •Encryption of electronic data transmissions through our website
• •Access controls limiting employee access to personal information based on legitimate need
• •Regular review and updating of security protocols

While we strive to protect your personal information, no method of transmission or electronic storage is completely secure. We cannot guarantee absolute security but commit to addressing any data breach promptly and notifying affected individuals as required by law.

Data Retention

We retain your personal information for different periods depending on the type of data and our legal obligations:

• •Enrollment and payment records: 7 years from program completion, as required by Malaysian accounting and tax regulations
• •Program materials and consultation notes: Duration of program plus 6 months, or longer if you request continued access
• •Marketing communications consent: Until you withdraw consent or request removal
• •Website usage data: 2 years from collection

After these retention periods, we securely delete or anonymize your personal information in accordance with our data disposal procedures.

Your Privacy Rights

Under the Malaysian Personal Data Protection Act 2010 (PDPA), you have the following rights regarding your personal information:

• •Right to Access: You may request a copy of the personal information we hold about you
• •Right to Correction: You may request correction of inaccurate or incomplete personal information
• •Right to Withdraw Consent: Where processing is based on consent, you may withdraw it at any time
• •Right to Data Portability: You may request your data in a structured, commonly used format
• •Right to Lodge a Complaint: You may file a complaint with the Personal Data Protection Department of Malaysia if you believe your privacy rights have been violated

To exercise any of these rights, please contact us at [email protected]. We will respond to your request within 21 days as required under Malaysian law.

Children's Privacy

Our programs are designed for adults aged 18 and above. We do not knowingly collect personal information from individuals under 18 years of age. If we become aware that we have inadvertently collected information from someone under 18, we will delete that information promptly.

Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices, legal requirements, or business operations. When we make material changes, we will:

• •Update the "Last Updated" date at the top of this policy
• •Post the revised policy on our website
• •Notify current program participants by email if changes significantly affect their data

Your continued use of our services after policy changes indicates acceptance of the updated terms.