Privacy Policy

Last updated: March 9, 2026

This Privacy Policy describes how DebtWise Malaysia collects and uses your personal information. We are committed to protecting your privacy and handling your data responsibly. When you access our website and educational resources about debt management, credit cards, CCRIS reports, and AKPK counseling programs, we may collect certain information from you.

Information We Collect

We collect information in several ways to provide and improve our services. When you register for our debt management resources, we gather personal details such as your name, email address, and contact information. We also collect usage data automatically when you browse our website, including your IP address, browser type, pages visited, and time spent on each page.

Additionally, we use cookies and similar tracking technologies to enhance your experience. We may also collect information about your interaction with our educational content on debt-to-income ratio calculations, credit card interest rates, AKPK Debt Management Programme information, and CCRIS credit report interpretation guides.

How We Use Your Information

We use the information we collect to provide, maintain, and improve our educational resources and services. Your personal data helps us personalize your experience, send you relevant content about debt management fundamentals, and notify you about updates to our AKPK counseling awareness materials and credit education tools.

We also use your information to understand how you interact with our platform, analyze usage patterns, and develop better educational content. Your data helps us identify areas where Malaysian users need more guidance on managing credit card debt, understanding CCRIS reports, and accessing AKPK support services. We may also use your information for legitimate business purposes and to comply with legal obligations.

Your Privacy Rights

You have the right to access, correct, or delete your personal information at any time. You can request a copy of the data we hold about you, ask us to update inaccurate information, or request deletion of your data, subject to certain legal limitations.

You also have the right to opt out of marketing communications and promotional emails. If you wish to exercise any of these rights or have concerns about how we handle your information, please contact us directly. We will respond to your requests within thirty days, or as required by applicable data protection laws.

Cookies and Tracking Technologies

We use cookies to enhance your browsing experience and provide personalized content related to debt management education. Cookies are small files stored on your device that help us remember your preferences and track your activity on our website. Essential cookies are necessary for the website to function properly, while analytical cookies help us understand how you use our resources.

You can control cookie settings through your browser preferences and choose to accept or reject non-essential cookies. However, disabling certain cookies may affect your ability to access some features of our educational platform. We also use third-party analytics tools to measure how visitors engage with our content on debt-to-income ratios, credit card interest calculations, and AKPK counseling information.

Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. Our security practices include encryption, secure servers, and restricted access to personal data. However, no method of transmission over the internet is completely secure, and we cannot guarantee absolute security.

We regularly review and update our security protocols to address emerging threats and vulnerabilities. Your sensitive information, such as email addresses and registration details, is protected with industry-standard encryption. If we discover any unauthorized access or data breach affecting your information, we will notify you promptly as required by law.

Third-Party Sharing

We do not sell, rent, or share your personal information with third parties for marketing purposes. However, we may share your information with trusted service providers who assist us in operating our website, conducting analytics, and providing customer support. These third parties are bound by confidentiality agreements and may only use your information as necessary to provide services to us.

We may also disclose your information when required by law, such as in response to legal requests from government agencies or to protect our rights, privacy, safety, or property. In such cases, we will make reasonable efforts to notify you unless prohibited by law.

Policy Updates

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will notify you by updating the “Last updated” date and posting the revised policy on our website. Your continued use of our services following such changes constitutes your acceptance of the updated Privacy Policy.

We encourage you to review this policy periodically to stay informed about how we protect your information. If you have questions about any changes or need clarification on our practices, please do not hesitate to contact us.