Privacy Policy

1.1.1 Any personal information that you may choose to send to us in the course of using our website;

1.1.2 Any personal information relating to the purchasing of insurance products and/or services through the website;

1.1.3 Any personal information to establish your financial standing, employment details, credit worthiness and/or suitability for any of our products/services (if required);

1.1.4 Any personal information about your risk profile, investments, tax and insurance, investment objectives, knowledges and experience and/or business interests and assets.

1.1.5 Any personal information relating to your activities, habits, preferences and interests arising from your use of products and services of AFG Group, our partners or vendors

1.1.6 Any personal information that you provide when you apply for any of our products and services, including your views or opinions made known to us via feedback or surveys;

1.1.7 Any personal information about your computer and/or about your visits to and use of this website which may include your IP address, cookies, activity logs, online identifiers, geographical location, length of visit, page views and website navigation paths;

1.1.8 Any communication that you may send to us or through our website; and

1.1.9 Any other personal information which you may choose to send us in the course of using our website.

1.2.1 Through your relationship with us, for example information provided by you in application forms, when you operate your account and use our products or services, when taking part in customer surveys, competitions and promotions, and during financial reviews;

1.2.2 Through your verbal and written communications with us and/or our authorized agents via SMS, phone or mobile device, email, fax, mail, websites or browsers, social media and/or any other appropriate communication channels;

1.2.3 From an analysis of the way you use and manage your accounts/facilities with us, from transactions you make and from the payments which are made to/from your accounts/facilities;

1.2.4 From third parties connected with you, such as employers, joint account holders, security providers, guarantors and indemnitors, subject to your prior consent;

1.2.5 From such other sources in respect of which you have given your consent to them disclosing information relating to you and/or where they are not otherwise restricted;

1.2.6 From other sources (for example from credit reporting/referencing agencies, including but not limited to CCRIS (in Malaysia), CBS (in Singapore) and/or any other bureaus or agencies established or to be established by a central bank or any other authorities and/or from any financial institution);

1.2.7 From insurance claims or other documents; and/or

1.2.8 From any information that is supplied and/or collected when you visit our websites and/or download our mobile device applications which may include your device’s IP address or from data that is collected via cookies.

2.1.1 Administer the website;

2.1.2 Enable you to use the website;

2.1.3 Sending notifications through e-mail to you;

2.1.4 Sending marketing and non-marketing commercial communications to you;

2.1.5 To provide sufficient information to us to identify the user of the website;

2.1.6 To deal with any questions or complaints made by the users in relation to our website;

2.1.7 To be kept and stored to prevent fraud and to secure our website for our legal and compliance requirements;

2.1.8 For internal purposes such as data analysis, research and auditing to enhance services provided by us and AFG Group;

2.1.9 To fulfill the user’s orders on the sale and purchase of products/services provided on our website;

2.1.10 To consider and process your application to be our customer/user;

2.1.11 To carry out your instructions, respond to any enquiry or deal with any feedback given by (or purported to be given by) you or on your behalf, including contacting you via phone/voice call, text message and/or fax, email and/or postal mail regarding your instructions, enquiries and/or feedback;

2.1.12 To verify your financial standing or conduct credit checks, if required, including but not limited to upon an application for credit and upon periodic or special review of the credit;

2.1.13 To carry out due diligence or other screening activities (including credit, security, and background checks) in accordance with legal or regulatory obligations or our risk management procedures that may be required by law or that may have been put in place by us;

2.1.14 To prevent or investigate any fraud, unlawful activity or omission or misconduct, whether or not there is any suspicion of the aforementioned; dealing with and/or investigating complaints;

2.1.15 To better understand your current and future investment needs and your financial situation;

2.1.16 To market and to provide you with information on our and AFG Group’s products, services, offers and/or contests which may be of interest to you (in respect of which we may or may not be remunerated) and in this respect, to contact you via short message services (SMS), WhatsApp, phone or mobile device, email, fax, mail, websites or browsers, social media or messaging, in person and/or any other appropriate communication channels;

2.1.17 To produce data, reports and statistics which have been anonymized or aggregated in a manner that does not identify you as an individual;

2.1.18 To create and maintain credit, behavioral and risk related models for automated credit or suitability scoring and/or any purpose relating to audit, compliance, and risk management purposes or functions;

2.1.19 To analyse your credit and repayment behavior as part of lending process (if any);

2.1.20 To assess financial and insurance risks;

2.1.21 To protect or enforce our rights to recover any debt owing to us;

2.1.22 To conduct anti-money laundering checks, for crime detection, investigation, prevention and prosecution;

2.1.23 To enforce and/or defend any of our rights; and

2.1.24 To be disclosed to relevant governmental authorities and enforcement agencies if it is legally required to do so or to comply with any court order.

3.2.1 Other entities within the AFG Group, whether in or outside Malaysia;

3.2.2 Companies and/or persons that act as our agents, affiliates, service providers, contractors, merchants, business partners, lawyers, auctioneers, valuers and/or professional advisers (including the employees, directors, sub-contractors, service providers, agents and professional advisors of all the aforesaid companies and/or persons);

3.2.3 Companies and/or organizations that assist us in processing and/or otherwise fulfilling transactions that you have requested;

3.2.4 Banks and/or financial institutions, credit reference agencies, credit reporting agencies or credit bureaus (including those established by central banks), escrow agents, any authority, central depository or depository agent in relation to the securities industry, the police, any other governmental or regulatory and authority or body, any insolvency department and our appointed debt recovery agents;

3.2.5 Any other persons under a duty of confidentiality to us (including any entities within the AFG Group) which has undertaken to keep such information confidential;

3.2.6 Any trustees, beneficiaries, administrators or executors;

3.2.7 Your advisers (including but not limited to accountants, auditors, lawyers, financial advisers or other professional advisers) where authorized by you;

3.2.8 Any other persons notified by you as authorized to give instructions or to use the accounts/facilities or products or services on your behalf;

3.2.9 Any guarantors or security providers for the facilities granted by us to you;

3.2.10 Any rating agency, insurer or insurance broker or direct or indirect provider of credit protection;

3.2.11 Any law enforcement, government, courts, dispute resolution bodies and regulatory bodies and their appointed personnel or party; and/or

3.2.12 Any person connected to the enforcement or preservation of any of our rights under your agreements with us, subject at all times to any laws applicable to the AFG Group (whether in or outside Malaysia). The aforementioned third parties may in some instances be located outside of Malaysia.

3.6.1 where you have given your express consent as set out in our application form(s) and/or pursuant to your consent and authorisation as contained in this Privacy Policy and/or in the terms and conditions governing the products and services which you have with us;

3.6.2 where we are required or permitted to do so by law;

3.6.3 where required or authorised by any order of court, tribunal or authority, whether governmental or quasi-governmental with jurisdiction over AFG Group;

3.6.4 where we may transfer rights and obligations pursuant to our agreement(s) with you; and/or

3.6.5 where we are required to meet our obligations to any relevant regulatory authority (whether in or outside Malaysia).

5.3.1 we are required by any existing laws to do so;

5.3.2 we believe that the personal information may be relevant to any ongoing or prospective legal proceedings;

5.3.3 it is to establish and defend our legal rights when necessary.

11.1.1 Where an act of nature is involved or any unforeseeable circumstances has occurred, resulting in the malfunction, damage or destruction of any equipment and/or machinery which is used to secure, store or process personal data or information from the users;

11.1.2 Where the personal data or information is already available or able to be found by the public before any personal data or information of such kind has been submitted to us;

11.1.3 Where after every reasonable effort and attempt has been made by us to verify, secure and safeguard any personal data and information submitted to us, there is unauthorised access, hacking, misuse, modification, alteration, tampering or abuse of such personal data and information caused by malicious, fraudulent or criminal acts of any kind or misconduct of a third party not being under our control or instruction.