Privacy Policy

Introduction

Crestline is committed to protecting the privacy and personal information of individuals who participate in our financial education programs. This Privacy Policy explains how we collect, use, store, and protect your personal data in accordance with Malaysian data protection practices and regulations.

By enrolling in our programs or contacting us through our website, you acknowledge that you have read and understood this Privacy Policy. If you have questions about how we handle your information, please contact us at [email protected].

Information We Collect

We collect personal information that you provide directly to us when you:

• Inquire about our programs through our contact form
• Enroll in one of our educational programs
• Participate in individual consultations
• Communicate with us via email or phone
• Visit our website and interact with our content

The types of personal information we may collect include:

• Contact Information: Name, email address, phone number, mailing address
• Program Information: Program enrollment details, session attendance, consultation notes
• Financial Context: General financial background shared during consultations (we do not collect specific account numbers or sensitive financial credentials)
• Website Usage Data: IP address, browser type, pages visited, time spent on pages, referring websites
• Communication Records: Correspondence via email, phone, or in-person interactions

How We Use Your Information

We use the personal information we collect for the following purposes:

• Program Delivery: To provide you with the educational services you have enrolled in, including scheduling sessions, providing materials, and conducting consultations
• Communication: To respond to your inquiries, send program updates, and share relevant information about our services
• Service Improvement: To understand how participants engage with our programs and identify areas for enhancement
• Administrative Purposes: To maintain records, process enrollments, and manage our business operations
• Legal Compliance: To comply with applicable Malaysian laws and regulations

We do not use your personal information for marketing purposes without your explicit consent, and we do not sell your information to third parties.

Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. Specifically:

• Program Records: Enrollment and attendance records are retained for up to three years after program completion
• Consultation Notes: Notes from individual consultations are retained for two years
• Communication Records: Email and phone correspondence is retained for one year unless longer retention is necessary for legal or business purposes
• Financial Records: Payment and enrollment records are retained for seven years to comply with Malaysian tax and accounting requirements

Data Protection and Security

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

• Secure storage of physical and electronic records
• Access controls limiting who can view participant information
• Regular review of our security practices
• Secure communication channels for sensitive information
• Staff training on data protection principles

While we take reasonable precautions to protect your information, no method of transmission or storage is completely secure. We cannot guarantee absolute security but remain committed to maintaining strong protective measures.

Third-Party Services

We may use third-party services to support our operations, such as:

• Email Services: For program communication and correspondence
• Analytics Tools: To understand website usage patterns (using anonymized or aggregated data where possible)
• Payment Processors: For secure processing of program enrollment fees

These third parties are contractually obligated to protect your information and use it only for the purposes we specify. We do not share your personal information with third parties for their own marketing purposes.

Cookies and Website Data

Our website uses cookies and similar technologies to enhance your browsing experience and analyze site usage. For detailed information about our cookie practices, including the types of cookies we use and how to manage your preferences, please see our Cookie Policy.

Your Rights

Under Malaysian data protection principles, you have certain 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 that we correct inaccurate or incomplete information
• Right to Erasure: You may request deletion of your personal information, subject to legal retention requirements
• Right to Withdraw Consent: Where we process your information based on consent, you may withdraw that consent at any time
• Right to Object: You may object to certain types of data processing
• Right to Data Portability: You may request that we provide your information in a commonly used format

To exercise any of these rights, please contact us at [email protected]. We will respond to your request within 30 days.

Children's Privacy

Our educational programs are designed for adults (individuals 18 years of age or older). We do not knowingly collect personal information from individuals under 18. If we become aware that we have inadvertently collected information from a minor, we will take steps to delete it promptly.

Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices or applicable laws. When we make significant changes, we will notify participants via email and update the "Last Updated" date at the top of this page.

Your continued use of our services after changes to this Privacy Policy constitutes acceptance of the updated terms. We encourage you to review this policy periodically.

Governing Law

This Privacy Policy is governed by the laws of Malaysia. Any disputes arising from or relating to this policy will be subject to the exclusive jurisdiction of the Malaysian courts.

Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or how we handle your personal information, please contact us: