1. Introduction

This Privacy Policy explains how we, operating under the domain iadvance.my, collect, use, disclose, and safeguard your personal data. As a Malaysian-based platform and partner of a licensed operator, we are committed to complying with the Personal Data Protection Act 2010 (PDPA) and ensuring your privacy is protected.

By using our website, mobile applications, and related services, you consent to the practices described in this policy.

2. What Personal Data We Collect

We may collect and process the following types of personal information:

• Full name, NRIC/passport number

• Contact details: phone number, email, address

• Login credentials (securely stored and encrypted)

• Payment details (via secure third-party processors)

• Employment or business data (if applicable)

• IP address, browser type, and device information

• Location data (only with your consent)

• Usage data and browsing behavior for analytics

3. How We Use Your Data

Your personal data is used for:

• User registration and account management

• Plan subscription and transaction processing

• Service delivery and customer support

• Identity verification and fraud prevention

• Compliance with legal and regulatory requirements

• Improving our services and platform experience

• Communications, including updates and promotions (opt-in only)

We only process your data when there is a lawful basis under the PDPA.

4. How We Share Your Data

We may share your data with:

• Our licensed operator partners (for compliance and service execution)

• Authorized financial/payment service providers

• Regulators (e.g., Bank Negara Malaysia, MoF) where legally required

• Technology vendors (e.g., cloud storage, analytics tools)

• Legal or enforcement agencies (if required under court orders)

We do not sell your personal data to any third parties.

5. Third-Party Tools and Services

We use third-party tools like:

• Google Analytics

• Firebase

• Stripe/SenangPay/other payment gateways

• Google/Apple Sign-In (if applicable)

These services may collect anonymized or device-level data. Please refer to their respective privacy policies.

6. Mobile App Permissions (If Applicable)

If you use our mobile app, we may request permissions for:

• Location (for geo-based service personalization)

• Camera or photos (for document upload or KYC)

• Notifications (for important service alerts)

We only collect these with your explicit in-app consent and in line with Google Play and App Store policies.

7. Data Security

We implement industry-standard security protocols, including:

• HTTPS encryption and SSL certificates

• Secure access controls and authentication

• Encrypted storage for sensitive data

• Regular system audits and penetration testing

We are committed to protecting your data against loss, misuse, and unauthorized access.

8. Your Rights Under PDPA

You have the right to:

• Access your personal data

• Correct inaccuracies

• Withdraw consent at any time

• Request data deletion (subject to legal retention)

• Opt out of promotional communications

To exercise these rights, contact us at privacy@iadvance.my.

9. Data Retention

We retain personal data only as long as necessary to fulfill legal, contractual, and service purposes. After the retention period, data will be securely deleted or anonymized.

10. International Data Transfers

If data is processed or stored outside Malaysia (e.g., cloud hosting), we ensure adequate protection in line with Section 129 of the PDPA and industry standards.

11. Cookies and Tracking Technologies

We use cookies to:

• Remember login sessions

• Improve user experience

• Analyze site performance

You may disable cookies via your browser settings, but some features may be limited.

12. Children’s Privacy

Our services are intended for users aged 18 and above. We do not knowingly collect personal data from minors. If discovered, such data will be deleted immediately.

13. Changes to This Policy

We may update this policy periodically. Users will be notified via email, app alerts, or website banners when significant changes are made.

14. Contact Us

If you have questions or concerns about this Privacy Policy or wish to make a data request, please contact:

Privacy Officer
iadvance.my
Email: privacy@iadvance.my
Tel: +6011 1100 9988
Address: No. 21-1, Jalan Dwitasik, Bandar Sri Permaisuri, 56000 Cheras, Kuala Lumpur

15. Governing Law

This Privacy Policy is governed by the laws of Malaysia. Disputes arising from this policy will be resolved under the jurisdiction of Malaysian courts.