Privacy Policy · 隐私政策
Last updated: 3 July 2026 | 最后更新： 2026 年 7 月 3 日
1. Who We Are · 关于我们
This Privacy Policy applies to yourfinancedoc.com (“the Site”), operated by Tan Choon Xin, a Licensed Financial Planner at FA Advisory Sdn. Bhd. (formerly Uniplan Advisory Sdn. Bhd.; Company Reg. No. 200901022427 / 865525-W). We handle the personal data you submit through this Site in accordance with the Personal Data Protection Act 2010 (PDPA), as amended.
Scope: This notice covers personal data collected through this website. When you engage us as a client for financial advisory or planning services provided through FA Advisory Sdn. Bhd., additional personal data (including Sensitive Personal Data) is processed under FA Advisory’s full PDPA Notice — see Section 10.
本隐私政策适用于 yourfinancedoc.com（“本网站”），由 FA Advisory Sdn. Bhd.（前称 Uniplan Advisory Sdn. Bhd.；公司注册号 200901022427 / 865525-W）持牌财务规划师 Tan Choon Xin 运营。我们根据马来西亚《2010 年个人资料保护法令》（PDPA）及其修订，处理你通过本网站提交的个人资料。
适用范围：本通知涵盖通过本网站收集的个人资料。当你以客户身份委托我们（通过 FA Advisory Sdn. Bhd.）提供财务咨询或规划服务时，额外的个人资料（包括敏感个人资料）将依据 FA Advisory 的完整 PDPA 通知处理 —— 见第 10 节。
2. What We Collect · 我们收集的资料
- Enquiry data (via our forms): full name, email, mobile number, occupation & company, annual income range, preferred contact time, and any consultation details you write.
- Account & course data (if you register): login details and course progress.
- Communication data: messages you send us via WhatsApp or email.
- Technical data: IP address, browser/device info, and pages visited, via cookies and Google Analytics.
We do not collect your IC number, address, or full card details on this website.
- 查询资料（通过表格）：全名、电邮、手机号码、职业与公司、年收入范围、方便联系时间，以及你填写的咨询内容。
- 账户与课程资料（如你注册）：登录资料与课程进度。
- 通讯资料：你通过 WhatsApp 或电邮发送给我们的信息。
- 技术资料：IP 地址、浏览器／设备信息、浏览页面，通过 cookies 及 Google Analytics 收集。
我们不会在本网站收集你的身份证号码、住址或完整信用卡资料。
3. Why We Collect It · 收集目的
To respond to your enquiries and provide the financial planning services you request; to manage course/account access; to process any payments; to send information you opted in to receive; to improve the site; and to meet our legal and BNM/SC regulatory obligations. We do not sell your personal data.
用于回复你的查询并提供你所要求的财务规划服务；管理课程／账户；处理付款；发送你已同意接收的信息；改善网站；以及履行法律与 BNM/SC 监管义务。我们不会出售你的个人资料。
4. Who We Share It With · 资料共享对象
We share personal data only with service providers that help us run the site — our web host, form/CRM tool (Fluent Forms, stored on our site), WhatsApp (Meta), and Google Analytics (GA4, via Google Site Kit). Embedded YouTube videos may set cookies when played. We may also disclose data where required by law or by our BNM/SC obligations. No third-party marketing.
我们仅与协助运营网站的服务供应商共享资料 —— 网站主机、表格／CRM 工具（Fluent Forms，储存于本网站）、WhatsApp（Meta）及 Google Analytics（GA4，通过 Google Site Kit）。嵌入的 YouTube 视频在播放时可能设置 cookies。在法律或 BNM/SC 义务要求下，我们也可能披露资料。不作第三方营销用途。
Cross-border transfers · 跨境传输
Some of these tools (e.g. WhatsApp/Meta, YouTube/Google, Google Analytics) may process data outside Malaysia. We only use providers that offer protection comparable to the PDPA, or where you have consented by using the service.
其中部分工具（如 WhatsApp/Meta、YouTube/Google、Google Analytics）可能在马来西亚境外处理资料。我们仅使用能提供与 PDPA 相当保护的供应商，或在你使用该服务即表示同意的情况下进行。
5. How Long We Keep It · 保存期限
We keep personal data only as long as needed for the purpose above. Where you become a client, we retain client records for 7 years in line with the record-keeping period required of licensed advisors under BNM/SC rules. Enquiry-only submissions that do not proceed are kept for a shorter period and then deleted.
我们仅在上述目的所需期间保存个人资料。若你成为客户，我们将依据 BNM/SC 对持牌顾问的记录保存要求，保存客户记录 7 年。未继续进行的纯查询提交将保存较短期间后删除。
6. How We Protect It · 资料安全
We use reasonable measures — HTTPS/TLS encryption, access controls, and reputable service providers — to protect your data against loss or unauthorised access.
我们采取合理措施 —— HTTPS/TLS 加密、访问控制及信誉良好的服务供应商 —— 保护你的资料免于遗失或未经授权的访问。
7. Your Rights · 你的权利
Under the PDPA you may: access and correct your data; withdraw consent; limit how we process it (including for direct marketing); and lodge a complaint with the Personal Data Protection Commissioner. We may verify your identity first, and access requests may be subject to a prescribed fee and reasonable processing time. To exercise these, contact us (Section 10).
根据 PDPA，你可以：查阅并更正你的资料；撤回同意；限制我们的处理方式（包括直接营销）；以及向个人资料保护专员投诉。我们可能会先核实你的身份，查阅请求可能须支付规定费用并需合理处理时间。如需行使这些权利，请联系我们（第 10 节）。
8. Cookies · Cookies
We use cookies for site performance (caching) and analytics (Google Analytics). You can control cookies through your browser settings.
我们使用 cookies 以提升网站性能（缓存）及分析（Google Analytics）。你可通过浏览器设置管理 cookies。
9. Children · 未成年人
Our services are for adults (18+). We do not knowingly collect data from minors.
我们的服务面向成年人（18 岁以上）。我们不会有意收集未成年人的资料。
10. Contact & Full PDPA Notice · 联系方式与完整 PDPA 通知
We may update this policy; the date above shows the latest revision.
For data collected through this website (enquiries, access/correction requests, or to limit processing), contact the Site operator:
Tan Choon Xin, Licensed Financial Planner · Email: henry@yourfinancedoc.com
For the full financial-advisory client relationship, FA Advisory’s complete PDPA Notice applies (covering Sensitive Personal Data, reinsurers, group policies, and cross-border sharing):
Customer Services — FA Advisory Sdn. Bhd.
Suite 29-6, Level 29, Menara 1 Mont’ Kiara, 1 Jalan Kiara, Mont’ Kiara, 50480 Kuala Lumpur.
Tel: 03-6211 4011 · Fax: 03-6211 4031 · Email: customerservices@fa.my
Full PDPA Notice: https://faadvisory.my/privacy-policy/
关于通过本网站收集的资料（查询、查阅／更正请求，或限制资料处理），请联系网站运营者：
Tan Choon Xin，持牌财务规划师 · 电邮：henry@yourfinancedoc.com
关于完整的财务咨询客户关系，适用 FA Advisory 的完整 PDPA 通知（涵盖敏感个人资料、再保险公司、团体保单及跨境共享）：
客户服务 — FA Advisory Sdn. Bhd.
Suite 29-6, Level 29, Menara 1 Mont’ Kiara, 1 Jalan Kiara, Mont’ Kiara, 50480 Kuala Lumpur.
电话：03-6211 4011 · 传真：03-6211 4031 · 电邮：customerservices@fa.my
完整 PDPA 通知：https://faadvisory.my/privacy-policy/
11. Information About Another Person · 关于他人的资料
If you give us personal data about another person (e.g. a spouse or dependant), you confirm they have authorised you to do so, to consent to the processing of their data, and to receive privacy notices on their behalf.
如你向我们提供他人的个人资料（例如配偶或受养人），即表示你已获其授权提供该资料、同意处理其资料，并代其接收隐私通知。
