Privacy Policy

Last updated: May 2025

Refinix Management ("we", "us", or "our") is committed to protecting your personal information. This Privacy Policy explains how we collect, use, and safeguard your data when you use our website or services.

1. Information We Collect

We may collect the following types of personal information:

Full name
WhatsApp or phone number
Monthly income range
Type and amount of debt
CTOS-related information you voluntarily share

2. How We Use Your Information

Your information is used solely to:

Contact you regarding our debt consolidation or settlement services
Assess your eligibility and provide personalised advice
Improve our website and services

We do not sell, rent, or share your personal information with third parties for marketing purposes.

3. Data Confidentiality

All personal information you provide is treated with strict confidentiality. Our team members are bound by confidentiality obligations and will only access your data on a need-to-know basis.

4. WhatsApp Communications

When you contact us via WhatsApp, your messages are subject to WhatsApp's own Privacy Policy. We use WhatsApp solely to communicate with you about your enquiry and will not use your number for unsolicited marketing.

5. Data Retention

We retain your personal information only for as long as necessary to provide our services or as required by applicable law. You may request deletion of your data at any time by contacting us.

6. Your Rights

You have the right to:

Access the personal data we hold about you
Request correction of inaccurate data
Request deletion of your data
Withdraw consent at any time

7. Cookies

Our website may use basic cookies for analytics and performance purposes. No personally identifiable information is collected through cookies.

8. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be reflected on this page with an updated date.

9. Contact Us

If you have any questions about this Privacy Policy, please contact us via WhatsApp at +60 11-5401 9866 or email info@refinix.com.my.