Privacy Policy

Personal Data Protection Act (PDPA)

Privacy Notice (For Customers)

(If you are reading this Privacy Notice on behalf of a body corporate/business enterprise which maintains/maintained contractual relationship with CIMB this Privacy Statement is intended to be addressed to, without limitation, the individual officers (e.g. authorised signatories/dealer and company secretary), directors, shareholders, beneficial owners (e.g. sole proprietor and partners), guarantor or obligor of the body corporate/business enterprise (the “Relevant Individuals”) and “you” shall be construed accordingly to mean the Relevant Individuals).

At CIMB Group, we value your privacy and strive to protect your personal information in compliance with the laws of Malaysia.

Pursuant thereto, this Privacy Notice is designed to explain and elaborate upon some of our policies and principles pertaining to the privacy of your personal information, all of which we have adopted as a sign of our commitment to respecting, maintaining, protecting and safeguarding the privacy of your personal information. 

CIMB Group will only collect, record, hold, use, disclose and store (i.e. "process") use your personal information in accordance with such laws (including the Personal Data Protection Act 2010 and other applicable data protection or privacy laws / regulations), this Privacy Notice and the privacy terms in your agreement(s) with any CIMB Group entity that you may have contracted with.

This Privacy Notice explains:

• The type of personal information we collect and how we collect it

• How we use your personal information

• The parties that we disclose the personal information  to

• The choices we offer, including how to access and update your personal information
   

Your privacy matters to us, so please take the time to get to know our practices and if you need further information, please contact our Call Centre representatives at +603 6204 7788.

For the purposes of this Privacy Notice, please note that:

• “CIMB Group” refers to CIMB Group Holdings Berhad and all its related companies, as defined in section 7 of the Companies Act 2016 and jointly controlled companies, providing financial and other regulated services, excluding companies, branches, offices and other forms of presence operating outside of Malaysia unless and to the extent otherwise stated.

• “Personal information” refers to any information which relates directly or indirectly to you and/or your transactions with us. This information includes your name, address, occupation, contact details, the details of your account(s), the type of products and/or services subscribed to and such other necessary information regarding yourself and your transaction(s) with us. For the avoidance of doubt, please note that this Privacy Notice is applicable only if you are an individual.

What Kind Of Personal Information We Collect And How We Collect It

In order to enable us to deal with your inquiries, open and operate an account/facility for you and/or to generally provide you with our products and services, we may need to and/or may be required to process personal information and financial information about you, including but not limited to:

• personal information including your particulars, images and biometrics to establish your identity and background;

• specimen signatures, as well as, digital or electronic signatures as defined under the applicable laws and regulations;

• personal information to establish your financial standing, employment details, creditworthiness and/or suitability for any of our products/services applied for (if required);

• 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;

• information about your risk profile, investments, tax and insurance, investment objectives, knowledge and experience and/or business interests and assets;

• information relating to your activities, habits, preferences and interests arising from your use of products and services of CIMB Group, our partners or vendors; and/or

• other electronic data or information relating to you such as IP addresses, cookies, activity logs, online identifiers and location data through your usage of our products and services or as part of their delivery to you.

We may obtain this information from yourself and from a variety of sources, including but not limited to:

• 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;

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

• from  an analysis of the way you use and manage your account(s)/facility(ies) with us, from the transactions you make and from the payments which are made to/from your account(s)/facility(ies);

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

• 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;

• from recordings of Closed Circuit Television (CCTV) installed at our premises;

• from the Malaysia Department of Insolvency, other relevant governmental authorities and/or law enforcement agencies to ascertain inter alia your current and past financial standing;

• from other sources (for example from credit reporting/referencing agencies, including but not limited to CCRIS, FIS and/or any other bureaus or agencies established or to be established by Bank Negara Malaysia or any of its subsidiaries, or by any other authorities and/or from any financial institution);

• information received from insurance claims or other documents; and/or

• 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.

How We Use Your Personal Information 

Other than as stated above, we may use your personal information for one or more of the following purposes:

• to assess your application(s) /request(s) for our products and services;

• to verify your financial standing;

• to conduct credit checks (including but not limited to upon an application for credit and upon periodic or special review of the credit which normally will take place one or more times each year) and obtaining or providing credit references;

• to manage and maintain your account(s) and facility(ies) with us;

• to better manage our business and your relationship with us;

• to better understand your current and future investment needs and your financial situation;

• to market and to provide you with information on our and selected third parties products, services, offers and/or contests which may be of interest to you (in respect of which we may or may not be remunerated) including but not limited to wealth management and related services and products and services and products offered by our co-branding and bancassurance partners (the names of such partners will be provided during the application of the relevant services and products, as the case may be) and in this respect, to contact you via  short message service (“SMS”), phone or mobile device, email, fax, mail, websites or browsers, social media or messaging, in person and/or any other appropriate communication channels;

• to improve our products and services and to test, research, analyze and develop new products/ new features of products and/or services;

• to study how you use the products and/or services (analysis for promoting product/service);

• to notify you about benefits and changes to the features of products and services;

• to administer offers, competitions and promotions;

• to provide you with products and services provided or administered by our agents, affiliates, service providers, contractors (including sub-contractors), merchant and business partners as part of the facilities and benefits granted by us;

• to respond to your enquiries and complaints and to generally resolve disputes;

• to update, consolidate and improve the accuracy of our records;

• to produce data, reports and statistics which have been anonymised or aggregated in a manner that does not identify you as an individual;

• to conduct research for analytical purposes including but not limited to data mining and analysis of your transactions with us;

• to meet the disclosure requirements of any law binding on CIMB Group;

• 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;

• to analyze your credit and repayment behavior scoring as part of a lending process; 

• to assess financial and insurance risks;
  

• transfer or assign our rights, interests and obligations under any of your agreements with us;

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

• to conduct anti-money laundering checks; for crime detection, investigation, prevention and prosecution;

• to comply with any sanction or law enforcement requirements;

• to enforce and/or defend any of our rights; and/or

• for any other purpose that is required or permitted by any law, regulations, guidelines and/or the order of any court and/or relevant regulatory authorities.

Please be assured that we will ask for your consent before using your personal information for a purpose other than those that are set out in this Privacy Notice and in the privacy terms in your agreement(s) with any CIMB Group entities.

Disclosure Of Your Personal Information

As a part of providing you with our products and services and the management and/or operation of the same and/or for any of the purposes as set out in this Privacy Notice in relation to our use of your personal information, you consent and authorise us to disclose information about you and/or your accounts and/or facilities with us (as well as with other entities within the CIMB Group whether in or outside Malaysia) to:

• other entities within the corporate group of CIMB Group Holdings Berhad, whether in or outside Malaysia;

• 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);

• companies and/or organisations that assist us in processing and/or otherwise fulfilling transactions that you have requested;

• companies and/or organisations that assist us in providing value added services that you have requested;

• companies and/or organisations that provide services to us in delivering or communicating information about our products and services to you;

• other banks and/or financial institutions, credit reference agencies, credit reporting agencies registered under the Credit Reporting Agencies Act 2010 or credit bureaus (including those established by Bank Negara Malaysia or any of its subsidiaries), any authority, central depository or depository agent in relation to the securities industry; the police; any other governmental or regulatory and authority or body, Cagamas Berhad and/or Credit Guarantee Corporation Berhad, any insolvency department and our appointed debt recovery agents;

• any other person under a duty of confidentiality to us (including any entities within the corporate group of CIMB Group Holdings Berhad) which has undertaken to keep such information confidential;

• any trustees, beneficiaries, administrators or executors;

• your advisers (including but not limited to accountants, auditors, lawyers, financial advisers or other professional advisers) where authorised by you;

• any other person notified by you as authorised to give instructions or to use the account(s)/facility(ies) or products or services on your behalf;

• any third party as a result of any restructuring of facilities granted to you or the sale of debts, or the acquisition or sale of any company by CIMB Group, provided that any recipient uses your information for the same purposes as it was originally supplied to us and/or used by us;
  

• any guarantors or security providers for the facility(ies) granted by us to you;

• any person intending to settle any moneys outstanding under the facility(ies) granted by us to you;

• any rating agency, insurer or insurance broker or direct or indirect provider of credit protection;

• any financial institutions, merchants, VISA International Services Association, MasterCard International Incorporated and other card associations in relation to any credit card and/or debit card issued to you by us;

• your intermediaries, correspondent and agent bank, clearing houses, clearing or settlement systems, market counterparties and any company you carry out investment services through us;

• any law enforcement, government, courts, dispute resolution bodies and regulatory bodies including Bank Negara Malaysia and their appointed personnel or party, and/or

• any person connected to the enforcement or preservation of any of our rights under your agreement(s) with us, subject at all times to any laws (including regulations, guidelines and/or obligations) applicable to the CIMB Group (whether in or outside Malaysia).The afore-mentioned third parties may in some instances be located outside of Malaysia.

Marketing

There may be instances which we may share non-personally identifiable information about you to third parties, such as advertising identifiers or one-way coding (eg. cryptographic hash) of a common account identifier, such as a contact number or e-mail address, to enable the conduct of targeted advertising.

Additionally, the individual entities within the CIMB Group, our merchants and strategic partners may contact you about products, services and offers, which we believe may be of interest to you or benefit you financially. Please be informed disclosure to other entities within the corporate group of CIMB Group Holdings Berhad for cross selling purposes shall not be effected if such disclosure is objected you. Further, please also be informed that we will only disclose your personal information (which will not include information relating to your affairs or accounts) to third parties such as our merchants and strategic partners for marketing and promotional purposes where your express prior consent has been obtained and subject at all times to any laws (including regulations, guidelines and/or obligations) applicable to the CIMB Group (whether in or outside Malaysia).

You may tell us at any time if you do not wish to receive direct marketing communications from us, from individual entities within the CIMB Group and/or from our merchants and strategic partners by notifying us at the address/telephone number/ fax number/ e-mail address given at the end of this Privacy Notice. Your latest written instructions to us will prevail. In certain instances where marketing communications from us are sent via browser push to your mobile device, you will have to follow certain prescribed steps to discontinue the receipt of marketing communications from us.

We will treat your personal information as private and confidential and will not disclose your information to anyone outside the CIMB Group except:

• 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 Notice and/or in the terms and conditions governing the products and services which you have with us;

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

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

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

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

Security Of Your Personal Information

Information is our asset and therefore CIMB Group places great importance on ensuring the security of your personal information. We regularly review and implement up-to-date technical and organisational security measures when processing your personal information.

Employees of CIMB Group are trained to handle the personal information securely and with utmost respect, failing which they may be subject to disciplinary action.

Retention Of Your Personal Information

CIMB Group will retain your personal information in compliance with this Privacy Notice and/or the terms and conditions of your agreement(s) with CIMB Group entities for the duration of your relationship with us, or as necessary to perform our obligations to you or to enforce or defend the interests of CIMB Group and/or its customers as may be deemed necessary, or as required by applicable law and CIMB Group’s policies in relation to data retention.

What If Personal Information Provided By You Is Incomplete?

Where indicated (for example in application forms or account opening forms), it is obligatory to provide your personal information to us to enable us to process your application for our products or services. Should you decline to provide such obligatory personal information, we may not be able to process your application/request or provide you with our products or services. You shall update us on any changes to your personal information recorded with us.

Your Rights To Access And Correct Your Personal Information

We can assist you to access and correct your personal information held by us.

Where you wish to have access to your personal information in CIMB Group’s possession, or where you are of the opinion that such personal information held by us is inaccurate, incomplete, misleading or not up-to-date, you may make a request to us via our Data Access Request Form or Data Correction Request Form respectively. These forms are available at our branches.

We will use reasonable efforts to comply with your request to access or correct your personal information within 21 days of receiving your duly completed Data Access Request Form/Data Correction Request Form and the relevant processing fee (if any).

Please note that CIMB Group may have to withhold access to your personal information in certain situations, for example when we are unable to confirm your identity or where information requested for is of a confidential commercial nature or in the event we receive repeated requests for the same information. Nevertheless, we will notify you of the reasons for not being able to accede to your request.

Please also note that CIMB Group may use its discretion in allowing the corrections requested and/or may require further documentary evidence of the new information to avoid fraud and inaccuracy.

Please ensure your personal information (such as your mailing address(es), e-mail address(es) and telephone number(s) recorded with us are current, complete and accurate. Please notify of any change in your personal particulars via the channels made available by us to ensure that all correspondence and/or communication reach you in a timely manner and to enable us to serve you better.

Exercising Choices Over The Disclosure, Retention And Use Of Your Personal Information

Subject always to our contractual rights and obligations under relevant laws and regulations, you may exercise your choice in respect of the disclosure, retention and use of your personal information. Should you wish to do so, kindly contact us at the address/telephone number/ fax number/ e-mail address given at the end of this Privacy Notice.

Please take note that certain communications such as statements of account and our websites contain standard information regarding our other products and services that cannot be removed without affecting the delivery/provision of our services and/or products, the operation of your account(s) and/or facility(ies) with us, and/or additional costs to you.

Revisions To Privacy Notice

This Privacy Notice may be revised from time to time. Notice of any such revision will be given on CIMB’s website and/or by such other means of communication deemed suitable by CIMB Group.

Contacting CIMB  Group About Your Privacy And How We Handle Your Personal Information

Should you have any query in relation to this Privacy Notice or how we handle your personal information, kindly contact Head of Customer Resolution Unit at the following contact points:

Last Updated: 27 May 2021

Notis Privasi (Untuk Pelanggan)

(Jika anda membaca Notis Privasi ini bagi pihak badan korporat / syarikat perniagaan yang mengekalkan / pernah mengekalkan hubungan kontrak dengan CIMB, Penyataan Privasi ini bertujuan untuk disasarkan kepada, tanpa batasan, pegawai individu yang berkenaan (cth. penandatangan/peniaga dan setiausaha syarikat yang sah), pengarah, pemegang saham, pemilik berfaedah (cth. pemilik tunggal dan rakan kongsi), penjamin atau peminjam badan korporat / syarikat perniagaan tersebut (“Individu yang Berkenaan”) dan “anda” akan ditafsirkan dengan sewajarnya bagi maksud Individu yang Berkenaan).

Di Kumpulan CIMB, kami menghargai privasi anda dan berusaha untuk melindungi maklumat peribadi anda dengan mematuhi undang-undang Malaysia.

Oleh itu, Notis Privasi ini direka untuk menerangkan dan menghuraikan beberapa dasar dan prinsip kami yang berkaitan dengan privasi maklumat peribadi anda, kesemuanya yang telah kami pakai sebagai tanda komitmen kami untuk menghormati, meyelenggara dan melindungi privasi maklumat peribadi anda.

Kumpulan CIMB hanya akan mengumpul, merekodkan, memegang, menggunakan, mendedahkan dan menyimpan (iaitu “proses”) menggunakan maklumat peribadi anda mengikut undang-undang tersebut (termasuk Akta Perlindungan Data Peribadi 2010 dan undang-undang / peraturan-peraturan perlindungan data atau privasi lain yang terpakai), Notis Privasi ini dan terma privasi dalam perjanjian anda dengan mana-mana entiti Kumpulan CIMB yang anda mungkin telah berurusan dengan.

Notis Privasi ini menerangkan:

• Jenis maklumat peribadi yang kami kumpulkan dan cara kami mengumpulnya
  

• Bagaimana kami menggunakan maklumat peribadi anda
  

• Pihak-pihak yang kami mendedahkan maklumat peribadi anda kepada
  

• Pilihan yang kami tawarkan, termasuk cara untuk mengakses dan mengemas kini maklumat peribadi anda
  

Privasi anda penting kepada kami, jadi sila luangkan masa untuk mengetahui amalan kami dan jika anda memerlukan maklumat lanjut, sila hubungi wakil Pusat Panggilan kami di +603 6204 7788

Untuk tujuan Notis Privasi ini, sila ambil perhatian bahawa:

• "Kumpulan CIMB" merujuk kepada CIMB Group Holdings Berhad dan semua syarikat yang berkaitan, seperti yang ditakrifkan dalam seksyen 7 Akta Syarikat 2016 dan syarikat-syarikat yang dikawal bersama, yang menyediakan perkhidmatan kewangan dan lain-lain yang dikawal selia, tidak termasuk syarikat, cawangan, pejabat dan lain-lain bentuk kehadiran yang beroperasi di luar Malaysia melainkan dan setakat dinyatakan sebaliknya .

• "Maklumat Peribadi" merujuk kepada sebarang maklumat yang berkaitan secara langsung atau tidak langsung kepada anda dan/atau transaksi anda dengan kami. Maklumat ini termasuk nama, alamat, pekerjaan, butiran hubungan, butiran akaun anda, jenis produk dan/atau perkhidmatan yang dilanggan dan apa-apa maklumat lain yang diperlukan mengenai diri anda dan transaksi anda dengan kami. Untuk mengelakkan keraguan, sila ambil perhatian bahawa Notis Privasi ini hanya terpakai jika anda seorang individu.

Apakah Jenis Maklumat Peribadi yang Kami Kumpulkan Dan Cara Kami Mengumpulnya:

Untuk membolehkan kami menangani pertanyaan anda, membuka dan mengendalikan akaun/kemudahan untuk anda dan/atau secara amnya menyediakan produk dan perkhidmatan kami kepada anda, kami mungkin perlu dan/atau mungkin dikehendaki memproses maklumat peribadi dan maklumat kewangan tentang anda, termasuk tetapi tidak terhad kepada:

Kami boleh mendapatkan maklumat ini daripada diri anda dan daripada pelbagai sumber, termasuk tetapi tidak terhad kepada:

Kami menggunakan kuki untuk beberapa tujuan, termasuk untuk menyimpan keutamaan anda untuk jenis maklumat atau produk tertentu, analisis selanjutnya untuk tujuan menyediakan produk dan perkhidmatan kepada anda, untuk meningkatkan produk kami dan/atau memperibadikan perkhidmatan kami kepada anda. Kuki adalah fail teks kecil yang mengumpulkan maklumat tentang pengguna dan lawatan mereka ke laman web atau penggunaan aplikasi, seperti alamat Protokol Internet (IP) mereka, bagaimana mereka tiba di laman web (contohnya, melalui mesin carian atau pautan dari laman web lain) dan bagaimana mereka melayari dalam laman web atau aplikasi mudah alih.

Anda boleh melaraskan tetapan pada pelayar dan/atau peranti mudah alih anda supaya anda akan dimaklumkan apabila anda menerima kuki atau alat penjejakan yang serupa. Sila rujuk dokumentasi pelayar anda untuk memeriksa sama ada alat penjejakan telah didayakan pada komputer dan/atau peranti mudah alih anda atau meminta untuk tidak menerima kuki atau menyahdayakan kuki jika anda tidak mahu maklumat dikumpulkan melalui penggunaan kuki. Walau bagaimanapun, sila ambil perhatian jika anda mengaktifkan penyekatan atau menyahdayakan kuki, ini mungkin mengehadkan ciri dan fungsi tertentu dalam penggunaan laman web atau laman mudah alih kami.

Bagaimana Kami Menggunakan Maklumat Peribadi Anda

Selain daripada yang dinyatakan di atas, kami boleh menggunakan maklumat peribadi anda untuk satu atau lebih daripada tujuan berikut:

Sila yakin bahawa kami akan meminta persetujuan anda sebelum menggunakan maklumat peribadi anda untuk tujuan selain daripada yang dinyatakan dalam Notis Privasi ini dan dalam terma privasi dalam perjanjian anda dengan mana-mana entiti Kumpulan CIMB.

Pendedahan Maklumat Peribadi Anda

Sebagai sebahagian daripada menyediakan anda dengan produk dan perkhidmatan kami dan pengurusan dan/atau operasinya dan/atau untuk sebarang tujuan yang dinyatakan dalam Notis Privasi ini berkaitan dengan penggunaan maklumat peribadi anda oleh kami, anda bersetuju dan memberi kebenaran kepada kami untuk mendedahkan maklumat tentang anda dan/atau akaun dan/atau kemudahan anda bersama kami (serta dengan entiti lain dalam Kumpulan CIMB sama ada di dalam atau di luar Malaysia) kepada:

tertakluk pada setiap masa kepada mana-mana undang-undang (termasuk peraturan, garis panduan dan/atau kewajipan) berkaitan dengan Kumpulan CIMB (sama ada di dalam atau di luar Malaysia). Pihak ketiga yang disebutkan di atas mungkin berada di luar Malaysia.

Pemasaran

Terdapat keadaan di mana kami mungkin berkongsi maklumat mengenai anda yang tidak dapat dikenal pasti secara peribadi kepada pihak ketiga, seperti pengecam pengiklanan atau pengekodan sehala (e.g.hash kriptografi) pengecam akaun biasa, seperti nombor hubungan atau alamat e-mel, untuk membolehkan pengiklanan yang disasarkan.

Selain itu, entiti individu dalam Kumpulan CIMB, peniaga dan rakan kongsi strategik kami boleh menghubungi anda mengenai produk, perkhidmatan dan tawaran, yang kami percaya mungkin menarik minat anda atau memberi manfaat kewangan kepada anda. Harap maklum bahawa pendedahan kepada entiti lain dalam kumpulan korporat CIMB Group Holdings Berhad untuk tujuan penjualan silang tidak akan dilaksanakan sekiranya pendedahan tersebut tidak dibenarkan oleh anda. Selanjutnya, adalah dimaklumkan juga bahawa kami hanya akan mendedahkan maklumat peribadi anda (yang tidak termasuk maklumat yang berhubungan dengan hal ehwal atau akaun anda) kepada pihak ketiga seperti pedagang dan rakan kongsi strategik kami untuk tujuan pemasaran dan promosi di mana persetujuan nyata anda telah diperolehi terlebih dahulu dan tertakluk pada setiap masa kepada mana-mana undang-undang (termasuk peraturan-peraturan, garis panduan dan/atau kewajipan) berkaitan dengan Kumpulan CIMB (sama ada di dalam atau di luar Malaysia)

Anda boleh memberitahu kami pada bila-bila masa jika anda tidak mahu menerima komunikasi pemasaran langsung daripada kami, daripada mana-mana entiti dalam Kumpulan CIMB dan/atau dari pedagang dan rakan kongsi strategik kami dengan memberitahu kami di alamat/nombor telefon/ nombor faks /alamat e-mel yang dinyatakan di hujung Notis Privasi ini. Arahan bertulis terkini anda kepada kami akan diguna pakai. Dalam keadaan tertentu di mana komunikasi pemasaran dari kami dihantar melalui "browser push" ke peranti mudah alih anda, anda perlu mengikuti langkah-langkah tertentu untuk menghentikan penerimaan komunikasi pemasaran daripada kami.

Kami akan menganggap maklumat peribadi anda sebagai peribadi dan sulit dan tidak akan mendedahkan maklumat anda kepada sesiapa di luar Kumpulan CIMB kecuali:

Keselamatan Maklumat Peribadi Anda

Maklumat adalah aset kami dan oleh itu Kumpulan CIMB meletakkan kepentingan yang besar dalam memastikan keselamatan maklumat peribadi anda. Kami sentiasa mengkaji semula dan melaksanakan langkah-langkah keselamatan teknikal dan organisasi terkini semasa memproses maklumat peribadi anda.

Kakitangan Kumpulan CIMB telah dilatih untuk mengendalikan maklumat peribadi dengan selamat dan dengan penuh hormat, dan sekiranya gagal berbuat demikian, mereka mungkin tertakluk kepada tindakan disiplin.

Pengekalan Maklumat Peribadi Anda

Kumpulan CIMB akan mengekalkan maklumat peribadi anda selaras dengan Notis Privasi ini dan/atau terma dan syarat perjanjian anda dengan entiti Kumpulan CIMB bagi tempoh hubungan anda dengan kami, atau seperti yang diperlukan untuk melaksanakan tanggungjawab kami terhadap anda atau untuk menguatkuasakan atau melindungi kepentingan Kumpulan CIMB dan/atau pelanggannya sebagaimana yang dianggap perlu, atau seperti yang dikehendaki oleh undang-undang yang terpakai dan dasar Kumpulan CIMB berkaitan dengan pengekalan maklumat.

Bagaimana Jika Maklumat Peribadi Disediakan oleh Anda Tidak Lengkap?

Jika dinyatakan (contohnya dalam borang permohonan atau borang pembukaan akaun), adalah wajib untuk memberikan maklumat peribadi anda kepada kami untuk membolehkan kami memproses permohonan anda untuk produk atau perkhidmatan kami. Sekiranya anda menolak untuk memberikan maklumat peribadi yang wajib tersebut, kami mungkin tidak dapat memproses permohonan/permintaan anda atau menyediakan produk atau perkhidmatan kami kepada anda.

Hak Anda Untuk Mengakses Dan Membetulkan Maklumat Peribadi Anda

Kami boleh membantu anda untuk mengakses dan membetulkan maklumat peribadi anda yang dipegang oleh kami.

Jika anda ingin mengakses maklumat peribadi anda dalam milik Kumpulan CIMB, atau di mana anda berpendapat bahawa maklumat peribadi tersebut yang dipegang oleh kami adalah tidak tepat, tidak lengkap, mengelirukan atau bukan terkini, anda boleh membuat permohonan kepada kami melalui Borang Permohonan Akses Data (Data Access Request Form) atau Borang Permohonan Pembetulan Data (Data Correction Request Form) kami. Borang-borang ini boleh didapati di cawangan-cawangan kami.

Kami akan menggunakan usaha yang munasabah untuk mematuhi permintaan anda untuk mengakses atau membetulkan maklumat peribadi anda dalam tempoh 21 hari selepas menerima Borang Permohonan Akses Data/Borang Permohonan Pembetulan Data yang telah lengkap dan yuran pemprosesan yang berkaitan (jika ada).

Sila ambil perhatian bahawa Kumpulan CIMB mungkin perlu menahan akses kepada maklumat peribadi anda dalam keadaan tertentu, contohnya apabila kami tidak dapat mengesahkan identiti anda atau di mana maklumat yang diminta adalah bersifat komersial yang sulit atau sekiranya kami menerima permintaan berulang untuk maklumat yang sama. Namun demikian, kami akan memberitahu anda tentang sebab-sebab kami tidak dapat memenuhi permintaan anda.

Sila ambil perhatian bahawa Kumpulan CIMB boleh menggunakan budi bicaranya dalam membenarkan pembetulan yang diminta dan/atau mungkin memerlukan bukti dokumentari lanjut mengenai maklumat baru untuk mengelakkan penipuan dan ketidaktepatan.

Sila pastikan maklumat peribadi anda (seperti alamat, alamat e-mel dan nombor telefon anda yang direkodkan dengan kami) adalah terkini, lengkap dan tepat. Sila maklumkan sebarang perubahan kepada butiran peribadi anda melalui saluran yang telah kami sediakan untuk memastikan segala surat-menyurat dan/atau komunikasi tiba kepada anda tepat pada masanya dan untuk membolehkan kami untuk melayani anda dengan lebih baik.

Melaksanakan Pilihan Atas Pendedahan, Pengekalan Dan Penggunaan Maklumat Peribadi Anda

Tertakluk sentiasa kepada hak dan kewajipan kontraktual kami di bawah undang-undang dan peraturan yang berkaitan, anda boleh menggunakan pilihan anda berkenaan dengan pendedahan, pengekalan dan penggunaan maklumat peribadi anda. Sekiranya anda ingin berbuat demikian, sila hubungi kami di alamat/nombor telefon /nombor faks/ alamat e-mel yang diberikan di hujung Notis Privasi ini.

Sila ambil perhatian bahawa komunikasi tertentu seperti penyata akaun dan laman web kami mengandungi maklumat standard mengenai produk dan perkhidmatan kami yang tidak boleh disingkirkan tanpa menjejaskan penyampaian/penyediaan perkhidmatan dan/atau produk kami, operasi akaun anda dan/atau kemudahan anda dengan kami, dan/atau kos tambahan kepada anda.

Semakan Semula Notis Privasi

Notis Privasi ini mungkin disemak semula dari semasa ke semasa. Notis sebarang semakan semula tersebut akan diberikan di laman web CIMB dan/atau dengan apa-apa cara komunikasi yang lain yang dianggap sesuai oleh Kumpulan CIMB.

Menghubungi Kumpulan CIMB Mengenai Privasi Anda Dan Cara Kami Mengendalikan Maklumat Peribadi Anda

Sekiranya anda mempunyai sebarang pertanyaan berhubung dengan Notis Privasi ini atau cara kami mengendalikan maklumat peribadi anda, sila hubungi Ketua Unit Resolusi Pelanggan kami seperti berikut :

Dikemaskini pada: 27 Mei 2021