Dasar Privasi

1. Pengenalan

Selamat datang ke MyKhairat ("kami," "milik kami," atau "kita"). Kami komited untuk melindungi maklumat peribadi anda dan hak privasi anda. Dasar Privasi ini menerangkan bagaimana kami mengumpul, menggunakan, mendedahkan, dan melindungi maklumat anda apabila anda menggunakan platform SaaS MyKhairat kami.

Dasar Privasi ini mematuhi Akta Perlindungan Data Peribadi 2010 (PDPA) Malaysia dan undang-undang perlindungan data lain yang berkenaan.

2. Maklumat Yang Kami Kumpul

2.1 Maklumat Peribadi

Kami mengumpul maklumat peribadi yang anda berikan secara sukarela apabila anda:

• Register for an account
• Use our services
• Contact us for support
• Subscribe to our newsletters

The personal information we collect may include:

• Identity Information: Full name, IC number/passport number, date of birth, gender
• Contact Information: Email address, phone number, residential address
• Organization Information: Masjid/mosque name, registration number, location
• Financial Information: Bank account details, payment information
• Member Information: Details of members and dependents registered in the system
• Transaction Data: Payment records, claims, disbursements

2.2 Maklumat Yang Dikumpul Secara Automatik

Apabila anda mengakses platform kami, kami secara automatik mengumpul maklumat tertentu, termasuk:

• Device information (IP address, browser type, operating system)
• Usage data (pages visited, time spent, features used)
• Log data (access times, errors, performance data)
• Cookies and similar tracking technologies

3. Bagaimana Kami Menggunakan Maklumat Anda

Kami menggunakan maklumat yang dikumpul untuk tujuan berikut:

3.1 Menyediakan dan Mengekalkan Perkhidmatan

• Create and manage your account
• Process member registrations and manage member data
• Process payments and financial transactions
• Handle claims and disbursements
• Generate reports and analytics

3.2 Komunikasi

• Send transactional notifications (payment receipts, claim status)
• Provide customer support
• Send administrative information and updates
• Deliver marketing communications (with your consent)

3.3 Menambah Baik dan Membangunkan Perkhidmatan

• Analyze usage patterns to improve user experience
• Develop new features and functionality
• Monitor and analyze trends and activities
• Detect and prevent fraud and security issues

3.4 Pematuhan Undang-undang

• Comply with legal obligations and regulations
• Respond to legal requests and prevent harm
• Enforce our terms and conditions

4. Perkongsian dan Pendedahan Data

Kami tidak menjual maklumat peribadi anda. Kami mungkin berkongsi maklumat anda dalam keadaan berikut:

4.1 Dengan Persetujuan Anda

We may share your information when you explicitly consent to such sharing.

4.2 Penyedia Perkhidmatan

We may share information with third-party service providers who perform services on our behalf:

• Payment gateway providers (for processing payments)
• SMS gateway providers (for sending notifications)
• Email service providers
• Cloud hosting services
• Analytics providers

4.3 Keperluan Undang-undang

We may disclose information if required by law, court order, or government authority.

4.4 Pemindahan Perniagaan

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.

5. Keselamatan Data

Kami melaksanakan langkah-langkah teknikal dan organisasi yang sesuai untuk melindungi maklumat peribadi anda:

• Encryption: Data is encrypted in transit using SSL/TLS and at rest
• Access Controls: Role-based access control with multi-factor authentication
• Regular Backups: Automated daily backups with encryption
• Security Monitoring: Continuous monitoring for security threats
• Staff Training: Regular security awareness training for our team
• Data Isolation: Multi-tenant architecture with schema-level data separation

6. Penyimpanan Data

Kami menyimpan maklumat peribadi anda selagi diperlukan untuk memenuhi tujuan yang digariskan dalam Dasar Privasi ini, melainkan tempoh penyimpanan yang lebih lama diperlukan oleh undang-undang.

• Active Accounts: Data retained while account is active
• Inactive Accounts: Data retained for 3 years after account closure
• Financial Records: Retained for 7 years as required by Malaysian tax laws
• Transaction Logs: Retained for 2 years for audit purposes

7. Hak Anda Di Bawah PDPA

Di bawah Akta Perlindungan Data Peribadi 2010, anda mempunyai hak berikut:

7.1 Hak Akses

You have the right to request access to your personal information held by us.

7.2 Hak Pembetulan

You have the right to request correction of inaccurate or incomplete personal information.

7.3 Hak Menarik Balik Persetujuan

You may withdraw your consent for processing of your personal information at any time.

7.4 Hak Mudah Alih Data

You have the right to request a copy of your data in a structured, machine-readable format.

7.5 Hak Penghapusan

You may request deletion of your personal information, subject to legal retention requirements.

To exercise these rights, please contact us at:

• Email: privacy@mykhairat.my
• Phone: +60 3-1234 5678

8. Kuki dan Teknologi Penjejakan

Kami menggunakan kuki dan teknologi penjejakan yang serupa untuk:

• Maintain your session and preferences
• Analyze usage patterns and improve our services
• Provide personalized content
• Monitor system performance

You can control cookies through your browser settings. Note that disabling cookies may affect the functionality of our platform.

9. Pautan Pihak Ketiga

Our platform may contain links to third-party websites. We are not responsible for the privacy practices of these websites. We encourage you to read their privacy policies.

10. Privasi Kanak-kanak

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected personal information from a child, we will take steps to delete such information.

11. Pemindahan Data Antarabangsa

Your information is primarily stored and processed in Malaysia. If we transfer data outside Malaysia, we will ensure appropriate safeguards are in place to protect your information.

12. Perubahan Kepada Dasar Privasi Ini

We may update this Privacy Policy from time to time. We will notify you of any material changes by:

• Posting the updated policy on our website
• Sending an email notification to registered users
• Displaying a prominent notice on the platform

The "Last Updated" date at the top of this policy indicates when it was last revised.

13. Hubungi Kami

Jika anda mempunyai soalan atau kebimbangan tentang Dasar Privasi ini atau amalan data kami, sila hubungi kami:

14. Aduan

If you believe we have not complied with this Privacy Policy or the PDPA, you may file a complaint with:

• Our Data Protection Officer (contact details above)
• The Personal Data Protection Commissioner of Malaysia:
  Website: www.pdp.gov.my

This Privacy Policy is effective as of November 10, 2025 and will remain in effect except with respect to any changes in its provisions in the future, which will be in effect immediately after being posted on this page.