iBill.my Privacy policy

This Privacy Policy outlines how iBill.my collects, uses, maintains and discloses your personal data in respect of commercial transactions and how iBill.my safeguards the personal data.

"iBill.my" or "We" in this Privacy Policy refers to MSAF Consolidated Sdn Bhd.

When you sign up for our products and services or when you enter into any commercial transactions with iBill.my, you may be required to provide iBill.my with your personal data. In doing so, you consent to its use by iBill.my in accordance with this Privacy Policy. Your personal data may have otherwise been provided to iBill.my by a third party for products or services that these third parties have sought from iBill.my. In this context, the term "you" or "your" in this Privacy Policy extends to any individual whose personal data has been provided to iBill.my.

You have the choice, at any time, not to provide your personal data/sensitive personal data or to revoke your consent to iBill.my processing of your personal data/sensitive personal data. However, failure to provide such personal data/sensitive personal data or revocation of your consent to process personal data/sensitive personal data provided may result in iBill.my being unable to provide you with effective and continuous products and services.

Personal data refers to any information that relates directly or indirectly to an individual, who is identified or identifiable from that information or from that and other information in the possession of iBill.my, including any sensitive personal data and expression of opinion about the individual.

The types of personal data we collect may include, but is not limited to your name, address, other contact details, age, occupation, marital status, financial information such as your income, or income tax particulars your identity card or passport, place of birth, credit history and your transaction history.

The personal data we collect can be either obligatory or voluntary. Obligatory personal data are those that we require in order to provide you with our products and services. If you do not provide us with obligatory personal data, we would not be able to provide you with our products and services. Voluntary personal data are those that are not mandatory in order for us to provide you with our products and services. If you do not provide us with voluntary personal data, you can still sign up for our products and services. Obligatory and voluntary personal data differ for each products and services.

We obtain your personal data in various ways, such as:

An IP address is a number that is automatically assigned to your computer when you signed up with an Internet service provider. When you visit our website, your IP address is automatically logged in our server. We use your IP address to help diagnose problems with our server, and to administer our website. From your IP address, we may identify the general geographic area from which you are accessing our website. Generally, we do not link your IP address to anything that can enable us to identify you unless it is required by law and regulation.

A cookie is an element of data that a website can send to your browser, which may then store it on your system. We use cookies in some of our pages to store visitors' preferences and record session information. The information that we collect is then used to ensure a more personalised service level for our users. You can adjust settings on your browser so that you will be notified when you receive a cookie. Please refer to your browser documentation to check if cookies have been enabled on your computer or to request not to receive cookies.

We may process your personal data for the following reasons:

From time to time, we may share your personal data with other entities within iBill.my, our agents or strategic partners and other third parties ("other entities") as iBill.my deems fit and you may receive marketing communication from us or from these other entities about products and services that may be of interest to you. If you no longer wish to receive these marketing communications, please notify us to withdraw your consent and we will stop processing and sharing your personal data with these other entities for the purpose of sending you marketing communications.

You have a choice to withdraw your consent for receiving marketing or promotional materials/communication, you may contact us using the contact details found below. Please be aware that once we receive confirmation that you wish to withdraw your consent for marketing or promotional materials/communication, it may take up to thirty (30) working days for your withdrawal to be reflected in our systems. Therefore, you may still receive marketing or promotional materials/communication during this period of time. Please note that even if you opt out from receiving marketing or promotional materials, iBill.my may still contact you for other purposes in relation to the accounts, facilities or services that you hold or have subscribed to with iBill.my.

Your personal data held by us shall be kept confidential. However, in order to provide you with effective and continuous products and services and to comply with any legal and regulatory requirements, we may need to disclose your personal data to:

The disclosure of your data may involve the transfer of your personal data to places outside of Malaysia, and by providing us your personal data you agree to such a transfer where it is required to provide you the services you have requested, and for the performance of any contractual obligations you have with iBill.my including for storage purposes.

The security of your personal data is our priority. iBill.my takes all physical, technical and organisational measures needed to ensure the security and confidentiality of personal data. If we disclose any of your personal data to our authorised agents or service providers, we will require them to appropriately safeguard the personal data provided to them.

We will only retain your personal data for as long as necessary to fulfil the purpose(s) for which it was collected or to comply with legal, regulatory and internal requirements. Afterwards we will destruct or permanently delete your data.

If you have questions, comments, concerns or feedback regarding this Privacy Policy or any other privacy concern, send an email to support@ibill.my.