Collection of user Information:
By registering for a Emicro account or beginning an application on the Emicro website or mobile application for any product or service, you are consenting to be contacted by us by written notices, email messages, text messages, WhatsApp, or telephone, and, in connection with any such telephone calls, you consent to the use pre-recorded/artificial voice messages and/or automatic dialing devices, at any telephone number associated with your Emicro account, including mobile telephone numbers or at any email address or mailing address we have for you in our records or from other public and nonpublic databases we may lawfully access. You agree that Emicro may contact you using the information you provided with information and offers of services available through Emicro website and mobile application.
The information we collect about you will depend on the products and services we offer, on an ongoing basis. If you do not allow us to collect all the information we request, we may not be able to deliver all these services effectively.
Contact List – To check if you are eligible for a reward with our referral program. We upload your address book to help you find out which of your contacts are using Emicro. Your uploaded data is only used for matching contacts and won’t be saved for other purposes.
Location – The app is intended solely for use by Users who access the Mobile Application in Malaysia. We make no representation that the Services (or any goods or services) are available or otherwise suitable for use outside of Malaysia.
Photo – To make your application process easier and to upload your photo for verification, and as part of our Customer Identification/EKYC process.
You understand that, by creating an account or by registering through Third party sites, we and others will be able to identify you by your Emicro profile. However, we will not be liable under any circumstance for the generation of your profile or the information you provide therein. Emicro will also not be liable for any information collected in the form of SMS, contact, media or any other sources that the users might upload, the data collection process may extract, the use and misuse thereof.
Third-party sharing of your information
We will take utmost care to ensure that your personal information is not shared with the public and that your transactions on the Website and Mobile Application are confidential. If we use any third parties for any of these transactions, we will also make sure that confidentiality is maintained with these authorized third parties. We only share your personal information with affiliated third parties as permitted or required by law. When we share your personal information with vendors and service providers who perform functions on our behalf, we require that they keep your information confidential and secure and that they use it only as is reasonably necessary to carry out their work or comply with applicable law. We may share your personal information with affiliates and as part of joint marketing campaigns with other financial companies. In addition, personal information may be disclosed or transferred to our affiliates and as part of, or during negotiations of, a merger, consolidation, sale of company assets or equity, financing, acquisition, strategic alliance or in any other situation where personal information may be transferred as one of the business assets of Emicro.
Protecting your information
We maintain administrative, technical and physical safeguards designed to protect the security, confidentiality and integrity of your personal information. We store all the customer data on AWS cloud servers to reduce the risks of loss, misuse, unauthorized access, disclosure and alteration. Some of the safeguards we use are firewalls, SSL data encryption and access authorization controls. In addition, your personal information resides on servers or in areas of facilities that only selected Emicro personnel and contractors have access to.
However, you understand and accept that there’s no guarantee that data transmission over the Internet will be completely secure and that any information that you transmit to us is at your own risk. We assume no liability for any disclosure of information due to errors in transmission, unauthorized third party access to our Website and Mobile Application and databases or other acts of third parties, or acts or omissions beyond our reasonable control and you shall not be entitled to hold Emicro responsible for any breach of security.
Your choices regarding your personal information
You can access all your personal and personally identifiable information that we maintain by logging in to your account and going to “My Profile”. This section of the site is password-protected to better safeguard your information. To protect the confidentiality of such personal information, you should not divulge your password to anyone. You are responsible for all uses of the Website and Mobile Application by any person using your customer ID and password. As a registered user, you can update physical address, phone numbers, education and employment information at any time on the website.
It is possible for you to configure your browser so that it does not receive cookies. However, this means you will be unable to use secure services that require cookies in order to participate. Some of those services include (but are not limited to) our online application and some member features.
Information from advertisements on other websites
We place and track advertisements on third-party websites. Like many advertisers, we advertise our products and services, and we contract with third parties to place advertisements, on websites not affiliated with us where we think the advertisements are likely to be most relevant. These advertisements may contain cookies or other mechanisms that allow tracking of your response to our ads. We and our contracted third parties track and report performance of our advertising and marketing campaigns by using cookies, web beacons, and other similar technology, which may be used to collect and store information about user visits, page visits and duration, and the specific ad or link that the user clicked on to visit the site. No personally identifiable information is stored during this process.
Pursuant to the Personal Data Protection Act 2010 (PDPA), Credit Reporting Agency Act 2010 (CRA), Central Bank of Malaysia Act, I hereby grant consent;
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