Privacy Policy

This Privacy Policy applies to your access and use of all products and services that are made available by us or our affiliates (“Services”) through our website, including but not limited to sharlife.my and our downloadable mobile applications (“Site”).

We respect your privacy and we are committed to protecting your personal data. This Privacy Policy describes the information that we gather from you, how we use your information, whom we share your information with, and the steps we take to protect your information. By using the Services, you consent to the privacy practices described in this Policy.

Contents:

1. Important information and who we are
2. The data we collect about you
3. How do we use the information we collect
4. Data security
5. Cookies
6. Your legal rights
7. Glossary
8. Contact us

1. Important information and who we are

1. 1.1 Purpose of this Privacy Policy

This Privacy Policy aims to give you information on how we collect, use, process, disclose, share, transfer, and protect your personal information obtained when you visit our website, or through your use of our services and any data you may provide when you register for or use our services, sign up for alerts or newsletters, contact us with a question or request for help, participate in any renewals, promotions or surveys. We will not use your personal information for any purpose not covered in this Privacy Policy without prior notification to you and your consent.

2. 1.1 Purpose of this Privacy Policy

From time to time, we may revise this Privacy Policy to reflect changes in law, our personal data collection and use practices, the features on the Site, or advances in technology. Changes to this Privacy Policy will be posted on https://sharlife.my/privacy-policy. You shall regularly review the Privacy Policy and pay attention to its revisions. When an updated version of the Privacy Policy is released, your continued access to CrepeToast means that you agree to the updated content and agree to abide by the updated Privacy Policy.

2. The data we collect about you

1. 2.1 General info

Personal data, or personal information, means any information about an individual from which that person can be identified. It does not include data where the identity has been removed (anonymous data).

We collect information you provide directly to us. For example, we collect information when you create an account, participate in any interactive feature of our services, fill out a form, complete any transaction, request customer support or communicate with us. The types of information we may collect include your name, date of birth, email address, postal address, phone number, certain virtual financial information, and in addition, any further information you choose to provide. Only personal information necessary for carrying out and performing our tasks and services, or made available by you on a voluntary basis, is collected.

2. 2.2 Different kinds of personal data about you that we collect

We may collect, use, store and transfer different kinds of personal data about you which are:

1. Your first and last name, username, passwords, e-mail, telephone numbers, mailing addresses, date of birth, gender, identity verification, photographs, your third-party financial account information such as ID and password, your financial information, such as investments, income, expenses, investable assets, investing risk tolerance or other similar types of information.
2. If you fill out a survey or tell us where you are (e.g., by allowing your mobile device or computer to send us your location), we may store that information.
3. Certain Services, such as two-factor authentication, may require our collection of your phone numbers. We may associate that phone number to your mobile device identification information.
4. If you provide us feedback or contact us via e-mail, we will collect your name and e-mail address, as well as any other content included in the e-mail, in order to send you a reply.
5. We also collect other types of Personal Data that you provide to us voluntarily when seeking support and other Services, such as email, chat name and logs, information submitted via online form, other contact information, or other information provided to support services.
6. We may automatically receive and record certain information from your computer, web browser and/or mobile device, including without limitation the IP address or other device address/ID, web browser and/or device type, geolocation data, including if you use the Site on a mobile device, hardware and software settings and configurations, web pages or sites that you visit just before or just after visiting the Site, pages you view on the Site, your actions on the Site, dates and times that you visit, access, or use the Services

Please note that we do not store your third-party financial account ID or passwords. Instead, we securely pass this information to our third-party partners when you request Services that require us to confirm your identity, when you request to prequalify for their products, and/or to provide you with access to your financial information on our Site.

3. How do we use the information we collect

In general, Personal Data you submit to us is used either to respond to requests that you make, or to aid us in serving you better. We will only use your personal data when the law allows us to. Most commonly, we will use your personal data in the following circumstances:

1. Identify you and perform identity verification through a service provider.
2. To provide you the Services you request and enable non-affiliated third parties to provide additional services to you.
3. Improve the quality of experience when you interact with our website and services.
4. To understand and analyze usage trends and preferences of our users across different devices.
5. Identify, prevent, and report potentially suspicious, fraudulent, or illegal activities.
6. To contact you for administrative purposes such as customer service, to send you a welcome e-mail to verify ownership of the e-mail address provided when your account was created, to send you any administrative e-mail notifications, such as account activity, transaction processing, security or support and maintenance advisories, to send you promotional materials, offers, and/or messages related to the Services and the activities of third parties we work with.

4. Data security

We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. In addition, we limit access to your personal data to other third parties who have a business involving your personal data. They will only process your personal data on our instructions, and they are subject to a duty of confidentiality.

Depending on the nature of the risks presented by the proposed processing of your personal data, we will have in place the following appropriate security measures:

1. Organizational measures (including but not limited to staff training and policy development).
2. Technical measures (including but not limited to physical protection of data, pseudonymization and encryption).
3. Securing ongoing availability, integrity and accessibility (including but not limited to ensuring appropriate back-ups of personal data are held).

We have put in place procedures to deal with any suspected personal data breach and will notify you and any relevant regulator of a breach where we are legally required to do so.

5. Cookies

1. 5.1 What Are Cookies?

Cookies are small amounts of data that are sent to your browser and stored on your computer’s hard drive to collect standard internet log information and visitor behavior information. When you visit CrepeToast, we can automatically collect information from you through cookies or similar technologies.

2. 5.2 How Do We Use Cookies?

We use cookies in a range of ways to make your experience on our Platforms more enjoyable, including but not limited to:

1. To keep you signed in.
2. To record your habits and preferences when browsing SharLife.
3. 5.3 How to Manage Cookies?

Most browsers are preset to accept cookies. You can adjust your browser setting to prevent cookies or to notify you as soon as cookies are loaded. However, stopping all cookies might mean that you cannot access or use some features.

6. Your legal rights

We hope to ensure that you are fully aware that you have the rights to data protection. Unless otherwise required by law or government orders, each user has the following rights:

1. Right of access to your personal data. This enables you to receive a copy of the personal data we hold about you and to check that we are lawfully processing it.
2. Right of access to your personal data. This enables you to receive a copy of the personal data we hold about you and to check that we are lawfully processing it.
3. Right of removal of your personal data. You have the right to request the erasure of your personal data under certain circumstances:
• Where there is no good reason for us to continue to process it.
• Where you have successfully exercised your right to object to processing (see below).
• Where we may have processed your information unlawfully.
• Where we are required to erase your personal data to comply with local law.

However, note that we may not always be able to comply with your request of removal for specific legal reasons which will be notified to you, if applicable, at the time of your request.

4. Right to object to the processing of your personal data. Under certain circumstances as required by Law or as specifically reminded by us, you have the right to object to the processing of your personal information. However, you understand that such an objection to the processing may prevent us from providing you with some of our services.
5. Right to the restriction of processing your personal data. Under certain circumstances as required by law or as specifically reminded by us, you have the right to request us to restrict the processing of your personal information. However, you understand that such restriction of the processing may prevent us from providing you with some of our services.
6. Right to transfer your personal data to you or to a third party. We will provide to you, or a third party you have chosen (where technically feasible), your personal data in a structured, commonly used, machine-readable format. Note that this right only applies to automated information which you initially provided consent for us to use or where we used the information to perform a contract with you.
7. Right to withdraw consent at any time where we are relying on your consent to process your personal data. However, this will not affect the lawfulness of any processing carried out before you withdraw your consent. If you withdraw your consent, we may not be able to provide certain products or services to you. We will advise you if this is the case at the time you withdraw your consent.

7. Glossary

Legitimate Interest means the interest of our business in conducting and managing our business to enable us to give you the best service/product and the best and most secure experience. We make sure we consider and balance any potential impact on you (both positive and negative) and your rights before we process your personal data for our legitimate interests. We do not use your personal data for activities where our interests are overridden by the impact on you (unless we have your consent or are otherwise required or permitted to by law). You can obtain further information about how we assess our legitimate interests against any potential impact on you in respect of specific activities by contacting us.

8. Contact us

We are committed to respecting the freedoms and rights of all our SharLife Users. Should you have any questions or concerns regarding this Privacy Policy, or if you would like to file a data protection request, please refer to our Support Page at https://www.sharlife.my/support.