Dear Valued Membership Advisors / Members,

MetaFin Sdn Bhd ("MetaFin") is committed to comply with the Personal Data Protection Act 2010 ("the Act") which came into effect on 15th November 2013.

This Personal Data Protection Policy is in both Bahasa Malaysia and English. It will assist you to understand some basic questions including, amongst others, why and how do we collect your personal information, your rights to access these information, how to contact us and third party disclosure policy.

You may at your convenience review the details of any of your personal data which we have retained at our corporate head office located at A1201, Pusat Dagangan Phileo Damansara II, No.15, Jalan 16/11, Off Jalan Damansara, 46350 Petaling Jaya Selangor. For more information with regards to this Policy, you can review the latest updates at metafin.com.my

For further clarification, please do not hesitate to contact our office at +603-7721 2888 or email us at enquiries@metafin.com.my

Thank you for your continued support.

PERSONAL DATA PROTECTION POLICY

This Personal Data Protection Policy is issued to all our existing, immediate and/or prospective membership advisors and members pursuant to the Personal Data Protection Act 2010 ("the Act") which came into force on 15 November 2013.

1. Rights of Access

In the course of your dealings with MetaFin Sdn Bhd ("MetaFin"), we will require you to voluntarily provide data and information about yourself ("Personal Data") to enable us to deliver notices, services and / or other information in connection with our existing and future membership programs, new membership program launches and incentive campaigns.

MetaFin will follow in accordance to the s. 30(4) of the Act, where any separate entries in respect of personal data held for different purposes, a separate data access request shall be made for each separate entry.

2. Personal Data

The Personal Data may include, but not limited to, information concerning your name, date of birth, identity number, passport number, address, gender, race, nationality, photographs and videos, contact information, e-mail address, education, occupation, telephone or fax number, your previous addresses and preferred mode of communication, religion, credit card details, bank account number and other information where permitted by applicable law.

For sensitive personal data, explicit consent has to be obtained from the individual for processing of the personal data. Sensitive personal data refer to any personal data that contains any of the following attributes:

1. Physical or mental health
2. Political Opinions
3. Religious Beliefs
4. Commission or alleged commission of any offense or any other personal data as determine by the minister

3. Purpose

The Personal Data may be collected, processed and used for one or more of the following purposes:

1. to process your application or request for our membership program;
2. to send you information by e-mail, telephone calls, SMS or social network applications or internet social media about the membership programs, services and incentive campaigns offered by MetaFin and selected third parties that we think may interest you while we maintain control over your Personal Data;
3. for the delivery of notices, services or other information and the marketing of such services or membership programs whether present or future, to you;
4. to conduct marketing and client profiling activities regarding our latest membership programs, services and/or incentive campaigns;
5. for our internal record keeping and maintenance of member records;
6. for insurance and risk management purposes;
7. for billing, accounting and financial purposes, including recovery of any debt owing to us;
8. to meet any legal or regulatory requirements imposed on us;
9. to facilitate any subsequent commercial transactions in relation to any incentive campaigns, membership programs and/or services; and/or
10. for any other purpose that is required or permitted by any law, regulations, guidelines and/or relevant regulatory authorities.

We will seek your prior agreement, consent and authorization in the event we intend to use your Personal Data for a purpose other than those that are set out above and in the privacy terms, if any, in your agreement(s) with us.

4. Source

The Personal Data will be legitimately and transparently obtained via the following manner:

1. official registration forms (either electronic or printed) or any other promotional events;
2. official Request for Information forms that are provided to you by our employees or membership advisors;
3. any emails or any correspondences that we have received from you requesting for information or making any inquiries;
4. any forms that you have submitted onto our website or any websites contracted by us;
5. any referral from any person which have included his/her verifiable personal contact details;
6. Business cards that were dropped or given to our employees or associates; and/or
7. any documents (including, but not limited to, statutory forms and returns) that were submitted to us for processing.

At no time will any Personal Data be in any way commercially acquired, without your prior consent, from a source other than those that are set out above, such as through the purchase or trading of illegitimate and illegal Personal Data databases or lists.

5. Rights of Access

You have the right to request access to and if required, correction of your Personal Data in our records. You have the right to:

1. request access to your Personal Data in our records for verification purposes. You may access and review all of your Personal Data held by us, in person, at our corporate offices located at the address given in (g) below;
2. request the correction of your Personal Data in our records in the event the information is inaccurate, misleading, out-of-date or incomplete, upon validation and verification of the new information provided in person, at our corporate offices located at the address given in (g) below;
3. request that your Personal Data shall only be used for the fulfilment of the purpose of the collection of such information;
4. request for proof of policy and procedure in relation to the safeguard and guarantee of your Personal Data in our records;
5. request that we specify or explain our policies and procedures in relation to data and types of Personal Data handled by us; and
6. communicate to us your objection to the use of your Personal Data for marketing purposes whereupon we will not use your Personal Data for these purposes, in person, at our corporate offices located at the address given in (g) below.
7. If you wish to make a request to access, review, amend and correct your Personal Data, you may do so by submitting such request via post, email or facsimile transmission to the following address:
   
   Database Department
   
   MetaFin Sdn Bhd
   
   A1201, Pusat Dagangan Phileo Damansara II,
   
   No 15, Jalan 16/11, Off Jalan Damansara,
   
   46350 Petaling Jaya, Selangor Darul Ehsan
   
   Telephone Number: 03-7721 2888
   
   Facsimile number:03-7721 2889
   
   Email: enquiries@metafin.com.my

6. Disclosure

In the course of conducting, management and/or operation of our business, we may need to disclose your Personal Data to the following classes of persons:

1. any related companies and/or associates of MetaFin, including those incorporated in the future;
2. our business partners and affiliates that provide related services or products in connection with our business;
3. our auditors, consultants, lawyers, accountants or other financial or professional advisers appointed in connection with our business;
4. our third party service providers, third party management companies, sub-contractors or other parties as may be deemed necessary by us to facilitate your dealings with us; and/or
5. our appointed service providers in relation to our membership programs, for the purposes of delivery of admission gifts and services.

The Personal Data provided to us will otherwise be kept private and confidential at all times and they will not be sold, given to, or otherwise shared with any third parties other than those that are set out above for commercial or any other purposes without your prior consent, subject at all times to any present or future laws, regulations, directions, court orders, by laws, guidelines, codes applicable to us (whether in or outside Malaysia).

Third parties are legally tasked with processing your Personal Data in line with principles specified by MetaFin. Third parties are also held legally responsible for securing your Personal Data at an appropriate level of security in accordance to applicable data protection laws and widely accepted industry standards.

You may at any time withdraw or amend, in full or in part, your disclosure consent given previously, in each case subject to any applicable legal restrictions, contractual conditions and a reasonable time period, in person, at our corporate offices located at the address given in 5(g) above.

7. Limit Processing of Personal Data

The Personal Data provided to us undergoes processing as and when required or upon scheduled maintenance. The definition of processing defines it as "any operation or set of operations which is performed upon Personal Data, whether or not by automatic means, such as collection, recording, organization, storage, adaptation or alteration, retrieval, consultation, use, disclosure by transmission, dissemination or otherwise making available, alignment or combination, blocking, erasure or destruction".

You have the right to limit, in full or in part, any of the processes by which your data is subjected to in terms of the operations allowed to be performed upon it, the period of time allowed for the performance of these operations or alternatively the deadline of the consent given.

MetaFin shall be responsible for determining the purposes and means of the processing of Personal Data.

You may at any time withdraw or amend, in full or in part, your processing consent given previously, in each case subject to any applicable legal restrictions, contractual conditions and a reasonable time period, in person, at our corporate offices located at the address given in 5(g) above.

8. Failure/Refusal

The Personal Data provided to us are wholly voluntary in nature and you are not under any obligation or under any duress to do so. The failure to provide the Personal Data may result in any one or more of the following, which we shall not be held liable for any of the consequences arising therefrom:

1. our inability to provide you with the information, services and/or products requested;
2. our inability to update you with the latest membership programs, services, incentive campaigns, product and/or launches; and/or
3. our inability to comply with any applicable law, regulation, direction, court order, by laws, guidelines and/or codes.

9. Protection

Your Personal Data will be kept and processed in a secured manner. The appropriate administrative and security safeguards, policies and procedures will be implemented, as far as practicable, in accordance to the applicable laws and regulations. We will, as far as practicable, aim to prevent any unauthorized and/or unlawful processing of, and the accidental loss, destruction or damage to your Personal Data.

MetaFin is committed to taking appropriate technical, physical and organisational measures to protect your Personal Data against unauthorised access, unlawful processing, accidental loss or damage, and unauthorised destruction.

To safeguard against unauthorised access to your Personal Data by any third parties, all electronic Personal Data held by MetaFin is kept, maintained and/or processed on systems that are protected by secured networks. MetaFin and its related entities limit the access to any internal systems that hold Personal Data to a select group of authorised users through the use of unique identifiers and passwords. Access to Personal Data is strictly limited, provided only on a need basis, to relevant users for the purposes of performing their official duties.

Compliance with these provisions will be required of all third-party administrators who may access your Personal Data, as described under the 'Disclosure of Personal Data' in Section 6 above.

10. Language

In accordance to Section 7(3) Personal Data Protection Act 2010, this Policy is issued in both Bahasa Malaysia and English languages. In the event of any inconsistency, the English language version of this Policy shall prevail.

11. How to Contact Us:

If you require any clarification on this Policy, you may:

1. email us at: enquiries@metafin.com.my;
2. post or fax your queries to the address given in 5(g) above.

12. Changes to this Policy

MetaFin may need to modify, update and/or revise this Personal Data Protection Policy from time to time, for example, to comply with changes in business operations or laws and regulations. In any case, the latest version of this Policy will be made available on metafin.com.my at all times and accordingly, you may periodically review this website to obtain the latest information on MetaFin's privacy practices.

1. I declare that I have attained eighteen (18) years of age and I agree to be bound by the terms and conditions of the Program more particularly stipulated in the Program leaflet.


2. Payment for the Program / Membership Fee of the Program shall be according to the accompanying payment optionsoption form and I agree to be bound by the terms thereof.


3. In the event of a third party's credit card/debit card(s) being used for purpose of payment for the Membership Fee, I shall obtain authorization condoning such usage by causing the third party credit card/debit card authorization section. I understand that MetaFin will discharge their liability from any legal action arising from this request and that I shall be fully responsible for any claims arising in any.


4. I acknowledge that this application is subject to a cooling-off period of ten (10) working days from the date of receipt by MetaFin of this application ("the Cooling Off Period"). I acknowledge that I shall be entitled to a refund of the Membership Fee provided I return the Program Welcome Pack (if any) to MetaFin and that I have not utilized any of the benefits of the Program.


5. In the event that I have utilized any part of the Program and/or the Program Welcome Pack is incomplete or is not in a reusable condition, MetaFin shall be entitled to deduct a sum of money to the equivalent cost of usage of such part of the Program and/or the cost of the Program Welcome Pack, as the case may be


6. I acknowledge that cancellation of my membership in the Program is strictly not allowed after the cooling-off period and that MetaFin shall not be liable to refund to me any portion of the Program Fee / Membership Fee.


7. For a credit card/debit card(s) declined transaction towards the payment of the Membership Fee for whatsoever reasons, the Program benefits and insurance policy will automatically be cancelled. The insurer and PHM shall not be liable for any claims incurred thereafter. MetaFin has the right to terminate the Membership with immediate effect. Any cost incurred will automatically be charged to the applicant's assigned credit card/debit card as indicated in the payment instruction form.


8. I acknowledge that the terms and conditions herein shall be governed by the laws of Malaysia.


9. MetaFin reserves the right at its own discretion to vary, delete or add to any of these terms and conditions and/or terms and conditions of the Program from time to time.


10. Any information that has been declared on any of the forms is to my best knowledge. I have fully disclosed and did not withhold any material information that is relevant to the application. It is my duty to inform MetaFin or the respective Advisor to update any information about me. Such omission will be borne by me.


11. MetaFin reserves the right at its own discretion to vary, delete or add to any of these terms and conditions and/or terms and conditions of the Program from time to time. Please refer to our website at metafin.com.my for any latest updates on ANY amendments.


12. I acknowledge that I am NOT selling and promoting insurance products. I am promoting Membership Products offered by MetaFin platform to my customers.


13. I acknowledge that the protection portion of the membership product(s) is managed by:
    
    1. Corporate Agency: Pathlab Healthcare Management (M) Sdn Bhd
    2. eHomeSavers Easy: Underwritten by Tune Insurance Malaysia Berhad
       Company No.: 197601004719 (30686-K)
       Distributed by “registered company name” as the authorised agent registered with PIAM


14. Upon my submission of this application to MetaFin, I hereby agree to be bound by the terms stipulated above.

THIS CONTRACT IS SUBJECT TO A COOLING-OFF PERIOD OF TEN WORKING DAYS

CONSENT TO RELEASE CONFIDENTIAL INFORMATION

I hereby authorize MetaFin Sdn. Bhd. "(MetaFin)" and if required Pathlab Health Management (M) Sdn. Bhd. "(PHM)", MediSavers Management Sdn. Bhd. "(MSM)" to have access to my medical records, laboratory test results and any other medical information (collectively "the Information"). I understand MetaFin, PHM and MSM will treat the Information as confidential and will not disclose it to any third party except (i) to medical personnel for the purpose of medical treatment where I am unable to make disclosure promptly; and (ii) to any insurance company (a) if required by the terms of any policy effected under the Program, or (b) in connection to any claim pursuant to such policy, but only if, in the sole and absolute discretion of MetaFin, such disclosure is warranted.

1. I hereby authorize Pathlab Health Management (M) Sdn. Bhd. (PHM) or its authorized collection agent iPay88 / MolPay (RazerPay) to charge to my above-indicated credit card/debit card(s) the applicable Membership Fees payable for MetaFin Sdn Bhd.


2. eHomeSavers Easy Program and the renewals thereof.


3. In the event of changes in the Membership Fee due to change of age band and / or revision to the Membership Fee and / or revision to the Insurance Premium imposed by the Insurance Underwriter(s), I hereby authorize MetaFin to charge the above credit / debit card(s) indicated above with the amount being the revised rates.


4. In the event, that credit card/debit card(s) payment is declined for whatsoever reasons, the Membership benefits and Insurance Policy will automatically be cancelled. The Insurance Underwriter(s), PHM and/or MetaFin shall not be held liable for any claims incurred thereafter and I hereby agree to indemnity and keep the said parties indemnified against any liabilities and/or claims which might arise after such cancellation.


5. MetaFin reserves the right at its own discretion to vary delete or add to any of these terms and conditions from time to time.

I/We understand that it is my/our duty to take reasonable care not to make a misrepresentation in answering the questions in this Application and I/we hereby declare that I/we have fully and accurately answered the questions above.

I/We agree that any personal information collected by the Company may be held, used and disclosed by the Company to individuals/organizations, affiliates related to and associated with the Company or third parties (within or outside of Malaysia), including reinsurance and claims investigation companies and industry associations/federations) for processing this application and providing subsequent service for this application and to communicate with me/us for other products and services. I/We understand that I/We have a right to access and request the correction of my/our personal information held by the Company. Such request can be made to the Company’s Customer Service Center.

I/We agree that my/our personal information collected or held by the Company may be disclosed by the Company to any selected third party for the purposes of cross marketing, direct marketing and data matching by the said third-party. I/We understand that I/We have a right to access and request the correction of my personal information held by the Company. Such request can be made to the Company’s Customer Service Centre.

1. I hereby authorize Pathlab Health Management (M) Sdn. Bhd. (PHM) or its authorized collection agent iPay88 / Razer Merchant Services (RMS) to auto charge my Membership Renewal Fee payable for MetaFin Sdn Bhd at the expiry of each anniversary of my prevailing Membership by charging the Credit Card indicated above.
2. I understand that the Membership Fee during renewal may vary due to change of age band / or revision to the Membership Fee and / or revision to the Insurance Premium imposed by the Insurance Underwriter(s).
3. This authorization shall remain valid and in effect until cancelled by myself in writing to MetaFin Sdn. Bhd. at least Sixty (60) Days prior to the expiry of my prevailing Membership.
4. Notwithstanding the above instructions, I agree that my Membership may be terminated if the Membership Fee is not paid when due.
5. I agree to inform MetaFin in writing of any changes pertaining to lost / stolen / termination / cancellation or change of credit card at least 14 days before the renewal expiry date.