1. Introduction
Kukuh Capital ("we", "us", "our") is committed to protecting the personal data of our clients, prospective participants, and website visitors. This Privacy Policy governs how we handle personal information in connection with our financial education services and this website.
Our data handling practices comply with the Personal Data Protection Act 2010 (PDPA 2010) of Malaysia. If you have any questions about this policy, please reach out to us at privacy@kukuhcapita.
2. Data Controller
The data controller responsible for your personal information is:
- Business Name: Kukuh Capital
- Address: 10 Jalan Wan Kadir, Taman Tun Dr Ismail, 60000 Kuala Lumpur, Malaysia
- Phone: +60 3-2983 6147
- Email: privacy@kukuhcapita
3. Personal Data We Collect
We collect personal data you provide voluntarily when you enquire about or enrol in our programmes, or when you use this website.
Information you provide directly:
- Full name and preferred name
- Email address
- Phone number
- General enquiry or message content
- Programme preferences or scheduling information
Information collected automatically:
- Browser type, device type, and operating system
- IP address (anonymised where possible)
- Pages visited and session duration (via analytics cookies, if consented)
- Referring website or source
4. How We Use Your Personal Data
We use your information only for the purposes described below, each supported by a legitimate legal basis under PDPA 2010:
| Purpose |
Legal Basis |
| Responding to enquiries and service requests |
Contract performance / Consent |
| Scheduling and delivering our education programmes |
Contract performance |
| Sending programme materials and workbooks |
Contract performance |
| Sending service-related communications |
Legitimate interest |
| Improving our website and content (analytics) |
Consent (via cookie preference) |
| Complying with legal and regulatory obligations |
Legal obligation |
We do not use your personal data for automated decision-making or profiling.
5. Data Retention
We retain your personal data only for as long as necessary:
- Active client records: Retained for the duration of the programme plus 3 years after completion, to support follow-up consultations and records accuracy.
- General enquiry data: Retained for 12 months from the date of enquiry, then securely deleted.
- Analytics data: Aggregated and anonymised; not retained in identifiable form.
- Financial records (where applicable): Retained for 7 years in compliance with Malaysian accounting regulations.
6. Sharing Your Personal Data
We do not sell or rent your personal data to third parties. We may share information only in the following limited circumstances:
- Service providers: Third-party tools we use to operate our website or deliver sessions (e.g., video conferencing platforms, email services). These providers are contractually bound to protect your data.
- Analytics platforms: If you have consented to analytics cookies, anonymised usage data may be shared with analytics providers such as Google Analytics.
- Legal compliance: Where required by Malaysian law, court order, or regulatory authority.
- Professional advisers: Our legal or accounting advisers, subject to professional confidentiality obligations.
7. Data Security
We apply appropriate technical and organisational measures to protect your personal data against unauthorised access, loss, or misuse. These include:
- Encrypted data transmission (HTTPS/TLS)
- Access controls limiting data to authorised personnel only
- Secure storage practices for both digital and physical records
- Regular review of data handling procedures
In the event of a data breach that poses risk to your rights, we will notify affected individuals and, where required, the relevant authorities in accordance with PDPA 2010 obligations.
8. Cookies and Tracking
This website uses cookies to support basic functionality and, with your consent, to understand how visitors engage with our content. Cookie categories include essential, analytics, marketing, and preference cookies.
You can manage your cookie preferences at any time. For full details, please read our Cookie Policy.
9. Your Rights Under PDPA 2010
As a data subject under Malaysian law, you have the following rights regarding your personal data:
Right of Access
Request a copy of the personal data we hold about you.
Right of Correction
Request corrections to inaccurate or incomplete personal data.
Right to Withdraw Consent
Withdraw consent for processing at any time, without affecting lawfulness of prior processing.
Right to Limit Processing
Request that we stop processing your data for certain purposes, such as direct communications.
Right to Prevent Distress
Object to processing that is likely to cause you damage or distress.
Right to Complain
Lodge a complaint with the Personal Data Protection Commissioner of Malaysia.
To exercise any of these rights, please contact us at privacy@kukuhcapita. We will respond within 21 days.
10. Third-Party Links
Our website may contain links to external websites, including financial regulators, public resources, or partner organisations. We are not responsible for the privacy practices of those websites and encourage you to review their policies independently.
11. Children's Privacy
Our services are designed for adults aged 18 and above. We do not knowingly collect personal data from individuals under 18. If you believe a minor has provided us with personal information, please contact us immediately and we will delete such data promptly.
12. International Data Transfers
Where any of our service providers process data outside Malaysia, we take reasonable steps to ensure equivalent data protection standards apply, consistent with the requirements of PDPA 2010 and any applicable data transfer regulations.
13. Changes to This Policy
We may update this Privacy Policy periodically to reflect changes in our practices, technology, or legal obligations. When we do, we will revise the "Last Updated" date at the top of this page.
Continued use of our website or services following any update constitutes your acknowledgement of the revised policy. For significant changes, we will endeavour to provide a more prominent notice.
14. Contact Us
For any privacy-related questions, requests, or concerns, please reach out:
- privacy@kukuhcapita
- +60 3-2983 6147
- 10 Jalan Wan Kadir, Taman Tun Dr Ismail, 60000 Kuala Lumpur, Malaysia