Public Gold MY
Privacy Policy

Scope of Notice

1. This Privacy Notice applies to information, including personal data, collected about you by Public Gold and its affiliates (“Company”) (“PGG”), referred to in this statement either individually or collectively as “the company”, “we”, “our” or “us”.
2. Personal data is information extracted from commercial transactions that can reasonably identify you.
3. This Privacy Notice outlines the personal data collected by the company online through our website or Application, as well as offline through our products and services offered over the counter, by the company’s Customer Service Representatives, and/or the company’s sales and marketing team.

Our Privacy Commitment

1. This Privacy Notice is issued to inform you of the Company’s commitment to the policy of always protecting the confidentiality, integrity and security of the information provided by you to us as we recognize the importance of the personal information we hold about customers and the trust they place in us.
2. Your data is classified as confidential and can only be disclosed by us were authorized by you, permitted by any laws, (including regulations, standards, guidelines and/or obligations) applicable to the Company.

Source for Collection of Your Personal Information

1. We will collect information from a variety of sources including the sources mentioned below, which may constitute personal data and/or *sensitive personal data which are relevant to our business relationship with you:
   
   1. 1. Information we collect from you directly in person when you:
         • Apply for products or services, open an account, make deposits into or withdrawals from your account, pay your bills or apply for financing or use your credit or debit card;
         • Speak to us over the phone or personally including the process of selling or marketing a product or service to you or when you call in for enquiries and/or through our telemarketing calls; and
         • Visit our sites, use our services, view our online advertisements.
      2. Information we collect about you from other sources without your direct involvement were permitted by law:
         • From Credit Reference Agency for credit assessment when considering credit applications; and
         • From any court order or regulatory body having authority over the Company or any law enforcement agency to consider the opening/maintaining of your accounts with us.

    

   1. * Sensitive personal data includes information about your physical and mental health, political opinions, religious beliefs or criminal records.

Collection of Personal Information

1. The type of personal information collected varies depending upon the type of products and services you seek and collection may begin before your take-up or upon signing up or depending on the way you access and use our products and services. Information collected will include:
   
   1. Information that identifies you:
      • Your name, salutation/title, address and other contact information such as telephone number, mobile number, etc.;
      • Your age, gender, date of birth, race, citizenship, marital status, particulars of identity documents such as identity card or passport, where applicable;
      • Your education and employment details;
      • Information captured on security systems [including a recording of your image on Closed Circuit Television (“CCTV”)];
      • Names and particulars of the authorized officers, directors, shareholders, beneficial owners, business registration, country of incorporation and financial or commercial dealings of the company, where applicable;
      • Date of call to the Bar (applicable to lawyers only);
      • Relationship with other data subject/third parties; and
      • Goods and Services Tax registration number (for tax input purposes).
   2. Information about your financial position:
      • Sources of income, expenses, savings, assets, liabilities, investment portfolio and borrowing history;
      • Account number/Income tax number;
      • Latest audited/management financial statements;
      • Credit reports from credit reporting agencies, daily reconciliation reports; and
      • Opinions from other Companies about your creditworthiness.
   3. Information about your intended use of our products or services.
   4. Information about your opinion about products, services or staff.
2. Under certain circumstances, we may also collect sensitive personal data if:
   
   1. We need it to provide you with a specific product or service; or
   2. You are applying for employment with us.

Personal Information about third parties

If at any time you supply us with personal information about another person, you should ensure that you are authorized to do so and you agree to inform that person who we are, that we may use and disclose that personal information and that they may gain access to it should we hold that information.

Use of Personal Information

1. Although, the primary purpose of collecting your information is for its use in the normal course of the general business between the Company and you, the said information may also be applied for purposes incidental to and connected with the said primary purpose including but not limited to the following:
   
   1. Provision of financial Companying and other related services and credit facilities to you;
   2. Offering, cross-selling and marketing products and services of PG group and companies and its affiliates who are PG Jewel Sdn. Bhd., PG Mall Sdn. Bhd., Public Safe Sdn. Bhd;
   3. Conducting credit and other status checks at the time of application and periodically during the tenure of the credit to ensure ongoing creditworthiness of customers;
   4. Creating and maintaining the Company’s credit scoring and risk related models;
   5. Provision of reference (status enquiries);
   6. Maintaining credit history of customers;
   7. Assisting other financial institutions to conduct credit checks;
   8. Customizing and improving financial services or related products for customers’ use;
   9. Internal monitoring and control, including but without limitation to determining amounts owed to or by customers;
   10. Enforcement of customer’s obligations, including but without limitation to the collection of amounts outstanding from customers and other parties having liability to the Company;
   11. Where disclosure is required under any law, rule, regulation, court orders or any guidelines issued by a regulatory body having authority over the Company or any law enforcement agency;
   12. Enabling an actual or proposed assignee of the Company, or participant or sub-participant of the Company’s rights in respect of the customer to evaluate the transaction intended to be the subject of the assignment, participation or sub-participation;
   13. Research and statistical analysis (including behavioral analysis);
   14. Engaging with legal firms to perfect the Company’s security documentation for customer’s loans and advances;
   15. Process lawyer’s data to enable the Company to evaluate their suitability to be appointed to the Company’s Panel of Solicitors;
   16. Assist authorized vendors to perform onsite maintenance and support for IT systems and equipment;
   17. Due diligence check for employees, suppliers, vendors, IT hardware and software providers before contracting their services or purchasing their products;
   18. Design and organize campaigns/promotions/events for customers’ participation including the process of selecting winners, distribution/delivery of gifts and prize-giving ceremonies;
   19. Retrieving, recording and storing for internal/external audit purposes;
   20. To satisfy the terms and conditions of employment contracts with the Company;
   21. The administration and management of salary, medical and other employment benefits; and
   22. CCTV footage may also be used for the following purposes:
       • For quality assurance purposes;
       • For public safety and security;
       • Detecting and deterring suspicious, inappropriate or unauthorized use of our facilities, products, services and/or premises;
       • Detecting and deterring criminal behavior; and/or Conducting incident investigations.

Consent

1. We only collect personal information about you that is necessary to perform our functions and activities. If you do not provide this information or consent to certain use of your personal information, we may not be able to provide you with the product or services that you want or process your application for employment or facilities or establish any business dealings with you.
2. In most cases, before or at the time of taking out a new product or applying for a facility(ies) or applying for employment with the Company, (or if that is not practicable, as soon as practicable thereafter) we will obtain your consent for the purposes for which it is intended to be used and to disclose your personal information.
3. Your consent can be expressed verbally or in writing or implied by your actions.

Data Confidentiality and Sharing of Personal Information

1. We may share your personal information with the Affiliates to offer you products and services of the Company and the Affiliates that may interest you. To enable us to do the same, we will obtain your consent and only share your personal information for the purposes to which you have agreed.
2. Data (except data already in the public domain) held by the Company relating to you will be kept confidential, but we may need to share your personal information in the normal course of general business and connected with the primary purpose for which your information was collected with the following parties, subject at all times to any laws (including regulations, standards, guidelines and/or obligations) applicable to us:
   
   1. The Company and its affiliates;
   2. Any agent, contractor, developer, third-party service provider, financial guarantee provider, adviser, liquidators/ Receivers & Managers, auditors, auctioneer, vehicle dealers/distributors/traders/manufacturers or consultant who provides administrative, telecommunications, electronic payment, data processing and analysis, payment, securities clearing, debt collection, valuation, insurance, research, legal, financial, accounting, taxation, audit or refers business to us or other services to the Company;
   3. Any other person who has expressly or impliedly undertaken to keep such information confidential or otherwise is under a duty of confidentiality to the Company;
   4. Any financial or other institution, credit charge or other card company with which the customer has or proposes to have dealings;
   5. Any party jointly with whom the Company launches, organizes or offers any product, function or service and any other party having business arrangements with the Company in connection with the services, products, customer feedback survey and functions offered or organized by or through the Company;
   6. The drawee Company providing a copy of a paid cheque (which may contain information about the payee) to the drawer;
   7. Credit reporting agencies, and, in the event of default, to debt collection agencies;
   8. Any person, which is required by law, rule, regulation, court order and under any guidelines issued by regulatory or other authorities;
   9. Any party giving or proposing to give a guarantee or third party security to guarantee or secure the customer’s obligations;
   10. Any party making any request mentioned in paragraph 6.1 (k) above;
   11. Any actual or proposed assignee of the Company or participant or sub participant or transferee of the Company’s rights in respect of the customer;
   12. Marketing campaigns prize winners’ names to the media and Company’s website; and
   13. Legal and other professional advisers of any party mentioned in item 8.2 (a) to (l) above.

International Transfers

1. As we may operate regionally, personal information may be processed and disclosed as described above in any country in which we conduct business or have a service provider under this Privacy Policy if:
   
   1. You have given consent to the transfer;
   2. The transfer is necessary for the performance of a contract between you and the Company;
   3. The transfer is necessary for the conclusion or performance of a contract between the Company and a third party which is entered into at your request or is in your interest;
   4. The transfer is for any legal proceedings or to obtain legal advice or for establishing, exercising or defending legal rights;
   5. The Company has reasonable grounds for believing that in all circumstances of the case that:
      
      1. The transfer is for the avoidance or mitigation of adverse action against you;
      2. It is not practical to obtain your consent in writing to the transfer;
      3. If it is practical to obtain such consent, you would have given your consent.
   6. The Company has taken all reasonable precautions and exercised all due diligence to ensure that your personal information will be processed in that place following Malaysian law;
   7. The transfer is necessary to protect your vital interests; or
   8. Where the Government deems that the transfer of your personal information is necessary for the public interest.
2. Our Privacy Notice and our practices are designed to provide a consistent level of protection for personal information. This means that even in countries whose laws provide for less protection for your information, the Company will still handle your information in the manner described here.

Personal Information Security

1. The Company is committed to protecting the security of your personal information by implementing adequate and stringent security controls, measures and protocols in line with existing industry practices and legal requirements to safeguard and secure your personal information against any loss, misuse, modification, unauthorized or accidental access or disclosure, alteration or destruction.
2. To achieve this objective, regular reviews of the risks to personal information would be conducted and any security flaws or weaknesses identified would be promptly addressed and rectified.
3. We employ security measures regardless of the media on which information is stored (paper, computer disks, etc.), the systems which process it (microcomputers, mainframes, voice mail systems, etc.), or the methods by which it is moved (electronic mail, face-to-face conversation, etc.). Such protection includes restricting access to information on a need-to-know basis. The Company devotes sufficient time and resources to ensure that information is properly protected.
4. As a source of reference for the Company’s information security needs, information security policies, standards and procedures are fully documented and maintained. All employees, including recruits, are educated as to their obligations regarding your personal information. Consultants or other external parties contracted to carry out work for the Company must also conform to these requirements and where appropriate, are also bound by non-disclosure agreements to ensure the confidentiality of the Company’s information assets.
5. We also require you to help us by complying with the security measures designed to protect your identification numbers and passwords by keeping them secret and confidential. These are set out in the terms and conditions of your account. You may be able to limit your liability for unauthorized use of your account if you observe these requirements.
6. If we no longer require your personal information, after the expiry of the relevant retention period, we will take reasonable steps to destroy it securely or remove identifying features from it.

Personal Information Accuracy

1. The Company will take all practicable and reasonable steps to ensure that your personal information is accurate, complete and up-to-date.
2. You can help the Company to keep accurate and up-to-date records by informing us in writing of any changes so that records on you could be updated promptly.

Access to Personal Information

1. As a customer, you can exercise the following rights:
   
   1. To check whether the Company holds personal information about you and have access to such data;
   2. To require us to correct any data relating to you which is inaccurate; and
   3. To ascertain our policies and practices to your data and to be informed of the kind of personal data held by us.
2. The Company reserves the right to charge a reasonable fee for the processing of any data access request.
3. Concerning the rights of individuals, the person to whom requests for access to data or correction of data or information regarding policies and practices and kinds of personal data held, or privacy complaints, your request should be made personally as follows:
   
   1. Visit your account holding branch; or
   2. Write and post your request to:
      Manager
      Business Development Department
      Plot 21, Technoplex, Medan Bayan Lepas,
      Taman Perindustrian Bayan Lepas Phase IV,
      11900 Bayan Lepas, Penang

Direct Marketing/Telemarketing

1. The Company may with your consent use your personal information to provide you with the Company’s offers, newsletters and marketing materials/information about products, services or other events that may be of interest to you.
2. If at any time you choose not to receive such marketing information from us, you may instruct us not to send you any further such material as follows:
   
   1. Visit your account holding branch; or
   2. Write and post your request to:
      Manager
      Business Development Department
      Plot 21, Technoplex, Medan Bayan Lepas,
      Taman Perindustrian Bayan Lepas Phase IV,
      11900 Bayan Lepas, Penang
3. We will process your instruction as soon as practicable.

Website Links

Please note that our Company’s website may contain hyperlinks to other sites that are not affiliated with the Company. The hyperlinked websites may or may not meet the same privacy standards that we set for ourselves and you are to take care to understand and evaluate their particular privacy standards and procedures. A link to such websites is not an endorsement of the contents of such websites and makes no warranties as to the information contained in such websites.

Changes to this Privacy Notice

The Company will occasionally update this Privacy Notice to reflect changes to our policies, processes and systems to handle your personal information. When we post changes to this notice we will revise the “Last updated on” date on the front page of this notice. We encourage you to periodically review this notice.