Privacy Notice –DATA PROTECTION AND PRIVACY ACT

Credit Investment Bank (“CIB”) respects the privacy of its customers with regards to personal data. This Privacy Notice is issued in accordance with the Data Protection and Privacy Legislation Worldwide. We believe this Notice enables you to understand the following :-

• What kind of Personal Information* CIB collects and the ways of collecting it.
• How CIB Credit uses your Personal Information.
• The parties that CIB Credit discloses your Personal Information to.
• The choices that CIB Credit offers, including how to access and update the Personal Information.

*Note: “Personal Information” in this Privacy Notice refers to any information which relates directly or indirectly to you and/or your transactions with us. This information includes your name, address, occupation, contact details, the details of your account(s), the type of products and/or services subscribed to and such other necessary information regarding yourself and your transaction(s) with us.

When you apply for our products and services and/or purchase third party products and services distributed by us, you may be required to provide CIB with your Personal Information. In doing so, you consent to use of the Personal Information by CIB in accordance with this Privacy Notice.

1. Types of Personal Information which we collect and source of information

The types of information which we collect includes but is not limited to data and information pertaining to yourself such as your name, address, e-mail address (or other contact information), gender, passport number and occupation or nature of business. The information serves to establish your identity, background, as well as suitability of the products and services offered by CIB and our business partners, if applicable.

We may obtain this information from yourself and from a variety of sources, including but not limited to:

• through your relationship with us, for example information provided by you in application forms, when using our products or services.
• through your verbal, written and e-mail communications with us and/or our authorised agents;
• from an analysis of the way you use and manage your account(s)/facility(ies) with us, from the transactions you make and from the payments which are made to your account(s)/facility(ies);
• from third parties such as employers, credit reference information providers, agencies, and/or
• from such other sources in respect of which you have given your consent to disclose information relating to you and/or where not otherwise restricted.

2. How we use your Personal Information

CIB collects, uses, and/or processes your personal data for the following purposes:

• to process application for products offered by CIB and/or its business partners and/or services which you had subscribed for;
• to notify you about important changes/developments to the product/service features;
• to communicate with you including responding to your enquiries and/or complaints and resolving disputes;
• to comply with regulatory requirements and provide assistance to law enforcement agencies;
• to research and develop products and/or services;
• to administer and/or manage products and services to you;
• to improve and develop our services and quality assurance to you;
• to prevent, detect or prosecute cases of fraud/crime and comply with legal and regulatory obligations;
• to maintain your credit history for present and future reference (if deemed necessary), and
• to protect CIB’s interests and other related purposes.

3. Disclosure of your Personal Information

While CIB treats your Personal Information as private and confidential, the Personal Information may be disclosed, disseminated and/or transferred to the following :-

• Entities and business units within CIB, for the purposes of providing customers with latest marketing and promotional offers which may be of interest to customers;
• Licensees, business partners and third party service providers;
• Professional advisors including consultants, lawyers, accountants, auditors, bankers, rating agencies, trustees, insurers, auctioneers and brokers on a need to know basis for the purposes of providing their services/advices to us;
• Regulatory, government bodies or other authorities if required or authorised to do so to discharge any regulatory function under any law or in relation to any order or judgment of a court;
• Any relevant institution/party to facilitate your request/dealings in respect of the financial facilities, accounts, products and/or services obtained from CIB;
• Any parties authorised by you;
• Any person or corporation to whom CIB may transfer or propose to transfer any part of its interests, obligations, business and/or operations. subject at all times to any laws (including regulations, guidelines and/or obligations) applicable to CIB and further subject to your rights as stated in this notice.

4. Security measures adopted to protect Personal Information

The security of your information is our priority. CIB keeps, protects and processes your Personal Information in a secure manner by maintaining physical, electronic and procedural safeguards, in compliance with applicable regulations.

We ensure that access of CIB employees to the personal information which you have provided to us is limited to authorised employees who are trained in handling your information. These authorised personnel are required to ensure the confidentiality of your information and to respect your privacy at all times.

5. Retention of your Personal Information

CIB will retain your personal information in compliance with this Privacy Notice and/or the terms and conditions of your agreement(s) with CIBfor the duration of your relationship with us, for such period as may be necessary to protect the interests of CIBand/or its customers as may be deemed necessary, where otherwise required by the law and where required based on CIB’s relevant policies.

6. Your obligation to supply Personal Information

To enable us to process your application for products or services offered by CIB, you are required to provide Personal Information deemed necessary by CIBas indicated in application or service request forms. Should you decline to provide such obligatory personal information, we may not be able to process your application/request or provide you with our products or services.

7. Your rights to access and correct your Personal Information

Keeping your data and information accurate and updated is very important to us. You are responsible to ensure that the Personal Information which you provide to us is accurate, complete and not misleading and that such Personal Information is kept up to date.

You have the right to request for access to your Personal Information and to request for amendment/correction of your Personal Information by contacting us through the channels stated below in Clause 10 of this notice, if you have reason(s) to believe that your records with us are inaccurate, incomplete or not updated.

We will use reasonable efforts to comply with your request to access or correct your personal information subject to due verification and further communication with you. Please note that CIBmay have to withhold access to your personal information in certain situations, for example when we are unable to confirm your identity or where information requested for is of a confidential commercial nature or in the event we receive repeated requests for the same information. Nevertheless, we will notify you of the reasons for not being able to accede to your request.

Please also note that CIB may use its discretion in allowing the corrections requested and/or may require further documentary evidence of the new information to avoid fraud and inaccuracy.

8. Choices over the disclosure, retention and use of your Personal Information

Subject to Clause 6 above and the contractual rights and obligations of CIBunder relevant laws and regulations, you may exercise your choice in respect of the disclosure, retention and use of your Personal Information. Should you wish to do so, kindly contact us through any of the channels stated below in Clause 10 of this notice.

9. Revisions to Privacy Notice

CIB reserves the right to amend this Privacy Notice from time to time. Any updated version of this Privacy Notice is available on https://theworldwidecard.com/ and you may visit this website to get the latest information on the Privacy Notice periodically.

10. Contacting CIB on your Personal Information and this notice

Should you wish to request for access to your Personal Information, request for amendment/correction of such Personal Information or provide any feedback to CIB on this Privacy Notice, you may contact us at the following address, phone no. and/or e-mail :-

Credit Investment Bank Ltd Operations Department Marketing Office Office Suite 01, Level 7 Ilham Tower, No. 8, Jalan Binjai 50450 Kuala Lumpur F.T, MALAYSIA.

Tel:+603-2181 7700

E-mail: info[at]cibmy[dot]com