In the page below, well try our best to make sure that you are crystal clear on how we might use your data. So, youll find both the legalese version of our agreement on the left, and some helpful real talk language on the right.
Above all else, we promise to be transparent about where your information is going and how its being used. We realize that radical transparency may not be what youre used to when dealing with finance companies, but for us its everything. Thats why we will never sell your information to anyone, ever. That means youll never receive unsolicited telemarketing calls from us. We only share your information with our lending partners with your consent.
Last Revised: November 2016
SMIFunding.com (“SMIFunding”) view and treat your Personal Data seriously.
The specific Personal Data you are requested to submit through our Website, may vary depending on the financial product you require a price for. In any event, the Personal Data requested is necessary for the purpose of providing you with the product you are searching for.
Furthermore, in some cases, it is necessary for us to disclose and forward your Personal Data to the Financial Services Provider that you select by clicking on the “How to Apply” button on our Website (the “Selected Financial Services Provider”) and the Selected Financial Services Provider may contact you for the purpose of processing the product or service in an easy way from the Selected Financial Services Provider.
We try to make the use of our Website and services as easy and convenient as possible. To increase your user-experience of our Website, we may also collect certain Personal Data such as the type of financial products you are searching for, how you are searching for the financial products. We may use this information to personalise and manage our Website for you and to display advertising that you may find interesting.
You have the option to create an account through our Website. If you create an account with us, we will collect the following information: your name, your email and all other information you agree to provide us at the time of creating your account or subsequently. In order for you to easily repeat your searches, we will collect your search history and the Personal Data you have provided to us to generate the quote.
If you only perform an ad hoc search through our Website without creating an account with us, we will collect your IP address, timing of accessing our Website, your device, duration of your visit and track the usage of our Website. In order to prevent or fix problems with our software, we may collect some technical information from your browser.
Collection and Use of Personal Data
Personal Data that SMIFunding may collect
When you register to become a user of SMIFunding’ website, we may collect a variety of your Personal Data, which may include your:
National registration identity card number;
Race and religious beliefs;
Telephone number (home, mobile, office);
Social Media account Username;
Frequency of travel;
Mobile line / Carrier provider;
Smartphone brand preferences;
Banking needs & preferences;
Preferred media channels.
Insurance needs & preferences
Investment preferencesThe list of personal data stated above is not exhaustive and may include other personal data depending on the nature of dealings or transaction.
How SMIFunding use your Personal Data
Your Personal Data that SMIFunding collect allows us to process the necessary transaction in relation to our services that you have opted for. The collection of such data is also used in order for us to provide an optimized and customized user experience for our website users.
Your Personal Data that SMIFunding collect allows SMIFunding to keep you posted on SMIFunding' latest service or product announcements and upcoming events. It also helps SMIFunding to improve on our products and services. From time to time, SMIFunding may use your Personal Data to send important notices, emails, letters or sms, like communications about purchases and changes to SMIFunding’ terms, conditions, and policies. If you do not wish to be on our mailing list, please let SMIFunding know in writing. As such information is crucial to your custom with SMIFunding, you ought not to opt out of receiving such communications.
SMIFunding may also use your Personal Data for internal purposes such as auditing, data analysis, and research to improve SMIFunding' products, services and customer communications. SMIFunding may also share, trade or sell your Personal Data to third party providers that provide services such as marketing research, direct marketing, information processing, extending credit, fulfilling customer orders, delivering products to you, managing and enhancing customer data, providing customer service, assessing your interest in SMIFunding’ products and services and conducting customer research or satisfaction surveys.
SMIFunding may also disclose your data to third parties such as enforcement agencies or governmental departments pursuant to the requirements of the law or to comply with any court order.
Protection of Personal Data
SMIFunding takes the necessary precautions, both administrative and technical to safeguard your personal information against loss, theft, misuse and unauthorized access, disclosure, usage, alteration or destruction.
The use of our Website and our services is entirely voluntary but if you do decide to visit, access, use or obtain any content or data from our Website or by obtaining or using any of the services rendered by us through our Website, you:
a. expressly consent that we will collect and use your Personal Data; and
Retention of Personal Data and Access
Since it’s your Personal Data it’s only fair that you have control of what happens to it. These are your rights and powers:
a. You are entitled to withdraw your consent to any use or disclosure of your Personal Data by contacting us here;
b. You have access to the Personal Data we hold and you can ask us about the ways in which your Personal Data is used or disclosed by contacting us here;
d. You are entitled to limit the processing of your Personal Data by us by contacting us here.
In order for SMIFunding to improve on the quality of its services and products as well as to customize user experience, we may track user behaviour on its websites by using “Cookies”. A cookie is a small text file that is stored on your computer that provide us with information about your online use of our website to help us customize your user experience and make our website more user friendly.
There are different kinds of Cookies that we use for different kinds of purposes:
a. Technical Cookies: these Cookies are necessary to provide you with our services and to make our Website function properly and to manage your account and log in through social media platforms.
b. Functional Cookies: are aimed to make your next visit to our Website less time-consuming. We will recognise your browser and remember your preferences such as data provided for product searches, product searches, login information to your account, language, the version of the Website you use and any other preferences.
c. Analytical, Targeting and Tracking Cookies: are used to track the online behaviour of our visitors and allow us to help improve the way our website works, for example, by ensuring that our visitors easily find what they are looking for and that we can continue to provide our visitors with relevant content. We also use these Cookies to understand your online preferences for online advertisement purposes. This allows us to present you with tailor made offers based on your online behaviour.
In so far as your Personal Data is being collected by our Cookies, you have the option to disable the use of such Cookies in your browser settings when accessing our Website. Please note that disabling such Cookies may however result in loss of functionality of our Website and/or delay or affect the way our Website operates and/or (partially) restrict your use of the Website.
If you create an account with us, sign-up through Facebook, or if you don’t create an account but you do submit your email address we can send you: news updates, account information updates and other Website announcements. If you want to hear more from us you can opt to receive more information which will include messages and content we think would be interesting for you including targeted advertisements and marketing messages from us. As soon as you’re no longer interested in these extra mailings, you can choose to unsubscribe from our mailing list by following the instructions in the email you received or through the settings in your account.
If you have any questions regarding this policy, please contact the following:-
No. B-5-6, Level 7,
Menara Uncang Emas Block B,
Jalan Loke Yew,
55200 Kuala Lumpur, Malaysia.
Toll Free: 1800-88-8323