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Privacy Policy

VMH META SOLUTION SDN BHD

Company Registration No.: 1606647-A

Effective Date: 25 May 2026

VMH Meta Solution Sdn Bhd (“VMH”, “we”, “us”, or “our”) is committed to protecting your personal data and takes all reasonable measures to safeguard it in accordance with the Personal Data Protection Act 2010 (“PDPA”), as amended by the Personal Data Protection (Amendment) Act 2024, together with the Personal Data Protection Regulations 2013 and all related guidelines and codes of practice issued from time to time.

This Privacy Policy (“Policy”) sets out how we collect, use, disclose, store, and protect the personal data you provide to us. This Policy supplements our Terms and Conditions and Services Agreement, and applies to all personal data collected through our website (www.vmhmetasolution.com.my) and any related sub-sites, mobile applications, or digital platforms (collectively, the “Site”), as well as through any other interaction you have with us. By accessing the Site, submitting your personal data to us, or engaging our services, you consent to the collection, use, and disclosure of your personal data in accordance with this Policy.

1. Collection of Personal Data

We collect personal data that identifies you when you voluntarily provide it to us — for example, when you browse our Site, register for our services, submit an enquiry form, or engage our financial consultancy services. The personal data we may collect includes, but is not limited to:

  • Full name and preferred form of address;
  • Email address and contact number;
  • Mailing or residential address;
  • Date of birth and gender;
  • National Registration Identity Card (NRIC) number or other identification document details;
  • Employment status and employment details;
  • Financial information relevant to the services you request; and
  • Any other information you voluntarily provide in connection with our services.

When you access our Site through any internet-enabled device, our servers may automatically record technical data, including your IP address, browser type, device information, pages accessed, and the time, date, and duration of your visit.

2. Sensitive Personal Data

Some of the data we collect — such as financial information and identification details — may be sensitive in nature. We collect such data only where it is necessary to provide the services you have requested, and we process it in accordance with the PDPA. We collect your NRIC number and identification details only where reasonably required (for example, for identity verification or to submit an application to a financial institution on your behalf), and we apply additional care in handling this data. Where required by law, we will obtain your express consent before processing sensitive personal data.

3. Use of Cookies

We may use cookies (small text files stored on your browser or device) to enhance your experience on our Site. Cookies allow us to recognise your device, personalise content, and improve the functionality of our services. You may manage or delete cookies through your browser or device settings; please refer to your browser’s help documentation for guidance. Disabling certain cookies may affect the functionality of the Site.

4. Purposes of Collection and Use

Personal data collected from you may be used for the following purposes:

  • To verify your identity;
  • To process and manage your service requests and applications;
  • To personalise and improve your experience on our Site;
  • To improve our website, services, and customer experience;
  • To process transactions, including consultation fee payments;
  • To communicate with you regarding your enquiries, appointments, or service updates;
  • To send you marketing or promotional communications, where you have consented to receive them;
  • To detect, prevent, and address fraud, security, or technical issues; and
  • To comply with applicable laws, regulations, and regulatory requirements.

Where indicated, it is mandatory to provide certain personal data to enable us to process your application for our services. Should you decline to provide such required data, we may be unable to process your application or deliver the requested services.

5. Consent

By providing your personal data to us, you consent to its collection, use, and disclosure for the purposes set out in this Policy. Where required by law, we will obtain your express consent before collecting or processing sensitive personal data. You may withdraw your consent at any time in the manner described in Clause 13, subject to legal and contractual restrictions. Withdrawal of consent may mean that we are unable to continue providing the services you have requested.

6. Disclosure of Personal Data

We may disclose your personal data to the following parties for the purposes described in this Policy:

  • Agents, contractors, and service providers engaged to provide services on our behalf, including data processing, payment processing, IT, and administrative services;
  • Financial institutions, banks, and lending partners, in connection with loan applications or financial product referrals made at your request;
  • Professional advisers, auditors, and any person under a duty of confidentiality to us;
  • VMH’s related companies, associates, and affiliates; and
  • Government authorities, regulators, law enforcement agencies, or courts, where required or permitted by law.

We require parties who process personal data on our behalf to protect that data and to use it only for the purposes for which it was disclosed. We do not sell your personal data to third parties.

7. Cross-Border Transfer of Personal Data

Your personal data is generally stored and processed within Malaysia. Where it is necessary to transfer your personal data outside Malaysia — for example, where a service provider operates from another jurisdiction — we will take reasonable steps to ensure that the transfer complies with the PDPA and that your personal data continues to receive an adequate level of protection.

8. Third-Party Payment Processing

When you make payments via credit card, debit card, or other electronic payment methods, your payment information is processed through secure third-party payment processors. VMH does not store your full credit card or debit card details on our systems.

9. Third-Party Websites and Services

Our Site may contain links to, or integrate with, third-party websites and services. This Policy does not apply to those third parties, and VMH is not responsible for their content or privacy practices. You should review the privacy policies of any third party before providing your personal data to it.

10. Security of Personal Data

VMH takes practical and reasonable technical and organisational steps to protect your personal data from loss, misuse, unauthorised access, modification, accidental disclosure, alteration, or destruction. However, no method of transmission over the internet, and no method of electronic storage, is completely secure. While VMH takes reasonable measures to protect your personal data, VMH cannot guarantee absolute security and, to the maximum extent permitted by law, does not accept liability for any unauthorised access to, loss of, or damage to personal data that occurs despite VMH having taken reasonable security measures, or that arises from causes beyond its reasonable control.

11. Data Retention

We retain your personal data only for as long as is necessary to fulfil the purposes for which it was collected, including to satisfy any legal, regulatory, accounting, or reporting requirements. When personal data is no longer required, we will take reasonable steps to securely destroy, delete, or permanently anonymise it.

12. Data Breach Notification

In the event of a personal data breach, VMH will assess the breach and, where required under the PDPA, notify the Personal Data Protection Commissioner and any affected individuals within the timeframes and in the manner prescribed by law. We maintain internal procedures to detect, report, and respond to personal data breaches.

13. Your Rights

Under the PDPA, you have the right to:

  • Request access to the personal data we hold about you;
  • Request correction of any inaccurate, incomplete, misleading, or outdated personal data;
  • Withdraw your consent to the processing of your personal data, subject to legal and contractual restrictions;
  • Request that your personal data be transmitted to another data controller, where technically feasible and permitted by law (data portability); and
  • Make enquiries or complaints regarding our handling of your personal data.

To exercise any of these rights, please contact our Data Protection Officer using the details in Clause 19. We may charge a prescribed fee for a data access request, and may require you to verify your identity before we act on a request. We will respond within the timeframe required by law.

14. Marketing Communications

Where you have consented, we may send you marketing or promotional communications about our services. You may opt out of receiving such communications at any time by contacting us at info@vmhmetasolution.com.my or by using the unsubscribe facility provided in the relevant communication. Opting out of marketing communications will not affect communications relating to a service you have engaged.

15. Data Protection Officer

VMH has appointed a Data Protection Officer (“DPO”) who is responsible for overseeing compliance with this Policy and the PDPA. You may contact the DPO at info@vmhmetasolution.com.my (Attention: Data Protection Officer), or by post at the address set out in Clause 19.

16. Language

This Privacy Policy is published in the English language. In accordance with Section 7 of the PDPA, a Bahasa Malaysia version of this Policy will also be made available. In the event of any inconsistency between the two versions, the Bahasa Malaysia version shall prevail.

17. Status of This Policy

This Privacy Policy explains our personal data practices. It does not form part of any contract of service and does not create any obligation on VMH beyond what is required under applicable law. Any liability of VMH in connection with the processing of personal data is subject to the limitations and exclusions of liability set out in our Terms and Conditions and Services Agreement, to the extent permitted by law.

18. Changes to This Policy

VMH reserves the right to review and amend this Privacy Policy from time to time to reflect changes in the law, our business practices, or operational requirements. The most current version will be made available on our website, and we encourage you to review it periodically. Your continued use of the Site or our services after any amendment constitutes your acceptance of the amended Policy.

19. Contact Information

If you have any questions, requests, or complaints regarding this Privacy Policy or our handling of your personal data, please contact us:

VMH Meta Solution Sdn Bhd – Data Protection Officer
Company Registration No.: 1606647-A
27-1, Jln Radin Bagus 3, Bandar Baru Sri Petaling,
57000 Kuala Lumpur, Wilayah Persekutuan Kuala Lumpur
Phone: 03-4816 6227
Email: info@vmhmetasolution.com.my (Attention: Data Protection Officer)

You also have the right to lodge a complaint with the Personal Data Protection Commissioner, Department of Personal Data Protection Malaysia (Jabatan Perlindungan Data Peribadi).

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