General Privacy Information

Key definitions

This section defines terms used throughout the policy so retirees can easily understand what type of information we refer to and how it is processed in connection with our insurance services.

Personal data refers to any information that identifies or can be used to identify an individual, such as name, contact details, identity numbers, health-related information necessary for insurance underwriting, and policy records.

Processing means any operation performed on personal data, including collection, storage, use, sharing, and deletion, carried out to deliver insurance services, manage policies, and support customer service activities.

User denotes any visitor to our site, a potential or current policyholder, or a third party acting on behalf of a retiree who provides personal information to PensionHubIns to obtain quotes, apply for cover, or receive support.

Service covers the range of offerings provided by PensionHubIns, including plan comparison tools, quote generation, application assistance, claims guidance, and customer support aimed at retirees and their representatives.

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Information you provide

When you request a quote, apply for a plan, or contact support, you provide information that helps us evaluate eligibility, calculate premiums, and manage your policy.

• Identification details such as full name, date of birth, and national identification number.
• Contact information including mailing address, email address, and phone number for service communication.
• Health and medical history information required by insurers for underwriting and claims assessment.
• Business details such as pension revenue and payment method to determine premium affordability and process payments.
• Policy preferences and plan selections made during the comparison or application process.
• Communications and documents you upload or share, such as identity documents and medical reports.

Third-party data sources

We may receive information from third parties to verify identity, assess risk, or validate details provided during an application in a manner consistent with applicable law.

• Authorized insurers and underwriting partners who share policy and claims-related information.
• Verification and fraud prevention services that confirm identity and detect suspicious activity.
• Payment processors and banks that facilitate premium payments and refunds.

Legal basis for processing

We rely on several lawful bases to process personal data depending on the activity, ensuring that processing is reasonable, necessary, and proportionate.

• Performance of a contract: processing required to provide insurance services and manage your policy.
• Legal compliance: processing necessary to meet regulatory or legal obligations in Malaysia.
• Legitimate interests: processing for fraud prevention, service improvements, and securing our systems where interests are balanced with your privacy.
• Consent: for certain marketing communications or optional features where explicit consent is obtained.

Sharing and disclosure

We share personal data only with trusted partners who help deliver insurance products and services, and we require contractual safeguards to protect the data and limit its use to stated purposes.

• Insurance carriers and underwriting partners for policy issuance and claims handling.
• Authorized service providers such as payment processors and customer support platforms.
• Regulators and law enforcement when required by law or to protect legal rights.
• Professional advisors and auditors engaged to support compliance and business operations.
• Aggregated or anonymized data shared for research or service improvement without identifying individuals.
• Third parties involved in fraud prevention and identity verification processes.

Data retention

We retain personal data only as long as needed to fulfill the purposes described, to meet regulatory requirements, and to resolve disputes or enforce agreements.

Account and policy records are typically retained for the duration of the policy and for a period thereafter required by law, or as reasonably necessary to handle claims and audits.

Messages, emails, and support records are retained to maintain service quality and to provide historical context for customer service, subject to applicable retention schedules.

System logs and analytics data are kept for a limited period to diagnose issues and analyze trends, then archived or deleted according to our internal policies.

When data is no longer required, we take steps to securely delete or anonymize it. Requests for deletion are handled in line with legal and contractual obligations.

Your rights

You have clear rights regarding your personal data held by PensionHubIns. These include the right to access the personal information we hold about you, to request corrections, to ask for deletion where applicable, to restrict or object to certain processing activities, and to request a copy of data you have provided in a portable format. We provide straightforward channels to exercise these rights and will explain any limits that apply under applicable Malaysian law.

• Right to access: request a copy of your personal data we process.
• Right to rectification: request correction of inaccurate or incomplete data.
• Right to erasure: request deletion of data where legal grounds allow.
• Right to restriction: request limitation of how we process your data in certain circumstances.
• Right to data portability: receive a machine-readable copy of data you provided.
• Right to object: object to processing for direct marketing or profiling in some situations.
• Right to withdraw consent: where we rely on consent, you may withdraw consent at any time without affecting processing before withdrawal.
• Right to complain: lodge a complaint with the relevant supervisory authority if you believe your rights are not respected.

Marketing communications

PensionHubIns may send product updates, tailored information about retirement insurance options, and educational content by email, SMS or post where you have consented or where we have a legitimate interest. Communications are designed to help you make informed choices about pension and insurance options relevant to retirees in Malaysia.

You can opt out of marketing at any time using the unsubscribe link in our emails, by replying STOP to SMS messages, or by contacting [email protected]. Opting out will not affect transactional messages related to services you have requested.

Links to third-party sites

PensionHubIns.club may contain links to third-party websites, tools, or partner providers. Those sites operate independently and have their own privacy practices. We are not responsible for third-party content or their data handling. Review the privacy policy of each third-party site before providing personal information.