1. Introduction
Ledgerow ("we", "us", "our") is committed to handling your personal information with care and honesty. This Privacy Policy explains how we collect, use, store, and protect data when you visit ledgerow.cyou or engage with our household money management education services.
Our registered address is: No. 8, Persiaran Kayangan, 40000 Shah Alam, Selangor, Malaysia.
If you have questions about this policy at any time, you are welcome to reach out to us at [email protected].
2. What Personal Data We Collect
We collect only what is necessary to respond to your enquiries and deliver our services.
Information you provide directly
- Full name
- Email address
- Phone number (if shared)
- Message content submitted via our contact form
- Service preferences you indicate
Information collected automatically
- Browser type and version
- Device type and operating system
- Pages visited and time spent on each page
- Referring website URL
- Approximate geographic location (country/city level, via IP address)
- Cookie identifiers (see our Cookie Policy)
Legal basis for processing
- Consent — for optional cookies and marketing communications
- Legitimate interest — for website analytics and improving our service quality
- Contract performance — when you register for or attend one of our programmes
- Legal obligation — where required by Malaysian law
Data retention: Contact form submissions are held for up to 24 months. Programme enrolment records are retained for 7 years in line with Malaysian financial record-keeping norms. Analytics data is aggregated and anonymised after 26 months.
3. How We Use Your Data
We use the information we hold to:
- Respond to your enquiries and booking requests
- Arrange and deliver your chosen session or programme
- Send administrative communications (booking confirmations, reminders)
- Improve the content and usability of our website
- Understand which topics and services are most relevant to our community
- Comply with applicable laws and regulations in Malaysia
Marketing communications
We only send you newsletters or programme updates if you have clearly opted in. You may withdraw that consent at any time by clicking the unsubscribe link in any email we send, or by writing to us at [email protected].
Data sharing
We do not sell, rent, or trade your personal information. We may share data with:
- Service providers — such as email delivery platforms and web hosting, under strict data processing agreements
- Analytics platforms — receiving anonymised or aggregated data only
- Legal authorities — where required by Malaysian law or a court order
4. Data Protection Measures
- All data in transit is encrypted using TLS (HTTPS)
- Access to personal data is restricted to authorised team members only
- We conduct periodic reviews of our data practices
- Passwords and credentials for internal systems are stored using strong hashing
- Third-party processors we use are vetted for their security practices
In the unlikely event of a data breach affecting your rights, we will notify you and the relevant authority within the timeframe required under Malaysian law (the Personal Data Protection Act 2010 — PDPA 2010).
5. Cookies
We use cookies to keep the website working correctly and to understand how it is used. Cookies are small text files stored in your browser.
| Category | Purpose | Required |
|---|---|---|
| Essential | Site functionality, security, session management | Always on |
| Analytics | Understand page usage and visitor behaviour | Optional |
| Marketing | Ad personalisation and campaign measurement | Optional |
| Preferences | Remember your settings and language choices | Optional |
For full details and to manage your preferences, please visit our Cookie Policy page.
6. Your Rights
Under the Personal Data Protection Act 2010 (Malaysia) and general data protection principles, you have the right to:
Access
Request a copy of the personal data we hold about you
Rectification
Ask us to correct inaccurate information
Erasure
Request deletion of your personal data where no legal basis remains
Object
Object to processing based on legitimate interest
Portability
Receive your data in a commonly used, machine-readable format
Withdraw consent
Withdraw any consent you have given at any time
To exercise any of these rights, contact us at [email protected]. We aim to respond within 30 days. You also have the right to lodge a complaint with the Department of Personal Data Protection (JPDP), Malaysia.
7. Third-Party Links
Our website may contain links to external sites for your convenience. We are not responsible for the privacy practices of those sites and encourage you to read their policies before sharing any personal information.
8. Children's Privacy
Our services are designed for adults aged 18 and over. We do not knowingly collect personal information from anyone under the age of 18. If you believe a minor has submitted data to us, please contact us immediately so we can remove it.
9. Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. When we make material changes, we will update the "Last updated" date at the top of this page. Continued use of our website after any changes constitutes your acceptance of the revised policy.
10. Contact for Privacy Enquiries
For any questions, requests, or concerns related to your personal data, please reach out:
Ledgerow — Data Contact
No. 8, Persiaran Kayangan, 40000 Shah Alam, Selangor, Malaysia