Privacy Policy / Dasar Privasi / 隐私政策

1. Information We May Collect

We may collect information including, but not limited to:

• Full name
• Contact number
• Employment status
• Monthly income
• Existing financial commitments
• Credit card, personal financing, housing loan, car loan, business loan or other banking facilities
• CTOS / CCRIS related information voluntarily provided by you
• Previous bank application history
• Documents or information voluntarily submitted for consultation purposes

2. Purpose of Collecting Your Information

Your information may be used for:

• Providing preliminary financial consultation
• Understanding your financial profile and current commitments
• Assessing possible financing options based on your situation
• Following up on your enquiry
• Communicating with you through Messenger, WhatsApp, telephone or other agreed communication channels
• Assisting with application preparation where applicable
• Improving our customer service and consultation process

3. Use and Disclosure of Information

We will not sell or rent your personal information to unrelated third parties.

Where necessary for the purpose of your enquiry or application, information may be shared with relevant financial institutions, banks, service providers or authorised parties only with your knowledge or where reasonably required to provide the requested service.

4. Sensitive Information

You are not required to provide full sensitive documents during the initial enquiry stage unless requested for further assessment.

Where documents such as identification documents, payslips, bank statements, EPF statements, CTOS or CCRIS records are provided, they will only be used for legitimate consultation or application-related purposes.

5. Data Security

We take reasonable measures to protect personal information from unauthorised access, misuse, loss or disclosure.

However, no electronic transmission or online storage method can be guaranteed to be completely secure.

6. Marketing and Follow-Up Communication

We may contact you regarding your enquiry, consultation or related services using the contact information you provide.

You may request that we stop contacting you for promotional purposes at any time.

7. Your Rights

You may contact us to:

• Request access to the personal information you have provided
• Correct inaccurate information
• Request that your information be updated or deleted, subject to any legal or operational requirements

8. No Guarantee of Approval

Any consultation, assessment or recommendation provided does not guarantee approval by any bank or financial institution.

All applications remain subject to the assessment, policies, terms and final approval of the relevant bank or financial institution.

9. Service Fees

Where applicable:

• No upfront payment is required before the agreed service begins
• No hidden charges will be imposed
• Applicable service fees will be explained and agreed upon beforehand
• Any fees are subject to the agreed service arrangement

10. Contact

For enquiries relating to this Privacy Policy or your personal information, please contact:

Aaron Everrise Advisory
Operated by Everrise Management
WhatsApp: 012-590 2182
Email: everrisemanagement68@gmail.com