Privacy Policy

Koperasi Serbaguna Kebangsaan Berhad

Koperasi Serbaguna Kebangsaan Berhad (“KSKB”, “we”, “our”, or “us”) respects your privacy and is committed to protecting your personal data in accordance with the Personal Data Protection Act 2010 (Malaysia).

By contacting KSKB through WhatsApp, Meta platforms (including Facebook, Instagram, Messenger), website chat, or other digital messaging channels, you acknowledge and agree that we may collect, use, store, and process personal data provided by you for legitimate business purposes.

1. Personal Data We May Collect
   This may include:

• Full name
• Mobile / telephone number
• Email address
• Membership number
• Identification details voluntarily provided by you
• Enquiry details and correspondence history
• Documents or files shared by you
• Profile name, profile image, and public account information available through Meta platforms
• Technical metadata such as message timestamps and communication records

2. Purpose of Processing
   Your personal data may be used for the following purposes:

• Responding to enquiries and service requests
• Membership verification and account assistance
• Processing applications, updates, withdrawals, benefits, or related requests
• Appointment scheduling and follow-up communications
• Sending notices, announcements, reminders, and updates
• Customer support and complaint resolution
• Internal record keeping, audit, governance, and quality assurance
• Security monitoring and fraud prevention
• Compliance with legal and regulatory obligations

3. Messaging Platforms Disclaimer
   
   Please note that WhatsApp, Facebook, Instagram, Messenger and other Meta platforms are third-party services governed by their own privacy terms and security controls. When you communicate with KSKB through these channels, your data may also be processed by the relevant platform provider in accordance with their own policies.

   KSKB does not control third-party platform systems, infrastructure, or privacy practices.

4. Sensitive Information

   For your protection, please do not send passwords, TAC codes, banking PINs, or highly sensitive financial information through messaging platforms unless specifically requested through a secure and authorised process.

5. Disclosure of Information

   Your personal data may be shared internally with authorised KSKB personnel or externally with professional advisers, service providers, regulators, auditors, or authorities where necessary and lawful.

6. Retention of Records

   Messages and related records may be retained for reasonable operational, legal, audit, security, and service purposes in accordance with KSKB policies and applicable laws.

7. Your Rights

   Subject to applicable law, you may request access to or correction of your personal data, withdraw consent where relevant, or make privacy-related enquiries by contacting KSKB.

8. Contact

   For privacy matters, please contact:

   Data Protection Officer
   Koperasi Serbaguna Kebangsaan Berhad
   Email: kskb4391@gmail.com
   Website: www.kskb4391.org.my

9. Updates

   KSKB may amend this notice from time to time. The latest version may be published on our official channels.