• What kind of personal information we collect and how we collect it;
• How we use your personal information;
• The parties that we disclose the personal information to;
• The choices we offer, including how to access and update your personal information.

1. “Versa” refers to Versa Asia, our shareholders, subsidiaries, holding company, related corporations or associates (the terms “related corporations” and “associates” are as defined in the Companies Act 2016 and the Malaysian Accounting Standards respectively or the equivalent legislation in foreign jurisdictions) of Versa in Malaysia or overseas.
2. “Personal information” refers to any information which relates directly or indirectly to you (for individual) and/or relevant individuals in your organisation (for corporation) and/or your transactions with us. This information includes but not limited to, name, identity card number, biometrics information, race, gender, address, occupation, contact details, financial information, the details of account(s), the type of products and/or services subscribed to and such other necessary information regarding yourself, relevant individuals in your organisation and/or your transaction(s) with us.
   For the avoidance of doubt, please note that this Privacy Notice is applicable only to the personal information of an individual.

• personal information to establish your personal identification and background;
• personal information to establish your financial standing and creditworthiness (where required); and/or
• personal information that you provide when you apply for any of our products and services.

• through your relationship with us, for example information provided by you in application forms, when using our products or services, when taking part in customer surveys, competitions and promotions, and during reviews;
• through your verbal and written communications with us and/or our authorised agents;
• from third parties connected with you, such as employers, joint account holders, authorised representatives;
• from an analysis of the way you use and manage your account(s)/investment(s) with us, from the transactions you make and from the payments which are made to/from your account(s)/investment(s);
• from the activities relating to your account including your interactions with the products and/or services of Versa and/or its business partners;
• in the public domain;
• through any platform and browsers;
• regulators and government agencies; and/or
• from such other sources in respect of which you have given your consent to disclose information relating to you and/or where not otherwise restricted.

• to assess your application(s) for our products and services;
• to manage and maintain your account(s) and investment(s) with us;
• to manage our business and your relationship with us;
• to better understand your current and future investment needs and your financial situation;
• to provide you with information on and/or to market Versa’s products, services and offers which may be of interest to you;
• to improve our products and services and to develop new products and services;
• to notify you about benefits and changes to the features of products and services;
• to administer offers, competitions and promotions;
• to understand your interests and tailor our marketing and advertising services to your preferences;
• to conduct surveys as to your relationship with us or our current/future products and services;
• to offer you products and services provided by Versa’s business partners and/or affiliates;
• to respond to your enquiries and complaints;
• to update, consolidate and improve the accuracy of our records;
• to produce data, reports and statistics which have been anonymised or aggregated in a manner that does not identify you as an individual;
• to conduct research for analytical purposes including but not limited to data mining and analysis of your transactions with us;
• to meet the disclosure requirements of any law or contract binding on Versa;
• for audit, compliance and risk management purposes;
• to assess financial and insurance risks;
• to transfer our rights and duties under any agreement(s) with you;
• to protect or enforce our rights to recover any debt owing to us;
• to conduct anti-money laundering checks;
• for crime detection, prevention and prosecution;
• for any other purpose that is required or permitted by any law, regulations and/or guidelines; and/or
• for such other purposes that is incidental or ancillary or in furtherance to the above purposes.

• Versa including the directors, officers and dealer’s representatives;
• companies and/or organisations that act as our agents and/or professional advisers;
• companies and/or organisations that assist us in processing and/or otherwise fulfilling transactions that you have requested;
• companies and/or organisations that assist us in providing value added services that you have requested;
• Versa’s advisers (including but not limited to accountants, auditors, lawyers, financial advisers, consultants or other professional advisers);
• Versa’s merchants and strategic partners;
• Versa’s business partners and affiliates;
• Versa’s marketing partners and marketing service providers;
• any person notified by you as authorised to give instructions or to use the account(s)/investments(s) or products or services on your behalf;
• any third party as a result of any acquisition or sale of any company by Versa;
• any rating / reference agency;
• any financial institutions, merchants, insurers, insurance brokers or direct or indirect providers of credit protection;
• any person connected to the enforcement or preservation of any of our rights under your agreement(s) with us;
• any third party service provider, agent or contractor who have been appointed by us to provide services to us whether in or outside Malaysia subject to sufficient security controls over the information;
• regulatory bodies such as Bank Negara Malaysia, Securities Commission, Bursa Malaysia Securities Berhad, clearing house and other regulatory bodies which have oversight over us and our activities; and
• any other party to whom such disclosure is required by law or regulatory requirement or pursuant to a Court order, subject at all times to any laws (including regulations, guidelines and/or obligations) applicable to Versa (whether in or outside Malaysia).

• where you have given permission and/or otherwise consented;
• where we are required or permitted to do so by law;
• where required or authorised by any order of the Court;
• where we may transfer rights and obligations under an agreement; and/or
• where we are required to meet our obligations to any relevant regulatory authority (e.g. Bank Negara Malaysia, Securities Commission, Bursa Malaysia Securities Berhad) and/or under a contract.
  

We may disclose your personal information to advertising tools on social media and/or other platforms. In such instances, we limit the use of your information and utilize characteristics that are modified and are not personally identifiable to you. The advertising tools may match the information we have about you with your user profile on these platforms, for more targeted advertising.

• for the duration of your relationship with us;
• for such period as may be necessary to protect the interests of Versa and/or our customers notwithstanding that your relationship with us has been terminated;
• where otherwise required by the law; and/or
• where required by Versa’s relevant policies.
  

1. You may have access to your personal information in Versa’s possession by making a written request to us via our customer service in Versa’s application or website or alternatively, through our Privacy Officer as stated in Clause 8.4 below, subject to payment of the relevant processing fee. We will use reasonable efforts to provide you with a copy of the requested personal information within 21 days of receiving your duly completed written request and the processing fee.
2. Please note that Versa may have to withhold access to your personal information in certain situations, for example when we are unable to confirm your identity or where information requested is of a confidential commercial nature or in the event we receive repeated requests for the same information. Nevertheless, we will notify you of the reasons for not being able to accede to your request.

1. Where the personal information held by us is inaccurate, incomplete, misleading or where relevant, not up-to-date, you may make a request to correct such personal information.
2. Please keep your personal information (such as your current mailing address) up to date and notify us of any change to enable us to serve you better.
3. We will use reasonable efforts to comply with your request to correct / update your personal information within 21 days of receiving your written request.
4. Please note that Versa has the discretion whether to allow your correction / updating request or may require further documentary evidence of the new information to avoid fraud and inaccuracy.

1. Mailing Address: Versa, T3-11, KPMG Tower, 8 1st avenue, Bandar Utama, 47800, Petaling Jaya
2. Email Address: [email protected]