Privacy Policy

Fiscala ("we", "us", "our") operates a financial education content and creator platform based in Putrajaya, Malaysia. We take our responsibilities under Malaysia's Personal Data Protection Act 2010 (PDPA) seriously and are committed to being transparent about how we handle your information.

This policy applies to all personal data collected through our website at fiscala.club, our contact forms, and our programme enrolment processes. By using our site, you acknowledge that you have read and understood this policy.

If you have questions, reach us at [email protected].

We collect only the information that is necessary for the purposes described in this policy. This may include:

Legal basis: We process your data on the basis of your consent (where given), our legitimate interest in responding to enquiries and improving the site, and to fulfil any agreements entered into when you enrol in a programme.

Retention: Contact form data is kept for up to 24 months from receipt. Analytics data is retained in accordance with the third-party service's policy (typically 14 months for Google Analytics). You may request deletion at any time.

We use the information we collect for the following purposes:

• Responding to enquiries you send through our contact form
• Processing enrolments for our workshops and programmes
• Sending programme-related updates and materials to enrolled participants
• Understanding how our site is used so we can improve it
• Complying with applicable legal obligations

We do not sell your personal data to third parties. We will not use your information for purposes materially different from those described here without seeking your consent first.

Marketing communications: If you express interest in receiving updates from us, we may send relevant information about new programmes or resources. You can opt out at any time by emailing [email protected].

We take practical steps to keep your information safe:

No method of electronic storage or transmission is completely without risk. While we use reasonable measures, we cannot offer an absolute guarantee of security.

Our site uses cookies to support essential functions, understand usage patterns, and remember your preferences. We use four categories of cookies: Essential, Analytics, Marketing, and Preference cookies.

Essential cookies are required and cannot be disabled. All others are optional and can be controlled using the preference tools on our Cookie Policy page, which also contains full details of each category and how long they last.

Under Malaysia's PDPA and applicable data protection principles, you have the following rights in relation to your personal data:

• Access — request a copy of the personal data we hold about you.
• Correction — ask us to correct inaccurate or incomplete data.
• Erasure — request deletion of your data, subject to our legal obligations.
• Withdraw consent — if you gave consent for a specific use, you can withdraw it at any time.
• Object to processing — object to how we're using your data if it's based on legitimate interests.
• Lodge a complaint — you may contact the Department of Personal Data Protection (JPDP) in Malaysia if you believe your rights have been infringed.

To exercise any of these rights, email [email protected]. We'll respond within 30 days.

Our website may contain links to external sites — for example, resources, platforms, or tools we reference in our educational content. Once you leave our site, this policy no longer applies. We have no control over, and take no responsibility for, the privacy practices of third-party websites.

We encourage you to review the privacy policy of any external site before providing personal information to it.

Our programmes and website are directed at adults aged 18 and over. We do not knowingly collect personal data from anyone under 18. If you believe a minor has submitted information to us, please contact [email protected] and we will remove it promptly.

We may update this policy from time to time to reflect changes in our practices or applicable law. When we do, we'll revise the "Last Updated" date at the top of this page. For material changes, we may also notify existing contacts by email.

Continuing to use our website after an update takes effect means you accept the revised policy.