Effective date: [DD Month 2026] \u00b7 Last updated: [DD Month 2026]<\/p>\n\n
This Privacy Policy explains how personal data is collected and used when you visit ringgitsihat.my (the \u201cSite\u201d). It is published in English and Bahasa Melayu. If the two versions differ, the English version prevails.<\/p>\n\n
The Site is operated by MALAYSIA HUB SIA<\/strong>, a company registered in the Republic of Latvia (registration number 40203615148), registered address 4a Mednieku Street, Riga, LV-1010, Latvia (\u201cwe\u201d, \u201cus\u201d). We are the controller of personal data processed through the Site.<\/p>\n\n Ringgit Sihat is a Nimbura publication. MALAYSIA HUB SIA is the parent company of Nimbura Sdn. Bhd.<\/strong> (registration number 202001030236 (1386556-P)), a moneylender licensed by the Ministry of Housing and Local Government of Malaysia (KPKT), Licence No. WL7662\/10\/01-3\/110127.<\/p>\n\n Contact for privacy matters: <\/span><\/p>\n\n The Site publishes free educational content about personal finance. It does not offer loans or other financial services, does not accept loan applications and does not ask for your income, bank details, MyKad number or other financial information. Please do not send us such information.<\/p>\n\n We do not knowingly collect special categories of personal data (sensitive personal data).<\/p>\n\n Under the Personal Data Protection Act 2010 (Malaysia), we process your personal data for the purposes above, with your consent where required. Providing data is voluntary; if you do not provide your email address, we cannot reply to you or send the newsletter.<\/p>\n\n We use three categories of cookies:<\/p>\n\n You can change your choices at any time through \u201cCookie settings\u201d in the Site footer. Amounts or other information you type into the Site are not sent to advertising tags.<\/p>\n\n We do not sell your personal data.<\/p>\n\n Your data may be processed in the European Union, Malaysia, the United States and other countries where our service providers and advertising platforms operate. When data leaves the European Economic Area, we rely on lawful transfer mechanisms such as European Commission adequacy decisions (including the EU\u2013US Data Privacy Framework where the recipient is certified) or Standard Contractual Clauses.<\/p>\n\n Depending on where you live, you have the right to:<\/p>\n\n To use your rights, email [privacy@ringgitsihat.my]. We reply within one month (GDPR) and within 21 days for access and correction requests under the PDPA. We may ask you to confirm your identity.<\/p>\n\n You may also complain to a supervisory authority: in Latvia, the Data State Inspectorate (Datu valsts inspekcija); in Malaysia, the Personal Data Protection Commissioner (Jabatan Perlindungan Data Peribadi); or the authority in your EU country of residence.<\/p>\n\n The Site is intended for adults. We do not knowingly collect personal data from anyone under 18. If you believe a child has sent us personal data, contact us and we will delete it.<\/p>\n\n We use appropriate technical and organisational measures, including encrypted connections (HTTPS), access controls and backups. No online service can be completely secure.<\/p>\n\n The Site links to other websites, including official sources and nimbura.my. Those websites have their own privacy policies, and we are not responsible for them.<\/p>\n\n We may update this policy. We will post the new version on this page with a new \u201cLast updated\u201d date and, for significant changes, show a notice on the Site.<\/p>\n\n MALAYSIA HUB SIA, 4a Mednieku Street, Riga, LV-1010, Latvia \u00b7 <\/span><\/p>\n","protected":false},"excerpt":{"rendered":" Effective date: [DD Month 2026] \u00b7 Last updated: [DD Month 2026] This Privacy Policy explains how personal data is collected and used when you visit ringgitsihat.my (the \u201cSite\u201d). It is published in English and Bahasa Melayu. If the two versions differ, the English version prevails. 1. Who we are The Site is operated by MALAYSIA […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-268","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"\n2. What the Site does and does not do<\/h2>\n\n
3. Personal data we collect<\/h2>\n
Category<\/th> Examples<\/th> Source<\/th><\/tr><\/thead> Contact form<\/td> Name, email address, your message<\/td> You<\/td><\/tr> Newsletter<\/td> Email address, subscription and consent records<\/td> You<\/td><\/tr> Usage data<\/td> Pages viewed, articles read, scroll depth, referring page, approximate location (country\/city), device and browser type, IP address<\/td> Cookies and similar technologies<\/td><\/tr> Advertising data<\/td> Cookie and device identifiers, pages and article topics viewed, ad interactions<\/td> Advertising cookies and pixels, only with your consent<\/td><\/tr> Consent records<\/td> Your cookie choices and the date you made them<\/td> Cookie banner<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div>\n 4. Why we use your data and our legal basis<\/h2>\n
Purpose<\/th> Legal basis (GDPR)<\/th><\/tr><\/thead> Answer your messages and correction requests<\/td> Our legitimate interest in responding to you; steps at your request<\/td><\/tr> Send the newsletter<\/td> Your consent<\/td><\/tr> Keep the Site secure, prevent spam and abuse<\/td> Our legitimate interest<\/td><\/tr> Measure how the Site is used and improve content (analytics)<\/td> Your consent<\/td><\/tr> Show you relevant advertising, including advertising for Nimbura Sdn. Bhd. on other platforms (remarketing)<\/td> Your consent<\/td><\/tr> Keep records of consent and comply with law<\/td> Legal obligation<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div>\n 5. Cookies and similar technologies<\/h2>\n\n
\n
6. Who we share data with<\/h2>\n\n
\n
7. International transfers<\/h2>\n\n
8. How long we keep data<\/h2>\n
Data<\/th> Retention<\/th><\/tr><\/thead> Contact messages<\/td> Up to 24 months after the conversation ends<\/td><\/tr> Newsletter data<\/td> Until you unsubscribe, then up to 30 days<\/td><\/tr> Analytics data<\/td> Up to 14 months<\/td><\/tr> Advertising audiences<\/td> Up to 180 days from your last visit, or the shorter period set by the platform<\/td><\/tr> Consent records<\/td> Up to 3 years<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div>\n 9. Your rights<\/h2>\n\n
\n
10. Children<\/h2>\n\n
11. Security<\/h2>\n\n
12. Links to other websites<\/h2>\n\n
13. Changes to this policy<\/h2>\n\n
14. Contact<\/h2>\n\n