LEGAL
Privacy Policy
Last updated: 13 April 2026 ยท Effective date: 13 April 2026
This Privacy Policy describes how Ledgora ("we", "us", or "our") collects, uses, discloses, and protects personal data in connection with our website at ledgorax.live and our financial education programs. It is prepared in accordance with the Personal Data Protection Act 2010 (PDPA) of Malaysia.
1. Data Controller
The data controller responsible for your personal data is:
Ledgora
5 Jalan SS 15/4, 47500 Subang Jaya, Selangor, Malaysia
Phone: +60 3-5621 8347
Email: [email protected]
2. Personal Data We Collect
We collect personal data that you provide to us directly, as well as certain data collected automatically when you use our website. This may include:
- Name and contact information (email address, phone number)
- Enquiry details and program interest
- Payment information (processed by third-party payment providers; we do not store card details)
- Program attendance and completion records
- Website usage data including IP address, browser type, pages visited, and cookies (see our Cookie Policy)
We collect only the personal data necessary for the purposes described in this policy.
3. How We Use Your Personal Data
We process your personal data for the following purposes:
- To respond to your enquiries and communicate program details
- To process registrations and manage program enrolment
- To deliver the program and provide follow-up materials
- To send administrative communications relevant to your participation
- To send program updates and relevant educational content (where you have consented)
- To improve our website and program offerings through aggregated analytics
- To comply with legal and regulatory obligations
4. Legal Basis for Processing
We process your personal data on the following grounds:
- Consent โ where you have provided explicit consent, such as for marketing communications or cookies
- Contractual necessity โ to fulfil our obligations in delivering a program you have registered for
- Legitimate interests โ for purposes such as improving our services and ensuring website security, where these do not override your rights
- Legal obligation โ where required by Malaysian law
5. Disclosure of Personal Data
We do not sell, rent, or trade your personal data. We may share it in limited circumstances:
- With service providers who assist us in operating our website or delivering programs (e.g. payment processors, email delivery services), subject to data processing agreements
- With regulatory authorities or law enforcement where required by applicable law
- In the event of a business transfer, merger, or acquisition, where personal data may be transferred as part of that transaction
Any third parties with whom we share personal data are required to handle it in a manner consistent with this policy.
6. Transfer of Personal Data Outside Malaysia
Some of our service providers may operate outside Malaysia (for example, cloud infrastructure or analytics services). Where personal data is transferred internationally, we take steps to ensure an adequate level of protection is in place, consistent with the requirements of the PDPA 2010.
7. Data Retention
We retain your personal data for as long as necessary to fulfil the purposes for which it was collected, including to comply with legal obligations. Program records are generally retained for seven (7) years following completion. Website enquiry data is retained for a period of up to two (2) years.
When personal data is no longer required, we securely delete or anonymise it.
8. Your Rights Under PDPA 2010
As a data subject under the Personal Data Protection Act 2010, you have the following rights:
- Right of access โ to request a copy of the personal data we hold about you
- Right of correction โ to request correction of inaccurate or incomplete personal data
- Right to withdraw consent โ where processing is based on consent, you may withdraw it at any time without affecting the lawfulness of prior processing
- Right to prevent processing โ in certain circumstances, you may request that we limit how we use your data
To exercise any of these rights, please contact us at [email protected] or by post to our address above. We will respond within 21 days of receiving a verified request.
9. Security of Personal Data
We implement reasonable technical and organisational measures to protect your personal data against unauthorised access, disclosure, alteration, or destruction. These include HTTPS encryption, access controls, and regular review of our data handling practices.
However, no method of internet transmission is completely secure. While we endeavour to protect your personal data, we cannot guarantee absolute security.
10. Cookies
Our website uses cookies and similar technologies. Please refer to our Cookie Policy for detailed information about the types of cookies used and how to manage your preferences.
11. Children's Privacy
Our programs and website are not directed at individuals under the age of 18. We do not knowingly collect personal data from minors. If you believe we have inadvertently collected such information, please contact us so we may promptly delete it.
12. Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. When we do, we will update the "Last updated" date at the top of this page. We encourage you to review this policy periodically. Continued use of our website or services after any update constitutes acceptance of the revised policy.
13. Contact Us
If you have questions, concerns, or requests relating to this Privacy Policy or our personal data practices, please contact us:
Ledgora
5 Jalan SS 15/4, 47500 Subang Jaya, Selangor, Malaysia
Phone: +60 3-5621 8347
Email: [email protected]