Privacy Policy

Last updated: January 2025 | Malaysia PDPA 2010 Compliant

1. Who We Are

MalaysiaRetirement.com is operated by Creadence Venture, Malaysia. We provide free financial calculators and retirement planning tools. Contact: support@creadence.com

2. What We Collect

We may collect:

• Email address (if you subscribe to our newsletter)
• Usage data (pages visited -- processed locally, NOT stored)
• Calculator inputs (processed in your browser, NOT sent to our servers)

We do NOT collect: financial account numbers, IC/passport numbers, or payment card details.

3. How We Use Data

Your information is used solely to send newsletter updates (if subscribed) and to improve our tools.

4. Legal Basis (PDPA 2010)

We process data based on your consent (newsletter subscription) and legitimate interests (operating free tools).

5. Your Rights

You may request access, correction, or deletion of your data at any time by emailing support@creadence.com.

6. Third Parties

We use Supabase (Singapore) for newsletter storage, Vercel for hosting, and optional Google OAuth for sign-in.

7. Contact

Email: support@creadence.com | Website: www.malaysiaretirement.com