Privacy Policy

RAM Holdings Berhad and its affiliates (collectively or individually “RAM”, "we", "our", "us") may need to collect and process Personal Data in order to provide requested information, products or services to you (delivered via any of our distribution channels, including our websites) or because we are legally required to do so. In line with the Personal Data Protection Act 2010, this Privacy Policy notice outlines our treatment and usage of personal information that we may receive from you.

You hereby consent to the processing of your personal information in accordance with the provisions set out in this Privacy Policy.

Personal Information Collected

The personal information collected by RAM may include your name, title, designation, employer, address, e-mail address, and telephone and facsimile numbers. RAM collects such personal information either directly or through website cookiesa, when you:

  • enter into contract with us;
  • interact with us in the course of business, directly or through our digital or social media platforms;
  • register for an account;
  • register for our products and services;
  • purchaseb, order, request for our products and services; or
  • participate in promotional activities through any of our distribution channels.

Cookies in our websites track some personal information which are used to recognize a user’s device and preferences, diagnose problems with our server, and to administer our websites. Most browsers accept cookies automatically, but can be configured not to do so or to notify the user when a cookie is being sent. If you wish to disable cookies, refer to your browser help menu to learn how to disable cookies. If you disable browser cookies, it may interfere with the proper functioning of our Websites.

Any Personal Data that you provide through third party payment gateway services deployed on our websites will be collected by the third party and shall be subject to their privacy policy, rather than this Privacy Policy. RAM has no control over, nor is responsible for any third party service providers’ use of personal data collected by them.

Purpose of Personal Information Collected

Your personal information is being processed by RAM to:

  • provide the products and services which you have purchased or subscribed for;
  • provide customer support and respond to queries;
  • contact and notify you of important information, news or updates of the products and services;
  • maintain the accuracy of our customer records;
  • conduct market research for product improvement or customer satisfaction;
  • promote marketing, cross-selling, or other promotional activities for products and services relevant to you;
  • facilitate your website experience; and
  • comply with legal and regulatory requirements as may be applicable.
Disclosure of Personal Information

We may use and disclose Personal Data about you to third parties for the following purposes:

  • to comply with laws, rules, or regulations;
  • to enforce our Terms of Use;
  • to protect our rights, safety or property;
  • to permit us to pursue available remedies; or
  • limit the damages that we may sustain.

We may, to the fullest extent that the law permits, disclose Personal Data about you to law enforcement agencies to assist them in identifying individuals who have been or may be engaged in unlawful activities.

In addition, your personal information may be disclosed or transferred to relevant third parties in the event of any merger, acquisition, amalgamation, sale or restructuring of RAM and or its affiliates, provided always that the third party recipient of your personal information adhere to this Privacy Policy.

Storage and Retention of Personal Information

Your personal information shall be stored in hard and/or digital copies in our offices and in servers located in Malaysia.

Any personal information supplied by you will be retained by us for the duration necessary to comply with the purposes stated in paragraph (2) above and/or as required by legal or regulatory requirements. The criteria used to determine our retention periods include:

  • the length of time we have an ongoing relationship with you;
  • whether there is a legal obligation or policy to which we are subject; and
  • whether retention is advisable in light of our legal position (such as in regard to applicable statutes of limitations, litigation or regulatory investigations).

You may request for access to, correction or deletion of your personal information, or limit the processing thereof (including personal data of others provided by you) at any time. Any enquiry or complaint with respect to your personal information should be directed by post, e-mail or facsimile transmission to:

RAM Holdings Berhad (Attention: Legal/Compliance)
Level 8, Mercu 2, KL Eco City
3 Jalan Bangsar
59200 Kuala Lumpur
Tel: 03-3385 2488
Fax: 03-3385 2582