Privacy Policy

This Privacy Policy describes how HealthGuard Malaysia collects and uses your personal information. We are committed to protecting your privacy and handling your data responsibly. This policy applies to our website and all services related to healthcare cost planning, medical insurance comparison, and health scheme awareness in Malaysia.

Information We Collect

We collect various types of information to provide and improve our services. This includes personal information you voluntarily provide, such as your name, email address, phone number, and details about your healthcare needs when you register or use our comparison tools.

We also collect information about how you interact with our website, including pages visited, time spent on pages, referral sources, and device information. This usage data helps us understand which features are most valuable to our users and where improvements are needed.

When you use our calculators for hospitalisation cost estimation or outpatient expense budgeting, we may collect the specific information you input. This data helps us provide personalised recommendations about MySalam, PeKa B40, and private medical insurance options.

How We Use Your Information

We use the information we collect to deliver our core services, including healthcare cost planning assistance, medical insurance comparison, and awareness information about government schemes like MySalam and PeKa B40. Your data enables us to provide personalised recommendations tailored to your healthcare situation and budget.

We analyse usage patterns to improve our website functionality, enhance user experience, and develop new tools for hospitalisation cost preparation and expense budgeting. This analytical work helps us identify gaps in healthcare information and address them effectively.

We may contact you with updates about relevant healthcare schemes, insurance options, or improvements to our services. You can opt out of these communications at any time. We never sell or share your personal information with third parties for marketing purposes without your explicit consent.

Your Rights and Choices

You have the right to access, update, or delete your personal information at any time. You can request a copy of all data we hold about you or ask us to correct any inaccuracies. To exercise these rights, please contact us using the details provided below.

You may opt out of promotional communications by unsubscribing from our mailing list. You can also adjust your browser settings to control cookies, though this may affect certain website features. We respect your privacy choices and will honour your preferences promptly.

Cookies and Tracking Technologies

We use cookies to enhance your browsing experience and remember your preferences. These small files are stored on your device and help us understand how you use our website. We use both session cookies, which expire when you close your browser, and persistent cookies that remain on your device.

Essential cookies are necessary for website functionality and cannot be disabled. Analytics cookies help us understand user behaviour and improve our services. You can manage cookie preferences through your browser settings or by visiting our dedicated cookie policy page.

Third-party tools like Google Analytics help us measure website performance and user engagement. These services have their own privacy policies, and we encourage you to review them. We do not allow tracking technologies that compromise your privacy or comply with all relevant data protection regulations.

Data Security

We implement industry-standard security measures to protect your personal information from unauthorised access, disclosure, alteration, and destruction. Our website uses SSL encryption to secure data transmission between your device and our servers.

While we strive to protect your information, no security system is completely impenetrable. We encourage you to use strong passwords and maintain the confidentiality of your account credentials. If you believe your information has been compromised, please contact us immediately.

Data Retention

We retain your personal information only as long as necessary to provide our services and fulfil the purposes outlined in this policy. Account information is retained while your account is active and for a reasonable period afterwards to address any outstanding issues.

Usage and analytics data are typically retained for 12 months, after which they are aggregated or deleted. You can request deletion of your account and associated data at any time, subject to legal obligations to retain certain information for compliance purposes.

Third-Party Links

Our website may contain links to external websites, including those for MySalam, PeKa B40, and private insurance providers. We are not responsible for the privacy practices of these third-party websites. We encourage you to review their privacy policies before providing any personal information.

Policy Updates

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. We will notify you of significant changes by posting the updated policy on our website and updating the last modified date. Your continued use of our services constitutes acceptance of any changes.