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Privacy Policy

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Privacy Policy

To download a PDF of our Privacy Policy, click here.


This policy sets out how NCI Malaysia Sdn Bhd (NCI) collect, use, disclose, store, process and manage personal information that we deal with in providing services to our clients.  NCI are bound by the Personal Data Protection Act 2010 (PDPA) and are committed to protecting the personal data we receive.


Personal data means any information or data, or a combination of information or data, that can be used to uniquely identify or contact an individual.

Sensitive personal data includes an individual’s mental or physical health or condition, political opinions of an individual, religious beliefs or other beliefs of a similar nature, the commission or alleged commission of any offence or any other information to be gazetted under the Act.

What do we collect from you?

Personal data which we collect is necessary to provide services to you, this includes but is not limited to:

  • Personal details to establish your identity; name, contact details (phone, email, residential address) date of birth, gender, occupation etc
  • NRIC No/passport number
  • Account details including account number
  • Payment details including credit card and banking information
  • Employment details

Why we collect, use and disclose your Personal Data

We may collect, use and disclose your personal data for:

  • The purpose to which it was provided to us
  • Purposes which are directly related to the purpose it was provided for; and
  • Any other purposes to which you may have consented

Where we collect your personal information

We may obtain your personal data from yourself and from a variety of sources, including but not limited to:

  • Your verbal and written communications with us
  • Your existing relationship with us, for example information provided by you in application forms, when using our products or services or when taking part in customer surveys and promotions
  • Our website
  • Collection from a third party or publicly available source where:
  1. You have consented for this collection (usually via our privacy policy and/or credit application form); or
  2. You would reasonably expect us to collect your personal information in this way and it is necessary for us to collect this information for a specific purpose (such as investigation of a complaint)

How we use your personal information

We may use your personal data for purposes which include the following:

  • Provision of insurance or related products and/or services arising or relating thereto, including variation, cancellation or renewal of insurance products
  • Marketing of insurance products or services or related products or services by NCI, provided such marketing is done in accordance with the Act
  • Managing and responding to your requests, complaints and queries
  • Audit, compliance and risk management purposes
  • Compliance with disclosure requirements imposed by law or any regulatory authorities
  • To conduct anti-money laundering checks; for crime detection, prevention & prosecution; comply with any sanction requirements
  • For any purpose that is required or permitted by any law, regulations, guidelines and/or relevant regulatory authorities
  • Daily operation and administration of services in relation to products and services provided to you

Using and disclosing your personal information

Your personal data held by us will be kept confidential but as part of providing you with our products or services, we may be required or need to disclose your personal data to the following third parties:

  • Companies and/or organisations that assist us in processing and/or otherwise fulfilling transactions and value-added services that you have requested
  • Insurers, other insurance intermediaries and others involved in arranging and managing your insurance policy, including variation, cancellation or renewal of insurance products
  • Other business partners that are necessary to provide our products and services, credit & fraud reporting agencies, debt collection agencies and others

Do we use personal data for direct marketing?

Some of the personal data we collect we may use to send marketing material to prospective and existing clients, but only in accordance with the direct marketing rules contained in the PDPA.  You may opt out of direct marketing at any time by emailing us at:


Or you may click ‘unsubscribe’ at the bottom of any electronic marketing materials you receive from us.


Data Transfers

We may be disclosing your personal data to the following parties: third-party service providers, insurers and/or our related companies as they may be processing your personal information either on our behalf or otherwise for one or more of the above-stated purposes.

Some of the third-party service providers to whom we disclose personal information are located in countries outside of your country of residence, for example, Australia New Zealand Singapore, the Philippines, Vietnam and the United States of America. In this regard, unless exempted by applicable Privacy Laws, we would have sought your express consent to do so prior to the transfer of your personal information overseas. Transfer of your personal information will only be made for one or more of the purposes specified in this Privacy Policy. We will take reasonable steps to ensure that the overseas recipient does not breach the Privacy Laws applicable in relation to your personal information.

How is personal data secured?

Your information may be held in an electronic or non-electronic form.  We will take steps to ensure the data is secured and protected from unauthorised access by:

  • Password protection
  • Restricting access
  • Destructing and de-identifying the personal data once it is no longer required
  • Staff training in relation to handling personal data
  • Destruction of personal data that is unsolicited and we were not permitted to collect as soon as practicable

Accessing and correcting your personal data

We take reasonable steps to ensure that your personal information is accurate, complete and up to date whenever we collect, use or disclose it.  However, we also rely on you to advise us of any changes to your personal information. All personal information identified as being incorrect is updated in our database and, where applicable and appropriate, on our website.

Please contact us using our contact details below as soon as possible if there are any changes to your personal information or if you believe the personal information, we hold about you is not accurate, complete or up to date.

You are entitled to access or seek to correct personal data we hold about you.  If you make an access request, we will provide you with access to the personal information we hold about you unless otherwise required or permitted by law.  We will notify you of the basis for any denial of access to your personal information.  There are exemptions under the PDPA which may apply to personal data access and correction requests.

We may require that you provide identification to verify the correct person is

requesting the information or the change to the information.  We will not charge you

for making a request, however if reasonable we may charge you with the costs associated with complying with a data request.

We will respond to your request as soon as practicable but within a reasonable time frame.  Requests for access to and/or correction of personal data held by us, should be made in writing addressed to:


L15, B01-B, Menara 2, KL Eco City, No 3, Jalan Bangsar, Kuala Lumpur Laura.Daniel@ncim.com.my


Like many website operators, we use standard technology called cookies on our website. Cookies are small data files that are downloaded onto your computer when you visit a particular website. Cookies help provide additional functionality to the site or to help us analyse site usage more accurately. For instance, our server may set a cookie that keeps you from having to enter a password more than once during a visit to one of our sites. In all cases in which cookies are used, the cookie will not collect personal information except with your consent. You can disable cookies by turning them off in your browser; however, our website may not function properly if you do so.

If you follow a link from our website to another website, please be aware that the owner of the other website will have their own privacy and cookie policies for their site. We recommend you read their policies, as we are not responsible or liable for what happens at their website.

You can adjust the settings in your web browser to determine whether sites can set cookies on your device. If you’ve visited this site before, there may be previously set cookies on your computer. To find out more about cookies, including how to see what cookies have been set and how to manage and delete them, visit www.aboutcookies.org or www.allaboutcookies.org

Your consent and rights

By visiting our website, sending enquiries to us, applying for, or purchasing our products and services, you consent to the collection, use disclosure, storage, processing and handling of your personal information in accordance with this Privacy Policy.


Complaints and queries

If you have a complaint or require further information about how NCI manage your personal data, please contact NCI’s Privacy Officer by contacting:


L15, B01-B, Menara 2, KL Eco City, No 3, Jalan Bangsar, Kuala Lumpur Laura.Daniel@ncim.com.my

Telephone: +6012-998 7439

Complaints will be dealt with as soon as practicable.

Changes to privacy policy and notice

We may amend this Privacy Policy at any time. A current version will be available by following the ‘privacy policy’ link located at the bottom of our website homepage at: http://www.ncim.com.my

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