Privacy Policy

1. Introduction

Silverfile ("we", "us", "our") is committed to protecting the personal information of individuals who contact us, enquire about our programmes or engage our services. This policy explains what information we collect, how we use it, how long we keep it and what rights you have under Malaysia's Personal Data Protection Act 2010 (PDPA).

This policy applies to information collected through our website at silverf.blog and in the course of delivering our retirement documentation and records support programmes. If you have questions about this policy, please contact us at [email protected].

2. Information We Collect

Information you provide directly

When you complete our enquiry form or contact us by telephone or email, we may collect:

• Your name
• Your email address
• Your telephone number (if provided)
• A description of your situation or question (if provided)

Information collected automatically

Our website may collect standard technical information including your IP address, browser type, pages visited and the date and time of your visit. This information is collected through cookies and similar technologies. Please see our Cookie Policy for details.

Programme notes

During programme delivery, coordinators may make brief administrative notes to track progress and adjust the plan. These notes are used solely for coordination purposes and are not shared with third parties.

3. How We Use Your Information

We use the information we collect to:

• Respond to your enquiry and describe which programme may suit your household
• Schedule and deliver programme sessions
• Send administrative communications relating to your programme
• Improve our website and services based on aggregated usage data
• Comply with legal obligations under Malaysian law

We do not use your personal information for marketing communications unless you have specifically asked to receive updates from us. We do not sell or rent your personal information to third parties.

Legal basis: Processing is based on your consent (where you submit an enquiry form), on the performance of our agreement with you (where you engage a programme), and on our legitimate interests in operating the business appropriately.

4. Data Sharing

We do not share your personal information with third parties except in the following limited circumstances:

• Service providers: We may use third-party services to host our website or process enquiry forms. These providers are required to handle your data securely and only for the purposes we specify.
• Legal requirements: We may disclose information if required by Malaysian law or a valid legal process.

No programme notes or client information is shared with financial advisers, solicitors or other professionals on your behalf without your explicit instruction.

5. Data Retention

We retain enquiry information for up to 12 months following your last contact with us, in case you wish to return to the conversation. If you engage a programme, we retain administrative records relating to the programme for up to 24 months from programme completion, after which they are securely deleted. Programme notes made during delivery are deleted at programme close.

You may request deletion of your information at any time — see section 7 below.

6. Data Security

We take reasonable steps to protect personal information from unauthorised access, loss, misuse or disclosure. These steps include:

• Secure email and document handling practices
• Access to client information limited to the coordinator working with your household
• No retention of original documents — all materials remain in your possession
• Digital files established on your own devices, not on Silverfile systems

In the unlikely event of a data breach that may affect your rights, we will notify you without undue delay and take steps to mitigate the impact.

7. Your Rights

Under Malaysia's Personal Data Protection Act 2010, you have the following rights in relation to your personal data:

• Access: You may request a copy of the personal information we hold about you.
• Correction: You may ask us to correct inaccurate or incomplete information.
• Withdrawal of consent: Where processing is based on consent, you may withdraw consent at any time.
• Deletion: You may request that we delete your personal information, subject to any legal retention obligations.
• Restriction: You may ask us to restrict how we use your information while a concern is being resolved.

To exercise any of these rights, contact us at [email protected]. We will respond within 30 days. If you believe your rights have not been respected, you may contact the Department of Personal Data Protection Malaysia (pdp.gov.my).

8. Cookies

Our website uses cookies to understand how visitors use the site and to remember your reading-size preference. Essential cookies are necessary for the site to function; others are optional. Please see our Cookie Policy for a full description and for instructions on managing your preferences.

9. Third-Party Links

Our website may contain links to external websites, including publicly published retirement scheme documentation. We are not responsible for the privacy practices of those websites and encourage you to read their policies separately.

10. Children's Privacy

Our programmes are intended for adults aged 18 and above. We do not knowingly collect personal information from anyone under the age of 18. If you believe we have inadvertently collected such information, please contact us and we will delete it promptly.

11. Changes to This Policy

We may update this policy from time to time. When we do, we will update the Last Updated date at the top of this page. Continued use of our website or services after any changes constitutes acceptance of the updated policy. Where changes are material, we will notify active clients by email.

12. Contact

For any questions about this policy or to exercise your data rights, please contact: