Privacy Policy

1. About Us

Meta Risk Sdn Bhd is a general insurance advisory firm operating in Malaysia. We act as an intermediary between clients and licensed general insurance companies regulated by Bank Negara Malaysia (BNM).

For any privacy-related enquiries, please contact us at info@metarisk.com.my.

2. Personal Data We Collect

We may collect the following categories of personal data when you engage with us:

Information you provide directly:

• Full name and identity card / passport number
• Contact details — phone number, email address
• Date of birth and gender
• Occupation and employer details
• Property or asset information (for insurance purposes)
• Claims history and related documentation
• Payment information (where applicable)

Information collected automatically:

• IP address and browser type
• Pages visited and time spent on our website
• Cookies and similar tracking technologies
• Device information

3. How We Use Your Personal Data

Your personal data is collected and processed for the following purposes:

• To provide insurance advisory and intermediary services
• To obtain insurance quotations on your behalf from insurers
• To process policy applications, renewals and endorsements
• To assist with insurance claims and liaising with insurers
• To communicate with you regarding your policies and enquiries
• To comply with legal and regulatory requirements
• To improve our website and services
• To send relevant service updates and renewal reminders

We will not use your personal data for purposes other than those stated above without your prior consent.

4. Disclosure of Personal Data

We may share your personal data with the following parties, strictly for the purposes outlined in this policy:

• Licensed general insurance companies for policy processing
• Loss adjusters and claims investigators
• Reinsurers where required by your insurer
• Regulatory authorities including Bank Negara Malaysia
• Legal and professional advisors where required
• Third-party service providers supporting our operations (e.g. IT systems)

We do not sell, rent or trade your personal data to any third parties for marketing purposes.

5. Cookies

Our website uses cookies to enhance your browsing experience. Cookies are small text files stored on your device that help us understand how you use our site.

Types of cookies we use:

• Necessary cookies — essential for the website to function properly
• Analytical cookies — help us understand visitor behaviour and improve our site
• Functional cookies — remember your preferences for a better experience

You may disable cookies through your browser settings. However, doing so may affect certain features of our website. You can also manage your cookie preferences through our Cookie Consent banner.

6. Data Security

We implement appropriate technical and organisational measures to protect your personal data against unauthorised access, disclosure, alteration or destruction. These include:

• SSL encryption on our website (HTTPS)
• Restricted access to personal data on a need-to-know basis
• Regular security reviews and updates
• Secure email communication for sensitive information

While we take all reasonable precautions, no data transmission over the internet can be guaranteed to be 100% secure. You share information with us at your own risk.

7. Retention of Personal Data

We retain your personal data for as long as necessary to fulfil the purposes for which it was collected, or as required by applicable laws and regulations. Insurance-related records are typically retained for a minimum of 7 years in compliance with regulatory requirements.

Once your data is no longer required, we will securely destroy or anonymise it.

8. Your Rights Under PDPA

Under the Personal Data Protection Act 2010, you have the following rights:

• Right to access your personal data held by us
• Right to correct inaccurate or incomplete personal data
• Right to withdraw consent for processing (subject to legal obligations)
• Right to limit the processing of your personal data
• Right to enquire about our data protection practices

To exercise any of these rights, please contact us using the details below. We will respond to your request within 21 days.

9. Third-Party Links

Our website may contain links to third-party websites, including insurer portals and regulatory bodies. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies before providing any personal data.

10. Changes to This Policy

We reserve the right to update this Privacy Policy at any time. Any changes will be posted on this page with a revised effective date. We encourage you to review this policy periodically to stay informed of how we protect your data.

Continued use of our website or services after any changes constitutes your acceptance of the updated policy.

11. Contact Us

If you have any questions, concerns or requests regarding this Privacy Policy or the handling of your personal data, please contact us: