Privacy Policy

1. Introduction

Skorly ("we", "us", "our") is committed to protecting the privacy and personal data of all individuals who interact with our website and programs. This Privacy Policy explains how we collect, use, store, and protect personal information in connection with our credit education programs and website at skorly.biz.

This policy is drafted in accordance with the Personal Data Protection Act 2010 (PDPA) of Malaysia. By using our website or enrolling in a program, you acknowledge that you have read and understood this policy.

For questions about this policy, contact us at [email protected].

2. Data We Collect

We collect the following types of personal data:

• Identification data: Full name, email address, and phone number provided when you submit an enquiry form or enrol in a program.
• Communication data: Content of messages you send to us via our contact form or email.
• Usage data: Information about how you access and use our website, including browser type, pages visited, and time spent on the site. This data is collected via cookies and analytics tools.

We do not request, collect, or store your actual credit report or any credit-related personal financial data.

3. How We Use Your Data

• Responding to your enquiries and providing information about our programs
• Processing enrolments and communicating program-related information
• Sending relevant updates about program schedules or material changes (with consent)
• Improving our website and program delivery based on usage patterns
• Complying with applicable legal obligations

We do not use your personal data for unsolicited marketing and will not sell your data to third parties.

4. Legal Basis for Processing

Under the PDPA, we process personal data on the following bases:

• Consent: Where you have submitted your information through our contact form or opted into communications.
• Contractual necessity: Where processing is required to enrol you in a program and deliver the associated services.
• Legitimate interests: Where processing is necessary for the ordinary operation of our educational business, balanced against your rights.

5. Data Retention

We retain personal data only for as long as necessary for the purpose it was collected:

• Enquiry data: up to 12 months from the date of last contact, unless you enrol in a program.
• Participant records: up to 3 years from program completion for administrative purposes.
• Analytics data: retained in aggregate, anonymised form with no retention limit.

6. Data Protection Measures

We implement appropriate technical and organisational measures to protect your personal data, including:

• Secure server storage with access controls
• Limited staff access on a need-to-know basis
• Regular review of data handling practices
• Breach notification procedures in line with PDPA requirements

7. Cookies

We use cookies on our website to understand how it is used and to improve your experience. You can manage your cookie preferences through our cookie consent tool or by adjusting your browser settings. For full details, see our Cookie Policy.

8. Third-Party Services

We may use the following third-party services that process data on our behalf:

• Website analytics providers (e.g. Google Analytics) — to understand site usage patterns
• Email delivery services — to send program communications

These providers process data only on our instructions and are contractually required to handle data appropriately. We do not share your personal data with third parties for their own marketing purposes.

9. Your Rights

Under the PDPA and applicable laws, you have the right to:

• Request access to the personal data we hold about you
• Request correction of inaccurate or incomplete data
• Request deletion of your data where processing is no longer necessary
• Withdraw consent to processing at any time (where processing is based on consent)
• Lodge a complaint with the Department of Personal Data Protection Malaysia if you believe your data rights have been violated

To exercise any of these rights, contact us at [email protected]. We will respond within 21 working days.

10. Children's Privacy

Our programs and website are intended for adults aged 18 and above. We do not knowingly collect personal data from individuals under 18. If you believe we have inadvertently collected data from a minor, contact us and we will promptly remove it.

11. External Links

Our website may contain links to external websites, including official government and regulatory resources. We are not responsible for the privacy practices of those sites and encourage you to review their privacy policies independently.

12. Changes to This Policy

We may update this Privacy Policy from time to time. When changes are made, the "Last Updated" date at the top of this page will be revised. Continued use of our website after any update constitutes your acceptance of the revised policy.

For material changes, we will notify participants by email where we hold contact details.

13. Contact

For any privacy-related enquiries, please contact:

Skorly
Jalan SS15/4B, Subang Jaya, 47500 Selangor, Malaysia
Email: [email protected]
Phone: +60 3-6209 5847