Personal Data Protection Notice (Customers)

By interacting with Great Eastern Takaful Berhad ("the Takaful Operator”), submitting information to the Takaful Operator, enrolling or signing up for any products or services offered by the Takaful Operator, you are providing personal information to the Takaful Operator. You hereby consent (and where required, explicitly consent) to the use of your personal information including sensitive personal information, in the manner set out in this notice.

"Personal information" means any information which relates to you and which has been or will be provided by you to the Takaful Operator, including but not limited to your name, National Registration Identity Card number, passport number, address, telephone number, email address, images, your personal preferences, particulars of any third party person covered or beneficiary, financial and banking account information and any information which may identify you, any person covered, executor or beneficiary, that has been or may be collected, stored, used and processed by the Takaful Operator from time to time. The term "personal information" also includes sensitive personal data which means any personal data consisting of information as to physical or mental health or condition, political opinions, religious beliefs or other beliefs of a similar nature and the commission or alleged commission of any offence.

If you provide us with any personal information relating to a third party, including where you have named them as a person covered, executor, or beneficiary, or where you refer an individual to us for the purposes of us offering our products and/or services to that individual, by submitting such information to us, you represent to us that you have obtained the consent of the third party to provide us with their personal information for the purpose related to you as set out in this notice.

Your personal information may be used, recorded, stored, archived, disclosed or otherwise processed by or on behalf of the Takaful Operator (and its successors in title) for the following purposes:

for the provision of takaful services, as may be applicable and to carry out any activity or duty as a takaful operator, including but not limited to any operational or internal management purposes;
to assess or process any proposals or applications submitted on any of the Takaful Operator's products and services, including any future underwriting;
any claim or investigation or analysis of such claim, including ascertaining your claims history to improve claims processing, prevent fraudulent claims and future claims assessment;
to manage and service the Takaful Operator's relationship with you and to provide you with improved customer service;
to correspond and update any personal information held by the Takaful Operator and the Great Eastern group of companies ("Great Eastern") relating to you from time to time (for more information, log on to greateasterntakaful.com);
to offer and/or process any alteration, variation, cancellation or renewal of products or services by the Takaful Operator or by Great Eastern;
for direct marketing and general marketing of the Takaful Operator, Great Eastern or third party products and services which are Shariah compliant that may be of interest to you. Please be assured that marketing information in respect of such products and services will only be sent to you if you have expressly consented to receive;
for research and audit including but not limited to historical and statistical purposes;
to exercise any right of subrogation or recovery;
to prevent, investigate, or report any actual or suspected money laundering, terrorist financing, bribery, corruption, actual or suspected fraud including but not limited to takaful fraud, evasion of tax or economic or trade sanctions, and other criminal or unalwful activities;
for retakaful;
for litigation or potential litigation; and
if required by law or in good faith, if such action is necessary:
i. to comply with any law enforcement, court orders or legal process, and/or
ii. to protect and defend the rights or property of the Takaful Operator and Great Eastern (for information, log on to greateasterntakaful.com).

The Takaful Operator may also collect, store, use and process your personal information from the certificate owner who has taken up the takaful certificate for and on behalf of you, agents, brokers and/or business or strategic partners of the Takaful Operator or third parties from whom we seek or receive information on you pertaining to or in connection with your takaful certificate, which includes your takaful certificate application or claims.

The Takaful Operator may retain your personal information for such time as deemed to be necessary for the purpose of fulfilling any operational, audit, investigation, legal, regulatory, tax or accounting requirements, including but not limited to any potential litigation and future underwriting and claims assessment purposes.

The information that you have provided to the Takaful Operator is necessary. If you do not provide the Takaful Operator with such information, the Takaful Operator may not be able to provide you with the takaful coverage or respond to any claim submitted by you.

The Takaful Operator may disclose and/or provide your personal information to the following parties (within and outside Malaysia) for the purposes stated above;

the Takaful Operator's authorised representatives;
in relation to third party certificates, the certificate owner and/or person covered;
in relation to group certificates, the certificate owner and/or to their agent or brokers;
third party service providers (who provide administrative, telecommunications, computer related facilities including but not limited to the purchase of hardware or software, system enhancements, migration or maintenance, if any, payment, data processing, storage, or other services to the Takaful Operator in connection with or related to the conduct or manner of operation of our business) to fulfil the obligations of the Takaful Operator to you;
banks and financial institutions;
takaful operators, fraud detection and prevention services, retakaful operators, takaful associations such as the Malaysian Takaful Association and takaful industry regulatory authorities;
any credit reference agencies or, in the event of default, any debt collection agencies;
any takaful rating organisations that collect information about credit history, accident fault, injury description and amounts paid and share it with other takaful operators and others entitled to see it;
any person, who is under a duty of confidentiality and has undertaken to keep such data confidential, which the Takaful Operator has engaged to fulfil its obligations to you;
any actual or proposed assignee, transferee, participant or sub-participant of the Takaful Operator's rights or business;
any person to whom the Takaful Operator is under an obligation to make disclosure under the requirements of any law, rules, regulations, codes of practice or guidelines binding on the Takaful Operator including, without limitation, any applicable regulators, governmental bodies, or industry recognised bodies such as the Malaysian Takaful Association, and where otherwise required by law; and
other companies in Great Eastern, and the Takaful Operator's affiliates; and
any business or strategic partners.

Our affiliates, business or strategic partners may contact you about products, services and offers, which are Shariah compliant and which may be of interest to you or benefit you financially.

You may access certain personal information held by the Takaful Operator based on the applicable data protection laws of Malaysia.

You may access your personal information at any time by calling the Customer Careline at 1300-13-8338 or visit our Customer Portal at https://igetintouch.greateasterntakaful.com If you have any inquiry such as limiting the processing of certain information, including the withdrawal of consent to receive marketing information, you may contact our Customer Careline at 1300-13-8338, or write to the Takaful Operator at i-greatcare@greateasterntakaful.com.

If you have any complaints in respect of your personal information, you may contact our Privacy Officer at 603-4259 8381.

For more information on how the Takaful Operator processes your personal information, please log on to our website greateasterntakaful.com and read the Client Charter and Privacy Policy.

The Takaful Operator may charge a reasonable fee for access. If you can show that the personal information held by the Takaful Operator is not accurate, complete and up to date, the Takaful operator will take reasonable steps to ensure it is accurate, complete and up to date upon receiving your verification or feedback.

The Takaful Operator may review and update this Personal Data Protection Notice from time to time to reflect the changes in the law, changes in the business practices, procedures and structure of the Takaful Operator and Great Eastern, and changes in the community's privacy expectations. Any updated and/or changes to this Personal Data Protection Notice will be posted in our website at greateasterntakaful.com at any time to keep yourself updated of any changes.

In the event of any inconsistencies between English version and the Bahasa Malaysia version of this notice, the English version shall prevail.

Please click here for the Bahasa Malaysia version.