Privacy Policy

Last updated: July 2026

1. Introduction

Karen Advisory ("we", "us", or "our") respects your privacy and is committed to protecting the personal data you share with us. This Privacy Policy explains what personal data we collect through karen-advisory.com (the "website"), how we use and safeguard it, and the choices you have, in accordance with Malaysia's Personal Data Protection Act 2010 ("PDPA").

By using this website or contacting us through it, you acknowledge that you have read and understood this Privacy Policy. If you do not agree with any part of it, please do not submit personal data to us through this website.

2. Information We Collect

We may collect the following categories of personal data:

• Information you submit through our contact form, such as your name, phone number, email address, enquiry topic, and message.
• Information you voluntarily share with us via WhatsApp, email, or phone when discussing your insurance needs and protection goals.

Please note that if you decide to proceed with an insurance application, that application and its supporting documents are collected and processed directly by the relevant licensed insurance company as part of their own underwriting process — not by this website.

3. How We Use Your Information

We use the personal data we collect to:

• Respond to your enquiries and requests for information;
• Prepare policy recommendations, illustrations, and comparisons tailored to your circumstances;
• Follow up with you regarding a protection review or consultation you have requested.

We do not sell or rent your personal data to third parties for their own marketing purposes.

4. Data Sharing

Your personal data may be shared with the relevant licensed insurance company only where necessary to process an application that you have explicitly agreed to pursue. We do not share your personal data with any other third party except where required by law or with your consent.

5. Cookies & Analytics

This website may use basic analytics cookies to help us understand how visitors use the site (for example, which pages are viewed most often) so that we can improve it over time. We do not use advertising or cross-site tracking cookies.

6. Data Security

We use reasonable technical and organisational measures to protect the personal data in our care from unauthorised access, use, or disclosure. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

7. Your Rights under the PDPA

Under Malaysia's Personal Data Protection Act 2010, you have the right to:

• Access the personal data we hold about you;
• Request correction of any inaccurate or outdated personal data;
• Request deletion of your personal data, subject to any legal or regulatory retention requirements.

To exercise any of these rights, please contact us at karen.advisory.life@gmail.com.

8. Data Retention

We retain personal data only for as long as necessary to fulfil the purposes described in this Policy, or as required to comply with legal, regulatory, or accounting obligations.

9. Children's Privacy

This website is not directed at, and is not intended for use by, children under the age of 18. We do not knowingly collect personal data from children.

10. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. Any changes will be posted on this page, with the "Last updated" date revised accordingly.

11. Contact Us

If you have any questions about this Privacy Policy or how we handle your personal data, please reach out to us:

• WhatsApp: +60 11-5451 6364
• Email: karen.advisory.life@gmail.com
• Office: The Mulia Residences, Jalan MR2/6, Persiaran Inovasi Cyber 10, 63000 Cyberjaya, Selangor, Malaysia