Privacy Policy - Mortgage & Refinancing Consultation

This Privacy Policy outlines how Wong Wah Loon (Real Estate License No: E2382), representing Kingsman Realty Sdn Bhd (Firm Registration No: E(1)1950), collects, uses, protects, and handles personal information collected through our home loan refinancing and property valuation consultation portals.

1. Information Collected for Mortgage & Refinancing Inquiries

When you submit an opt-in form on our refinancing portal, we may collect the following information:

• Personal Contact Identification: Full name, phone/WhatsApp number, and email address.
• Property & Financial Parameters: Estimated property market value, existing outstanding loan balances, current interest rates, employment status, and general financing objectives.

2. Purpose of Processing Financial & Property Data

The information submitted is used strictly for:

• Assessing initial mortgage refinancing feasibility and property cash-out calculations.
• Connecting you with authorized panel banker representatives and mortgage specialists to process formal loan eligibility evaluations.
• Contacting you via Phone, SMS, WhatsApp, or Email to discuss personalized refinancing solutions, debt consolidation options, or property valuation updates.
• Ensuring compliance with the Malaysian Personal Data Protection Act 2010 (PDPA).

3. Disclosure & Third-Party Sharing

We respect your privacy and will never sell or lease your personal information. To facilitate mortgage refinancing evaluations, your details may be shared strictly with accredited commercial banking officers or licensed financial consultants operating in Malaysia with whom we collaborate. We maintain strict confidentiality protocols across all interactions.

4. Data Storage & Protection

We implement robust technical and organizational security measures to protect your personal and financial parameters against unauthorized access, disclosure, alteration, or destruction.

5. Opt-Out & Data Access Rights

You reserve the right to access, update, or request the complete deletion of your records from our databases at any time. You may withdraw your consent by contacting us via email at billwongproperty@gmail.com or replying "STOP" to any direct message.

6. Data Controller Contact Details