Privacy Policy

1. About This Policy

Ostwin Moreau is a financial education practice based at 12 Jalan Ampang Hilir, 55000 Kuala Lumpur, Malaysia. This Privacy Policy applies to our website at ostwinmons and to personal information gathered when you register for or enquire about our educational programmes.

We take the handling of personal information seriously. Information you share with us is used only for the purposes described below, and we do not sell or rent your data to third parties.

2. Information We Collect

Depending on how you interact with us, we may collect the following categories of information:

• Contact details — your name, email address, phone number, and any other information you provide through our contact form or programme registration.
• Programme enquiry details — the programme you are interested in, your availability preferences, and any background information you choose to share.
• Website usage data — pages visited, time on site, browser type, and device information collected through analytics tools (see Section 5).
• Cookie data — as described in our Cookie Policy.

We do not knowingly collect information from individuals under the age of 18.

3. How We Use Your Information

Information you provide is used for the following purposes:

• Responding to enquiries and programme registration requests.
• Delivering and administering educational programmes you have enrolled in.
• Sending relevant programme updates, materials, or schedule information.
• Improving the content and structure of our website and programmes based on aggregate usage patterns.
• Complying with applicable Malaysian laws and regulations.

We will not use your contact details for marketing unrelated to our own educational services without your explicit consent.

4. Legal Basis for Processing

Where the Personal Data Protection Act 2010 (Malaysia) applies, we process your personal data on the following bases:

• Consent — where you have indicated agreement, such as by submitting our contact form.
• Contractual necessity — where processing is required to deliver a programme you have enrolled in.
• Legitimate interest — for website analytics conducted in a way that does not override your rights.
• Legal obligation — where we are required by law to retain or disclose information.

5. Analytics and Third-Party Services

Our website may use analytics services, including Google Analytics, to help us understand how visitors engage with our content. These services may collect anonymised information about your visit using cookies and similar technologies. Data collected by these services is governed by their respective privacy policies.

We do not permit analytics partners to use data collected from our website for their own advertising purposes.

6. Data Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. We may share information in the following limited circumstances:

• Service providers — trusted vendors who assist with website hosting, email delivery, or programme administration, who are bound by confidentiality obligations.
• Legal requirements — when disclosure is required by applicable law, court order, or government authority.
• Programme practitioners — where a programme involves practitioner review (such as Tea Table Investing Dialogues), relevant programme materials may be shared with licensed reviewers under confidentiality terms.

7. Data Retention

We retain personal information for as long as is reasonably necessary to fulfil the purposes described in this policy, or as required by law. Programme records are typically retained for a period of seven years for administrative and compliance purposes.

Where you ask us to delete your information and we have no legal obligation to retain it, we will do so within a reasonable timeframe.

8. Your Rights

Under the Personal Data Protection Act 2010 (Malaysia), you have the right to:

• Access the personal data we hold about you.
• Request correction of inaccurate or incomplete data.
• Withdraw consent to processing where consent was the basis for collection.
• Request that we cease processing your data for direct marketing purposes.

To exercise any of these rights, please contact us at [email protected] or by post to our address below. We will respond within 21 days.

9. Security

We apply reasonable technical and organisational measures to protect personal information against unauthorised access, loss, or misuse. However, no transmission over the internet can be entirely secure. We encourage you to use appropriate care when sharing personal information online.

10. External Links

Our website may contain links to external sites. This Privacy Policy applies only to our own website. We are not responsible for the privacy practices of any linked third-party websites and encourage you to review their policies separately.

11. Changes to This Policy

We may update this Privacy Policy from time to time. The current version is always available at this page, and the date at the top reflects the most recent revision. Continued use of our website after any update constitutes acceptance of the revised policy.

12. Contact

If you have questions or concerns about this Privacy Policy or the handling of your personal information, please reach us at:

Ostwin Moreau
12 Jalan Ampang Hilir, 55000 Kuala Lumpur, Malaysia
Email: [email protected]
Phone: +60 3 4256 8941