Privacy Policy

1. Commitment to Privacy

JustCheck.my is committed to protecting your privacy. This Privacy Policy explains how we handle your information when you use our website. Our primary focus is on Malaysian Personal Data Protection Act (PDPA) compliance, ensuring that our users feel safe and secure while using our tools.

2. What We Collect

Newsletter Subscriptions

If you choose to subscribe to our newsletter, we collect your email address with your explicit consent. You can unsubscribe at any time using the link provided in every email we send.

Calculator Usage Analytics

We collect anonymized, aggregated data about how our calculators are used. Instead of storing the exact values you enter, we group them into broad ranges (e.g., "RM 50,000–100,000" instead of "RM 67,543"). This helps us understand usage patterns and improve our tools without compromising your privacy.

Cookies and Analytics

We use cookies and Google Analytics 4 (GA4) to understand general website traffic and improve user experience. These tools help us see which calculators are most popular and how people navigate our site.

Types of Cookies We Use:

• Essential cookies: Keep the site functional and secure
• Analytics cookies: Google Analytics 4 for traffic analysis and usage patterns
• Preference cookies: Remember your calculator settings for convenience

You can disable cookies in your browser settings, though some site features may not work properly without them.

3. What We Don't Collect

4. How We Use Your Information

• Newsletter emails: Only to send you updates about new tools, features, and relevant financial tips (you can opt out anytime)
• Aggregated calculator data: To improve our tools, understand user needs, and identify which calculators are most valuable
• Analytics data: To optimize website performance, user experience, and fix technical issues

We do not sell, rent, or share your personal information with third parties for marketing purposes.

5. Data Retention

• Newsletter emails: Retained until you unsubscribe or request deletion
• Analytics data: Retained for 26 months (Google Analytics 4 default retention period)
• Aggregated calculator data: Retained indefinitely as anonymized statistical data

6. Your Rights Under PDPA

In accordance with the Malaysian Personal Data Protection Act 2010, you have the right to:

• Access any personal data we hold about you (newsletter email)
• Correct inaccurate or incomplete personal data
• Withdraw consent for newsletter communications at any time
• Request deletion of your personal data
• Limit processing of your personal data
• Data portability — receive your data in a commonly used format
• Object to processing of your personal data for certain purposes

To exercise any of these rights, please contact us using the details in Section 11.

7. Data Breach Notification

In the unlikely event of a data breach affecting personal information we hold (such as newsletter email addresses), we will:

• Notify affected users via email within 72 hours of becoming aware of the breach
• Provide clear information about what data was compromised
• Explain steps we're taking to address the breach and prevent future incidents
• Offer guidance on protective measures you can take

Given our minimal data collection practices, the scope of any potential breach would be limited to newsletter email addresses and aggregated analytics data. No raw financial data from calculators is ever at risk because we never store it.

8. Security Measures

We maintain appropriate technical and organizational measures to protect any data we collect, including:

• Secure SSL/TLS encryption for all data transmission
• Regular security updates and monitoring
• Limited access to any collected data
• Secure hosting infrastructure with reputable providers

9. Third-Party Services and Links

Third-Party Links

Our website may contain links to third-party sites (government portals like KWSP, JPJ, LHDN, BNM, and other official sources). We are not responsible for the privacy practices of these external sites. Please review their privacy policies before sharing any personal information.

Third-Party Services We Use

• Google Analytics 4: For website analytics (subject to Google's Privacy Policy)
• Newsletter service provider: For managing email subscriptions (if applicable)

These services may collect data as described in their own privacy policies.

10. Children's Privacy

JustCheck.my is intended for adults making financial decisions. We do not knowingly collect personal information from individuals under 18 years of age. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately at support@justcheck.my, and we will delete such information from our records.

11. International Users

This website is designed primarily for Malaysian users and complies with Malaysian data protection laws (PDPA 2010). If you access our site from outside Malaysia, please note that:

• Your data may be processed and stored in Malaysia
• Your data will be subject to Malaysian jurisdiction and privacy laws
• By using our site, you consent to the transfer of your information to Malaysia

12. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. Any changes will be:

• Posted on this page with an updated "Last updated" date
• Notified to newsletter subscribers if the changes materially affect how we handle personal data
• Effective immediately upon posting unless otherwise stated

We encourage you to review this policy periodically.