Privacy Policy

LIFEFOCUS CONSULTING PLT (“Life Focus Consulting”, “we”, “us”) is an insurance advisory practice based at E-6-01, Capital 5, No. 2 Jalan PJU 1A/7A, Oasis Square, Ara Damansara, 47301 Petaling Jaya, Selangor, Malaysia.

We are the data controller for the information described below. If you have a question about this policy, contact us using the details at the end.

• Contact details — your name, phone number, email address and preferred way of being contacted.
• What you tell us — the content of your enquiry, whether typed into a form on this website, sent to us on WhatsApp, or discussed by phone or in person.
• Information needed to advise you — for example your age, dependants, occupation, existing cover, budget, and health or lifestyle details where these affect a recommendation or an insurer's decision.
• Documents you choose to send us — such as an identity document, existing policy schedule or vehicle registration, when these are needed to prepare a quotation or an application.
• Basic technical information — such as the pages you visit on this site, collected to keep the site working and secure.

We do not ask for more than we need, and you are never obliged to answer a question. If you decline to provide something essential, we will tell you what we cannot do without it.

• To respond to your enquiry and answer your questions.
• To understand your situation and prepare a suitable recommendation or quotation.
• To arrange appointments with a licensed advisor.
• To submit an application to an insurer or takaful operator on your instruction, and to service the policy afterwards — renewals, claims and changes.
• To meet legal and regulatory obligations, including record-keeping expected of intermediaries in the Malaysian insurance industry.

We do not sell your personal data, and we do not share it with third parties for their own marketing.

You can reach us on WhatsApp. Messages are delivered through the WhatsApp Business Platform operated by Meta, so your message also passes through Meta's systems and is subject to Meta's own privacy terms in addition to this policy.

Our WhatsApp line is answered by an automated assistant as well as by our team. To draft helpful replies and route your enquiry to the right advisor, the content of your messages may be processed by an artificial-intelligence service acting on our behalf.

The assistant provides general information and helps arrange a consultation. It does not make recommendations on its own — every recommendation comes from a licensed human advisor. You can ask to speak to a person at any point, and we will hand the conversation over.

• Insurers and takaful operators — such as Allianz and Zurich Takaful, when you ask us to obtain a quotation or submit an application. They use your data under their own privacy policies.
• Technology providers who host our website, store our records and deliver our messages, strictly to provide those services to us.
• Regulators, auditors and law enforcement, where we are required or permitted by Malaysian law to do so.

Our records are held in secure, access-controlled systems provided by established technology suppliers. Some of these systems, including our messaging and hosting providers, operate servers outside Malaysia. Where your data is transferred abroad, we take reasonable steps to ensure it remains protected to a standard comparable with the PDPA.

If you enquire but do not proceed, we keep your enquiry only as long as it is useful to follow up, and no longer than is reasonable for that purpose. If you take out a policy through us, we keep your records for as long as the policy is active and afterwards for the period required by law and by our industry's record-keeping obligations.

Under the PDPA you may:

• ask for a copy of the personal data we hold about you;
• ask us to correct anything inaccurate or out of date;
• withdraw your consent to our use of your data, or limit how we use it;
• ask us to stop contacting you for marketing purposes.

Write to us using the details below and we will respond within the period required by law. Withdrawing consent may mean we can no longer advise you or service an existing application, and we will tell you clearly if that is the case.

Access to client records is restricted to the advisors and staff who need it, protected by individual accounts and authentication. We review who has access as our team changes. No system is perfectly secure, but we take these obligations seriously and act promptly if something goes wrong.

This website uses only the cookies necessary for it to function and remain secure. We do not use advertising cookies or third-party tracking on this site.

We may update this policy as our services or the law change. The date at the top always reflects the current version.

For any question about this policy, or to exercise any of the rights above, contact us at:

LIFEFOCUS CONSULTING PLT
E-6-01, Capital 5, No. 2 Jalan PJU 1A/7A
Oasis Square, Ara Damansara
47301 Petaling Jaya, Selangor
lifefocus.wecare@gmail.com

You can also reach us through the contact page.