Privacy Policy for Koperasi Tabung Haji Berhad Mobile Application
Effective Date: 13/05/2026
Last Updated: 13/05/2028
Koperasi Tabung Haji Berhad (“KTHB”, “we”, “our”, or “us”) respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application (“App”).
By downloading, accessing, or using the App, you agree to the terms of this Privacy Policy.
1. Information We Collect
We may collect the following types of information:
a) Personal Information
When you register or use our services, we may collect:
Full name
Membership number
Account login credentials
b) Financial Information
For cooperative-related services, we may collect:
Savings or financing account information Transaction history
c) Device and Technical Information
We may automatically collect:
Device model and operating system IP address App version Mobile network information Device identifiers Log and diagnostic data d) Usage Information
We may collect information regarding:
Features accessed Pages viewed Session duration User activity within the App
2. How We Use Your Information
We use the collected information to:
Provide and maintain our services Verify user identity and membership Process transactions and requests Improve application performance and user experience Send notifications, updates, and important announcements Respond to inquiries and customer support requests Comply with legal and regulatory obligations Prevent fraud, unauthorized access, or misuse
3. Permissions Used by the App
The App may request access to certain device permissions, including:
Internet access Camera access (for document upload or profile verification) Storage access (for saving or uploading files) Notification access (for important updates and alerts)
These permissions are used solely for the functionality of the App.
4. Sharing of Information
We do not sell your personal information.
We may share information with:
Authorized service providers and technology partners Financial institutions or payment gateways Regulatory authorities or government agencies when required by law Internal departments of Koperasi Tabung Haji Berhad for operational purposes
All third parties are required to maintain the confidentiality and security of your information.
5. Data Security
We implement reasonable administrative, technical, and physical security measures to protect your information against:
Unauthorized access Alteration Disclosure Loss or destruction
However, no method of electronic transmission or storage is completely secure, and we cannot guarantee absolute security.
6. Data Retention
We retain your information only for as long as necessary to:
Fulfill the purposes described in this Policy Comply with legal, regulatory, and operational requirements Resolve disputes and enforce agreements
7. Your Rights
Subject to applicable laws, you may have the right to:
Access your personal information Request correction of inaccurate information Withdraw consent where applicable Request deletion of your information Object to certain processing activities Requests may be submitted through the contact information below.
8. Children’s Privacy
The App is not intended for children under the age of 13. We do not knowingly collect personal information from children.
9. Third-Party Services
The App may contain links or integrations with third-party services. We are not responsible for the privacy practices or content of third-party services.
10. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. Any changes will be posted within the App or on our official website. Continued use of the App after updates constitutes acceptance of the revised Policy.
11. Contact Us
If you have any questions or concerns regarding this Privacy Policy, please contact:
Koperasi Tabung Haji Berhad Email: [Insert Official Email] Phone: [Insert Phone Number] Address: [Insert Official Address]
12. Consent
By using the App, you acknowledge that you have read, understood, and agreed to this Privacy Policy.