PERSONAL DATA PROTECTION NOTICE
Kumpulan Spektra Sdn Bhd (822350T)
Effective date: 15/7/2026
Kumpulan Spektra Sdn Bhd (“Kumpulan Spektra”, “we”, “us” or “our”) respects your privacy and is committed to protecting your personal data.
This Personal Data Protection Notice explains how we collect, use, disclose, store and protect your personal data in accordance with the Personal Data Protection Act 2010 and other applicable Malaysian laws.
This Notice applies to customers, potential customers, policyholders, insured persons, claimants, representatives, website visitors and other individuals who communicate or conduct business with us.
1. Personal Data We May Collect
Depending on the insurance product or service requested, we may collect:
Your name, identification details, date of birth, nationality and gender;
Your address, telephone number, email address and other contact information;
Vehicle registration, vehicle details, driving information and No Claim Discount information;
Insurance quotations, policies, renewal dates, coverage, claims and payment information;
Travel details, employment details, company information and information about insured persons;
Accident, claim, medical or health information where required for an insurance application or claim;
Copies of documents provided by you, including identification, vehicle, policy, company or claim documents;
Records of telephone calls, WhatsApp messages, emails and other communications;
Website information such as IP address, browser information, cookies and website activity; and
Any other information reasonably required to provide insurance-related services.
Where you provide personal data relating to another person, such as a driver, employee, traveller, family member or beneficiary, you confirm that you are authorised to provide the information and have informed that person about this Notice.
2. Sources of Personal Data
We may collect personal data:
Directly from you through our website, forms, WhatsApp, telephone, email, social media or in-person communications;
From your employer, company, representative, family member or another person acting on your behalf;
From insurance or takaful companies;
From claims-related service providers and authorised industry databases;
From government agencies or regulatory authorities where permitted;
From our business partners and service providers; and
From publicly available sources.
3. How We Use Personal Data
We may process your personal data to:
Respond to enquiries and prepare insurance quotations;
Verify your identity and the accuracy of information provided;
Submit insurance applications to insurers for underwriting and approval;
Arrange, renew, amend, cancel and administer insurance policies;
Facilitate payments, refunds and policy-document delivery;
Assist with accident notifications, claims and complaints;
Provide customer service and communicate application or policy updates;
Send policy-expiry and renewal reminders;
Maintain customer and transaction records;
Detect or prevent fraud, misuse and unlawful activities;
Meet legal, regulatory, audit and insurer requirements;
Improve our services, website, customer experience and internal operations;
Prepare internal reports and business analysis;
Exercise or defend legal rights; and
Send promotions or marketing communications where you have provided the required consent.
4. Disclosure of Personal Data
Where necessary for the purposes stated in this Notice, we may disclose your personal data to:
Insurance and takaful companies;
Claims adjusters, investigators, surveyors, assessors, workshops, repairers, medical providers and other claims-related parties;
Road-tax, vehicle-registration and related service providers;
Banks, payment processors and financial-service providers;
Website, hosting, cloud-storage, communication, CRM and IT service providers;
Auditors, accountants, lawyers and professional advisers;
Business partners, contractors and authorised service providers;
Government agencies, regulators, law-enforcement authorities and courts where required or permitted by law; and
A purchaser, successor or relevant party in connection with a proposed business transfer, restructuring or merger.
We do not sell your personal data to third parties.
5. Information Required From You
Information identified as required is necessary for us to prepare a quotation, submit an insurance application, administer a policy or assist with a claim.
If you do not provide the required information, or if the information is incomplete or inaccurate, we may be unable to provide the requested service.
Providing consent for marketing communications is optional. Refusing marketing consent will not affect your eligibility to request quotations or purchase insurance through us.
6. Marketing Communications
With your consent, we may contact you through WhatsApp, telephone, SMS, email or social media regarding insurance promotions, renewal reminders and related services.
You may stop marketing communications at any time by:
Replying “STOP” to the relevant message;
Contacting us through WhatsApp; or
Emailing our privacy contact.\
Withdrawal from marketing communications will not prevent us from sending necessary service, transaction, policy or claim-related communications.
7. Security
We take reasonable administrative, organisational and technical measures to protect personal data from loss, misuse, unauthorised access, disclosure, alteration or destruction.
Access to personal data is restricted to employees and service providers who require it for authorised business purposes.
However, no internet transmission or electronic-storage system can be guaranteed to be completely secure.
8. Retention
We retain personal data only for as long as reasonably necessary to fulfil the purposes described in this Notice and to meet legal, regulatory, insurer, accounting, audit and dispute-resolution requirements.
When personal data is no longer required, we will take reasonable steps to securely delete, destroy or anonymise it.
9. Your Rights
Subject to applicable law, you may:
Request correction of inaccurate, incomplete or outdated personal data;
Withdraw consent previously provided;
Object to or stop the use of your personal data for direct marketing;
Request information about how your personal data is processed;
Request data portability where applicable; and
Make a complaint concerning the handling of your personal data.
Some requests may be subject to legal exceptions, verification requirements or a permitted fee.
Withdrawal of consent will not affect processing already carried out and may affect our ability to continue providing certain services.
10. Cookies and Website Information
Our website may use essential cookies and similar technologies to operate the website, understand website usage and improve the customer experience.
Where required, you may manage non-essential cookies through the website’s cookie settings or your browser settings.
Third-party websites or social-media platforms linked from our website operate under their own privacy notices. We are not responsible for their privacy practices.
11. Changes to This Notice
We may update this Notice to reflect changes in our operations, technology, legal requirements or insurance services.
The latest version will be published on our website with its effective date. Material changes may also be communicated through other appropriate channels.
12. Contact Us
For questions, access or correction requests, withdrawal of marketing consent or privacy-related complaints, please contact:
Privacy Contact
Kumpulan Spektra Sdn Bhd (822350T)
Address:
9, Mezzanine Floor, Jalan Macalister, 10400 George Town, Pulau Pinang
Email: admin@spektra-pg.com
WhatsApp: +60 11-5415 7228
Website: www.spektra-pg.com
We may request information to verify your identity before processing a privacy-related request.
13. Acknowledgement
By providing personal data to Kumpulan Spektra, you acknowledge that you have read and understood this Personal Data Protection Notice.