Privacy Policy

Effective date: 1st September 2025

​

This Privacy Policy outlines the practices of Legacy Advisory Sdn Bhd and its online platform, CoverLife, regarding the collection, use, and disclosure of your personal data. We are committed to protecting your privacy and handling your personal data in a transparent and secure manner, in compliance with the Malaysian Personal Data Protection Act (PDPA) 2010.

This policy applies to all visitors and users of our website, located at www.coverlife.my.

​

1. Information We Collect
We collect various types of personal data to provide our services and improve your experience. This data is categorized as follows:

​

Personal Data You Provide: This is information you knowingly and voluntarily submit when you request a quote, create an account, or contact us. It may include:

• Identity and Contact Information: Full name, NRIC/passport number, phone number, email address, and mailing address.

• Demographic & Health Information: Your gender, date of birth, marital status, occupation, and any relevant health conditions or medical history necessary to generate accurate and comprehensive insurance quotes.

• Financial Information: Details such as income level or budget preferences, when required to tailor policy recommendations.

• Other Information: Any other data you choose to provide in forms or during communication with our advisors.

​​

Data Collected Automatically: When you use our website, we automatically collect certain information about your device and browsing activity. This data helps us analyze website performance and improve our services. This may include:

• Technical Data: Your IP address, browser type, device type, operating system, and unique device identifiers.

• Usage Data: Details about how you interact with our Site, such as the pages you visit, the time spent on those pages, referral sources, and clickstream data.

​​

2. How We Use Your Personal Data
We use your personal data for the following legitimate business purposes:

• Service Provision: To process your requests for insurance quotes, to pre-fill application forms, and to facilitate communication between you and our partner insurers. This is the core purpose of our service.

• Communication: To contact you regarding your quote requests, to respond to your inquiries, and to provide customer support.

• Marketing and Promotions: To send you updates, promotions, and information about new products or services that may be relevant to your interests, via email, SMS, or other communication channels. You have the option to unsubscribe from these communications at any time.

• Internal Business Analysis: To analyze user behavior, trends, and preferences to improve our website's functionality, performance, and user experience.

• Fraud Prevention and Security: To detect and prevent fraudulent or malicious activities, protect the security of our website, and ensure compliance with our terms of service.

• Legal Compliance: To comply with legal obligations, including responding to valid requests from law enforcement or government authorities.

​​

3. Disclosure of Your Personal Data
We share your personal data with the following categories of third parties to operate our business and provide our services:

• Partner Insurance Companies: We are required to share your personal data, including your demographic and health information, with our partner insurers to enable them to generate accurate, tailored quotations for you. These insurers will handle your data in accordance with their own respective privacy policies.

• Third-Party Service Providers: We engage trusted third-party service providers to perform functions on our behalf. These services may include website hosting, data analytics, email and communication services, and customer relationship management (CRM). These parties are bound by strict confidentiality agreements and are prohibited from using your data for any purpose other than providing services to us.

• Business Transfers: In the event of a merger, acquisition, or sale of our assets, your personal data may be transferred as part of the transaction. We will notify you of any such change in ownership.

​​

4. Data Security
We are committed to protecting your personal data and employ robust technical and organizational security measures to safeguard it. These measures include data encryption, access control policies, firewalls, and regular security reviews. While we take every reasonable precaution, no data transmission over the Internet can be guaranteed to be 100% secure. You share personal data at your own risk.

​

5. Data Retention
We will retain your personal data only for as long as is necessary to fulfill the purposes for which it was collected, including for the purposes of satisfying any legal, accounting, or reporting requirements. When it is no longer necessary to retain your data, we will securely destroy or anonymize it.

​

6. Your Rights
As a data subject in Malaysia, you have the following rights under the PDPA 2010:

• Right to Access: You have the right to request a copy of the personal data we hold about you.

• Right to Correction: You have the right to request that any inaccurate or incomplete personal data we hold about you be corrected.

• Right to Withdraw Consent: You have the right to withdraw your consent to our processing of your personal data at any time. This may affect our ability to continue providing you with certain services.

• Right to Lodge a Complaint: You have the right to lodge a complaint with the Personal Data Protection Commissioner in Malaysia if you believe your rights have been violated.

​

7. Changes to This Privacy Policy 
We reserve the right to modify this Privacy Policy at any time. Any changes will be posted on this page, and the effective date will be updated. We encourage you to review this policy periodically to stay informed about how we are protecting your data.

​

8. Contact Us

For any questions, complaints or more information on this privacy policy please contact hello@coverlife.my