Privacy Policy

We are committed to protecting the confidential information of individuals and companies obtained in the course of our business operations.

Personal information refers to important information that can be used to identify and relate to you. This privacy policy explains how we handle personal information collected through this website or by other means.

Personal Information Collected About You

1. General Identification and Contact Information: Name, address, email, contact details, and health-related information.
2. Purpose of Use: Personal information collected from you will be used now and in the future for MM2H visa services, insurance services, investment advisory for financial products, and study abroad support services.
3. Marketing Information: Customer feedback and survey information.

How We Use Your Personal Information

1. When communicating with customers as part of our business operations
2. When sending important information regarding changes to our policies, services, fees, related terms and conditions, and other administrative information
3. When providing services tailored to your preferences
4. When providing visa application and consulting, investment consulting, insurance service consulting, study abroad support advice and consulting, and related services
5. When conducting market research and analysis such as questionnaire surveys
6. When providing marketing information tailored to your preferences
7. When managing our business operations and infrastructure to comply with internal policies and procedures regarding accounting, auditing, billing and collection, IT systems, data and website hosting, record and document management
8. When responding to applicable laws and regulatory agencies such as anti-money laundering and counter-terrorism measures, responding to legal proceedings, and responding to requests from public authorities and government agencies
9. When establishing and protecting legal rights, protecting the operations of our company or our group companies and real estate business partners, and protecting the rights, privacy, safety, and property of our company and group
10. When resolving complaints and processing data access or correction requests

Cases Where Personal Information is Used or Disclosed

• Disclosure to Group Companies: We may disclose your personal information to our group companies, Cosmos Plan Sdn Bhd and Cosmos Plan Co., Ltd. (Japan).
• Related Agencies: Other insurance agencies, educational institutions, and financial product agencies.
• External Service Providers: Lawyers, accountants, auditors, property appraisers, banks, professional advisors, etc.
• Government Authorities and Courts: We may provide personal information to courts, law enforcement agencies, tax authorities, criminal investigation agencies, etc. for legal compliance and legal proceedings.

Storage and Retention of Personal Information

• Your personal information is stored in hard copy or in data storage systems operated by us or our service providers.
• Personal information provided by you will be retained by us for as long as necessary for its purpose.
• We will respond to requests for access to and correction of personal information stored by us, as well as any questions and concerns.

Links to Third-Party Websites

This privacy policy applies only to this website and does not apply to third-party websites that you access from this website. Please read the privacy policies of those respective websites to understand how they handle your personal information.

Updates to Privacy Policy

We may change this privacy policy from time to time. Please check our website for the latest information on our practices.

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Contact Us

For questions regarding this privacy policy, requests for disclosure or correction of personal information we hold, or other inquiries regarding the handling of personal information, please contact us at the following:

Last Updated: January 2023