PERSONAL DATA PROTECTION ACT
I understand that ISBAUK EDUCATIONAL GROUP will use, collect, record, store, share and/or process my personal information, including, without limitation, my contact details, background information, financial data and other information relevant to my application for the product and / or service which

I have provided or through any other contact with ISBAUK EDUCATIONAL GROUP (which shall include ISBAUK's holding company(s), subsidiary(s), and any associated company(s), including any company as a result of any restructuring, merger, sale or acquisition), or

has been obtained from analysis of my payment and other transactions/services within the ISBAUK EDUCATIONAL GROUP, or

has been obtained from third parties such as employers, joint applicants/accountholders, guarantors, legal representatives, industry/financial related associations, credit bureaus or credit reporting agencies, retailers, social networks and fraud prevention agencies or other organizations

for any and/or all of the following purposes (“Purpose”), if applicable:

providing this product and/or service and notifying me about important changes or developments to the features;

updating and managing the accuracy of ISBAUK EDUCATIONAL GROUP's records;

prevention, detection or prosecution of crime, and complying with legal and regulatory obligations;

assessment and analysis including credit / lending / insurance risks / behavior scoring / market and product analysis and market research;

communications and ensuring customer satisfaction, which may include conducting surveys to improve the quality of our products and services, responding to inquiries and complaints and to generally resolve disputes;

determining the amount of my indebtedness and recovering debt that I owe to ISBAUK;

maintaining my credit history for present and future reference;

enabling an actual or proposed assignee of ISBAUK, or participant or sub-participant of ISBAUK to evaluate my transactions which are intended to be the subject of the assignment, participation or sub-participation; and

protecting ISBAUK EDUCATIONAL GROUP's interests and other ancillary or related purposes.

I understand and acknowledge that it is necessary for ISBAUK to process my personal information for the Purpose, without which ISBAUK will not be able to provide the product/service that I have requested from ISBAUK and to notify me about important changes or developments to the products/services. Where I have provided ISBAUK with sensitive personal information (in particular, information consisting my physical/mental health for applications of insurance products/services), I hereby provide ISBAUK with my express consent to process the same in the manner described in this Privacy Notice.

I understand that ISBAUK may disclose my personal information (or sensitive personal information, if applicable) to other companies within the ISBAUK EDUCATIONAL GROUP, service providers, merchants and strategic partners, vendors including debt collection agencies, professional advisers, industry/financial related associations, credit bureaus or credit reporting agencies and fraud prevention agencies, governmental agencies, other financial institutions and any of their respective agents, servants and/or such persons, whether located within or outside Malaysia for the Purpose, if applicable, subject at all times to any laws (including regulations, standards, guidelines and/or obligations) applicable to ISBAUK.

I further understand that I may request for correction (if my personal information is inaccurate, outdated, incomplete, etc), access to (a prescribed fee may be charged), or deletion (if I no longer have any existing products/services with ISBAUK EDUCATIONAL GROUP) of my personal information or limit the processing thereof at any time hereafter by submitting such request via post, email or fax to the following address:

ISBAUK EDUCATIONAL GROUP
LEVEL 10, SUITE 10-02A, BREM MALL,
JALAN KEPONG,
52000 KUALA LUMPUR, MALAYSIA
Facsimile number: 03 625 77 465 / Telephone number: 03 625 77 452
Email: info@isbauk.edu.my

[This paragraph is only applicable to individual guarantor(s), if any]
I understand that as a guarantor, ISBAUK will process my personal information according to the Purpose described above and that I will have similar rights to access and correct my personal information as described above.

ACKNOWLEDGEMENT AND CONSENT
By providing my personal information, I consent to ISBAUK processing my personal information for any necessary disclosures and overseas transfers of my personal information to relevant third parties, for the Purpose, if applicable.

I agree to the disclosure and/or transfer of my personal information to relevant third parties as a result of any restructuring, sale or acquisition of any company within the ISBAUK EDUCATIONAL GROUP, provided that the recipient uses my personal information for the Purpose, if applicable.

I also represent and warrant that I have sufficiently obtained the consent of third party individual(s) (e.g. family, spouse, related parties, supplementary cardholder and/or emergency contact persons, etc) whose personal information I have disclosed to ISBAUK to allow ISBAUK to process the same in relation to the Purpose, if applicable.

[This paragraph is only applicable to the authorized signatory(s)/contact person(s) of ISBAUK's corporate customer(s), if any]
As the authorized signatory(s)/contact person(s) of ISBAUK’s corporate customer, I/we understand that personal information of the directors, individual shareholders, employees, etc, may be collected and processed by ISBAUK for the Purposes described above. I/We represent and warrant that I am/we are entitled to provide the said personal information of my/our legal entity (corporate customer) to ISBAUK and/or the appropriate consent have been obtained to allow ISBAUK to process his/her personal information for the Purpose.