Privacy Policy

BSN Merchant Bank Bhd ("we", "us", "our") is committed to protecting the privacy and security of your personal data in accordance with the Personal Data Protection Act 2010 (PDPA) of Malaysia and the guidelines issued by Bank Negara Malaysia.

1. Information We Collect

We collect information you provide directly, such as your name, MyKad number, address, contact details and financial information when you apply for or use our products and services. We also collect information automatically, including device information, IP address and transaction activity, to help secure your account and improve our services.

2. How We Use Your Information

Your information is used to open and manage your accounts, process transactions, assess creditworthiness, prevent fraud, comply with legal and regulatory obligations, and communicate with you about your accounts and relevant products.

3. Sharing of Information

We do not sell your personal data. We may share information with regulatory bodies such as Bank Negara Malaysia, credit reporting agencies, PIDM, and service providers who process data on our behalf under strict confidentiality obligations.

4. Data Security

We employ industry-standard security measures, including 256-bit encryption, multi-factor authentication and continuous fraud monitoring, to protect your personal data against unauthorised access, alteration or disclosure.

5. Data Retention

We retain your personal data for as long as necessary to fulfil the purposes outlined in this policy and to comply with applicable legal, regulatory, accounting and reporting requirements.

6. Your Rights

Under the PDPA, you have the right to access, correct and, in certain circumstances, request the deletion of your personal data. To exercise these rights, please contact our Data Protection Officer using the details below.

7. Cookies

Our website uses cookies to enhance your browsing experience, remember preferences and analyse site traffic. You may disable cookies in your browser settings, though some site functionality may be affected.

8. Changes to This Policy

We may update this Privacy Policy from time to time. Material changes will be communicated via our website or direct notification.

9. Contact Us

For questions about this policy or to exercise your data protection rights, contact our Data Protection Officer at info@bsn-bhd.com or write to us at Wisma Genting, Floor 15, Jalan Sultan Ismail, 50250 Kuala Lumpur, Malaysia.