Effective Date: 1 October 2025
This Privacy Policy outlines how the owner and operator of The Ledger Asia, collects, uses, discloses, retains, and protects your personal data in compliance with the Personal Data Protection Act 2010 (PDPA) of Malaysia.
By accessing our website, subscribing to our content, or using any of our services, you consent to the processing of your personal data as described in this Policy.
1. Scope of This Policy
This Policy applies to all users of The Ledger Asia platforms, including subscribers, website visitors, clients, business partners, and prospective customers. It governs personal data collected via our:
- Website (www.theledger.asia)
- Email communications
- Subscription forms
- Customer support channels
- Marketing campaigns and partner platforms
2. What Personal Data We Collect
Depending on your interaction with us, we may collect the following types of personal data:
- Identification Information: Full name, NRIC/passport (where required)
- Contact Information: Email address, phone number, mailing/billing address
- Account Information: Username, password, subscription plan details
- Payment Information: Credit/debit card details (collected via secure third-party payment processors)
- Usage Data: IP address, browser type, device ID, cookies, access time, referring URLs, interactions with content or ads
- Marketing Preferences: Newsletter opt-ins, event RSVP data, feedback/survey responses
We do not knowingly collect data from individuals under the age of 13 without verifiable parental consent.
3. Legal Basis for Processing
We process personal data based on one or more of the following legal grounds:
- Your consent (express or implied)
- Contractual necessity (e.g., managing your subscription)
- Legal obligations (e.g., anti-money laundering, tax compliance)
- Legitimate business interest (e.g., improving service quality, fraud prevention)
4. Purposes of Data Collection
Your personal data may be used for the following purposes:
- To manage account creation, authentication, billing, and subscriptions
- To provide access to premium or exclusive content
- To send updates, newsletters, marketing offers, and service announcements
- To conduct surveys, feedback, or audience analysis
- To improve user experience, platform performance, and analytics
- To process payments and manage transactional records
- To ensure compliance with legal and regulatory requirements
- To respond to inquiries, support tickets, and customer feedback
- To detect, investigate, and prevent fraud or unauthorised activities
5. Disclosure to Third Parties
We may disclose your personal data to the following categories of recipients, strictly for the above purposes:
- Authorised Employees and Consultants under confidentiality obligations
- Third-Party Vendors and Service Providers such as:
- Payment gateway providers (e.g., Stripe, PayPal)
- Cloud hosting and IT infrastructure services
- Email marketing platforms
- Analytics or advertising partners
- Legal and Regulatory Authorities, where required by law or court order
- Professional Advisors, such as legal, audit, or compliance consultants
We do not sell or rent your personal data to any third party.
6. International Data Transfers
Some service providers may be located outside Malaysia. In such cases, we ensure that your personal data is protected with appropriate safeguards in accordance with applicable data protection laws, including contractual obligations to ensure an adequate level of protection.
7. Data Retention
We retain your personal data only for as long as necessary:
- To fulfill the purpose for which it was collected
- As required by law or regulation (e.g., tax, accounting, or legal claims)
- Until you withdraw your consent (where applicable)
After this period, your data will be securely deleted or anonymised.
8. Your Rights Under PDPA
You have the right to:
- Access your personal data held by us
- Correct any inaccurate or outdated data
- Withdraw consent for processing (subject to contractual/legal implications)
- Request deletion of your data in certain circumstances
- Restrict or object to data processing where justified
- Lodge a complaint with the Personal Data Protection Commissioner (Malaysia)
To exercise your rights, contact us at: editor@theledger.asia
9. Data Security
We implement technical and organisational security measures, including:
- SSL encryption
- Role-based access control
- Secure cloud infrastructure
- Regular vulnerability assessments
However, no data transmission over the Internet can be guaranteed as 100% secure. You share information at your own risk.
10. Cookies and Online Tracking
We use cookies, tracking pixels, and similar technologies to:
- Recognise returning users
- Customise content and ads
- Measure campaign effectiveness
- Enhance navigation and usability
You may disable cookies in your browser settings, but doing so may affect the functionality of the website.
11. Links to Third-Party Sites
Our website may contain links to external sites not operated by us. We are not responsible for the privacy practices or content of those sites. Please review their respective privacy policies before submitting personal data.
12. Children’s Privacy
The Ledger Asia does not target or knowingly collect personal data from children under the age of 13. If we become aware that personal data has been collected from a child without verifiable parental consent, we will delete it immediately.
13. Changes to This Policy
We reserve the right to update this Privacy Policy at any time. Updates will be posted on this page with the effective date revised accordingly. You are encouraged to review this page periodically.
Your continued use of our services constitutes acceptance of the revised policy.
14. Contact Us
For questions, requests, or complaints regarding this Privacy Policy or your personal data, please contact:
Data Protection Officer
The Ledger Asia
Email: editor@theledger.asia
Website: theledger.asia