Privacy Notice

Last Updated: 2026-02-22

MyCoop (“we”, “our”, “us”) is committed to protecting your personal data and respecting your privacy. This Privacy Notice explains how we collect, use, disclose, and safeguard your personal information in accordance with the Personal Data Protection Act 2010 (PDPA Malaysia), the General Data Protection Regulation (GDPR), and commonly accepted data protection principles.

1. What Data We Collect

We may collect and process the following categories of personal data:

• Identity Information: Name, IC/Passport, membership number, date of birth, gender.
• Contact Information: Address, email, phone number.
• Financial Information: Savings, contributions, dividends, financing applications, bank details.
• Technical Data: IP address, device type, browser details, login logs, cookies.
• Usage Data: Interactions with dashboard, features, and pages.
• Document Data: Uploaded IC copy, statements, income documents.

2. How We Collect Your Data

We collect personal data through:

• Registration forms and online applications
• Dashboard usage and interactions
• Uploaded documents
• Cookies and analytics tools
• Customer support communication
• Financial verification processes (when required)

3. How We Use Your Data

Your data is used for:

• Membership management and cooperative administration
• Processing financing applications and repayments
• Providing dashboard services and statements
• Sending notifications and updates
• Legal compliance, auditing, and reporting
• Improving system performance and security

4. Legal Basis for Processing (GDPR)

For EU-based users, processing may be based on:

• Performance of a contract
• Legal obligation
• Legitimate interests
• Consent (which may be withdrawn anytime)

5. Disclosure of Your Data

We may share your data with:

• Cooperative administrative departments
• Banks or payment processors
• Credit or financial assessment agencies
• Regulators, auditors, or legal authorities
• Service providers such as hosting and IT vendors

We do not sell or trade personal data.

6. Data Retention

We retain data as long as needed for:

• Your membership lifecycle
• Legal, tax, or audit requirements
• Historical cooperative records, where legally necessary

Data will be securely deleted or anonymised after retention periods expire.

7. International Data Transfers

If your data is transferred outside Malaysia, we ensure adequate safeguards and compliance with PDPA and GDPR standards.

8. Your Rights

Under PDPA Malaysia:

• Access your data
• Correct inaccuracies
• Withdraw consent
• Restrict processing

Under GDPR (for EU users):

• Request erasure (“right to be forgotten”)
• Request portability
• Object to automated decisions
• Request processing restriction

9. Cookies & Tracking

We may use cookies and analytics tools to improve usability, remember preferences, and analyse usage patterns. You may disable cookies, but some features may not work fully.

10. Data Security

We use encryption, access controls, authentication layers, and monitoring to safeguard your personal data. However, no system can fully guarantee absolute security.

11. Data Breach Notification

If a breach occurs, we will take immediate steps to contain it and notify affected users and authorities where required.

12. Third-Party Links

External links on our platform may lead to third-party sites with their own privacy practices. We are not responsible for their content or policies.

13. Changes to This Policy

We may update this Privacy Notice from time to time. Updates will be posted on this page.

14. Contact Us

If you have any questions or privacy requests, please contact: