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Privacy Policy

Last Updated: January 1, 2023

1. Information We Collect

When you join our WhatsApp group or interact with our services, we may collect:

• Your WhatsApp phone number and profile name
• Any messages, files or media you share in the group
• Your interactions with our content (views, clicks, etc.)
• Device information (browser type, IP address)

2. How We Use Your Information

We use the information we collect to:

• Provide stock recommendations and educational content
• Improve our services and user experience
• Send important updates about the group
• Prevent fraud and ensure group security
• Comply with legal obligations

3. Data Sharing

We do not sell your personal information. We may share data with:

• Service providers who assist our operations
• Legal authorities when required by law
• Other group members (your messages are visible to the group)

4. Data Security

We implement security measures to protect your information, but no online method is 100% secure. WhatsApp communications are encrypted by WhatsApp's security protocols.

5. Your Rights

You may:

• Request access to your personal data
• Ask us to correct inaccurate information
• Request deletion of your data (subject to legal requirements)
• Leave the WhatsApp group at any time

6. Changes to This Policy

We may update this policy periodically. Continued use of our services constitutes acceptance of the updated policy.

7. Contact Us

For privacy-related inquiries, please message the group admin on WhatsApp.

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Terms of Service

Last Updated: January 1, 2023

1. Acceptance of Terms

By joining our WhatsApp group, you agree to these Terms of Service and our Privacy Policy.

2. Service Description

We provide free stock market information, educational content, and community discussion for Malaysian investors. This is not professional financial advice.

3. User Responsibilities

You agree to:

• Maintain respectful communication with other members
• Not share spam, illegal content, or misinformation
• Conduct your own research before making investment decisions
• Not share copyrighted material without permission

4. Disclaimers

All content is provided "as is" without warranties:

• We don't guarantee accuracy or completeness of information
• Stock performance is not guaranteed
• You assume all investment risks
• Past performance doesn't indicate future results

5. Limitation of Liability

We are not liable for:

• Investment losses you may incur
• Technical issues with WhatsApp or third-party services
• Unauthorized access to your information
• Content posted by other group members

6. Group Management

We reserve the right to:

• Remove members who violate these terms
• Modify or discontinue the group at any time
• Change these terms with notice to members

7. Third-Party Services

Our services depend on WhatsApp, which has its own terms and privacy policy you must comply with.

8. Governing Law

These terms are governed by Malaysian law. Any disputes shall be resolved in Malaysian courts.