<p><strong>KCK Kok Engineering Sdn. Bhd. (hereinafter referred to as &quot;KCK&quot;)</strong><br />
<strong>Semix Sdn. Bhd. (hereinafter referred to as &quot;Semix&quot;)</strong></p>

<p style="text-align:justify">&nbsp;</p>

<p style="text-align:justify"><span style="font-size:11pt"><span style="font-size:12.0pt">At <strong>KCK or SEMIX</strong>, we value your privacy and strive to protect your personal information in compliance with the laws of Malaysia, including the Personal Data Protection Act 2010 (PDPA).</span></span></p>

<p style="text-align:justify"><span style="font-size:11pt"><strong><span style="font-size:13.5pt">Introduction</span></strong></span></p>

<p style="text-align:justify"><span style="font-size:11pt"><span style="font-size:12.0pt">This Privacy Notice is designed to explain how we collect, use, disclose, and safeguard your personal information. By interacting with us, you agree to the processing of your personal information as described in this Privacy Notice.</span></span></p>

<p style="text-align:justify">&nbsp;</p>

<p style="text-align:justify"><span style="font-size:11pt"><strong><span style="font-size:13.5pt">Scope</span></strong></span></p>

<p style="text-align:justify"><span style="font-size:11pt"><span style="font-size:12.0pt">This Privacy Notice applies to all individuals who interact with KCK/SEMIX, including customers, potential customers, employees, contractors, and visitors.</span></span></p>

<p style="text-align:justify">&nbsp;</p>

<p style="text-align:justify"><span style="font-size:11pt"><strong><span style="font-size:13.5pt">Collection of Personal Information</span></strong></span></p>

<p style="text-align:justify"><span style="font-size:11pt"><span style="font-size:12.0pt">We collect personal information to provide and improve our services. The types of personal information we collect include:</span></span></p>

<ul style="margin-left:40px">
	<li style="text-align:justify">
	<p><span style="font-size:11pt"><strong><span style="font-size:12.0pt">Identification Data:</span></strong><span style="font-size:12.0pt"> Name, NRIC/passport number, date of birth, gender.</span></span></p>
	</li>
	<li style="text-align:justify">
	<p><span style="font-size:11pt"><strong><span style="font-size:12.0pt">Contact Information:</span></strong><span style="font-size:12.0pt"> Address, phone number, email address.</span></span></p>
	</li>
	<li style="text-align:justify">
	<p><span style="font-size:11pt"><strong><span style="font-size:12.0pt">Financial Information:</span></strong><span style="font-size:12.0pt"> Bank account details, income, credit history.</span></span></p>
	</li>
	<li style="text-align:justify">
	<p><span style="font-size:11pt"><strong><span style="font-size:12.0pt">Transaction Data:</span></strong><span style="font-size:12.0pt"> Details of your transactions with us.</span></span></p>
	</li>
	<li style="text-align:justify">
	<p><span style="font-size:11pt"><strong><span style="font-size:12.0pt">Technical Data:</span></strong><span style="font-size:12.0pt"> IP address, browser type, operating system, device information.</span></span></p>
	</li>
	<li style="text-align:justify">
	<p><span style="font-size:11pt"><strong><span style="font-size:12.0pt">Behavioral Data:</span></strong><span style="font-size:12.0pt"> Preferences, interests, interaction history.</span></span></p>
	</li>
</ul>

<p style="text-align:justify">&nbsp;</p>

<p style="text-align:justify"><span style="font-size:11pt"><strong><span style="font-size:13.5pt">Sources of Personal Information</span></strong></span></p>

<p style="text-align:justify"><span style="font-size:11pt"><span style="font-size:12.0pt">We may collect personal information from various sources, including:</span></span></p>

<ul style="margin-left:40px">
	<li style="text-align:justify">
	<p><span style="font-size:11pt"><strong><span style="font-size:12.0pt">Directly from you:</span></strong><span style="font-size:12.0pt"> Through application forms, surveys, and other communications.</span></span></p>
	</li>
	<li style="text-align:justify">
	<p><span style="font-size:11pt"><strong><span style="font-size:12.0pt">Automated technologies:</span></strong><span style="font-size:12.0pt"> Cookies, web beacons, and other tracking technologies.</span></span></p>
	</li>
	<li style="text-align:justify">
	<p><span style="font-size:11pt"><strong><span style="font-size:12.0pt">Third parties:</span></strong><span style="font-size:12.0pt"> Credit reporting agencies, business partners, government agencies.</span></span></p>
	</li>
</ul>

<p style="text-align:justify">&nbsp;</p>

<p style="text-align:justify"><span style="font-size:11pt"><strong><span style="font-size:13.5pt">Use of Personal Information</span></strong></span></p>

<p style="text-align:justify"><span style="font-size:11pt"><span style="font-size:12.0pt">We may use your personal information for purposes including, but not limited to:</span></span></p>

<ul style="margin-left:40px">
	<li style="text-align:justify">
	<p><span style="font-size:11pt"><span style="font-size:12.0pt">Providing, maintaining, and improving our products and services.</span></span></p>
	</li>
	<li style="text-align:justify">
	<p><span style="font-size:11pt"><span style="font-size:12.0pt">Processing your transactions and managing your account.</span></span></p>
	</li>
	<li style="text-align:justify">
	<p><span style="font-size:11pt"><span style="font-size:12.0pt">Conducting credit assessments and financial reviews.</span></span></p>
	</li>
	<li style="text-align:justify">
	<p><span style="font-size:11pt"><span style="font-size:12.0pt">Complying with legal and regulatory requirements.</span></span></p>
	</li>
	<li style="text-align:justify">
	<p><span style="font-size:11pt"><span style="font-size:12.0pt">Marketing and promotional activities, with your consent.</span></span></p>
	</li>
	<li style="text-align:justify">
	<p><span style="font-size:11pt"><span style="font-size:12.0pt">Conducting research and data analysis to improve our offerings.</span></span></p>
	</li>
</ul>

<p style="text-align:justify">&nbsp;</p>

<p style="text-align:justify"><span style="font-size:11pt"><strong><span style="font-size:13.5pt">Consent&nbsp;</span></strong></span></p>

<p style="text-align:justify">By providing your personal data to us, you consent to the processing of your data in accordance with this privacy policy. If you do not consent to any part of this privacy policy, you should not provide your personal data to us.</p>

<p style="text-align:justify">&nbsp;</p>

<p style="text-align:justify"><span style="font-size:11pt"><strong><span style="font-size:13.5pt">Data Retention</span></strong></span></p>

<p style="text-align:justify">We will retain your personal data for as long as it is necessary to fulfil the purposes for which it was collected, as outlined in this privacy policy, and to comply with applicable legal, tax, or regulatory requirements. When your personal data is no longer needed, we will take reasonable steps to securely delete or destroy it.</p>

<p style="text-align:justify">&nbsp;</p>

<p style="text-align:justify"><span style="font-size:11pt"><strong><span style="font-size:13.5pt">Disclosure of Personal Information</span></strong></span></p>

<p style="text-align:justify"><span style="font-size:11pt"><span style="font-size:12.0pt">We may share your personal information with:</span></span></p>

<ul style="margin-left:40px">
	<li style="text-align:justify">
	<p><span style="font-size:11pt"><strong><span style="font-size:12.0pt">Within the corporate group:</span></strong><span style="font-size:12.0pt"> Any subsidiaries, affiliates, and related entities.</span></span></p>
	</li>
	<li style="text-align:justify">
	<p><span style="font-size:11pt"><strong><span style="font-size:12.0pt">Service providers:</span></strong><span style="font-size:12.0pt"> Vendors, consultants, and other service providers who need access to such information to perform their work.</span></span></p>
	</li>
	<li style="text-align:justify">
	<p><span style="font-size:11pt"><strong><span style="font-size:12.0pt">Business partners:</span></strong><span style="font-size:12.0pt"> Partners with whom we collaborate to offer joint promotions or products.</span></span></p>
	</li>
	<li style="text-align:justify">
	<p><span style="font-size:11pt"><strong><span style="font-size:12.0pt">Legal and regulatory authorities:</span></strong><span style="font-size:12.0pt"> As required by law or in response to legal processes.</span></span></p>
	</li>
</ul>

<p style="text-align:justify">&nbsp;</p>

<p style="text-align:justify"><span style="font-size:11pt"><strong><span style="font-size:13.5pt">Security of Personal Information</span></strong></span></p>

<p style="text-align:justify"><span style="font-size:11pt"><span style="font-size:12.0pt">We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, loss, destruction, or alteration. Our employees are trained to handle personal information with confidentiality and care.</span></span></p>

<p style="text-align:justify">&nbsp;</p>

<p style="text-align:justify"><span style="font-size:11pt"><strong><span style="font-size:13.5pt">Retention of Personal Information</span></strong></span></p>

<p style="text-align:justify"><span style="font-size:11pt"><span style="font-size:12.0pt">We retain your personal information for as long as necessary to fulfill the purposes we collected it for, including for legal, accounting, or reporting requirements.</span></span></p>

<p style="text-align:justify">&nbsp;</p>

<p style="text-align:justify"><span style="font-size:11pt"><strong><span style="font-size:13.5pt">Your Rights</span></strong></span></p>

<p style="text-align:justify"><span style="font-size:11pt"><span style="font-size:12.0pt">You have the right to:</span></span></p>

<ul style="margin-left:40px">
	<li style="text-align:justify">
	<p><span style="font-size:11pt"><strong><span style="font-size:12.0pt">Access:</span></strong><span style="font-size:12.0pt"> Request access to your personal information.</span></span></p>
	</li>
	<li style="text-align:justify">
	<p><span style="font-size:11pt"><strong><span style="font-size:12.0pt">Correction:</span></strong><span style="font-size:12.0pt"> Request correction of inaccurate or incomplete personal information.</span></span></p>
	</li>
	<li style="text-align:justify">
	<p><span style="font-size:11pt"><strong><span style="font-size:12.0pt">Erasure:</span></strong><span style="font-size:12.0pt"> Request deletion of your personal information under certain conditions.</span></span></p>
	</li>
	<li style="text-align:justify">
	<p><span style="font-size:11pt"><strong><span style="font-size:12.0pt">Objection:</span></strong><span style="font-size:12.0pt"> Object to the processing of your personal information for direct marketing purposes.</span></span></p>
	</li>
	<li style="text-align:justify">
	<p><span style="font-size:11pt"><strong><span style="font-size:12.0pt">Data Portability:</span></strong><span style="font-size:12.0pt"> Request transfer of your personal information to another service provider.</span></span></p>
	</li>
</ul>

<p>&nbsp;</p>

<p style="text-align:justify"><span style="font-size:11pt"><strong><span style="font-size:13.5pt">Exercising Your Rights</span></strong></span></p>

<p style="text-align:justify"><span style="font-size:11pt"><span style="font-size:12.0pt">To exercise your rights, please contact us at contact information available herein . We will respond to your request within a reasonable timeframe, typically within 21 days.</span></span></p>

<p style="text-align:justify">&nbsp;</p>

<p style="text-align:justify"><span style="font-size:11pt"><strong><span style="font-size:13.5pt">Use of Cookies and Related Technologies</span></strong></span></p>

<p style="text-align:justify"><span style="font-size:11pt"><span style="font-size:12.0pt">Our website uses cookies and similar technologies to improve your browsing experience. You can control the use of cookies through your browser settings.</span></span></p>

<p style="text-align:justify">&nbsp;</p>

<p style="text-align:justify"><span style="font-size:11pt"><strong><span style="font-size:13.5pt">Automated Decision Making</span></strong></span></p>

<p style="text-align:justify"><span style="font-size:11pt"><span style="font-size:12.0pt">We may use automated decision-making processes, including profiling, to evaluate certain personal aspects, such as creditworthiness. We ensure that these processes are fair and transparent, with appropriate safeguards in place.</span></span></p>

<p style="text-align:justify">&nbsp;</p>

<p style="text-align:justify"><strong>DATA PROTECTION:</strong></p>

<p>Ensuring the confidentiality and security of your personal information is our highest priority at SEMIX/KCK. We handle and process your personal data with utmost care, including details such as your name, contact information, email address, mailing address, and any other information you provide. Our practices adhere strictly to legal standards to protect your privacy.</p>

<p>While providing your personal data is voluntary, it is essential for us to have accurate and complete information to fulfill your requests for products or services effectively and to process your data for the purposes outlined below. Insufficient or inaccurate information, or refusal to provide necessary details as requested, may hinder our ability to process your requests and could impact our service to you.</p>

<p>The types of personal data we collect vary depending on the products and services you request. This includes information gathered from sales orders, applications, consent forms, and other submissions. We may collect your contact details, occupation, identity card number, passport number, income details, employer information, and other relevant details necessary for your application or request. Additionally, data provided by co-hirers, guarantors, paymasters, or parties providing security for specific contracts is also processed, including their contact information.</p>

<p>Furthermore, we gather information from customer satisfaction surveys, responses to communications, and data provided by our authorized dealers, third-party vendors, service providers, or insurance companies with your consent. Details about your transactions with SEMIX/KCK, such as account status, balances, repayment records, and transaction history, are also part of the data we process. We use information from credit bureau reports and credit reporting agencies to assess your creditworthiness accurately.</p>

<p>Moreover, we receive data from banks or financial institutions to verify the authenticity of documents you submit, like bank statements or investment receipts. Information regarding legal cases involving you, if applicable, is obtained from plaintiffs, defendants, or legal firms. Data from governmental agencies, regulatory bodies, statutory authorities, and publicly available sources are also processed as required by law and to enhance our services.</p>

<p>Each category of data serves specific purposes aligned with our commitment to providing you with effective service and complying with legal and regulatory obligations.</p>

<p>SEMIX/KCK collects and processes personal data to support its business operations and fulfill customer requests. This involves verifying your identity, responding to inquiries, and facilitating product and service delivery through SEMIX/KCK entities, authorized dealers, and approved partners. Our data handling also focuses on preventing fraud, ensuring legal compliance, and safeguarding both your rights and SEMIX&rsquo;s /KCK&rsquo;s interests.</p>

<p>Moreover, we utilize personal data for administrative tasks such as audits, risk management, and conducting research for product development and security testing. These efforts contribute to enhancing our services and operational efficiency. We may also transfer business operations to maintain service continuity and uphold quality standards.</p>

<p>For customers using SEMIX/KCK services, we manage personal data to assess financial standing, review credit facilities, and oversee account maintenance, including debt recovery processes.</p>

<p>These activities are essential for fulfilling customer needs and operational requirements, underscoring our commitment to responsible data management and customer service excellence.</p>

<p>&nbsp;</p>

<p style="text-align:justify"><strong>Marketing</strong></p>

<p style="text-align:justify">We may use your personal information for marketing purposes with your explicit consent. You can opt-out of receiving marketing communications at any time by contacting us or using the unsubscribe link in our communications.</p>

<p style="text-align:justify">&nbsp;</p>

<p style="text-align:justify"><strong>Changes to this Privacy Notice</strong></p>

<p style="text-align:justify">We reserve the right to update or modify this privacy policy at any time. Any changes will be posted on our website, and the updated policy will take effect immediately upon posting. Your continued use of our services following the posting of changes constitutes your acceptance of such changes.</p>

<p style="text-align:justify">&nbsp;</p>

<p style="text-align:justify"><strong>Governing Law</strong></p>

<p style="text-align:justify">This privacy policy is governed by and shall be construed in accordance with the laws of Malaysia. Any disputes arising out of or in connection with this privacy policy shall be subject to the exclusive jurisdiction of the courts of Malaysia.</p>

<p style="text-align:justify">&nbsp;</p>

<p style="text-align:justify"><strong>Contact Us</strong></p>

<p style="text-align:justify">If you have any questions or concerns about this Privacy Notice or our data practices, please contact us at:</p>

<ul style="margin-left:40px">
	<li style="text-align:justify">
	<p>FOR KCK , email to hello@kckok.my</p>
	</li>
	<li style="text-align:justify">
	<p>FOR SEMIX , email to semix@kckok.my</p>
	</li>
</ul>

<p style="text-align:justify">&nbsp;</p>

<p style="text-align:justify"><span style="font-size:11pt"><span style="font-size:12.0pt">By continuing to interact with us, you acknowledge that you have read and understood this Privacy Notice and consent to the processing of your personal information as described.</span></span></p>