MRCM Services (M) Sdn Bhd
Websites:
Effective Date: 25 May 2026
1. Introduction
MRCM Services (M) Sdn Bhd (“MRCM”, “we”, “our”, or “us”) respects and is committed to protecting your personal data and privacy in accordance with the Malaysian Personal Data Protection Act 2010 (“PDPA”).
This Privacy Policy explains how we collect, use, disclose, store, and protect your personal information when you:
- Visit our websites at mrcm.com.my and insurance.mrcm.com.my
- Submit enquiries or applications
- Register or purchase insurance products through our portal
- Purchase or renew insurance-related products and services
- Communicate with us through WhatsApp, email, telephone, forms, or social media
- Use any portal, campaign, wallet credit system, or digital services operated by MRCM
By accessing or using our websites, portals, and services, you agree to the terms of this Privacy Policy.
2. Company Information
This website and portal are owned and operated by:
MRCM Services (M) Sdn Bhd
Malaysia
For any privacy-related enquiries, you may contact us through the official contact information published on our websites.
3. Personal Data We Collect
We may collect and process the following categories of personal data:
a) Identification Information
- Full name
- NRIC/passport number
- Date of birth
- Gender
- Professional registration details
b) Contact Information
- Mobile number
- Email address
- Mailing address
c) Professional & Insurance Information
- Medical profession and specialty
- MMC/MDC registration details
- Practice or clinic information
- Insurance history
- Claims-related information
d) Payment & Transaction Information
- Payment records
- Billing details
- Policy transactions
- Wallet credit usage and rewards
e) Technical & Website Data
- IP address
- Browser type
- Device information
- Website usage analytics
- Cookies and tracking data
- Portal login records
- Account activity history
- Insurance purchase transaction logs
f) Communication Data
- Emails
- WhatsApp conversations
- Customer support records
- Feedback or survey responses
4. How We Collect Your Data
Your personal data may be collected through:
- Website contact forms
- Insurance quotation or renewal forms
- User registration and insurance purchase activities through insurance.mrcm.com.my
- WhatsApp and email communications
- Online payment submissions
- Third-party insurers or partners
- Cookies and website analytics tools
- Marketing campaigns and advertisements
- Events, seminars, or registrations
5. Purpose of Collecting Personal Data
We may use your personal data for the following purposes:
- Providing insurance quotations and services
- Processing applications, renewals, and claims
- Administering wallet credit and reward systems
- Customer service and support
- Identity verification
- Compliance with legal and regulatory obligations
- Internal record keeping
- Fraud prevention and security monitoring
- Improving website performance and user experience
- Sending service updates, reminders, and notifications
- Marketing and promotional communications (where permitted)
6. Disclosure of Personal Data
We may disclose your personal data to:
- Insurance companies and underwriters
- Reinsurers and claims administrators
- Regulatory authorities
- Professional advisors and auditors
- Payment gateway providers
- IT service providers and hosting providers
- Marketing and communication platforms
- Government or law enforcement authorities where legally required
We do not sell your personal data to third parties.
7. Cookies & Analytics
Our websites and portal may use cookies and similar tracking technologies to:
- Improve website functionality
- Analyse website traffic and usage
- Remember user preferences
- Enhance user experience
You may disable cookies through your browser settings, although certain website features may not function properly.
7A. Insurance Portal & User Accounts
MRCM operates an online insurance portal at:
Through this portal, users may:
- Register user accounts
- Submit insurance applications
- Upload supporting documents
- Make payments
- Renew policies
- Access policy-related information
- Utilize wallet credits and related services
Information submitted through the portal will be securely processed and stored for insurance servicing, underwriting, compliance, and customer support purposes.
Users are responsible for maintaining the confidentiality of their account credentials and login information.
8. Data Security
We implement reasonable administrative, technical, and physical safeguards to protect your personal data against:
- Unauthorized access
- Loss or misuse
- Disclosure or alteration
- Destruction or cyber threats
However, no internet transmission or storage system can be guaranteed as completely secure.
9. Retention of Data
We retain personal data only for as long as necessary to fulfil the purposes outlined in this Privacy Policy, comply with legal obligations, resolve disputes, and enforce agreements.
10. Your Rights Under PDPA
Subject to applicable laws, you may have the right to:
- Request access to your personal data
- Request correction of inaccurate data
- Withdraw consent for certain processing
- Request limitation of processing
- Request deletion where legally permissible
Requests may be subject to identity verification and applicable administrative fees.
11. Marketing Communications
Where permitted, MRCM may send you:
- Policy reminders
- Renewal notifications
- Product updates
- Promotional campaigns
- Educational or healthcare-related information
You may opt out of marketing communications at any time by contacting us or using the unsubscribe method provided in the communication.
12. Third-Party Websites
Our websites and portal may contain links to third-party websites or services. We are not responsible for the privacy practices, content, or security of external websites.
Users are encouraged to review the privacy policies of those third parties separately.
13. International Data Transfers
In certain situations, your personal data may be processed or stored outside Malaysia by third-party service providers. We will take reasonable steps to ensure appropriate protection standards are maintained.
14. Updates to This Privacy Policy
MRCM reserves the right to modify or update this Privacy Policy at any time without prior notice.
Any updates will be published on:
Continued use of the websites, portal, and services after updates constitutes acceptance of the revised policy.
15. Contact Us
For enquiries regarding this Privacy Policy or your personal data, please contact us through the following official channels:
WhatsApp: 018-369 3433
Email: insurance@mrcm.com.my
Official Websites: