Monday, May 20, 2024

Privacy Policy

Last updated: May 20, 2024

This Privacy Policy describes Our policies and procedures on the collection, use and disclosure of Your information when You use the Service and tells You about Your privacy rights and how the law protects You.

We use Your Personal data to provide and improve the Service. By using the Service, You agree to the collection and use of information in accordance with this Privacy Policy. This Privacy Policy has been created with the help of the Privacy Policy Generator.

Interpretation and Definitions

Interpretation

The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.

Definitions

For the purposes of this Privacy Policy:

  • Account means a unique account created for You to access our Service or parts of our Service.

  • Affiliate means an entity that controls, is controlled by or is under common control with a party, where "control" means ownership of 50% or more of the shares, equity interest or other securities entitled to vote for election of directors or other managing authority.

  • Company (referred to as either "the Company", "We", "Us" or "Our" in this Agreement) refers to therinamaliki.

  • Cookies are small files that are placed on Your computer, mobile device or any other device by a website, containing the details of Your browsing history on that website among its many uses.

  • Country refers to: Malaysia

  • Device means any device that can access the Service such as a computer, a cellphone or a digital tablet.

  • Personal Data is any information that relates to an identified or identifiable individual.

  • Service refers to the Website.

  • Service Provider means any natural or legal person who processes the data on behalf of the Company. It refers to third-party companies or individuals employed by the Company to facilitate the Service, to provide the Service on behalf of the Company, to perform services related to the Service or to assist the Company in analyzing how the Service is used.

  • Usage Data refers to data collected automatically, either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).

  • Website refers to therinamaliki, accessible from https://therinamaliki.blogspot.com/

  • You means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.

Collecting and Using Your Personal Data

Types of Data Collected

Personal Data

While using Our Service, We may ask You to provide Us with certain personally identifiable information that can be used to contact or identify You. Personally identifiable information may include, but is not limited to:

  • Email address

  • First name and last name

  • Usage Data

Usage Data

Usage Data is collected automatically when using the Service.

Usage Data may include information such as Your Device's Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that You visit, the time and date of Your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

When You access the Service by or through a mobile device, We may collect certain information automatically, including, but not limited to, the type of mobile device You use, Your mobile device unique ID, the IP address of Your mobile device, Your mobile operating system, the type of mobile Internet browser You use, unique device identifiers and other diagnostic data.

We may also collect information that Your browser sends whenever You visit our Service or when You access the Service by or through a mobile device.

Tracking Technologies and Cookies

We use Cookies and similar tracking technologies to track the activity on Our Service and store certain information. Tracking technologies used are beacons, tags, and scripts to collect and track information and to improve and analyze Our Service. The technologies We use may include:

  • Cookies or Browser Cookies. A cookie is a small file placed on Your Device. You can instruct Your browser to refuse all Cookies or to indicate when a Cookie is being sent. However, if You do not accept Cookies, You may not be able to use some parts of our Service. Unless you have adjusted Your browser setting so that it will refuse Cookies, our Service may use Cookies.
  • Web Beacons. Certain sections of our Service and our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of a certain section and verifying system and server integrity).

Cookies can be "Persistent" or "Session" Cookies. Persistent Cookies remain on Your personal computer or mobile device when You go offline, while Session Cookies are deleted as soon as You close Your web browser. You can learn more about cookies on TermsFeed website article.

We use both Session and Persistent Cookies for the purposes set out below:

  • Necessary / Essential Cookies

    Type: Session Cookies

    Administered by: Us

    Purpose: These Cookies are essential to provide You with services available through the Website and to enable You to use some of its features. They help to authenticate users and prevent fraudulent use of user accounts. Without these Cookies, the services that You have asked for cannot be provided, and We only use these Cookies to provide You with those services.

  • Cookies Policy / Notice Acceptance Cookies

    Type: Persistent Cookies

    Administered by: Us

    Purpose: These Cookies identify if users have accepted the use of cookies on the Website.

  • Functionality Cookies

    Type: Persistent Cookies

    Administered by: Us

    Purpose: These Cookies allow us to remember choices You make when You use the Website, such as remembering your login details or language preference. The purpose of these Cookies is to provide You with a more personal experience and to avoid You having to re-enter your preferences every time You use the Website.

For more information about the cookies we use and your choices regarding cookies, please visit our Cookies Policy or the Cookies section of our Privacy Policy.

Use of Your Personal Data

The Company may use Personal Data for the following purposes:

  • To provide and maintain our Service, including to monitor the usage of our Service.

  • To manage Your Account: to manage Your registration as a user of the Service. The Personal Data You provide can give You access to different functionalities of the Service that are available to You as a registered user.

  • For the performance of a contract: the development, compliance and undertaking of the purchase contract for the products, items or services You have purchased or of any other contract with Us through the Service.

  • To contact You: To contact You by email, telephone calls, SMS, or other equivalent forms of electronic communication, such as a mobile application's push notifications regarding updates or informative communications related to the functionalities, products or contracted services, including the security updates, when necessary or reasonable for their implementation.

  • To provide You with news, special offers and general information about other goods, services and events which we offer that are similar to those that you have already purchased or enquired about unless You have opted not to receive such information.

  • To manage Your requests: To attend and manage Your requests to Us.

  • For business transfers: We may use Your information to evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which Personal Data held by Us about our Service users is among the assets transferred.

  • For other purposes: We may use Your information for other purposes, such as data analysis, identifying usage trends, determining the effectiveness of our promotional campaigns and to evaluate and improve our Service, products, services, marketing and your experience.

We may share Your personal information in the following situations:

  • With Service Providers: We may share Your personal information with Service Providers to monitor and analyze the use of our Service, to contact You.
  • For business transfers: We may share or transfer Your personal information in connection with, or during negotiations of, any merger, sale of Company assets, financing, or acquisition of all or a portion of Our business to another company.
  • With Affiliates: We may share Your information with Our affiliates, in which case we will require those affiliates to honor this Privacy Policy. Affiliates include Our parent company and any other subsidiaries, joint venture partners or other companies that We control or that are under common control with Us.
  • With business partners: We may share Your information with Our business partners to offer You certain products, services or promotions.
  • With other users: when You share personal information or otherwise interact in the public areas with other users, such information may be viewed by all users and may be publicly distributed outside.
  • With Your consent: We may disclose Your personal information for any other purpose with Your consent.

Retention of Your Personal Data

The Company will retain Your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use Your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.

The Company will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of Our Service, or We are legally obligated to retain this data for longer time periods.

Transfer of Your Personal Data

Your information, including Personal Data, is processed at the Company's operating offices and in any other places where the parties involved in the processing are located. It means that this information may be transferred to — and maintained on — computers located outside of Your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from Your jurisdiction.

Your consent to this Privacy Policy followed by Your submission of such information represents Your agreement to that transfer.

The Company will take all steps reasonably necessary to ensure that Your data is treated securely and in accordance with this Privacy Policy and no transfer of Your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of Your data and other personal information.

Delete Your Personal Data

You have the right to delete or request that We assist in deleting the Personal Data that We have collected about You.

Our Service may give You the ability to delete certain information about You from within the Service.

You may update, amend, or delete Your information at any time by signing in to Your Account, if you have one, and visiting the account settings section that allows you to manage Your personal information. You may also contact Us to request access to, correct, or delete any personal information that You have provided to Us.

Please note, however, that We may need to retain certain information when we have a legal obligation or lawful basis to do so.

Disclosure of Your Personal Data

Business Transactions

If the Company is involved in a merger, acquisition or asset sale, Your Personal Data may be transferred. We will provide notice before Your Personal Data is transferred and becomes subject to a different Privacy Policy.

Law enforcement

Under certain circumstances, the Company may be required to disclose Your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).

Other legal requirements

The Company may disclose Your Personal Data in the good faith belief that such action is necessary to:

  • Comply with a legal obligation
  • Protect and defend the rights or property of the Company
  • Prevent or investigate possible wrongdoing in connection with the Service
  • Protect the personal safety of Users of the Service or the public
  • Protect against legal liability

Security of Your Personal Data

The security of Your Personal Data is important to Us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While We strive to use commercially acceptable means to protect Your Personal Data, We cannot guarantee its absolute security.

Children's Privacy

Our Service does not address anyone under the age of 13. We do not knowingly collect personally identifiable information from anyone under the age of 13. If You are a parent or guardian and You are aware that Your child has provided Us with Personal Data, please contact Us. If We become aware that We have collected Personal Data from anyone under the age of 13 without verification of parental consent, We take steps to remove that information from Our servers.

If We need to rely on consent as a legal basis for processing Your information and Your country requires consent from a parent, We may require Your parent's consent before We collect and use that information.

Links to Other Websites

Our Service may contain links to other websites that are not operated by Us. If You click on a third party link, You will be directed to that third party's site. We strongly advise You to review the Privacy Policy of every site You visit.

We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.

Changes to this Privacy Policy

We may update Our Privacy Policy from time to time. We will notify You of any changes by posting the new Privacy Policy on this page.

We will let You know via email and/or a prominent notice on Our Service, prior to the change becoming effective and update the "Last updated" date at the top of this Privacy Policy.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Contact Us

If you have any questions about this Privacy Policy, You can contact us:

Wednesday, September 21, 2022

KWSP Hibah atau Faraid - semua suami dan isteri wajib tahu!


Teks : Rina Haryati Binti Ibrahim
rinaharyati@gmail.com
therinamaliki.blogspot.com

Rata-rata kesemua pekerja yang bekerja makan gaji diwajibkan untuk mencarum KWSP (Kumpulan Wang Simpanan Pekerja) atau dalam bahasa Inggeris EPF (Employee Provident Fund). Yang menariknya, majikan jugak diwajibkan untuk contribute ke atas akaun simpanan pekerja masing-masing. Ketika article ini ditulis, ratio contribution atau kadar caruman untuk KWSP ialah 11% bagi pekerja dan 12% bagi majikan.

Ini antara usaha baik dari kerajaan untuk pastikan rakyat Malaysia menyimpan buat bekalan di hari tua gitu!

FORCE SAVINGS!!!

Ye, begitulah! Itupun kalau ikut kajian dan rekod-rekod terdahulu, simpanan KWSP ni akan habis dalam masa 3 ke 5 tahun selepas kita dapat access dekat duit tu. Maybe akan lebih cepat habis since PKP haritu ramai jugak yang keluarkan duit KWSP kan

Anyways, cerita keluar duit ni ramai yang dah tahu. Kalau nak cerita pasal retirement plan pulak, better kita cerita di article yang lain sebab panjang jugak kalau nak cerita. Harini kita cuma nak fokus cerita tentang apa nasib duit KWSP tu kalau pencarum tu meninggal.

Yes, as per everyone understandings, kalau letak penama means semua duit KWSP tu akan jadi hak milik penama tu. Sorry to dissapoint you, BUT pemahaman tu SALAHHHH, ye SALAH!

Maksudnya, sebagai contoh kalau pencarum tu suami, dan suami meninggal. Dan suami dah letak nama isteri sebagai penama. Itu tak bermaksud isteri berhak untuk dapat keseluruhan duit KWSP tu ye. Tidak sama sekali.

Penama bertindak sebagai pemegang amanah. Maksudnya dalam contoh di atas, isteri adalah pemegang amanah dan menjadi tanggungjawab penama untuk uruskan pembahagian duit tu mengikut FARAID.

Isteri tak ada hak atas duit KWSP arwah suami dan begitulah sebaliknya (vice versa)

Kesimpulannya, siapa ada KWSP, sila semak balik siapa penama yang kita letak. Make sure inform penama tu untuk FARAID kan simpanan tu bila anda dah tak ada nanti.

Kesian pewaris kalau termakan harta secara bathil tanpa sedar.

Jom kita betulkan yang biasa. Insyaallah mesti boleh!

Biidznillah

Monday, August 9, 2021

Salam Maal Hijrah 1443

 


Salam Maal Hijrah 1443

Alhamdulillah, sampai lagi kita di tahun baru hijrah. Alhamdulillah atas nikmat yang Allah bagi. Subhanallah kalau nak list setiap nikmat tu tak tertulis rasanya. Terlalu banyak. Masyaallah

Allah, semoga dengan masuknya tahun baru ni, diberi kesempatan umtuk berhijrah kepada yang lebih baik. Hijrah secara spiritual. Solat tu dah patut kena awalkan dah. Solat yang sunat tu subhanallah kena tambah supaya amalan yang lompong-lompong tu terisi. Jangan fokus semata murah rezeki. Hidup untuk dapat redha Allah, bukan semata2 rezeki dunia (ingat ye rina!)

Hijrah dalam kerjaya. Tak, masih lagi dalam kerjaya yang sama. Masih berjuang menyampaikan ilmu takaful dan insurans. Tapi nak upgrade diri dalam kerjaya ni. Move to next level. Terlalu selesa sebelum ni. Insyaallah this time nak venture in more new circle. Different circle

Ya Allah tkurniakan kami hidayah mu, semoga kami terus tetap di jalan mu Ya Allah

Ya Allah, semoga kau terima doa2ku, dan juga doa sahabat2 yang baca blog ni. Amin

Wednesday, April 17, 2019

Open booth @SIRIM, Kulim

Being an advisor.. Its all about activities!!!

Alhamdulillah this week dapat join open both dekat SIRIM.

sharing is caring kan... As usual!

Remember, sharing ni bukan prospecting semata-mata, it's a new door for a relationship. Ukhwah fillah.

Insyaallah Biiznillah

Enjoy gambar dululah ye kali ni




Friday, April 5, 2019

Its been a while

salam to all

Its been a while since my last blog post. phewww....lama betul. Tak tau kat mana nak catch up since then. Hence this blogpost just to make sure I'm alive and and still sane.

Anyways, so much thing happens for the past two year of being invinsible. But now its tummy time for my baby first....

Until next post....byeee

Image result for im back meme

Saturday, June 3, 2017

Ramadhan Kareem

Ramadhan Kareem


Teks : Rina Haryati Binti Ibrahim
rinaharyati@gmail.com
reenrinaharyati.blogspot.com



Image result for ramadan kareem

Salam semua, lama betul tak update blog. dah berbulan rasanya. Insyaallah azam bermula Ramdhan ni kakak akan update post setiap hari atau seminggu 3x. Insyaallah

Belum terlambat lagi rasanya nak wish Ramadhan Kareem untuk semua. Semoga Ramadhan kali ni memberi rahmat, maghfirah dan pembebasan dari api neraka di penghujungnya, insyaallah Ramadhan yang terbaik, lebih baik dan bertambah baik berbanding yang sebelum ini buat kakak dan semua umat islam.

Mengimbau zaman muda kakak dulu, rasa berat sangat kalau nak pergi terawih. Rasa terpaksa benar. Semangat betul di awal-awal bulan Ramadhan, lepas tu mula lompong malamnya tanpa terawikh. Tiap-tiap hari banyak luangkan masa fikir menu untuk berbuka yang hebat. Astaghfirullah. Zaman jahiliah tu..hehehe

Nak tau rahsia kakak mudah solat? Kakak cuma tak makan nasi je. Tu je rahsia besar tu. Bila tak makan nasi perut tak terlalu kenyang, mata tak mengantuk, badan rasa lebih ringan nak bersolat. Nak buat banyak-banyak solat sunat pun insyaallah terasa ringan macam feather. (Ok yang feather tu  kakak exaggerate..hehe

Yang sebenornya kakak memang kena kurangkan makan nasi sebab dah makin comel ada plantar fasciitis ni. Nanti kakak akan explain pasal plantar fasciitis dan tips yang perlu ikut kalau terkena plantar fasciitis ni dalam blog post yang lain ye.

Insyaallah harapannya tips kakak ni dapatla beri manafaat pada semua. Semoga Ramadhan kali ni dapat kita penuhi dengan membanyakkan lagi ibadah kita. Masyaallah. 

Biiznillah

Pn.Rinaharyati
Perunding Kewangan Muslimah

Monday, January 30, 2017

5 Tips Menyimpan Yang Efektif Dan Realistik!

5 Tips Menyimpan Yang Efektif Dan Realistik! 

Teks : Rina Haryati Binti Ibrahim
rinaharyati@gmail.com
reenrinaharyati.blogspot.com

Menyimpan sebenarnya benda paling mudah untuk di rancang tapi paling susah dan berat untuk dilaksanakan

Tambah-tambah kalau anda tidak punya matlamat yang cukup besar dan kuat.

Berikut adalah antara tips yang efektif dan realistik sebagai panduan untuk anda terus meyimpan tanpa culas-culas lagi, ok!

1. Standing Instruction (SI) atau Auto Debit

Buat potongan terus sebaik sahaja masuk gaji setiap hujung bulan.

Set kan tarikh untuk simpanan duit tu sama dengan tarikh masuk gaji. Ingat, simpan dahulu dan selebihnya boleh belanja tanpa rasa bersalah.

2. Main Kutu

Ni salah satu kaedah simpanan secara berdisplin.

Ajak beberapa orang kawan yang rapat dengan anda, dan penting kawan-kawan yang jujur. Tiap-tiap bulan, anda dan rakan-rakan bagi sumbangan RM200 setiap orang. Bila dah berjanji macam ni mesti la anda segan untuk tidak bayar kan? Mesti rasa bersalah yang teramat sangat. Hehehe

Paling seronok bila tiba giliran anda untuk dapat duit. Seronok lain macam. Padahal memang duit simpanan anda pun. cuma psikologi yang berbeza.

3. Kumpul berdasarkan warna kegemaran anda

Samada si hijau, si merah, atau si oren, anda boleh buat color coding untuk simpanan anda.

Kalau target anda si hijau, pastikan bila anda dapat je note RM5, terus masukkan je dalam tabungan yang dah anda sediakan. Anda akan jadi lebih semangat bila nampka tabung tu penuh dengan si hijau.

4. Simpan Duit Syiling

Ramai orang tak suka bawak duit syiling dalam poket atau beg duit. Selain berat, syiling akan menggunakan space yang banyak. Gemuk je nampak beg duit, padahal penuh dengan duit syiling je.

Apakata, lepas ni, setiap kali sampai ke rumah, masukkan je syiling dalam tabung, Teknik ini terbukti sangat realistik bila ada yang berjaya kumpul RM800 dengan cara kumpul duit syiling ni selama setahun. Hebat!

5. Buat Simpanan di Akaun Bank Tanpa Kad ATM

Anda boleh pilih untuk membuat simpanan di akaun bank dan jangan apply kad ATM. Semua urusan kena ke kaunter bank. Biasanya kalau perlu beratur di kaunter untuk berurusan ni ramai orang tak suka. Senang cerita, simpan lepas tu buat-buat lupa. Tapi jangan la pulak lupa kat mana anda simpan passbook.

6. Buat Simpanan Terpaksa

Biasanya bila dah terpaksa menyimpan ni kita akan jadi lebih berdisplin. Contohnya simpanan menggunakan plan Insurans. Sekarang plan Insurans bukan sekadar untuk perlindungan, plan simpanan dan pelaburan di Insurans juga beri pulangan yang sangat menarik dan kompetetif. Seprti plan Simpanan selama 6 tahun di HLA.

Yang penting, plan simpanan ini dapat pastikan anda berdisplin dalam terus membuat simpanan.

Selamat menabung. Insyaallah.

Biiznillah

pn.rinaharyati
Perunding Kewangan

Image result for Tabung rm5
sumber : google image