Agreement

Introduction

As AI Carbon Zero Credit Ltd. (referred to as "the Exchange", " AI Zero Carbon Credit Ltd ", "we", "us" or "our"), we prioritize the protection of personal data for our stakeholders and customers in compliance with the PERSONAL DATA PROTECTION ACT 2010 ("PDPA") Malaysia. "Personal data" includes any information identifying an individual, as defined by the PDPA and related regulations.

We may update the Privacy Policy to reflect changes in laws, industry trends, or regulatory requirements as needed. Any revisions will be posted here and take effect immediately. By using our website, products, or services, you consent to the current Privacy Policy and agree to our use and processing of your information as outlined therein.

Information that we collect.

We gather, utilize, retain, and transfer various types of personal data concerning you, encompassing, but not restricted to, the following:

Identity and contact data: This encompasses your full name, passport or any other identification number, phone number, mailing address, email address, and scanned images of your passport or identification documents, utility bills, or driving licenses.
Financial data: This category comprises details regarding your financial status, history, and payment account information, such as bank, credit, payment, or other relevant details.
Transaction data: These are particulars concerning payments made to and from your accounts with us.
Technical data: This includes specifics about the devices and technology you utilize, including internet protocol (IP) addresses, login credentials, and other relevant technologies associated with the devices used to access our website, products, and/or services.
Usage data: This refers to information about your usage patterns on our website, products, and/or services, encompassing data gathered from cookies, IP addresses, and account activity.

Methods of collecting information

Personal data is collected from you through multiple channels, including but not limited to the following:

When you access and/or utilize our website, products, and/or services (or any component thereof).
When you complete forms associated with our website and/or any of our products or services.
When you sign up for or utilize any of our services on websites owned or managed by us, or when you become a member of websites owned and/or operated by us, or use services on such websites.
When you engage with our personnel, such as customer service representatives, marketing agents, and other staff members.
When you request that we contact you;

when you ask to be included in an email or other mailing list;
when you respond to our promotions and other initiatives;
when you enter into agreements with us;
when we receive references from business partners and third parties, for example, where you have been referred by them;
when you submit personal data to us for any other reason; and/or

As an user of the Exchange, we [or our analytics partner(s)] gather and analyze data regarding your website usage. This information encompasses visited pages, clicked links, entered non-sensitive text, mouse movements, and commonly collected data like referring URLs, browser type, operating system, and Internet Protocol (IP) address. We utilize publicly accessible sources to estimate your geographic region and Internet Service Provider based on your IP address. This information regarding your website usage, referred to as "Usage Data," may include personally identifiable information such as IP addresses. Additionally, interactions with the website or Exchange may lead to the provision of Personal Information to us, such as when you provide your name, email address, and username while signing up for a free trial of the Exchange.

Objectives for the Collection, Use and Disclosure of Personal Data

In general, the Exchange gathers, utilizes, and/or divulges personal data and Usage Data, and your consent is granted for these actions by the Exchange, serving the following purposes:

To deliver products and services to you.

To engage in communication with you regarding matters pertinent to your relationship with or interest in us.
To evaluate and enhance the products and services you currently use or may use in the future.
To selectively provide you with information about our products, services, activities, and/or events that are relevant to you.
To fulfill contractual or legal obligations under agreements between us and you, or between related corporations, affiliates, partners, and/or representatives of the Exchange and you.
To safeguard and uphold our contractual and legal rights and obligations.
To authenticate your identity.
To prevent, identify, and investigate criminal activities, including fraud and money laundering, and to analyze and manage other commercial risks.
To conduct audits, assessments, and analyses of our internal processes for action planning and commercial risk management.
To prevent, identify, and investigate criminal activities and ensure the safety and security of our premises and services (which may include CCTV surveillance and security clearances).
To adhere to applicable rules, laws, regulations, codes of practice, or guidelines, and to aid law enforcement and investigations by relevant governmental and regulatory agencies worldwide.
Any other purpose relating to the aforementioned objectives.

We may share personal data with our related corporations, service providers, agents, and other third parties, either with your consent for the stated purposes and any other reasonable ancillary purposes, for legal reasons, or where permitted under the PDPA and other applicable laws, such as in response to requests from law enforcement agencies.

Trans-border personal data transfer

When transferring personal data to countries beyond Malaysia, we ensure adherence to the pertinent provisions outlined in Malaysian laws and regulations. Moreover, we uphold compliance with applicable laws and regulations concerning the transfer of personal data to countries outside those where the data was initially collected.

Third Party Data

When you supply to us your personal data belonging to other individuals, you affirm that these individuals have consented to our collection, usage, and/or disclosure of such personal data for: (i) the specific purpose for which you disclosed it, or as notified to you at the time of disclosure; and (ii) the additional purposes outlined in this Privacy Policy above.

Other Web Sites

Our websites may feature links to external websites not managed by us. Please note that this privacy policy solely pertains to the our website. When accessing these third-party websites, we advise you to review their respective privacy policies, as they will govern your usage of those sites.

Marketing Communications

We have a legitimate interest in processing personal data to selectively reach out to you and/or provide you with information about our products, services, activities, and/or events that may be of interest to you (referred to as "Marketing Communications"). You have the option to unsubscribe from receiving Marketing Communications by utilizing the unsubscribe link included in the email communications or by contacting us at privacy@ai-exchange.co.

When you visit our websites, we employ cookies to retain information about your browsing activities with the aim of enhancing the quality of service we provide. Cookies are small files containing data, including an anonymous unique identifier, which are sent from a website to your browser and stored on your device. Our website employs various types of cookies to facilitate smooth and meaningful interactions. These may include first-party cookies, which transmit data directly to us and our authorized contractors for monitoring, analysis, and administration purposes, as well as third-party cookies, which transmit data to our contractors for their own commercial use.

We utilize both session-based and persistent-based cookies. Session cookies are active only during a single browsing session and are removed from your device upon closing your browser or turning off your computer. Persistent cookies, on the other hand, persist on your device even after you close your browser or turn off your computer.

Examples of Cookies we use:

Essential Cookies: Certain cookies are indispensable for the functionality of our services on the website. Devoid of these cookies, specific services or features may become inaccessible, leading to a less optimal browsing experience. As these strictly necessary cookies are crucial for the operation of our services on the website, opting out of them is not feasible when utilizing a product on our website.

Performance Cookies: We and our service providers may employ analytics cookies, also known as performance cookies, to gather data regarding your website usage, facilitating enhancements to its functionality. These analytics cookies capture details on your website interactions, such as frequently visited pages. This information aids in discerning usage patterns, assisting us in identifying and addressing any user challenges encountered on the website. It is important to note that disabling these cookies may affect the level of functionality you experience while browsing our website.
Functionality Cookies: In some circumstances, we may use functionality cookies which allow us to provide enhanced and more personalized content and features, such as customizing a certain webpage or application page. In order to permit your connection to the website, our servers receive and record information about your computer and browser, potentially including your IP address, browser type, and other software or hardware information. All of these features help us to improve your visit and assist in navigation of the website features.
Third Party Cookies: In some circumstances, we may work with third parties to provide services on our websites. For example, we use analytics services supported by third party companies who generate analytics cookies on our behalf. We may not have access to these cookies, although we may use statistical information arising from the cookies provided by these third parties to customize content and for the other purposes described above. These companies may also transfer this information to other parties where required to do so by law, or where such other parties process the information on their behalf. We may not control these third-party cookies and their use may be governed by the privacy policies of the third parties employing these cookies.

You have the right to decide whether to accept or reject cookies. You can set or amend your web browser controls to accept or refuse cookies. If you choose to reject cookies, you may still use our website though your access to some functionality and areas of our website may be restricted. As the means by which you can refuse cookies through your web browser controls vary from browser-to-browser, you should visit your browser’s help menu for more information.

Retention of personal data

We retain personal data about or relating to you for as long as necessary for the purposes for which such personal data is collected (including the purposes stated in section entitled “Purposes for the Collection, Use and Disclosure of Personal Data” above), and take reasonable measures to destroy any personal data that is no longer necessary to meet those purposes in accordance with the applicable laws and regulations for the time being.

Security principles

All personal data is kept confidential and we take all reasonable measures to protect it from unauthorized or accidental access, processing or loss, by implementing appropriate physical, electronic and supervisory controls.

The importance of protecting personal data during processing is emphasized, outlining several practical steps that data users must take to safeguard such information.

Firstly, they must consider the nature of the data and the potential harm that could arise from its loss or unauthorized access. Secondly, they need to assess the storage location and implement appropriate security measures accordingly.

Additionally, they should ensure that any equipment used to store the data incorporates suitable security measures. Moreover, measures must be in place to guarantee the reliability, integrity, and competence of personnel with access to the data, and secure transfer protocols should be established. Furthermore, if personal data processing is delegated to a data processor, the data user is responsible for ensuring that the processor adheres to stringent security measures. This involves verifying that the processor employs adequate technical and organizational safeguards and actively monitors compliance with these measures.

Data Integrity Principle

The Data Integrity Principle mandates that a data user must undertake reasonable measures to maintain the accuracy, completeness, and non-misleading nature of personal data. It is imperative to ensure that the data remains up-to-date in alignment with the original purpose for which it was collected and any subsequent processing activities directly associated with that purpose.

Control over personal information

If you do not want us to contact you via electronic messaging, you may select the “unsubscribe” option in all our electronic communications.

You may email us at privacy@ai-exchange.co if:

you want to be removed from our customer database;
you believe we have inaccurate information about you and you want to correct such data;
you wish to know what personal data we have about you in connection with your relationship with us and how your personal data has been used; or

It is important to note that we use personal data to provide you with the products and services you wish to use. We also comply with various regulatory requirements in doing so, including the requirements for customer due diligence. Withdrawal of consent for the Exchange to collect, use or disclose personal data means that we may need to stop these activities. The absence of certain key personal data, including but not limited to your name, address, email and/or telephone contacts, personal identification numbers or banking information, may cause us to be unable to continue providing the relevant products and services to you.

2. Security Policies

This Security Policy (“Policy”) applies to the use of any product, service or website provided by AI Zero Carbon Credit Ltd (“Us”, “we”, “our” “Exchange” or “AI Zero Carbon Credit Ltd”) whether we provide it directly or through a third-party application (each, a ” Service”). This Policy is designed to protect the interests of all of our clients (“Users”), as well as our goodwill and reputation, and the integrity of the AI Exchange Platform (“Platform”). We cannot accept any responsibility for any loss, disruption or damage to your data or your computer system which may occur whilst using material derived from this website.

The Platform is built on sophisticated technology to facilitate a secure, transparent and efficient trading environment for the Users. Our security protocols include ongoing monitoring and/or surveillance to recognize any abnormal system activities, transmission errors or unusual online transactions and ensure that such issues are adequately addressed. We use all reasonable endeavours to ensure that our Users experience smooth and secure access to the Platform. However, the Platform is provided “as is” and on an “as available” basis, without any representation or guarantee of any kind (whether express or implied). This means that we do not guarantee continuous, uninterrupted or secure access to ai-exchange.co (the “Site”), Platform or that its servers are free of computer viruses, bugs or other harmful components or that defects will be corrected.

We use all reasonable endeavours to make the Platform available when required by the User. However, we cannot guarantee the availability of the Platform. Errors and failures may occur in respect of Platform technology and the internet may be subject to faults and events which may affect the User access. Additionally, the User systems, our systems or the systems of a third party which the User or we rely on, may fail to work properly. As a result, Users may at times experience disruption or other difficulties in using the Site. Users should consider the potential for disruption or other difficulties in planning their use of the Site.

We are constantly striving to improve the Platform. This means that the Platform may need to be suspended or updated as a result of periodic maintenance, repairs or upgrades. We will always seek to provide Users with prior notice of any service interruptions.

Our Users play an important role in ensuring the continuity and integrity of their access to the Platform. It is the User’s responsibility to have equipment, software and network connectivity that are appropriate to access the Platform and that meet the software and security standards set by us from time to time. We recommend that Users adopt the following security precautions and best practices for their personal computer and mobile device use in order to reduce the likelihood of causing malicious and/or harmful security breaches that may arise in the use of the Site and the Platform:

Install anti-virus, anti-spyware, anti-malware and firewall software on your computers and mobile devices;
Update operating systems, anti-virus and firewall products with security patches or newer versions on a regular basis;
Remove or deactivate file and printer sharing preferences in computers and mobile devices, especially when connected to the internet;
Make regular backup of critical data;
Consider the use of encryption technology to protect highly sensitive or confidential information;
Log off from the Site at the end of the online session;
Clear browser cache after the online session;
Refrain from installing any software or running or executing programs of unknown origin;
Delete junk, chain or spam emails;
Avoid opening email attachments from unknown senders or from unknown email address domain names;
Take care not to disclose personal, financial or credit card information to websites that are little-known, suspect, or do not have a matching website domain URL Address;
Use the latest versions of Chrome, Firefox, Safari, or Microsoft Edge for purposes of accessing the Site. For full functionality of the trading Platform, use the latest version of Chrome only;
Do not use a computer or a device which you know has a breach in security vulnerability and cannot be trusted;
Do not use public or internet café computers to access online services or perform financial transactions;
Do not disclose your Platform username or password to individuals without authority to conduct transactions on your behalf; and
When using two factor or multi-factor authentication, ensure that the authentication device, email or phone number are in your possession and control at all times.

AML/CFT Policy

Introduction

We are AI Zero Carbon Credit Ltd (referred to as the “AI Carbon Zero Credit Ltd” “we”, “us” or “our”) and we are committed to protecting our stakeholders’ and customers’ personal data in accordance with the PERSONAL DATA PROTECTION ACT 2010 of Malaysia (“PDPA”) and other applicable data protection laws.

“Personal data” means any data about an individual who can be identified (a) from that data, or (b) from that data and other information to which we have or are likely to have access to, as more specifically defined under the PDPA and other applicable data protection laws.

Our privacy policy (“Privacy Policy”) describes how we collect, use, store and protect personal data. The Privacy Policy also describes how you can control the personal data that we hold on you, and your rights on your personal data, where applicable.

We may from time to time update the Privacy Policy to ensure that it is consistent with future developments, industry trends and/or any changes in legal or regulatory requirements, or as we deem appropriate. Such changes will be published here and effective upon publication. Please check the Privacy Policy regularly for updated information/version. Your continued access and/or use of our website, our products and/or our services will constitute your agreement to the Privacy Policy in effect and your consent to our use and processing of your information in accordance with the Privacy Policy.

Information that we collect from you

We collect, use, store and transfer different kinds of personal data about or relating to you, including but not limited to the following:

Identity and contact data, which includes your name, passport or other identification number, telephone number, mailing address, email address, images of your passport or identification document, utility bill or driving license;
Financial data, which includes information about your financial position, status and history, and payment account details (such as bank, credit, payment or other payment details);
Transaction data, which includes details about payments to and from your accounts with us;
Technical data, which includes details about the devices and technology you use including internet protocol address, your login data, and other technology on the devices you use to access our website, products and/or services;
Usage data, which includes information about how you use our website, products and/or services, including cookies, IP address, and account details; and/or
Block chain data, which includes block chain addresses and public keys.

Purpose of collecting information from you

We collect personal data from or relating to you in various ways, including but not limited to the following:

when you access and/or use our website, products and/or services (or part thereof);
when you submit forms relating to our website and/or any of our products or services;
when you register for or use any of our services on websites owned or operated by us or when you register as a member of websites owned and/or operated by us, or use services on such websites;
when you interact with our personnel such as customer service officers, marketing representatives and agents;
when you request that we contact you;
when you ask to be included in an email or other mailing list;
when you respond to our promotions and other initiatives;
when you enter into agreements with us;
when we receive references from business partners and third parties, for example, where you have been referred by them;
when you submit personal data to us for any other reason; and/or

We and our analytics partners gather and analyze data regarding users' activities on their website. This includes tracking pages visited, links clicked, text inputted, mouse movements, as well as common information like browser type, operating system, and IP address. We use publicly available data to estimate users' geographic location and internet service provider based on their IP address. This data, termed "Usage Data," encompasses information about website usage. Additionally, users may voluntarily provide personally identifiable information, such as their IP addresses, names, email addresses, and usernames, especially when signing up for services like a free trial of the Exchange.

Purposes for the Collection, Use and Disclosure of Personal Data

Generally, we collect, use and/or disclose personal data and Usage Data, and you consent to such collection, use and/or disclosure by us, for the following purposes:

to provide products and services to you;
to communicate with you on matters relevant to your relationship with or interest in us;
to assess and improve the products and services that you use or may use;
to selectively send you information about our products, services, activities and/or events that may be relevant to you;
to fulfill the contractual/legal obligations under the contracts or other legal arrangements entered between us and you, or entered into between our related corporations, affiliates, partners and/or representatives and you;
to protect and enforce our contractual and legal rights and obligations;
to verify your identity;
to prevent, detect and investigate crime, including fraud and money-laundering, and analyze and manage other commercial risks;
to conduct audits, reviews, and analysis of our internal processes for action planning and managing commercial risks;
to prevent, detect and investigate crime and manage the safety and security of our premises and services (including but not limited to carrying out CCTV surveillance and conducting security clearances);
to comply with any applicable rules, laws and regulations, codes of practice or guidelines or to assist in law enforcement and investigations by relevant law enforcement agencies, regulatory authorities and other governmental agencies, anywhere in the world; and/or
any other purpose relating to any of the above.

We may share personal data with our related corporations, services providers, agents and other third parties, with your consent for the purposes set out above and any other reasonable ancillary purposes, for legal reasons, or where permitted under the PDPA and other applicable laws, such as in response to law enforcement agencies.

Trans-Border personal data transfer

If we transfer personal data to countries outside Malaysia, it will be done in accordance with the relevant provisions under Malaysia laws and regulations. We will also comply with applicable laws and regulations in relation to transfers of personal data outside countries where the personal data is collected.

Third Party Data

Where you disclose personal data of other individuals to us, you warrant that such individuals have consented to us collecting, using and/or disclosing such personal data for: (i) the relevant purpose for which you made the disclosure or as was notified to you at the relevant time; and (ii) the other purposes as described above in this Privacy Policy.

Other Web Sites

Our websites may contain links to other websites which are not maintained by us. This privacy policy only applies to our website. When visiting these third-party web sites, you should read their privacy policies which will apply to your use of the web sites.

When you browse our websites, we use cookies to store information about how you use these websites in order to improve the quality of service provided to you. Cookies are files with small amount of data which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your device.

We use different types of cookies on our website to make your interaction with our website easy and meaningful. The website may include first-party cookies (i.e. cookies that send data directly to us and contractors acting on our behalf, including cookies used to monitor, analyze, and administer the website) and third-party cookies (i.e. cookies that send data to our contractors for their commercial use).

We use cookies that are session-based and persistent-based. Session cookies exist only during one session. They disappear from your computer or device when you close your browser software or turn off your computer. Persistent cookies remain on your computer or device after you close your browser or turn off your computer.

Examples of Cookies we use:

Strictly Necessary / Essential Cookies: Some cookies are essential to the operation of our services on the website. Without these cookies, we may not be able to provide certain services or features, and the website may not perform as smoothly for you as we would like. Because strictly necessary cookies are essential to operate our services on the website, if you choose to use a product on our website, there is no option to opt out of these cookies.
Performance Cookies: We and our service providers utilize analytics cookies, also known as performance cookies, to gather data on your website usage and enhance its functionality. These cookies track which pages you visit most frequently, enabling us to identify usage patterns and address any user difficulties. Blocking these cookies may affect the functionality of our website that you experience.
Top of Form
Functionality Cookies: We may employ functionality cookies to deliver enhanced and personalized content and features, such as customizing webpage or application pages. Your computer and browser information, including your IP address, browser type, and other software or hardware details, may be received and recorded by our servers to facilitate your connection to the website. These features aim to enhance your visit and aid in navigating the website's features.
Third Party Cookies: In certain cases, we collaborate with third-party companies to offer services on our websites. This includes using analytics services provided by these third parties, which may generate analytics cookies. While we might not directly access these cookies, we can utilize statistical data derived from them to tailor content and for other specified purposes. These third-party companies may share this information with other parties as required by law or for processing on their behalf. We may not oversee the usage of these third-party cookies, and their operation may be subject to the privacy policies of the third-party entities employing them.
You have the right to decide whether to accept or reject cookies. You can set or amend your web browser controls to accept or refuse cookies. If you choose to reject cookies, you may still use our website though your access to some functionality and areas of our website may be restricted. As the means by which you can refuse cookies through your web browser controls vary from browser-to-browser, you should visit your browser’s help menu for more information.

Retention of personal data

We retain personal data about or relating to you for as long as is necessary for the purposes for which such personal data was collected (including the purposes stated in section entitled “Purposes for the Collection, Use and Disclosure of Personal Data” above), and take reasonable measures to destroy any personal data that is no longer necessary to meet those purposes.

Security measures

Control of your personal information

If you do not want us to contact you via electronic messaging, you may select the “unsubscribe” option in all our electronic communications with you.

You may email us at privacy@ai-exchange.co if:

you want to be removed from our customer database;
you believe we have inaccurate information about you and you want to correct such data;
you wish to know what personal data we have on you in connection with your relationship with us and how your personal data has been used; or
you have any questions on our handling of your personal data.

We utilize personal data to offer the products and services you desire and adhere to regulatory standards, including customer due diligence. If consent for collecting, using, or disclosing personal data is withdrawn, we may need to cease these activities. Without essential personal data like name, address, contact details, identification numbers, or banking information, we may be unable to continue providing the relevant products and services.