Privacy Policy

This Privacy Policy explains how Key Feature Sdn Bhd (“we”, “us”, or “our”), the operator of the GoldGram platform available at goldgram.my (“Platform”), collects, uses, discloses, and safeguards your personal data. This Policy is prepared in compliance with Malaysia’s Personal Data Protection Act 2010 (PDPA). By using the Platform, you consent to the practices described herein.

1.Information We Collect

We collect the following categories of personal data when you use the Platform:

Account & Identity Data: Your name, email address, and password hash created at registration. If you sign up via a third-party identity provider (e.g., Google), we receive the profile data permitted by that provider.
Gold Portfolio Inputs: Physical gold items you record on the Platform, including item descriptions, weight, purchase price, purchase date, Ar-Rahnu certificate details, maturity dates, and related financial figures. This data is entered voluntarily by you and stored solely for the purpose of portfolio management.
Usage & Analytics Data: Information about how you interact with the Platform, including pages visited, features used, session duration, device type, browser version, operating system, and IP address. This data is collected automatically through server logs and analytics tools.
Advertising & Tracking Data (Meta Pixel): We use the Meta (Facebook) Pixel and related Facebook SDK tools on our Platform. This technology allows Meta Platforms, Inc. to collect data about your browser, device identifiers, and actions taken on our Platform (such as page views and button clicks) to enable targeted advertising, ad performance measurement, and audience insights. The Meta Pixel may set cookies or use pixel tags that collect hashed contact information and behavioural signals. This data is transmitted to and processed by Meta under their own Data Policy. You can manage your Meta ad preferences at facebook.com/ads/preferences.
Payment Data: If you purchase a subscription, payment processing is handled by our third-party payment processors (Stripe and/or ThriveCart). We do not store full card numbers or CVV data. We receive only a transaction confirmation and relevant subscription status.
Communications: If you contact us by email or through the Platform, we retain the content of that communication and your contact details to respond to your inquiry.

2.How We Use and Share Your Information

We use your personal data for the following purposes:

To provide, operate, and maintain the Platform and its features.
To authenticate your identity and manage your account.
To send transactional communications including subscription confirmations, expiry reminders, and Ar-Rahnu maturity alerts (via email and/or WhatsApp where applicable).
To process payments and manage subscriptions.
To improve the Platform through aggregated, anonymised analytics and user feedback.
To deliver and measure the effectiveness of our digital advertising campaigns, including campaigns run on Facebook and Instagram via the Meta Ads platform.
To comply with applicable Malaysian laws and regulatory requirements.

Sharing with Third Parties

We do not sell your personal data. We share data only as described below:

Meta Platforms, Inc. (Facebook & Instagram): Data collected via the Meta Pixel and Facebook SDK is shared with Meta to facilitate ad targeting, retargeting, lookalike audience creation, ad measurement, and conversion optimisation. Meta processes this data pursuant to its own Data Policy and Standard Contractual Clauses. You may opt out of personalised advertising by adjusting your Facebook Ad Preferences or using browser-based opt-out tools such as the Digital Advertising Alliance opt-out.
Payment Processors (Stripe, ThriveCart): Transaction data necessary to complete purchases.
Notification Service Providers: Contact details transmitted to email and WhatsApp delivery services solely to dispatch reminders and alerts you have requested.
Cloud Infrastructure & Storage: Your data is hosted on third-party cloud infrastructure. Providers are contractually required to protect your data and may not use it for their own purposes.
Legal Obligations: We may disclose personal data where required by a court order, government authority, or applicable Malaysian law.

3.Data Deletion Rights

Under Malaysia’s Personal Data Protection Act 2010, you have the right to request access to, correction of, and deletion of your personal data that we hold. You also have the right to withdraw consent for the processing of your personal data at any time, subject to legal and contractual restrictions.

To request the permanent deletion of your account and all associated personal data from our systems, please send a written request to:

Data Deletion Request

support@goldgram.my

Subject line: “Data Deletion Request” — include your registered email address in the message body.

Upon receiving a verified deletion request, we will permanently remove your personal data from our active databases within 30 business days. Please note that we may retain certain data in anonymised, aggregated form, or where retention is required by law (e.g., financial records). Data shared with Meta via the Pixel prior to your deletion request may be subject to Meta’s own retention policies; we recommend also submitting a deletion request directly to Meta at facebook.com/help/contact/861937627253138.

4.Data Security

We implement industry-standard technical and organisational measures to protect your personal data against unauthorised access, loss, destruction, alteration, or disclosure. These measures include, but are not limited to:

Encrypted data transmission via TLS/HTTPS.
Password storage using secure one-way hashing algorithms.
Access controls limiting data access to authorised personnel only.
Regular security assessments of our platform infrastructure.

Whilst we take all reasonable precautions, no method of electronic transmission or storage is 100% secure. You acknowledge that you provide your data at your own risk and we cannot guarantee absolute security. In the event of a data breach that is likely to result in a risk to your rights and freedoms, we will notify you in accordance with applicable PDPA obligations.

5.Cookies & Tracking Technologies

The Platform uses cookies and similar tracking technologies (including pixels and web beacons) to enable core functionality, remember your session, and analyse usage. The Meta Pixel specifically sets third-party cookies to support advertising functions as described in Section 1 and 2. You may configure your browser to refuse cookies; however, disabling cookies may impair certain Platform features.

6.Children's Privacy

The Platform is not directed to persons under the age of 18. We do not knowingly collect personal data from minors. If you believe a minor has provided us with personal data, please contact us at support@goldgram.my and we will promptly delete it.

7.Changes to This Policy

We may update this Privacy Policy from time to time. Material changes will be announced via the Platform or by email. Continued use of the Platform after such notification constitutes your acceptance of the revised Policy. The date at the top of this page reflects when this Policy was last revised.

Terms of Service

These Terms of Service (“Terms”) govern your access to and use of the GoldGram platform (“Platform”) operated by Key Feature Sdn Bhd (Company Registration Number: [SSM Reg. No.]), a company incorporated in Malaysia (“Company”, “we”, “us”, or “our”). Please read these Terms carefully before using the Platform.

1.Acceptance of Terms

By creating an account, accessing, or using the Platform in any manner, you confirm that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms, you must not access or use the Platform.

You represent that you are at least 18 years of age, have the legal capacity to enter into a binding agreement, and are accessing the Platform from Malaysia or a jurisdiction where use of the Platform is permitted by applicable law.

We reserve the right to modify these Terms at any time. We will provide notice of material changes via the Platform or email. Your continued use of the Platform after the effective date of any revised Terms constitutes acceptance of those changes.

2.Service Description & Disclaimer

GoldGram is a digital platform designed exclusively as a personal gold portfolio tracking and recording tool. The Platform allows users to log physical gold asset details, monitor Ar-Rahnu (Islamic pawn) certificate information, view indicative live gold market prices sourced from third-party data providers, receive maturity and repayment reminders, and generate portfolio summaries.

IMPORTANT — Not Financial, Investment, or Wealth Management Advice

GoldGram provides tracking and recording tools ONLY. Nothing on the Platform constitutes, or should be construed as, professional financial advice, investment advice, wealth management advice, trading recommendations, or any other form of regulated financial guidance. All content, data, price indicators, forecasts, and analytics displayed on the Platform are provided for informational and personal record-keeping purposes only.

The Company is NOT a licensed financial adviser, fund manager, investment bank, or regulated financial institution under Malaysian law. Any decision to buy, sell, pledge, or otherwise deal in gold or any other asset is made entirely at your own risk and discretion. You are strongly encouraged to seek independent advice from a qualified and licensed financial professional before making any financial decision.

The Company is not affiliated with, endorsed by, or connected to GoldGram Pte Ltd, GoldGramCoin, or any cryptocurrency project sharing a similar name. We do not sell gold, facilitate gold transactions, or act as a broker, dealer, or intermediary for any gold-related financial instrument.

3.User Accounts & Obligations

To access most features of the Platform, you must register for an account. You agree to:

Provide accurate, current, and complete information during registration.
Maintain the confidentiality of your account credentials.
Notify us immediately of any suspected unauthorised access to your account.
Not share, sell, or transfer your account access to any third party without our prior written consent.
Use the Platform solely for lawful personal purposes and in accordance with these Terms.

You are responsible for all activity that occurs under your account. We reserve the right to suspend or terminate your account if we have reasonable grounds to believe these Terms have been violated.

4.Subscription Plans & Payments

Certain features of the Platform are available only to users who purchase a paid subscription plan (“Pro” or “Elite”). By purchasing a subscription, you agree to pay the applicable fees at the time of purchase. All fees are stated in Malaysian Ringgit (RM) unless otherwise indicated.

Lifetime subscription plans are non-recurring; you pay once for perpetual access to the features included in that plan tier at the time of purchase.
Subscription fees are non-refundable unless required by applicable Malaysian consumer protection law.
The Company reserves the right to modify plan features, pricing, and tiers with reasonable advance notice.

5.Intellectual Property

All content, software, design, trademarks, logos, and materials on the Platform are the exclusive property of Key Feature Sdn Bhd or its licensors and are protected by applicable intellectual property laws. You are granted a limited, non-exclusive, non-transferable, revocable licence to use the Platform solely for your personal, non-commercial purposes in accordance with these Terms.

You may not copy, modify, distribute, sell, reverse-engineer, or create derivative works based on the Platform or its content without our prior written consent.

6.Limitation of Liability

To the fullest extent permitted by applicable Malaysian law, the Company, its directors, employees, agents, affiliates, licensors, and service providers shall not be liable for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages arising out of or in connection with:

Your use of, or inability to use, the Platform or any feature thereof;
Any decision to buy, sell, pledge, hold, or otherwise deal in gold or any financial asset made in reliance on, or with reference to, information displayed on the Platform;
Any inaccuracy, error, omission, or delay in gold price data or market information displayed on the Platform, which is sourced from third-party providers and provided on an “as-is” basis without warranty of accuracy, completeness, or timeliness;
Unauthorised access to or alteration of your data, except to the extent caused by our gross negligence or wilful misconduct;
Any interruption, suspension, or termination of the Platform or any of its features.

In no event shall the Company’s total aggregate liability to you for all claims arising out of or related to these Terms or your use of the Platform exceed the total amount of subscription fees, if any, paid by you to the Company in the twelve (12) months preceding the event giving rise to the liability.

7.Indemnification

You agree to indemnify, defend, and hold harmless Key Feature Sdn Bhd and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, judgments, awards, losses, costs, and expenses (including reasonable legal fees) arising out of or relating to your violation of these Terms or your use of the Platform.

8.Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of Malaysia, without regard to its conflict of law principles. Any dispute, controversy, or claim arising out of or relating to these Terms, including their validity, breach, termination, or interpretation, shall be subject to the exclusive jurisdiction of the courts of Malaysia.

Before initiating formal legal proceedings, both parties agree to attempt to resolve any dispute amicably through good-faith negotiation. If a dispute cannot be resolved within 30 days of written notice, either party may pursue available legal remedies.

9.Termination

We may suspend or terminate your access to the Platform at any time, with or without notice, if we determine that you have violated these Terms, engaged in fraudulent or harmful conduct, or if required by law. Upon termination, your right to use the Platform ceases immediately. Provisions that by their nature should survive termination (including Sections 6, 7, 8, and 10) shall remain in full force.

10.General Provisions

Entire Agreement: These Terms and the Privacy Policy constitute the entire agreement between you and the Company regarding your use of the Platform and supersede all prior agreements and understandings.
Severability: If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
Waiver: Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision.
Contact: Questions about these Terms may be directed to support@goldgram.my.

Legal Documents