Privacy Policy


1.1 The following statement explains Njoi's Privacy Policy ("this Policy") regarding the personal information collected by Njoi about you. Upon registration and from time to time, you will be asked to submit personal information about yourself (eg name and email address etc.) in order to use the Njoi Website. By providing Njoi with your details in the fields requested, you enable Njoi to provide you with its services located at and its related channels (" Njoi Service"). We will treat such personal information in accordance with this Policy. This privacy policy covers Njoi and its website and its related channels.

1.2 The Njoi Service is provided to you subject to the Njoi Website Terms of Use & Notices and in accordance with the laws of Malaysia. Njoi will act in accordance with current Malaysian legislation on personal information protection in this Policy and as far as practicable, aim to meet current Internet best practice.

1.3 The term Authorised Third Parties describes the contractors, agents and third party suppliers with whom Njoi or other members of the Njoi Group enter into agreements from time to time and persons with whom they may contract in order to provide the Njoi Services.

For the purposes herein, all words and expressions shall have the same meaning as in the Njoi Website Terms of Use & Notices, except where otherwise expressly stated.

By submitting your information, you consent to the use of your personal information collected by us, in the manner as set out in this Policy.


2.1 Njoi may revise and update this Policy at any time. When Njoi posts changes to this Privacy Policy, you will see the word "updated" next to the Privacy Policy link on the Home page of the Njoi Website. You should periodically review this Policy for changes. Your continued use and access of the Njoi Service and Website will mean you accept those changes.


3.1 The Njoi Website is not directed at parties under 18 years of age. If you are under 18, please get your parent/guardian's permission beforehand whenever you provide personal information to the Njoi Website. Users without this consent are not allowed to provide Njoi with personal information.


Personal Information Collection

4.2 Njoi collects and uses your personal information (i.e. personal information which identifies you, e.g., your name and postal address, date of birth, gender, telephone and fax numbers, email address, and credit/debit card information; lifestyle) only with your knowledge and consent when you use the Njoi Website, the Njoi Services, make use of our product and service enquiries, or when you respond to communications from Njoi (such as contests, questionnaires or surveys) and other information collected on registration or through surveys.

4.3 When you request pages from the Njoi Website server, it automatically collects some information about your preferences, including your IP address. Njoi uses this to help diagnose problems with the Njoi Website and server, to administer the Njoi Website and for the purposes set out in Section 5 below.

Non-personally Identifying Information

4.4 Njoi automatically collects aggregate and demographic information about the use of the Njoi Website, including which pages are most frequently visited, how many visitors the Njoi Website receives daily, how long visitors stay on each page, your preferences and other similar sites based on your browsing (click-stream) activities. This information may include the pages you browse and products and services viewed or ordered for example. This helps Njoi to better provide you with a more enjoyable, customised service and experience in the future.

4.5 Njoi uses the information available to create profiles of the Njoi Website user base. Njoi may provide aggregate profile information of its users to advertisers to help tailor information from the advertisers to your interests. For example, Njoi may inform advertisers that it has a certain number of Njoi Website users that have an interest in a topic and are interested in receiving information about the topic.

Third Party Information.

4.6 Njoi does not monitor or permanently store third party information save for the purpose of accounting, billing or record keeping, or unless required by law.


5.1 Your personal information will be used by Njoi or Authorised Third Parties, in support of the purposes stated at the time at which it was given or sought, and/or for the following reasons:

5.1.1 For the purposes of technical administration of the Njoi Website.

5.1.2 For research and development.

5.1.3 Statistical analysis.

5.1.4 Customer administration.

5.1.5 Profiling service preferences.

5.1.6 Finance and marketing operations and activities and/or as required in the provision of our services including but not limited to credit control services.

5.1.7 In compliance with any regulatory, statutory or legal obligation imposed on us by any relevant authority.

5.1.8 To service your Njoi subscription website/s ("Njoi Website") and otherwise operate and provide the Njoi Service to you including but not limited to creating an Njoi Website and an optional wallet website; To support your questions about use of the Njoi Service. To detect and prevent fraudulent activity.

5.1.9 To provide other goods and services by Njoi or its designated representatives and/or business partners to you or parties designated by you and matters ancillary thereto;

5.1.10 To verify and process payment when you use the Njoi Website and/or the Njoi Service or purchase goods and services from Njoi;

5.1.11 To verify and record your personal particulars including comparing it with information from other sources and using the information to communicate with you;

5.1.12 To conduct market research of the users of the Njoi Website and Njoi Service including the number of users, the frequency of use, profile of users and using such analysis for our business plans, the enhancement of our products and services, targeted advertisements and conveying such information in broad aggregate terms to third parties who have or propose to have business dealings with Njoi;

5.1.13 To send you information, promotions and updates including marketing and advertising materials in relation to our goods and services and those of third party organizations selected by Njoi;

5.1.14 To comply with any order of court or directive from authorities investigating any alleged offence, misdeed and/or abuse or to enforce any of the terms in the Njoi Website Terms of Use & Notices or, where such action is necessary to protect and defend the rights or property of Njoi.

5.2 If Njoi wishes to use your personal information for new purposes, Njoi will offer you the means to consent to those new purposes by sending an email to the Webmaster website.


6.1 Njoi will not sell or rent your personal information to third parties. Except as provided for herein, Njoi will not disclose personal information about you to any third party without your consent.

6.2 Njoi may from time to time, contact you on behalf of external business partners about particular goods, offers or services that may be of interest to you. In those cases, personal information that may identify you will not be transferred to the third party. All communication whether from Njoi or our business partners will be sent to you by Njoi.

6.3 Njoi may however, need to work with Authorised Third Parties to provide part or all of the Njoi Website, the Njoi Service and/or other services to you or to perform market research and statistical analysis. In such situations, Njoi will share your personal information as is necessary for the Authorised Third Party to perform these services, on a strictly confidential basis. These parties are not allowed to use your personal information disclosed to them except for the limited purpose of providing the particular service for Njoi. By using and continuing to use the Njoi Website you are deemed to have consented to such disclosure.

6.4 Without limiting the above, Njoi may disclose your personal information about you, your Njoi Website and/or your Njoi Website for websiteing or reporting purposes, subject to the terms of this Policy.

6.5 Njoi may disclose your personal information to other organisations for the purpose as outlined in this Section 6. Njoi may also provide your information to carefully selected third parties whose products or services it believes may be of interest to you. If you do not wish for Njoi to disclose your information, please send an e-mail to Webmaster website.


7.1 The Njoi Website may contain, from time to time, links to other web sites. Njoi is not responsible for the privacy practices or the content of such websites or of any third party. You should review the privacy policies of such websites when you visit them. This Policy applies solely to information collected by the Njoi Website.


What is a Cookie?

8.1 When you enter a website your computer will automatically be issued with a cookie. Cookies are text files that are placed in your computer's hard drive to identify your computer to our server. Generally, cookies themselves only record those areas of the site that have been visited by the computer in question, and the duration. Many websites do this whenever a user visits their site in order to track traffic flow.

8.2 Depending upon the type of browser you are using, you may set your computers to accept all cookies, to notify you when a cookie is issued, or not to receive cookies at any time. The last of these, of course, means that certain personalised services cannot then be provided to you.

Njoi Cookies

8.3 Njoi uses "cookies" to store and track information about you and your use of the Njoi Website. Unless you have an Njoi Website, Njoi cookies in themselves do not identify the individual user, just the computer used. You may browse the Njoi Website anonymously until such registration.

8.4 The Njoi cookie and information retrieved from the Njoi cookie is used in line with the uses set out in Section 5 above and more specifically:

8.4.1 To help save and retrieve passwords used on the Njoi Website. This way, you will not have to re-enter information upon every new visit to the Njoi Website.

8.4.2 To track information such as the frequency and duration of your use of the Njoi Website, your click-stream as you go through the Njoi Website, your preferred sites, and help us determine whether you came to the Njoi Website from a particular Internet link or banner advertisement.

8.4.3 To analyse the profile of the Njoi Website visitors and users to helps Njoi provide you with better service and to enhance our service.

8.4.4 To personalize the content, banners and promotions that you will see on the Njoi Website.

8.5 Most cookies are "session cookies," meaning that they are automatically deleted from your computer's hard drive at the end of a session. You are always free to decline the Njoi Website cookies if your browser permits, although in that case you may not be able to use certain features on the Njoi Website and you may be required to re-enter your password more frequently during a session.

Third Party Cookies

8.6 Njoi uses other third-party advertising companies to serve ads when you visit the Njoi Website. In the course of serving advertisements to the Njoi Website, our third-party advertisers may place or recognize a unique cookie in your computer. These companies may use information retrieved from their cookies to provide advertisements on the Njoi Website and other websites about goods and services that may be of interest to you.


9.1 If you want to prevent one of these third-party companies from sending and reading cookies on your computer, you will need to visit each of their websites individually to request that you be removed from that system.


10.1 You will be given the opportunity to 'opt-out' of having your information used for purposes not directly related to the Njoi Service and Website at the point where Njoi asks for information. If you do not wish to receive our promotional updates you may opt-out of receiving these communications by replying to UNSUBSCRIBE in the subject line in the email sent or by emailing us at the Webmaster website.

10.2 You can write to us at any time to obtain details of the personal information Njoi holds about you.Please write to: Webmaster Website

10.5 Njoi reserves the right to refuse to provide our visitors with a copy of their personal information, but will give reasons for our refusal.


11.1 The Internet is not a secure medium, and communications over the Internet may be subject to third-party interception. Njoi cannot accept responsibility for any unauthorised access or loss of personal information, save in accordance with the Njoi Website Terms of Use & Notices.

11.2 Njoi has implemented security policies, rules and technical measures to protect your Njoi Website information from unauthorised access, improper use or disclosure, unauthorised modification, unlawful destruction or accidental loss. All our employees and data processors, who have access to and are associated with the processing of personal information, are obliged to respect the confidentiality of your Njoi Website information.

11.3 While Njoi cannot guarantee that loss, misuse or alteration of data will not occur; Njoi makes reasonable efforts to prevent such unfortunate occurrences.

11.4 Personal information that Njoi collects from you will be stored and backed up securely in an environmentally-controlled location. Only authorized people with user ID and password from Njoi have access to the information.

11.5 You must remember to log off from your Njoi Website and close the browser window after use so that no unauthorized party can have access. You must not, at any time, divulge your user ID and password to any third party.


12.1 It may be necessary to transfer your personal information to other group companies or service providers located in countries outside Malaysia. This may happen where our servers or suppliers and service providers are based outside Malaysia or where you use the Njoi Website and/or Njoi Service from countries outside Malaysia. In these instances Njoi will take steps to ensure that your privacy rights are respected in accordance with this Policy.


13.1 If you have any questions about this Policy or your dealings with the Njoi Web site, please write to: Webmaster Website

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