Privacy Policy

1. Who We Are

CarInsuranceMY (carinsurancemy.com) is a Malaysian car insurance comparison and information platform. We help consumers compare car insurance prices from BNM-licensed insurers and make informed purchasing decisions. We are not an insurance company and do not sell insurance directly.

For privacy matters, contact us at: hello@carinsurancemy.com

2. Information We Collect

2.1 Information You Provide

CarInsuranceMY does not collect personally identifiable information (PII) directly. We do not have user accounts, registration forms, or contact forms that store personal data on our servers.

2.2 Automatically Collected Data

When you visit our site, the following data is collected automatically via third-party services:

• Google Analytics 4 (GA4): Pages visited, time on site, device type, browser, approximate geographic location (country/city level), referral source. GA4 anonymizes IP addresses by default.
• Google AdSense: Serves advertisements on our site. Google may use cookies to show personalized ads based on your browsing history across websites.
• Cookies: Standard browser cookies for analytics and advertising purposes (see Section 5).

3. How We Use Your Information

• To understand how visitors use our site and improve content
• To measure the effectiveness of our guides and comparison pages
• To serve relevant advertisements via Google AdSense
• To track affiliate link performance (Bjak, Shopee) for business reporting

We do not sell, trade, or otherwise transfer your personally identifiable information to outside parties.

4. Affiliate Links & Third-Party Services

CarInsuranceMY earns affiliate commissions when you click our partner links and purchase insurance through:

• Bjak (bjak.my) — car and motorcycle insurance comparison
• Shopee Insurance — car insurance with SPayLater installment

When you click these links, you are directed to third-party websites governed by their own privacy policies. We encourage you to review their policies:

• Bjak Privacy Policy: bjak.my/privacy
• Shopee Privacy Policy: shopee.com.my/privacy

Affiliate links are marked with rel="sponsored" in our HTML. Our editorial reviews are not influenced by affiliate relationships — we review all insurers independently.

5. Cookies

We use the following types of cookies:

You can control cookies through your browser settings. Disabling cookies may affect site functionality and ad relevance. To opt out of Google advertising cookies, visit google.com/settings/ads.

6. Google AdSense & Advertising

We participate in Google AdSense (Publisher ID: ca-pub-5558146265067996). Google AdSense may use cookies to personalize ads based on your browsing history. Google's use of advertising cookies enables it and its partners to serve ads based on your visit to our site and other sites on the internet.

You may opt out of personalized advertising by visiting aboutads.info/choices or networkadvertising.org/managing/opt_out.asp.

7. Data Retention

We do not store personal data on our own servers. Analytics data retained by Google Analytics is kept for 26 months (our GA4 default setting). Advertising data is handled per Google's data retention policies.

8. Your Rights (Malaysian PDPA)

Under Malaysia's Personal Data Protection Act 2010 (PDPA), you have the right to:

• Request access to personal data we hold about you
• Request correction of inaccurate personal data
• Withdraw consent to data processing
• Request deletion of your data (where applicable)

Since we do not collect PII directly, most requests should be directed to Google (analytics/ads) or our affiliate partners. For any privacy concerns, email us at hello@carinsurancemy.com.

9. Children's Privacy

CarInsuranceMY is not directed at children under 13. We do not knowingly collect personal information from children. Our content is intended for adults making financial decisions about car insurance.

10. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last updated" date. We encourage you to review this policy periodically.

11. Contact Us

For privacy-related questions or requests: