Privacy @ KiB
PT Keluarga Invest Bahagia — is a private family office. Privacy is one of our core values. We collect only the personal information that is necessary for our relationship with you or for the coordination of services you request. KiB does not accept investors directly, but in certain situations we may receive limited information from regulated affiliated entities.
When you provide personal data you must agree that we may store and use this information to communicate with you, send updates you have requested, or respond to enquiries. You may withdraw your consent at any time by emailing service@keluarga-invest.com
We do not sell, share, or distribute information to third parties. All information is handled with strict confidentiality. If you share personal data about another individual, this notice applies to them as well, and you should ensure they are aware of it.
Our website uses only minimal, essential cookies managed by our hosting provider; we do not track visitor behaviour, profile users, or run analytics or advertising tools. We retain personal information only for as long as necessary to fulfil the purpose for which it was collected, to meet legal or regulatory requirements, or to respond to future questions related to the guidance or services provided.
Where applicable, we follow internationally recognised principles of fair dealing to ensure clarity, suitability, professionalism, and proper handling of any concerns or complaints. You may at any time request access to the information we hold about you, ask for corrections, request deletion where legally permitted, or update your communication preferences by contacting us directly.
Conduct of Business (COB) principles we follow:
Outcome 1 – A Culture of Integrity and Fair Treatment
Clients must have confidence that they are dealing with a firm whose culture, governance and internal controls promote honesty, fairness, and responsible conduct at all times. Fair treatment must be embedded in leadership, policies, and day-to-day decision-making.
Outcome 2 – Products and Services Must Be Appropriate and Suitable
Firms must ensure that all products or services recommended to clients are appropriate for their needs, circumstances, risk appetite, and level of understanding. Suitability assessments and clear documentation are expected before offering or arranging any financial product.
Outcome 3 – Competent and Properly-Supervised Representatives
Individuals providing information, explanations, or advisory support must be properly trained, knowledgeable, and supervised. They must act with due skill, care, and diligence, and avoid misleading or incomplete information.
Outcome 4 – Clear, Fair, and Not Misleading Information
Clients must receive information that is accurate, balanced, timely, and easy to understand. Marketing materials, explanations, and communications must not be misleading or omit key facts. Clients should have sufficient information to make informed decisions.
Outcome 5 – Effective and Transparent Handling of Concerns and Complaints
Firms must have clear, accessible procedures for handling complaints and concerns. Issues must be addressed promptly, independently, and fairly, with records maintained and outcomes communicated clearly to the client.
Outcome 6 – Protection of Client Assets and Confidential Information
Firms must safeguard client data, documents, and assets using robust security, privacy, and risk-management controls consistent with DIFC standards.