Privacy @ KiB




PT KELUARGA INVEST BAHAGIA or KiB is one of the most private environments. We take privacy very seriously and see privacy as a great value. For different reasons, depending on our relationship with you, we must collect and use different personal information, about you, to offer our services but we go the extra mile to keep that data safe.

By sending us your name and email address you agree that PT Keluarga invest Bahagia (or KiB) may store this email address for the purposes of sending direct advertising and contact initiation in connection with the products and services offered by KiB.

You can revoke this consent at any time by sending an email to 

Our website provider may be using cookies, but we do not actively use any cookie information. In fact, we have asked our provider to minimize anything that could track a visitor or be used to identify you to the absolute minimum. Visiting our website you do have to agree that we make the information available online. But any advice is given personally. And we don’t track you based upon a visit to our website.

We may use your personal information to provide you with information about our products or services which may be of interest including e-briefings and newsletters, where you have provided your consent for us to do so. We do not share any of your personal information with third parties unless you have given your prior consent to do so. E.g. in the case of signing up for a service that is offered/executed by a third-party provider you have to give your consent to share some of your personal data for the product to open.

If you wish to opt-out of marketing, you may do so by clicking on the "unsubscribe" link that appears in all emails which are sent by your Partner or telling us when we call you. Otherwise, you can always contact us to update your contact preferences.

Please note that even if you opt-out of receiving marketing messages, you may still receive communications from your adviser in connection with the products we offer you.

Sometimes, for the sake of comprehensive planning, we will request or receive “additional categories of personal information” which is information relating to your health, genetic or biometric data, criminal convictions, sex life, sexual orientation, racial or ethnic origin, political opinions, religious or philosophical beliefs, and trade union membership, etc in order to provide comprehensive advice and deliver health-related products to you.

Where you provide personal information to us about other individuals (for example, the members of your family or other dependents) we will also be the data controllers of their personal information and we are responsible for protecting their personal information and using it appropriately. This notice will therefore apply to those individuals and you should refer them to this notice.

Financial products can be stored in our digital vaults with or without online access for you. We have encrypted entrance codes for these vaults for additional protection and safekeeping. No third parties are granted access. We never ask for your secure entrance codes.

We will only keep your personal information for as long as reasonably necessary to fulfill the purposes, to comply with our legal and regulatory obligations or for as long as necessary to respond to concerns you raise with the advice you received. As a financial service firm, we work with other regulated parties that are regulated by e.g. the Financial Conduct Authority (the FCA) or others like (MAS or AFM) who impose certain record-keeping rules to which we must adhere to.

We comply with the GUIDELINES ON FAIR DEALING set out by the MAS in Singapore, 20-02-2013


  • Outcome 1: Customers have confidence that they deal with financial institutions where fair dealing is central to the corporate culture.
  • Outcome 2: Financial institutions offer products and services that are suitable for their target customer segments.
  • Outcome 3: Financial institutions have competent representatives who provide customers with quality advice and appropriate recommendations.
  • Outcome 4: Customers receive clear, relevant, and timely information to make informed financial decisions.
  • Outcome 5: Financial institutions handle customer complaints in an independent, effective and prompt manner.