Privacy Policy

Last updated: March 16, 2026

This Privacy Policy describes how DebtMetrics collects and uses your personal information. We are committed to protecting your privacy and handling your data responsibly. When you access our platform for tracking national debt, sovereign credit ratings, debt-to-GDP ratios, bond market dynamics, and fiscal consolidation roadmaps, we collect certain information to improve your experience and provide accurate financial analytics.

Information We Collect

We collect information in several ways to enhance our services and ensure you receive the most relevant fiscal data for Malaysia’s economic landscape.

• Account Information: When you register, we collect your name, email address, and password. This information allows us to maintain your profile and provide personalized access to our debt tracking and rating assessment tools.
• Usage Data: We track how you interact with our platform, including pages visited, features used, time spent on sections, and navigation patterns. This helps us understand which aspects of sovereign credit analysis and bond market insights are most valuable.
• Device Information: We automatically collect device identifiers, browser type, operating system, IP address, and referring URLs to ensure our fiscal data portal functions properly across all devices.
• Cookies and Tracking: We use cookies and similar technologies to remember your preferences, maintain session data, and analyze platform performance related to debt-to-GDP tracking and consolidation roadmap features.

How We Use Your Information

We use the information we collect to provide, maintain, and improve our services focused on Malaysia’s national debt analytics and sovereign rating assessments. Our data usage includes:

• Delivering and personalizing content about government debt metrics and credit rating trends
• Analyzing bond market dynamics and fiscal consolidation progress to provide accurate reports
• Sending updates about changes to our platform, policy updates, and relevant financial news
• Improving platform functionality and user experience for debt analysis tools
• Detecting and preventing fraud, security breaches, and unauthorized access to fiscal data
• Complying with legal obligations and regulatory requirements for financial information services

Your Privacy Rights

You have important rights regarding your personal information. You can request access to the data we hold about you, ask for corrections if information is inaccurate, and request deletion of your personal data subject to legal requirements. We will respond to rights requests within 30 days. You also have the right to opt out of non-essential communications while maintaining access to our core debt tracking and sovereign rating services. To exercise these rights, contact us with specific details about your request.

Cookies and Tracking Technologies

We use cookies to enhance your browsing experience on our fiscal metrics platform. These include essential cookies necessary for platform functionality, analytical cookies that help us understand how you interact with debt-to-GDP tracking tools, and preference cookies that remember your settings for sovereign rating assessments. You can control cookie settings through your browser, though disabling certain cookies may limit functionality. We also use web beacons and similar tracking technologies to monitor engagement with our bond market analysis content and fiscal consolidation roadmap features.

Data Security and Protection

We implement comprehensive security measures to protect your personal information from unauthorized access, alteration, disclosure, and destruction. Our infrastructure includes encryption for data in transit and at rest, secure authentication protocols, regular security audits, and restricted access to sensitive information. We train our team on data protection practices and maintain compliance with international security standards. However, no security system is completely impenetrable, and we cannot guarantee absolute security of your information transmitted over the internet.

Data Retention

We retain your personal information for as long as necessary to provide our services and fulfill the purposes outlined in this policy. Account information is retained for the duration of your relationship with us. Usage data and analytics are typically retained for up to two years to track trends in debt metrics and credit rating assessments. We may retain certain information longer if required by law or for legitimate business purposes. You can request deletion of your account and associated data at any time, subject to legal retention requirements.

Third-Party Services

We may share aggregated, anonymized data with third-party analytics providers, financial data services, and research partners to improve our sovereign credit rating analysis and debt-to-GDP tracking capabilities. We do not sell your personal information. We may disclose information when required by law, court order, or government request. We carefully select third-party partners and require them to maintain appropriate confidentiality and security standards for your fiscal data.

International Data Transfers

If your personal information is transferred to countries outside Malaysia, we ensure appropriate safeguards are in place to protect your data. We comply with applicable data protection regulations and implement standard contractual clauses or other mechanisms to ensure adequate protection for international transfers of your information related to national debt analysis and sovereign rating assessments.

Children’s Privacy

Our platform is not intended for users under 18 years of age. We do not knowingly collect personal information from children. If we discover that we have collected data from someone under 18, we will delete that information promptly. Parents or guardians who believe their child has provided information to us should contact us immediately.

Policy Updates

We may update this Privacy Policy periodically to reflect changes in our practices, technology, legal requirements, or other factors related to fiscal data protection and sovereign credit analytics. When we make material changes, we will notify you by updating the “Last updated” date and, for significant changes, by providing prominent notice on our platform. Your continued use of our services constitutes acceptance of the updated Privacy Policy. We encourage you to review this policy regularly to stay informed about how we protect your information.