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Public Mutual Berhad
  • Invest Now
  • Our Products
    • Unit Trust
    • Shariah-based Unit Trust
    • e-Series of Funds
    • EPF Investment
    • Private Retirement Scheme
    • Our Funds
  • Menu
    • Home
    • About Our Funds
    • Financial Planning Services
    • Exclusive Privileges
    • Promotion
    • Learning Hub
    • Announcement
    • Corporate
    • Join Us
    • Cybersecurity Awareness
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Public Mutual is committed to providing high standards of online security and confidentiality to our investors.



How do we protect you?
Public Mutual understands your concerns about the security and safekeeping of your online account. Here are some of the steps and precautions that we take in order to combat cybersecurity threats.

User ID and Password

A user ID is a unique identifier, commonly used to log in to a website, app or online service. It may be a username, account number or an email address. It is the most basic security feature used for profile identification.

Select a unique password that is different from your personal information. It is highly recommended that your password consist of upper- and lower-case letters, numerals as well as special characters to keep your profile even more secure.

Do not reveal your user ID and password to anyone, including Public Mutual's staff and/ or unit trust consultants (UTCs) as they are not authorised to request for your password under any circumstances.

Personal Login Phrase (PLP)

The Personal Login Phrase (PLP) functions like a secret code that is displayed to you just before you enter your password to log in. It is important to keep PLPs confidential and avoid sharing them with others.

A strong PLP should be unique, difficult to guess, and easy for the user to remember. Never divulge your PLP to anyone under any circumstances, and do not use your User ID and/ or Password as your PLP.

If the PLP displayed does not match your PLP, do not key in your password. Instead, you should report such issues by contacting us for assistance via:

a. Customer Service Hotline : 603-2022 5000
b. Email : customer@publicmutual.com.my

Personal Authentication Code (PAC)

A Personal Authentication Code, or PAC, is an authentication code generated by the system and delivered to your registered mobile phone via Short Message Service (SMS) when performing online transactions.



If you receive a PAC without your consent, please report the issue to us immediately via:

a. Customer Service Hotline : 603-2022 5000
b. Email : customer@publicmutual.com.my

Session Management

Your account will be automatically logged off if there has not been any activity for a certain period of time. This is to ensure that your account is safe and secure. Additionally, this also reduces the risk of data breaches when your account is left idle.

Post-transaction Notification

Public Mutual will send notifications to you after transactions have been processed.

Public Mutual SecureSign

Public Mutual SecureSign is an enhanced security feature that helps you authenticate your login for Public Mutual Online (PMO).

Secure Sockets Layer (SSL)/ Transport Layer Security (TLS)

Secure Sockets Layer (SSL) and its successor, Transport Layer Security (TLS), are security protocols for establishing encrypted links between a server (website) and a client (web browser) on the Internet.

SSL/ TLS allows sensitive information such as your login credentials, credit card details and personal data to be transmitted securely as the data is encrypted. This will greatly reduce the risk of hackers intercepting or tampering with your data for harmful intentions.



How should you protect yourself?
Here are some cybersecurity threats and the corresponding tips to educate and protect you from falling prey to online scams.

Malware

Malicious software (Malware) is a program or file that is harmful to a computer system.

Malware is specifically designed to disrupt, damage, steal or gain access to computer systems without your permission.

Malware is usually disguised as a legitimate file download through attachments and links shared from an unknown email source and/ or a website that you visited.

Prevention
  1. Do not click on any suspicious links sent to you via SMS, communication applications (e.g. WhatsApp, WeChat, Facebook Messenger) and other social media.
  2. Only download mobile apps from legitimate platforms such as Google Play Store, Apple App Store, Huawei App Gallery, etc.
  3. Install reliable anti-virus software and always update to the latest definition on your computer systems and devices.

Passwords and Authentication

Cybercriminals have programs that mine public profiles for potential password combinations and use dictionary attacks that automatically try different words until they find a match on your password.

Prevention
  1. Avoid using the same password for different online accounts.
  2. You can set up a strong password for your online account as a first security measure. A strong password should consist of upper- and lower-case letters, numerals as well as special characters.
  3. Do not use repetitive passwords with commonly-known combinations such as '1111', '1234', 'password', 'football', etc.
  4. Change your passwords regularly.

Email Phishing/ Scams

Email scams are generally delivered in the form of a spam email. However, some are tailored to look like a legitimate website. These email scams are designed to trick you into disclosing information that will lead to defrauding or stealing your identity and performing malicious actions on your behalf.

These emails come with a link that allows users to click on and be directed to a fake website to steal their user ID, password and One-Time Password (OTP).

Prevention
  1. Always check the sender's email address and ensure that it is from a legitimate company email (e.g. xxx@publicmutual.com.my).
  2. Public Mutual does not send emails to customers/ investors requesting for their personal details or to change their passwords.
  3. Do not open/ forward emails with non-specific greetings such as "Dear customer" and which you suspect are scams with unknown sources.
  4. Do not click on any URL links embedded in the email body directly, but re-type it at the browser instead. Check for grammatical errors such as "Pub1ic Mutual" as these phrases are meant to lure you into believing that it is from a legitimate source.

Online/ Internet Security

Always clear your browser cache when you log out from Public Mutual Online (PMO) as the browser may store your account numbers and sensitive information on the public computers or devices that you have used.

Keep your login credentials and passwords confidential.

You should never reveal your Personal Authentication Code (PAC) to anyone who asks/ requests, regardless of the channel of communication.

Do not use unsecured mobile devices (e.g. jailbroken, rooted OS) in order to prevent your account from being tampered with or compromised.

Phone Scams

Phone scams refer to phone calls/ SMS that trick victims into revealing their sensitive information (e.g. user account, password and PAC/OTP)

Prevention
  1. Never reveal your personal data during unidentified phone calls/ SMS.
  2. Public Mutual will not ask for personal information such as passwords and user accounts via phone calls/ SMS from investors.

About PMO Online Security
Stay vigilant, stay secured. Cybersecurity requires commitment from all of us. This page aims to provide helpful security tips and information to assist you in taking the necessary precautions to ensure the safety of your personal and sensitive information.

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Drop us a mail at customer@publicmutual.com.my

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Give us a call at +603 2022 5000


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*In terms of total retail fund size managed amongst private unit trust companies and PRS providers in Malaysia.
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