Security and Risks

In line with Security Commission Malaysia’s AML/CFT guidelines. Urby collects the following personal data as part of its KYC process:

• Full Name
• NRIC or Passport Number
• Residential and mailing addresses
• Date of Birth
• Nationality
• Occupation Type
• Name of employer or nature of self-employment
• Range of income
• Contact number
• Email

Your personal information is protected using industry-standard security measures, including encryption and secure data storage in line with local data protection laws.

We are fully committed to keeping your data confidential and secure. For more information, please review the Privacy Notice listed on our website.

Your deposits are stored safely in a separate trust account managed by Universal Trustee Malaysia Berhad, a licensed trustee. This keeps your money completely separated from Urby's own operating funds and withdrawable at any time.

Investing with Urby is a great way to get into real estate, but it does come with risks. While we strive to make the process simple and accessible, profits aren’t guaranteed, and share values may go up or down depending on the market.

Factors that may impact the value of your Profit-Share Contracts include but not limited to:

• Property market demand risk
• PSC price volatility risk
• PSC liquidity risk
• PSC exit certain risk
• Interest rate risk
• Homeowner default risk

It’s important to think about these factors and decide if this aligns with your investment goals and your risk tolerance.

Our listing partners conduct a thorough due diligence on each property and homeowner before the corresponding Profit-Share Contracts are added  to our platform. In addition, the co-ownership agreements associated with each Profit-Share Contract are designed to minimize the risks that come with typical home ownership.