Privacy Policy

Privacy Policy Overview

This Privacy Policy explains how Amanahkredit ("we," "our," or "us") collects, uses, stores, and shares your personal data in relation to the services we provide, including our website and our mobile application, and how we protect your personal information. By interacting with our website, mobile application, or services, you acknowledge and accept the terms of this Privacy Policy.

When you request information, register for our services, or engage in transactions with Amanahkredit, you may be required to share your personal data. By providing this information, you consent to its use in line with this Privacy Policy. Your consent includes authorization for us to collect, process, transfer (including cross-border transfer to countries outside Malaysia, where our service providers may be located), and store personal data, as well as use it in accordance with this policy when you access or use our website, our mobile application, or services.

Purpose of Data Collection

This Privacy Policy outlines how we handle your personal information when you use our website and our mobile application. It applies to all data we process in connection with your relationship with us, whether as a current or potential customer.

Types of Personal Data

When using our website or mobile application, you may be asked to provide identifiable personal information such as your name, address, contact details, age, occupation, marital status, financial information, identity card or passport details, credit history, and transaction records. We may also require photographs (for example, a selfie or a photo of your identity document) captured through your device camera, with your permission, to verify your identity during the application process or while a loan is active. This is separate from — and does not give us access to — the photo gallery on your device. You must ensure that you have the proper authorization to provide personal data for others (e.g., family members, friends, employees). If you choose not to provide the necessary personal data, we may not be able to proceed with your request or continue offering our services.

Methods of Data Collection

We collect your personal information through various means, such as:

When you register for our services.
When you contact us through forms, emails, phone calls, or other communication methods.
Through analysis of your transactions, including loan payments.
When you participate in surveys or sign up for services.
From third-party sources such as credit agencies, employers, or family members.
From publicly available sources.

Data Collected from Our Website

IP Address: Your IP address is automatically logged when you visit our website. It helps us diagnose server issues and monitor website traffic. We do not link your IP address to personal information unless required by law.
Cookies: We use cookies to collect data and enhance your user experience. You can modify your browser settings to accept or reject cookies. Declining cookies may limit the functionality of the website.

Data Collected from Our Mobile Application

When you use the Amanahkredit mobile application, we collect certain technical and device information strictly for the purposes of fraud prevention, security, and service performance, including: device identifiers and device fingerprint data, device model, operating system and version, app version, IP address, and general app usage and interaction data. This information is processed to verify the authenticity of your device and to detect and prevent unauthorized or fraudulent activity. It is not used to identify or track other individuals or devices around you.

We do not request or access your contacts, call logs, SMS messages, the photo gallery on your device, or your precise location. Where a specific feature requires a device permission (for example, the camera for identity verification), we will request it explicitly, and you may decline or revoke that permission at any time in your device settings. Doing so may limit certain app functionality but will not otherwise affect your general ability to use the app.

Our mobile application may use third-party analytics and attribution tools to understand how the app is discovered and used, so we can improve it. On iOS, where this involves tracking as defined by Apple, we will ask for your permission through the App Tracking Transparency prompt, and you may choose not to be tracked. You can also reset or limit your advertising identifier at any time in your device settings.

Purpose of Data Processing

We use the personal data we collect to:

Assess your application and facilitate the use of our services.
Verify your identity and financial standing.
Process transactions and send notifications.
Communicate updates and handle requests.
Offer surveys, promotions, and marketing content, which you can opt out of at any time without affecting your access to our core services.
Improve our website and services.
Provide customer support and handle delinquent accounts.

Additionally, we may use your personal data for regulatory compliance and other legitimate purposes related to our services.

Service Providers

We may work with third-party companies, including analytics providers and third-party SDKs, to assist us in providing our services. These partners have access to your personal data only for the tasks they perform on our behalf, and they are obligated to keep it confidential and contractually required to provide the same or equal protection of your personal data as described in this Privacy Policy.

We may share your personal data with third parties, such as:

Affiliates or subsidiaries to assist in providing services and to help prevent fraud.
Law enforcement or regulatory authorities, if required by law.
Credit bureaus and collection agencies, as permitted by law.
Banking and payment partners, to process disbursements and repayments.
Service providers that assist us in operations like fraud prevention, payment processing, analytics and customer support.

We do not sell your personal data, and we do not share it with third parties for their own marketing purposes without your consent.

Special Notice for Minors

Our services are intended only for individuals who are at least 18 years old. We do not knowingly collect personal data from anyone under 18, and we do not offer loans to minors. If you are under 18, please do not submit your personal information or attempt to use our services. If we become aware that we have collected personal data from a person under 18, we will delete it.

Data Accuracy

We are committed to ensuring your personal data is accurate. If there are changes or inaccuracies, please contact us to update your information.

Data Retention

We will retain your personal data only for as long as necessary to fulfill the purpose for which it was collected, or to comply with legal requirements. After that, we will securely delete or destroy your data. Where we are required to keep certain data for legal, regulatory, fraud-prevention, or debt-recovery purposes (for example, to comply with Malaysian consumer-credit recordkeeping requirements, or to recover an outstanding balance), we may retain that specific data for as long as required by law, even after your account is closed.

Security of Personal Data

We take the security of your data seriously and implement various technical and administrative measures to protect it from unauthorized access, loss, or alteration, including encryption of data in transit (such as TLS/SSL) and administrative access controls. We may update these measures as technology evolves.

Mobile Access

If you use mobile devices to access our services, the terms of this Privacy Policy apply to mobile access as well, including the practices described under "Data Collected from Our Mobile Application" above.

Confidentiality

We recommend that you keep your account details confidential to further protect your personal data.

External Links

Our website and mobile application may contain links or redirects to external sites, including sites operated by other credit providers. We do not control these sites and are not responsible for their privacy practices. Any information you choose to provide on such a site is collected by that site under its own privacy policy, not by us. We encourage you to review their privacy policies.

Accessing, Correcting, or Updating Personal Data

You have the right to access, correct, update, or request deletion of your personal data. If you wish to do so, please contact us. A small fee may apply for access requests. Where you request deletion, please note that, as a licensed credit provider, we are required by Malaysian law to retain certain records (for example, information relating to your loan and credit history) for a defined period. In such cases, we will delete the personal data we are not legally required to keep, and securely delete the remainder once the applicable retention period ends.

Privacy Policy Updates

We may update this Privacy Policy from time to time. We will post any changes on our website, and you are encouraged to review it periodically.

Inquiries and Complaints

If you believe your personal data has been misused, or if you wish to withdraw consent for data processing, please contact us using the details provided below. We aim to resolve complaints within 30 days.

Contact Information

For inquiries or concerns regarding your personal data, please reach out to us at:

Email: [email protected]
Phone: +60360620454
Address: NO 19-3-1 MEDAN PUTRA BUSINESS CENTRE, JALAN MEDAN PUTRA 6, JALAN 6/62D, BANDAR MENJALARA

Resolution of Disputes and Submission of Claims

Amanahkredit is committed to resolving any disputes amicably and encourages individuals to first contact us if they believe that our processing of personal data does not comply with applicable privacy regulations. However, if you feel that Amanahkredit's data processing practices are in violation of privacy laws, you have the right to file a complaint with the Data Protection Regulatory Authority of Malaysia.

If you suspect that your personal data has been misused, abused, or compromised, or if you wish to withdraw your consent for the processing of your personal data, you can submit your concerns and complaints to Amanahkredit using the contact details provided above. Please include your contact details for reference. We will make every effort to resolve any such complaints within thirty (30) calendar days.

Please note that lodging a complaint will not affect the legality of any data processing that occurred before you withdrew your consent.