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, and how we protect your personal information. By interacting with our website or services, you acknowledge and accept the terms of this Privacy Policy.

User Consent

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, and store personal data, as well as use it in accordance with this policy when you access or use our website or services.

Purpose of Data Collection

This Privacy Policy outlines how we handle your personal information when you use our website. 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, 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 to verify your data during the application process or while a loan is active. 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.
     

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.
     
  • 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 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.

Sharing Personal Data

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

  • Affiliates or subsidiaries to assist in providing services.
     
  • Law enforcement or regulatory authorities, if required by law.
     
  • Credit bureaus and collection agencies.
     
  • Service providers that assist us in operations like fraud prevention and customer support.
     

Special Notice for Minors

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal data from minors. If you are under 18, please do not submit your personal information. If you wish to use our services, please have a parent or guardian provide their consent.

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.

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. 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.

Confidentiality

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

External Links

Our website may contain links to external sites. We do not control these sites and are not responsible for their privacy practices. We encourage you to review their privacy policies.

Accessing, Correcting, or Updating Personal Data

You have the right to access, correct, or update your personal data. If you wish to do so, please contact us. A small fee may apply for access requests.

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: +601168182826
     
  • 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.