PRIVACY POLICY & PERSONAL DATA NOTICE (PDPA)

Last Updated: September 2026
Application: AmanahKredit Mobile Application

AmanahKredit ("we", "us", "our") is committed to protecting your personal data in accordance with the Personal Data Protection Act 2010 (PDPA) of Malaysia and Apple App Store Privacy Guidelines (Guideline 5.1.1).

 

1. INFORMATION WE COLLECT

We collect personal data necessary to evaluate loan applications, verify identity, and manage account services:

  • Identity Information: Full name, MyKad (NRIC) number, date of birth, gender, and nationality.
  • Contact Information: Phone number, email address, physical address.
  • KYC & Biometrics (Camera Access): We request explicit access to your device camera to capture images of your MyKad document and live selfie photographs strictly for identity verification and anti-fraud checks (NSCameraUsageDescription).
  • Financial & Employment Details: Bank account details, salary information, employment status, and loan repayment history.
  • Device & Technical Data: IP address, device model, operating system version, and unique device identifiers.

 

2. APP TRACKING TRANSPARENCY (ATT) & CREDIT ASSESSMENT

In accordance with Apple's App Tracking Transparency framework, we request user permission prior to gathering data used for creditworthiness evaluation.

  • Credit Bureau Reporting: Data collected during the application process (e.g., Email, Phone Number, MyKad) may be shared with authorized third-party credit bureaus and rating agencies (such as Experian) strictly for automated credit scoring and risk evaluation.
  • User Control: You may grant or revoke tracking permissions via your iOS system settings at any time without restricting core app functionality.

 

3. HOW WE USE YOUR INFORMATION

We process your personal data for the following purpose-driven reasons:

  1. To process, score, and evaluate loan applications.
  2. To perform identity verification (KYC) and comply with Anti-Money Laundering (AML) regulations.
  3. To disburse loan funds and process repayment transactions.
  4. To communicate loan approvals, counter-offers, and status updates via Push Notifications, SMS, or Email.
  5. To enforce loan agreements and recover outstanding obligations.

 

4. DISCLOSURE & SHARING OF PERSONAL DATA

We do not sell your personal data. We disclose your information only to:

  • Government authorities, regulatory bodies (KPKT), and law enforcement agencies as required by law.
  • Licensed credit reporting agencies (e.g., Experian) for credit risk assessment.
  • Authorized payment gateway operators, financial institutions, and legal representatives.
  • Third-party debt management agencies in the event of default on active contracts.

 

5. IN-APP ACCOUNT DELETION & DATA RETENTION

  • Requesting Deletion: You can request account deletion at any time directly inside the Mobile App under Profile -> Settings -> Delete Account.
  • Immediate Revocation: Once requested (and subject to no active outstanding loans), your account is revoked, and your personal profile is permanently removed from active developer databases.
  • Mandatory Archive Period: In compliance with Malaysian financial and money-lending legislation, certain financial and audit data (e.g., historical contracts, transaction logs) will be retained in a secure, encrypted archive for the mandatory statutory retention period.

 

6. IN-APP WEB BROWSING & DATA SECURITY

All legal notices, Terms of Use, and Privacy Policies linked inside the App open via secure internal modal windows (SFSafariViewController / WKWebView) without redirecting you to external unencrypted browsers. We implement industry-standard encryption protocols (SSL/TLS) to safeguard your data.

 

7. CONTACT OUR DATA PROTECTION OFFICER

If you have questions regarding this Privacy Policy or wish to exercise your data rights, please contact our Data Protection Officer: