Regulatory Compliance
Our commitment to ethical practices and regulatory compliance ensures your protection and peace of mind.
Regulatory Framework
We adhere to all applicable Malaysian laws and regulations governing financial services.
Money Lenders Act 1951
We operate under a valid moneylending license issued by the Ministry of Housing and Local Government.
Bank Negara Malaysia Guidelines
We comply with BNM's guidelines on responsible lending, consumer protection, and anti-money laundering.
Personal Data Protection Act 2010
We protect your personal data in accordance with PDPA requirements and best practices.
Anti-Money Laundering Act 2001
We have robust AML/CFT procedures to prevent financial crimes and terrorist financing.
Licensing Information
Company Name
MyPinjam Credit
Trading As
MyPinjam Credit
License Type
Moneylending License
Issued By
Ministry of Housing and Local Government, Malaysia
Registered Address
Level M, M-01a, Wisma YNH, Kiara 163
8, Jalan Kiara, Mont Kiara
50480 Kuala Lumpur, Malaysia
Responsible Lending Practices
We are committed to responsible lending that prioritizes your financial wellbeing.
Affordability Assessment
We thoroughly assess your ability to repay before approving any loan, considering your income, expenses, and existing obligations.
Transparent Pricing
All interest rates, fees, and charges are clearly disclosed upfront with no hidden costs.
Fair Treatment
We treat all customers fairly and do not discriminate based on race, religion, gender, or other protected characteristics.
Customer Education
We provide clear information about loan terms and help customers make informed financial decisions.
Debt Collection Practices
We follow ethical debt collection practices and never use harassment, intimidation, or violence.
Complaint Handling
We have a structured process for handling customer complaints promptly and fairly.
Customer Protection Measures
Data Security
- ▸End-to-end encryption of sensitive data
- ▸Secure servers with regular security updates
- ▸Access controls and authentication
- ▸Regular security audits and penetration testing
Privacy Protection
- ▸Minimal data collection (only what's necessary)
- ▸Consent-based marketing communications
- ▸Right to access and correct your data
- ▸Secure data disposal procedures
Anti-Fraud Measures
- ▸Identity verification procedures
- ▸Transaction monitoring systems
- ▸Fraud detection algorithms
- ▸Staff training on fraud prevention
Anti-Money Laundering & Counter Financing of Terrorism
We maintain robust AML/CFT procedures to prevent our services from being used for illicit purposes:
Customer Due Diligence
- • Identity verification for all customers
- • Enhanced due diligence for high-risk customers
- • Source of funds verification
- • Ongoing monitoring of customer relationships
Suspicious Activity Reporting
- • Transaction monitoring systems
- • Staff training on red flags
- • Reporting to Financial Intelligence Unit
- • Record keeping and audit trails
Complaint Resolution Process
If you have a complaint about our services, we are committed to resolving it fairly and promptly:
Submit Your Complaint
Email us at hello@mypinjamcredit.com or call +60-11-24335406
Acknowledgment
We will acknowledge your complaint within 1 business day
Investigation
We will investigate and respond within 14 business days
External Resolution
If unsatisfied, you may escalate to Bank Negara Malaysia's Financial Ombudsman Service
Our Code of Conduct
We hold ourselves to the highest ethical standards:
Questions About Compliance?
Our compliance team is here to address your concerns and ensure transparency.