Privacy Policy

Introduction

MyPinjam Credit (MyPinjam Credit) ("we", "our", or "us") is committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.

We comply with the Personal Data Protection Act 2010 (PDPA) of Malaysia and other applicable data protection regulations.

Information We Collect

How We Use Your Information

We use your personal information for the following purposes:

• Processing loan applications and assessing creditworthiness
• Verifying your identity and conducting due diligence checks
• Communicating with you about your application and account
• Complying with legal and regulatory requirements
• Preventing fraud and ensuring security
• Improving our services and website functionality
• Sending promotional materials (only with your consent)

Information Sharing and Disclosure

We may share your information with:

• Financial Institutions: Banks and lenders for loan processing
• Credit Bureaus: For credit assessment purposes (CCRIS, CTOS)
• Service Providers: Third-party vendors who assist in operations
• Legal Authorities: When required by law or court order
• Professional Advisors: Legal and financial consultants

We do not sell your personal information to third parties.

Data Security

We implement appropriate technical and organizational measures to protect your personal information, including:

• Encryption of data in transit and at rest
• Secure servers and access controls
• Regular security audits and updates
• Employee training on data protection
• Confidentiality agreements with third parties

However, no method of transmission over the internet is 100% secure. We cannot guarantee absolute security but strive to use commercially acceptable means to protect your data.

Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required by law. Typically:

• Active customer records: Duration of relationship + 7 years
• Loan application records: 7 years from application date
• Marketing data: Until you withdraw consent

Your Rights

Under the PDPA, you have the right to:

• Access: Request a copy of your personal data we hold
• Correction: Request correction of inaccurate information
• Withdrawal: Withdraw consent for processing (where applicable)
• Limit Processing: Request limitation on how we use your data
• Data Portability: Request transfer of data to another service
• Complaint: Lodge a complaint with the Personal Data Protection Commissioner

To exercise these rights, contact us at hello@mypinjamcredit.com

Cookies Policy

We use cookies and similar technologies to enhance your browsing experience. You can control cookies through your browser settings. Note that disabling cookies may affect website functionality.

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies.

Children's Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children.

Updates to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated revision date. Significant changes will be communicated via email or prominent notice on our website.

Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please contact: