Terms of Service

1. Agreement to Terms

By accessing and using the services of MyPinjam Credit (MyPinjam Credit), you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using our services.

2. Services Description

MyPinjam Credit provides loan services and intermediary services connecting borrowers with licensed financial institutions. We do not directly provide loans but facilitate the loan application process.

3. Eligibility Requirements

To use our services, you must:

• Be at least 21 years of age
• Be a Malaysian citizen or permanent resident
• Have legal capacity to enter into binding contracts
• Provide accurate and complete information
• Not be subject to bankruptcy proceedings

4. Application Process

5. Fees and Charges

All fees and charges will be clearly disclosed before you enter into any loan agreement. These may include:

• Interest charges (as per agreed rate)
• Processing fees (if applicable)
• Stamp duty (as required by law)
• Late payment charges (if applicable)
• Early settlement fees (if applicable)

We do not charge fees for loan applications that are not approved.

6. Loan Agreements

Upon loan approval, you will enter into a separate loan agreement with the lending institution. You are responsible for reading and understanding all terms before signing. The loan agreement will govern your obligations as a borrower.

7. Repayment Obligations

8. Website Use

You agree not to:

• Use the website for any unlawful purpose
• Attempt to gain unauthorized access to our systems
• Interfere with the website's functionality
• Upload malicious code or viruses
• Harvest or collect user data without permission
• Impersonate another person or entity

9. Intellectual Property

All content on this website, including text, graphics, logos, and software, is the property of MyPinjam Credit or its licensors and is protected by Malaysian and international intellectual property laws.

You may not reproduce, distribute, modify, or create derivative works without our express written permission.

10. Privacy and Data Protection

Your use of our services is also governed by our Privacy Policy. By using our services, you consent to the collection and use of your information as described in the Privacy Policy.

11. Limitation of Liability

To the fullest extent permitted by law:

• We are not liable for loan approval or rejection decisions made by lenders
• We do not guarantee specific loan terms or interest rates
• We are not responsible for delays caused by third parties
• We are not liable for indirect, consequential, or punitive damages

Our total liability shall not exceed the fees paid by you for our services.

12. Disclaimer of Warranties

Our services are provided "as is" without warranties of any kind, either express or implied. We do not warrant that our services will be uninterrupted, error-free, or secure.

13. Indemnification

You agree to indemnify and hold harmless MyPinjam Credit, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from:

• Your violation of these Terms of Service
• Your violation of any laws or regulations
• Your provision of false or misleading information
• Your infringement of third-party rights

14. Termination

We reserve the right to terminate or suspend your access to our services at any time, without notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties.

15. Governing Law

These Terms of Service are governed by the laws of Malaysia. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the Malaysian courts.

16. Changes to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to the website. Your continued use of our services after changes constitutes acceptance of the modified terms.

17. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these Terms will otherwise remain in full force and effect.

18. Contact Information

For questions about these Terms of Service, please contact: