Privacy Policy

Effective Date: March 25, 2026

Welcome to mypinjaman.loan ("Website", "we", "us", or "our"). We respect your privacy and are committed to protecting your personal data. This Privacy Policy explains how we collect, use, disclose, store, and protect your information when you access or use our Website and related services.

By using this Website, submitting an application, or providing your personal data to us, you agree to the practices described in this Privacy Policy.

1. Who We Are

mypinjaman.loan is an online platform that provides information about personal financing options and may connect users with third-party financial service providers, lenders, or partners. We do not guarantee approval of any application, and we may not be the direct lender for the products displayed on the Website.

2. Personal Data We Collect

We may collect and process the following categories of personal data:

• Full name
• Phone number
• Email address
• Identification details, including MyKad-related information where applicable
• Date of birth and age verification details
• Employment and income information
• Bank account details and related financial information
• Residential address and state/location details
• Information submitted through online forms, applications, chat, email, or other communication channels
• Technical data such as IP address, browser type, device type, operating system, referral source, and website usage data
• Verification-related information, including OTP, e-KYC, and supporting documents where required

3. How We Collect Your Data

We may collect your personal data in several ways, including:

• When you fill in a form or application on our Website
• When you contact us by email, phone, or through the Website
• When you upload documents or complete identity verification
• Automatically through cookies, analytics tools, and server logs
• From third-party partners, service providers, or verification providers where permitted by law

4. Purpose of Collection and Use

We may use your personal data for the following purposes:

• To process your request, enquiry, or application
• To match or refer you to third-party lenders, financing providers, or business partners
• To contact you regarding your application or requested services
• To verify your identity and supporting information
• To improve our Website, products, services, and user experience
• To personalize content, offers, and recommendations
• To conduct internal research, analytics, and performance monitoring
• To prevent fraud, misuse, unauthorized access, or other unlawful activity
• To comply with legal, regulatory, and compliance obligations
• To maintain business records and administrative operations

5. Disclosure to Third Parties

We may disclose your personal data to third parties where necessary for the purposes stated in this Privacy Policy, including:

• Lenders, financing providers, brokers, lead buyers, and financial partners
• Identity verification, e-KYC, fraud prevention, and technology service providers
• Hosting providers, analytics providers, CRM systems, call or messaging service providers
• Professional advisers, auditors, insurers, and legal consultants
• Government authorities, regulators, law enforcement agencies, or courts where required by law
• Any party involved in a merger, acquisition, restructuring, sale of assets, or similar corporate transaction

Where your data is shared with third-party partners, those parties may process your information in accordance with their own privacy policies and legal obligations.

6. Marketing and Communications

By submitting your information through the Website, you acknowledge that we and/or our partners may contact you regarding your enquiry, application, available financing options, service updates, or related promotional communications, where permitted by applicable law.

You may request to stop receiving marketing communications at any time by following the unsubscribe instructions in the communication or by contacting us directly.

7. Cookies and Tracking Technologies

We may use cookies, pixels, tags, scripts, and similar technologies to collect information about how you use the Website. These technologies help us:

• Remember user preferences
• Understand website traffic and visitor behaviour
• Improve website speed, functionality, and performance
• Measure the effectiveness of advertising and campaigns
• Provide more relevant content and offers

You may disable cookies through your browser settings. However, some parts of the Website may not function properly if cookies are disabled.

8. Data Security

We take reasonable administrative, technical, and organizational measures to protect your personal data against loss, misuse, unauthorized access, disclosure, alteration, or destruction. However, no website, server, or data transmission over the internet can be guaranteed to be completely secure.

9. Data Retention

We will retain your personal data only for as long as necessary to fulfill the purposes for which it was collected, including for legal, regulatory, operational, dispute resolution, and record-keeping purposes.

10. Access, Correction, and Your Rights

Subject to applicable law, including the Personal Data Protection Act 2010 of Malaysia ("PDPA"), you may have the right to request access to your personal data and request correction of inaccurate, incomplete, misleading, or outdated personal data held by us.

We may require reasonable verification of your identity before processing any request. In certain situations, we may refuse or limit your request where permitted by law.

11. Cross-Border Transfer

Your personal data may be stored, processed, or transferred to service providers or partners located outside Malaysia, where necessary for the purposes described in this Privacy Policy. Where such transfer occurs, we will take reasonable steps to ensure that your personal data is handled with an adequate level of protection consistent with applicable legal requirements.

12. Third-Party Websites

The Website may contain links to third-party websites, applications, or services. We are not responsible for the privacy practices, content, security, or policies of those third parties. You should review their privacy policies separately before providing any information to them.

13. Children’s Privacy

This Website is not intended for individuals under the age of 18, or any other minimum age required by applicable law to apply for financial products. We do not knowingly collect personal data from minors.

14. Changes to This Privacy Policy

We may revise or update this Privacy Policy from time to time. Any changes will be posted on this page with an updated Effective Date. Your continued use of the Website after any update constitutes your acceptance of the revised Privacy Policy.

15. Contact Us

If you have any questions, requests, or complaints regarding this Privacy Policy or the handling of your personal data, please contact us:

Email:

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Address: [Insert Business Address]