1. Introduction

We are committed to protecting your privacy. This Privacy Policy explains how we collect, use, and protect your personal information when you apply for a loan or use our services.

2. Information We Collect

We may collect the following types of information:

• Name, IC number/passport number, contact number, email address, and residential address
• Employment details, monthly income, and financial information
• Bank account details and credit history
• Loan amount, repayment period, and loan purpose
• Supporting documents (IC copies, payslips, bank statements)
• Website usage data (e.g., cookies and IP addresses)

3. How We Use Your Information

We use your information to:

• Process and assess your loan application
• Verify your identity and prevent fraud
• Determine loan eligibility, interest rates, and repayment terms
• Manage loan disbursement and repayment collection
• Respond to your inquiries and provide customer support
• Send loan statements, payment reminders, and important notices
• Improve our services and website functionality
• Comply with legal and regulatory requirements

We do not sell, rent, or share your personal data with third parties for marketing purposes without your consent.

4. Information Sharing

We may share your information with:

• Credit Reference Agencies: To assess your creditworthiness and verify your financial history
• Payment Processors: To facilitate loan disbursement and repayment transactions
• Legal Authorities: When required by law or to comply with regulatory obligations
• Service Providers: Trusted third-party providers who assist with loan processing, verification, and collection services

All third parties are contractually obligated to protect your information and may only use it for authorized purposes.

5. Data Security

We take reasonable technical and organizational measures to safeguard your information against unauthorized access, disclosure, loss, or misuse. This includes:

• Encryption of sensitive data during transmission
• Secure storage with restricted access controls
• Regular security assessments and updates
• Staff training on data protection and confidentiality

While we implement industry-standard security measures, no method of transmission or storage is 100% secure. We cannot guarantee absolute security but are committed to protecting your information.

6. Cookies

Our website uses cookies to enhance your browsing experience and analyze website usage. You can choose to disable cookies in your browser settings, but some features may not function properly.

7. Data Retention

We retain your personal information only as long as necessary for fulfilling the purposes described in this policy, or as required by law. Generally:

• Active loan records are kept throughout the loan period and for a minimum of 7 years after final repayment
• Declined applications are retained for up to 2 years
• Other records are kept as required by Malaysian financial regulations

8. Your Rights

Under the Personal Data Protection Act 2010 (PDPA) of Malaysia, you have the right to:

• Access your personal data held by us
• Request correction of inaccurate or incomplete data
• Withdraw consent for data processing (where applicable)
• Limit processing for marketing purposes
• Request data portability in certain circumstances

To exercise these rights, please contact us using the details below. We will respond to your request within 21 days as required by law.

9. Third-Party Services

We may use trusted third-party services (such as credit bureaus, payment gateways, and verification providers) to support our loan operations. These services are obligated to protect your data in accordance with applicable laws and our contractual agreements.

10. Children’s Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from minors. If we become aware of such collection, we will take immediate steps to delete the information.

11. Policy Updates

We reserve the right to update this Privacy Policy at any time to reflect changes in our practices or legal requirements. Material changes will be communicated through:

• A notice on our website with the updated “Last Modified” date
• Email notification for significant changes

Your continued use of our services after any changes indicates your acceptance of the updated Privacy Policy.

Contact Us

If you have any questions or concerns about this Privacy Policy or wish to exercise your rights, please contact us:

Email: support@flexifundcapital.com