Amanah Best Credit ("we," "us," or "our") is committed to protecting your personal data in accordance with the Personal Data Protection Act 2010 (PDPA) of Malaysia. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you use our loan services and website.

1. Information We Collect

1.1 Personal Information

When you apply for loans or use our services, we collect:

Identity Information: Full name, IC/MyKad number, date of birth, nationality, gender, photograph
Contact Information: Email address, mobile phone number, residential address, mailing address
Financial Information: Monthly income, employment details, employer information, bank account details, credit history, existing loans and commitments
Supporting Documents: Payslips, bank statements, EPF statements, income tax forms (EA/BE), employment letters, utility bills
Loan Application Data: Loan amount requested, loan purpose, repayment period preferences

1.2 Automatically Collected Information

Device Information: IP address, browser type, device type, operating system
Usage Data: Pages visited, time spent on pages, links clicked, referring website
Cookies and Tracking: Session cookies, preference cookies, analytics cookies

2. How We Use Your Information

We process your personal data for the following purposes under the PDPA:

Loan Processing: Evaluate and process loan applications, verify eligibility, perform credit assessments
Identity Verification: Verify your identity to prevent fraud and ensure security
Communication: Send application updates, loan approval notifications, repayment reminders, customer service responses
Legal Compliance: Comply with Bank Negara Malaysia regulations, anti-money laundering laws, and other legal requirements
Risk Management: Assess credit risk, detect and prevent fraud, monitor payment behavior
Service Improvement: Analyze usage patterns, improve website functionality, enhance customer experience
Marketing (with consent): Send promotional offers, product updates, newsletters (you may opt-out anytime)

3. Information Security & Protection

We implement comprehensive security measures to protect your personal data:

Technical Measures

256-bit SSL/TLS encryption for data transmission
Encrypted database storage
Secure servers with firewall protection
Regular security audits and penetration testing

Organizational Measures

Strict access controls and authentication
Staff training on data protection
Confidentiality agreements for employees
Regular backup and disaster recovery plans

4. Information Sharing & Disclosure

We do not sell, trade, or rent your personal information. We may share your data with the following parties when necessary:

Credit Reference Agencies: CCRIS (Central Credit Reference Information System), CTOS, Experian for credit checks and reporting
Service Providers: IT service providers, payment processors, document verification services, cloud storage providers (all bound by confidentiality agreements)
Financial Institutions: Banks and financial partners for loan disbursement and collection
Legal & Regulatory Bodies: Bank Negara Malaysia, law enforcement agencies, courts when required by law or legal process
Professional Advisors: Lawyers, auditors, consultants who assist in our operations
Debt Collection Agencies: Only in cases of loan default, to recover outstanding amounts

5. Your Rights Under PDPA

Under the Personal Data Protection Act 2010, you have the following rights:

Right to Access

Request access to your personal data we hold and obtain copies

Right to Correction

Request correction of inaccurate or incomplete personal data

Right to Limit Processing

Object to processing of your data for direct marketing purposes

Right to Withdraw Consent

Withdraw consent for data processing where consent is the legal basis

Right to Complain

Lodge a complaint with the Personal Data Protection Commissioner if you believe your rights have been violated

Note: Some rights may be limited where we have a legal obligation to retain your data (e.g., for regulatory compliance or ongoing loan agreements).

6. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience:

Essential Cookies: Required for website functionality (cannot be disabled)
Performance Cookies: Google Analytics to understand how visitors use our site
Functional Cookies: Remember your preferences and settings
Marketing Cookies (with consent): Track conversions and deliver targeted advertising

You can control cookies through your browser settings. Disabling certain cookies may affect website functionality.

7. Data Retention

We retain your personal data only for as long as necessary to fulfill the purposes outlined in this policy, or as required by law:

Active loan applicationsDuration of loan + 7 years

Rejected applications3 years

Marketing communicationsUntil consent withdrawn

Website analytics26 months

Data is securely deleted or anonymized after the retention period expires, unless longer retention is required by law.

8. Cross-Border Data Transfers

Your personal data is primarily stored and processed within Malaysia. In cases where we transfer data outside Malaysia (e.g., to cloud service providers), we ensure adequate protection through:

Standard contractual clauses approved by the Personal Data Protection Commissioner
Transfers only to countries with adequate data protection laws
Your explicit consent for international transfers where required

9. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from minors. If you are a parent or guardian and believe your child has provided us with personal data, please contact us immediately.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. The "Last Updated" date at the top indicates when the policy was last revised. We will notify you of significant changes via email or prominent notice on our website. Your continued use of our services after such modifications constitutes acceptance of the updated policy.

11. Contact Us & Data Protection Officer

For any questions about this Privacy Policy, to exercise your rights, or to contact our Data Protection Officer:

Amanah Best Credit Sdn Bhd

Address: 123 Jalan Ampang, Kuala Lumpur, 50450, Malaysia

Email (Privacy): privacy@amanahbestcredit.com

Email (DPO): dpo@amanahbestcredit.com

Phone: +60 14-299 2867

Office Hours: Monday-Friday: 9:00 AM - 6:00 PM, Saturday: 9:00 AM - 1:00 PM

Personal Data Protection Commissioner:
If you are not satisfied with our response, you may contact the Personal Data Protection Commissioner at www.pdp.gov.my

By using our services and providing your personal information, you acknowledge that you have read, understood, and agree to this Privacy Policy and consent to the collection, use, and disclosure of your personal data as described herein, in accordance with the Personal Data Protection Act 2010.