Privacy Policy
Last Updated: January 2025
1. Introduction
Mudah Credit Resources Sdn. Bhd. ("we", "us", or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information in compliance with Malaysia's Personal Data Protection Act 2010 (PDPA).
2. Information We Collect
We collect personal information that you provide directly to us, including: • Personal identification information (name, IC number, date of birth) • Contact information (email address, phone number, residential address) • Financial information (income, employment details, bank account information) • Credit information and history • Documentation (IC copy, bank statements, payslips, utility bills) • Application and loan history • Communication records with our company
3. How We Use Your Information
We use your personal information for the following purposes: • Processing and evaluating your loan application • Verifying your identity and conducting credit checks • Communicating with you about your application and loan • Managing and servicing your loan account • Complying with legal and regulatory requirements • Preventing fraud and unauthorized activities • Improving our services and customer experience • Sending promotional materials (with your consent)
4. Data Sharing and Disclosure
We may share your personal information with: • Credit reference agencies and bureaus (CTOS, CCRIS) • Our service providers and business partners who assist in our operations • Legal and regulatory authorities as required by law • Professional advisors (lawyers, auditors, consultants) • Debt collection agencies (if necessary) We do not sell your personal information to third parties.
5. Data Security
We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, disclosure, alteration, or destruction. These measures include: • Encryption of sensitive data • Secure servers and firewalls • Access controls and authentication • Regular security assessments • Staff training on data protection However, no method of transmission over the internet is 100% secure.
6. Data Retention
We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, comply with legal obligations, resolve disputes, and enforce our agreements. Typically, we retain loan-related information for 7 years after loan closure, as required by Malaysian financial regulations.
7. Your Rights
Under the PDPA, you have the right to: • Access your personal data held by us • Correct any inaccurate or incomplete data • Limit the processing of your data • Withdraw consent for processing • Request deletion of your data (subject to legal requirements) • Lodge a complaint with the Personal Data Protection Commissioner To exercise these rights, please contact us using the details below.
8. Cookies and Tracking
Our website uses cookies and similar technologies to improve user experience, analyze website traffic, and deliver personalized content. You can control cookie settings through your browser preferences. However, disabling cookies may affect website functionality.
9. 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 before providing any personal information.
10. Changes to This Policy
We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated "Last Updated" date. We encourage you to review this policy periodically to stay informed about how we protect your information.
11. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us: Mudah Credit Resources Sdn. Bhd. Email: privacy@mudahcredit.com Phone: +60 3-XXXX XXXX Address: Kuala Lumpur, Federal Territory, Malaysia