This Privacy Policy informs you of our policies on your privacy rights in respect of how we collect, use, maintain and disclose your information when you use the Site. This Privacy Policy applies to all information we process in relation to your relationship with us as a customer or potential customer.

When using the Site, we may ask you to provide us with certain personally identifiable information that can be linked to you or that may be used to contact or identify you.

Identifiable information refers to any information directly or indirectly related to an individual, identified or identified from that information or from that information and other information in Credilab's possession ("Personal Data").

The types of Personal Data we collect include, but are not limited to name, address, other details of information, age, occupation, marital status, financial information such as your income, or income tax details of your identity card or passport, place of birth, credit history and your transaction history.

We may require a photograph of your Personal Data, as may apply, during the application process or while the loan is still active, to verify all the information you provide to us.

We reserve the right, by giving you prior notice, to amend the type of Personal Data you may need to provide by adding new components or deleting existing components from our necessary identification procedures from time to time.

Please note that if you use our Site or Services on behalf of others, such as family, friends or employees, you should ensure that you are authorized to provide us with their Personal Data. Using the Site in this manner automatically assumes that you have obtained the correct consent from the owner of the Personal Data and has informed the person concerned about this Privacy Policy. We will not be responsible for the collection, use, storage, processing, disclosure of all Personal Data under this paragraph.

If you choose not to provide us with any Personal Information we require from you, or if you withdraw your consent, at any time during your use of our Services, against the collection, use, maintenance and disclosure of any Personal Data, as defined in this Privacy Policy, we reserve the right to decline your request, or the extension of any of our Services.

We obtain your Personal Data in a variety of ways, such as:

• When you sign up for our Services; and/or
• When you contact Credilab through various methods such as application forms, emails and letters, phone calls and conversations you have with Credilab staff. If you contact us or we contact you by phone, we may monitor or record phone calls for quality assurance, training and safety purposes; and/or
• From our analysis of your transactions (e.g., payment or loan history) and/or;
• We may also obtain your Personal Data when you participate in customer questionnaires or when you register for any of our Services; and/or
• When We obtain any data and information from third parties (e.g. credit reference agencies, regulatory and enforcement agencies, employers, joint account holders, guarantors, legal representatives, spouses, parents, guardians, dependents and/or companies/partnerships in which you hold directorships, shareholdings or partnerships in); and/or
• From publicly available sources.

1. IP

Address IP address is a number that is automatically placed to your computer when you register with an internet provider. When you visit our website, your IP address is automatically logged into our servers. We use your IP address to help diagnose problems with our servers, and to administer our website. From your IP address, we can identify the general geographic area from which you access our website. Generally, we do not link your IP address to anything that allows us to identify you unless it is required by law and regulation.

2. Information about

Cookies Cookies is an element of data sent by the website to your browser, which is then stored into your system ("Cookies"). We may use Cookies or similar technologies on your computer or other devices to record information. The information we collect is then used to ensure a more personal level of service for our users. You can adjust the settings on your browser so that you will be notified when you receive cookies. Please refer to your browser documentation to check whether Cookies are enabled on your computer or ask not to accept Cookies. You are free to refuse our Cookies on your computer or other device, unless our Cookies are required to prevent fraud or ensure the security of the websites we control. However, your use of the Site may be limited if you do not accept our Cookies.

The Personal Data we collect from you will be used to enable us to perform the Services requested from us. We may use your Personal Information to: -

• To evaluate your application for our Services;
• To facilitate the use of the Website Services, and/or access to the registration of your Site account, if any;
• To verify your identity and contact details;
• To verify your financial position through credit reference checks;
• To process transactions and send notices about your transactions;
• To contact you and update you about the performance of our Services;
• To communicate with you and process your request;
• To offer surveys, promotions, and marketing communications;
• To improve the content and layout of our website;
• To improve our Services;
• To provide electronic funds transfer services, credit card account processing and related services;
• To contact the personal references provided to verify the accuracy of the information and coordinate the client's identity and personal circumstances;
• To respond to any queries, comments or concerns about our Services;
• Provide customer support;
• To collect problematic accounts;
• To exercise Credilab's legal rights to protect its interests;
• To assess your financial needs and continue to carry out the contractual obligations made between Credilab and you;
• For internal functions such as assessing the effectiveness of marketing, market research, statistical analysis and modeling, reporting, auditing and risk management;
• To prevent fraud or criminal detection or for investigative purposes; and/or
• Other stated and valid purposes that have been previously determined and declared, or immediately reasonably practicable after the collection of Personal Information; and/or

In addition, we may also use your Personal Data to meet any regulatory and other reasons related to providing you with the Services you need and fulfill any transactions you have entered into with Credilab.

Please note that we do not share your Personal Data with any third parties for their business purposes, for example, including without limitation, marketing and advertising without your verbal consent and consent.

We may use third-party companies and individuals to facilitate our Services, to provide the Services on our behalf, to perform actions related to the services or to assist us in analyzing how our Services are used, or to assist us in the collection of problematic accounts.

These third parties have access to your Personal Data only to perform these duties on our behalf and are obliged not to disclose, use, or store your Personal Data for any other purpose.

We may disclose your Personal Data with third parties, including, but not limited to, the following entities:

1. Affiliates and/or Credilab's corporate family members, including Credilab's direct and indirect subsidiaries, to help provide the Services listed on the Site, to help detect and prevent unlawful actions and violations of our policies, and to provide proper data analysis of the use of the Site, including marketing communications
2. Legal Courts, government officials, law enforcement, or other regulators in relation to subpoenas, court orders, or other legal processes or requirements under Malaysian law or regulation, when we need to do so to comply with those laws or regulations, or when we believe, in our sole discretion, that disclosure of Personal Data is necessary to prevent physical loss or financial loss , or report illegal activity or investigate violations of our terms and conditions
3. Credit bureaus and collection agencies to report account information, as permitted by law.
4. Customer support for customer service purposes
5. Banking or financial partners, as permitted by law or as required by contractual business relationships
6. Legal departments, to ensure compliance with government regulations and laws and to protect us from harm to the rights, property or safety of, other users of the Site or the public, as required or permitted by law
7. Service Providers, to enable service providers under contract with us to support our business operations, such as fraud prevention, billing collection, marketing, customer service and technology services.

Please note that some of these third parties may be located in other countries with different rules and laws for processing personal information. By agreeing to this Privacy Policy, you acknowledge that your Personal Data may be transferred across borders to other countries and you agree to such transfers including for storage purposes.

Use of the Site is not intended for persons under the age of 18 and we will not knowingly collect, use, provide or process any other form of personal information of a person under the age of 18.

Therefore, we also ask that you, if you are under the age of 18, DO NOT send your personal information (e.g. your name, address and email address). If you are under the age of 18 and you would still like to inquire or use the website in any way that requires you to submit your personal information, please ask your parent or guardian to do so on your behalf.

If you wish to review, amend or delete any Personal Data you have provided to us, please contact us immediately using our contact information listed below.

We will only retain your personal data for as long as necessary to fulfill the purposes for which it was collected or comply with legal, regulatory and internal requirements. After that, we will periodically dispose or delete your data in a secure manner and in accordance with applicable laws and regulations, after such Personal Data is no longer required and no longer relevant to our Services, unless applicable laws and regulations require otherwise, or unless requested by the user in writing.

The security of your Personal Data is our priority. Except as set forth in this Privacy Policy, we do not disclose your Personal Data to third parties without your express consent. Furthermore, we take all reasonable procedures and do our best to ensure that all Personal Data received will be kept confidential and secure, either online or offline. We protect your Personal Data using a variety of technical and administrative security measures to reduce the risk of loss, misuse, unauthorized access, disclosure and alteration. We may use and amend over time various security measures, such as new technologies available, as appropriate, such as firewalls and data encryption, access controls to data centers. If we disclose any of your Personal Data to our authorised agents or service providers, we will ensure they maintain the Personal Data provided to them accordingly.

We may offer you the ability to connect with our Services using mobile devices, either through the mobile app or through the mobile website. The provisions of this Privacy Policy apply to all mobile device access and use of such mobile devices.

To further enhance the privacy of your Personal Data, we advise keeping your account information confidential at all times.

The Website may contain links to other sites that are not operated by us. If you click on a third-party link, you will be taken back to that third party site. We advise you to review the Privacy Policy of each site you visit. We have no control over, and are not responsible for the content, privacy policy or practices of any third-party links or services.

We are committed to ensuring that the Personal Data we hold about you is accurate, complete, not misleading and up-to-date. If there are any changes to your Personal Data or if you believe the Personal Data we have about you is inaccurate, incomplete, misleading or not current, please contact us so that we can take steps to update your Personal Data.

You have the right to access your Personal Data. If you wish to request access to your Personal Data, please contact us. Please note that depending on the information requested, we may charge [a small fee]. We may also take steps to verify your identity before fulfilling your request to access your Personal Data.

Please note that we may update our Privacy Policy from time to time. We may amend this Privacy Policy at any time by posting the revised version on the Site. You are advised to check this Privacy Policy periodically for up-to-date information. Changes to this Privacy Policy take effect from the date of posting. In the event of a material change to this Privacy Policy, we will notify you by posting notice of such changes on our Website or by sending you a notification directly. By continuing to use our Services, you accept and agree to the latest terms of this Privacy Policy.
This Privacy Policy was last updated in November 2018.

If you believe your account or any of your Personal Data may have been used and, or if you believe that the security and protection of your Personal Data may have been compromised, you may make your inquiries and complaints to the Contact Information below and briefly discuss the matter, together with the details of your information as a reference.

Therefore, if you have questions or questions about this Privacy Policy, or if you wish to ask or request information about any matter relating to the processing of your Personal Data, you may contact us via the following information:

Email: info@credilab.my

Contact Number: 1300 880 777

Address: B02-D-17, KL Eco City, 3 Jalan Bangsar, 59200 Kuala Lumpur