Privacy Policy
Effective Date: [INSERT DATE]
Last Updated: [INSERT DATE]
SmartPinjam ("we", "us", or "our") is committed to protecting your personal data in accordance with the Personal Data Protection Act 2010 (PDPA) of Malaysia, including the 2024 amendments.
1. WHO WE ARE
SmartPinjam is a financial tools platform operated by [COMPANY NAME], registered in Malaysia (Company No: [XXX]). We are registered as a data user with the Personal Data Protection Commissioner (PDPC) under the class of [Financial/Services].
For data-related enquiries, contact our Data Protection Officer (DPO):
Email: [email protected]
Address: [INSERT ADDRESS]
2. WHAT DATA WE COLLECT
We collect the following types of data:
a) Data you enter into our calculators (not stored):
- Monthly income
- Monthly financial commitments
- Age and employment type
- Credit card balances and interest rates
This data is used only within your browser session to generate your estimates. It is NOT transmitted to our servers or stored.
b) Data you voluntarily provide when contacting us:
- Name
- Phone number / WhatsApp number
- Email address
This data is collected when you choose to reach out to us via our contact form, WhatsApp, or the notification sign-up.
3. WHY WE COLLECT YOUR DATA
We collect and process your data for the following purposes:
- To respond to your enquiries and connect you with appropriate financing options
- To send you updates you have subscribed to (e.g. product launch notifications)
- To improve our tools and services
- To comply with our legal obligations
We will not use your data for any purpose beyond those listed without obtaining your separate consent.
4. HOW WE SHARE YOUR DATA
We do not sell your personal data. We may share your data with:
a) Licensed financing providers
Only when you explicitly request to be connected to them and have provided separate consent for that transfer. We will always disclose which provider your data is being shared with before any transfer takes place.
b) Service providers acting on our behalf
(e.g. email delivery, web hosting) — bound by data processing agreements and prohibited from using your data for their own purposes.
c) Regulatory authorities
Where required by law.
5. REFERRAL FEES
SmartPinjam may earn a referral fee from financing providers when you successfully obtain a financing product through our platform. This fee is paid by the provider and does not affect the rates or terms offered to you. We will always disclose this at the point of referral.
6. YOUR RIGHTS UNDER PDPA
You have the right to:
- Access the personal data we hold about you
- Correct inaccurate personal data
- Withdraw consent for data processing
- Request deletion of your personal data
- Limit the processing of your personal data
- File a complaint with the PDPC
To exercise any of these rights, email: [email protected]
We will respond within 21 days.
7. DATA SECURITY
We implement industry-standard security measures including TLS encryption for data in transit and access controls for any data stored on our systems. In the event of a data breach affecting your personal data, we will notify you and the PDPC in accordance with the PDPA 2024 amendment requirements.
8. COOKIES
We use essential cookies to operate the website and, with your consent, analytics cookies to understand how visitors use our tools. You can manage your cookie preferences via the cookie banner on your first visit.
9. CHANGES TO THIS POLICY
We may update this policy from time to time. We will notify registered users of material changes by email. Continued use of the platform after changes take effect constitutes acceptance of the updated policy.
10. CONTACT US
SmartPinjam / [COMPANY NAME]
[ADDRESS]
Email: [email protected]
DPO: [email protected]