Effective Date: September 01, 2026
Service Provider: Omnistride
Registered Address: 119, Jalan Shamelin Niaga 131300 Kampung Kepayang Perak
Contact Email: ayt8ac9v@outlook.com
This Privacy Policy is formulated in accordance with the Malaysian Personal Data Protection Act 2010 and Google Play application compliance rules, aiming to standardize the collection, use, storage and protection of user personal information by the Cek Loan MY platform. Cek Loan MY is a pure loan intermediary matching platform, we do not provide loan funds, do not independently approve loans, and do not undertake any lending responsibilities. This policy applies to all users who register and use our App services. By registering and using the platform, you fully agree to the terms of this Privacy Policy.
This platform is only open to adult users aged 18 years and above. Minors are prohibited from registering accounts, submitting information and using all platform financial matching services. Users confirm that they are of legal age and have full civil capacity when using the service.
We attach great importance to the privacy protection of minors under 18 years old, and clearly stipulate the following rules:
3.1 The platform will not actively collect, store, process or disclose any personal information of minors under 18;
3.2 If we accidentally obtain the personal information of minors due to user misoperation or other reasons, we will take the initiative to permanently delete and clear the relevant data within 24 hours;
3.3 If you find that our platform has collected minor information by mistake, please contact us through the official email in a timely manner, and we will complete data deletion and rectification immediately;
3.4 No service rights of this platform are granted to minors, and we reserve the right to block and clean up minor accounts.
In order to complete account verification, credit evaluation and accurate loan matching services, we only collect the personal information voluntarily submitted by users during registration and use, including but not limited to:
4.1 Basic identity information: mobile phone number, full name, gender, age, residential address, email address;
4.2 Emergency contact information: emergency contact name and contact information provided by users voluntarily;
4.3 Financial and work information: user work information, bank account information, personal financial status and other information required for loan matching;
4.4 Platform usage data: integrate Adjust third-party statistical tools to anonymously collect app operation data, device usage data and user behavior data, only for platform operation optimization and fault analysis.
All collected user information is only used for the following legitimate service purposes, and will not be used for any illegal or irrelevant scenarios:
5.1 Complete user account registration, identity verification and account maintenance management;
5.2 Conduct user credit condition evaluation to realize accurate matching of loan products;
5.3 Push platform service notifications and loan matching progress reminders;
5.4 Use Adjust statistical data to analyze platform operation status, optimize product functions and user experience, and repair system faults;
5.5 Comply with Malaysian local legal and regulatory requirements and platform service obligations.
This App integrates Adjust, a professional third-party data statistical tool. Adjust only collects anonymous device data and app usage behavior data, which is used for platform operation analysis and performance optimization. Adjust will not collect, record or obtain users' personal identifiable private information, and all statistical data are desensitized and anonymous data, which will not involve user privacy leakage.
We solemnly promise: we will never sell, rent, disclose or share users' personal private information with any irrelevant third-party institutions, enterprises or individuals for commercial marketing, promotion or other purposes.
Only when users take the initiative to apply for loan matching, we will synchronize the necessary application information to the formal cooperative lending institution designated by the system to complete the loan matching service required by the user. All information synchronization is based on the user's active service application, and no private information will be shared without user authorization.
We adopt industry-standard data encryption technology, server security protection and access permission management mechanisms to fully protect user personal data. We strictly control internal data access permissions to prevent unauthorized access, disclosure, tampering and deletion of user information. At the same time, we regularly maintain and upgrade the system to ensure the security and stability of user data storage.
It is hereby explained that no network data transmission system can achieve 100% absolute security. We will always adhere to the highest security standards to protect your personal privacy information.
Users enjoy the following legitimate rights to personal data in accordance with local laws and regulations:
9.1 Access right: you can query your personal information stored on our platform;
9.2 Correction right: you can apply for correction of inaccurate or wrong personal information;
9.3 Deletion right: you can apply for account cancellation and permanent deletion of personal data;
9.4 Consent withdrawal right: you can withdraw your consent to data processing at any time;
9.5 Inquiry right: you can consult us about the scope, purpose and processing rules of data collection.
Users can submit all data rights applications through the official contact email, and we will reply and process them within 3 working days.
We will retain your personal information only during the valid period of your account and the service matching cycle. After the user cancels the account or completes the loan matching service and exceeds the valid retention period required by law, we will permanently delete or anonymize the user's personal data in accordance with regulatory requirements, and no longer retain or use it.
Omnistride reserves the right to update and revise this Privacy Policy according to business adjustments and legal regulatory updates. After the policy is updated, it will take effect immediately after being published on the App. We will remind users of the update through in-app notifications. Continued use of the platform's services after the update means recognition and acceptance of the new policy terms.
If you have any questions, suggestions or privacy-related complaints about this Privacy Policy and our data processing behavior, please contact us through the official channel:
Email: ayt8ac9v@outlook.com
Address: 119, Jalan Shamelin Niaga 131300 Kampung Kepayang Perak