Effective Date: June 2026
Developer & Company: berbakti kiw
Contact Email: hijrahpulsa.com@gmail.com
This Privacy Policy applies to the KreditMy mobile application (“App”), a digital lending platform for Malaysian users. It explains how we collect, use, store, protect, and disclose your personal information when you use our loan application, progress tracking, and repayment management services, in compliance with Google Play and local data protection requirements.
1. Information We Collect
We only collect necessary information to provide and optimize our lending services:
- Personal Identification Data: Basic user information submitted during loan application for identity verification and eligibility review.
- Financial Data: Loan application records, loan amount, repayment records, and related transaction information generated on the App.
- Device & Usage Data: Anonymous device information, App operation logs, and service usage records to ensure platform security and normal operation.
2. Use of Collected Information
All collected data is solely used for the following purposes:
- Process and verify your personal loan applications;
- Track application progress and provide repayment management services;
- Calculate loan interest, generate repayment bills, and complete service settlement;
- Maintain platform security, prevent fraudulent transactions, and optimize user service experience.
3. Data Storage & Security
KreditMy adopts industry-standard encryption and security measures to protect your personal and financial data from unauthorized access, disclosure, alteration or destruction. We only retain user data for the period necessary to fulfill the service purposes and legal compliance requirements. After the service is completed or the data retention period expires, we will securely delete or anonymize your data.
4. Data Sharing & Disclosure
We do not sell, rent or trade your personal data to third parties for commercial purposes. We may only disclose your data when required by Malaysian laws, court orders or government regulatory requirements, or with your explicit consent.
5. User Rights
You have the right to access, review, correct your personal information, and apply for data deletion within the scope of legal provisions. For any privacy-related inquiries or requests, please contact us via the official email: hijrahpulsa.com@gmail.com.