This Privacy Policy governs the collection, use, storage, and disclosure of your personal information by PinjamTok Sdn Bhd ("we", "us", "our") when you use the PinjamTok mobile application (the "App") and our related services (collectively, the "Services"). By downloading, installing, and using the App and Services, you acknowledge that you have read, understood, and agree to the terms of this Privacy Policy, including our collection and use of your personal information as described herein. This Privacy Policy complies with Google Play’s Policies, Malaysia’s Personal Data Protection Act 2010 (PDPA), and other applicable data protection laws and regulations.
1. Information We Collect
We collect personal information that you provide to us voluntarily, as well as information automatically collected when you use the App and Services, all of which is necessary to provide, improve, and secure our loan services. We do not collect any sensitive permissions prohibited by Google Play’s Financial Services Policy, including but not limited to read_contacts, access_fine_location, read_external_storage, and write_external_storage.
1.1 Personal Information You Provide
To use our Services (including applying for a loan), you will need to provide the following personal information, which aligns with our eligibility requirements and loan application process:
- Basic Identification Information: Full name, date of birth (to verify you are 21 years or older), Malaysian citizenship status, and valid MY-Kad number (to confirm your identity as a Malaysian citizen).
- Contact Information: Working mobile phone number (to create your account, send verification codes, and communicate with you regarding your loan application and repayment).
- Financial Information: Stable monthly income details (whether salaried or self-employed) to assess your repayment ability and conduct intelligent risk assessment, as well as bank account information (to transfer approved loan funds and process repayments).
- Other Information: Any additional information you voluntarily provide when contacting our customer support or using other features of the App.
1.2 Automatically Collected Information
When you use the App, we may automatically collect certain non-identifiable or de-identified information to improve the performance and security of our Services, including:
- Device Information: Type of mobile device, operating system version, device ID, and app version (to ensure the App functions properly on your device).
- Usage Data: Information about how you use the App, such as the features you access, the time and frequency of your usage, and your interaction with our loan application process (to optimize the user experience and enhance our Services).
- Security Data: Information related to your App sessions, such as login times and IP address (to detect and prevent fraud, unauthorized access, and ensure the security of your account).
2. How We Use Your Information
We use your personal information solely for the purposes of providing, maintaining, and improving our Services, complying with legal obligations, and ensuring the security of our platform and users. Specifically, we use your information for the following purposes:
- Process Loan Applications: To verify your eligibility (e.g., age, citizenship, income), conduct intelligent risk assessment, and review and approve your loan requests in accordance with our transparent lending criteria.
- Disburse Funds and Process Repayments: To transfer approved loan amounts to your provided bank account and process your loan repayments (including calculating interest in line with our maximum 18% per annum APR).
- Communicate with You: To send you important updates about your loan (e.g., approval status, repayment reminders), respond to your inquiries, and provide information about changes to our Services or this Privacy Policy.
- Enhance Security and Prevent Fraud: To protect your personal and financial information, detect and prevent fraudulent activities, and ensure compliance with our security protocols (including bank-level encryption).
- Improve Our Services: To analyze usage patterns, identify areas for improvement, and enhance the speed, efficiency, and user-friendliness of the App and our loan services.
- Comply with Legal Obligations: To meet applicable laws, regulations, and regulatory requirements in Malaysia, including responding to lawful requests from regulatory authorities.
3. Disclosure of Your Information
We respect your privacy and will never share, sell, rent, or disclose your personal information to any third party without your explicit consent, except in the following limited circumstances:
- Service Providers: We may share your information with trusted third-party service providers who assist us in providing our Services (e.g., payment processors to handle fund transfers and repayments, identity verification services to confirm your MY-Kad, and cloud storage providers to securely store your data). These service providers are contractually obligated to protect your personal information and may only use it for the purposes of providing services to us.
- Legal and Regulatory Requirements: We may disclose your information if required by law, regulation, or legal process (e.g., a court order or subpoena) to comply with our legal obligations or protect the rights, safety, and property of PinjamTok Sdn Bhd, our users, or the public.
- Fraud Prevention and Security: We may disclose your information to law enforcement agencies or other relevant authorities to investigate, prevent, or take action against fraudulent activities, unauthorized access, or other illegal acts.
- Business Transfers: In the event of a merger, acquisition, sale of assets, or other business transfer, your personal information may be transferred to the acquiring entity, provided that the acquiring entity agrees to comply with this Privacy Policy.
4. Data Security
Your privacy and security are our top priorities. We implement industry-standard security measures to protect your personal information from unauthorized access, use, disclosure, alteration, or destruction, including:
- Bank-Level Encryption: We use 256-bit SSL encryption (or equivalent) to secure the transmission of your personal and financial information between your device and our servers, ensuring that your data remains confidential during transfer.
- Secure Storage: Your personal information is stored on secure servers with restricted access, protected by firewalls and other advanced security technologies. We regularly review and update our security measures to address emerging threats.
- Identity Verification: We use secure identity verification processes to confirm your identity and prevent unauthorized access to your account.
- Employee Access Controls: Only authorized employees who need access to your personal information to perform their job functions are granted access, and they are required to comply with our strict privacy and security policies.
While we take all reasonable measures to protect your personal information, no method of transmission or storage is 100% secure. We cannot guarantee absolute security, but we commit to continuously improving our security practices to minimize risks.
5. Data Retention
We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, comply with our legal obligations, resolve disputes, and enforce our agreements. Once your personal information is no longer needed, we will securely delete or anonymize it in accordance with Malaysia’s PDPA and other applicable laws.
Specifically, we will retain your loan-related information (including application details, repayment history, and income information) for the duration of your loan term plus the period required by law to comply with regulatory and tax obligations. After this period, we will delete or anonymize your information.
6. Your Rights
Under Malaysia’s PDPA and other applicable data protection laws, you have certain rights regarding your personal information, including:
- Right to Access: You have the right to request access to the personal information we hold about you and to receive a copy of such information.
- Right to Correct: You have the right to request correction of any inaccurate or incomplete personal information we hold about you.
- Right to Withdraw Consent: You have the right to withdraw your consent to our collection, use, or disclosure of your personal information, except where such consent is required by law or to fulfill our contractual obligations to you (e.g., processing your loan application).
- Right to Erasure: You have the right to request the erasure of your personal information, subject to certain exceptions (e.g., if we are required to retain it for legal purposes).
To exercise any of these rights, please contact us at the email address provided below. We will respond to your request within a reasonable timeframe in accordance with applicable laws.
7. Children’s Privacy
Our Services are not intended for use by individuals under the age of 21 (as required by our eligibility criteria). We do not knowingly collect personal information from children under the age of 21. If we become aware that we have collected personal information from a child under 21 without parental consent, we will immediately delete such information.
8. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our Services, applicable laws, or Google Play’s Policies. When we make changes, we will update the "Effective Date" at the top of this Policy and notify you through the App or via your provided mobile phone number or email address. We encourage you to review this Privacy Policy regularly to stay informed about how we are protecting your personal information.
9. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy, your personal information, or our data practices, please contact us at:
PinjamTok Sdn Bhd
Email: sailacegames@gmail.com