Effective Date: 20 August 2026
This Privacy Policy is formulated by OCLOUD SOLUTIONS (hereinafter referred to as "we", "us", "our") to explain the rules of collection, use, storage, protection and management of personal data of users when you use the TunaiPlus application (hereinafter referred to as the "App"). TunaiPlus is a professional loan intermediary matching platform, not a financial lending institution, and does not provide direct loan services.
By registering and using our App services, you fully confirm that you have read, understood and unconditionally agreed to all the terms of this Privacy Policy. If you do not agree to any terms of this policy, please immediately stop using our App and related services.
Service Operator: OCLOUD SOLUTIONS
Service Address: 261, Jalan Jejaka 950000 Kuala Lumpur Kuala Lumpur , Malaysia
Official Contact Email: je15r77m@outlook.com
In order to provide accurate loan matching services, we will voluntarily collect the personal information actively submitted by users during registration and use of the App, including but not limited to:
Account registration information: user mobile phone number, email address
Personal basic information: full name, gender, age, residential address
Emergency contact information: emergency contact name and contact details reserved by the user
Certification and attribute information: user personal identity attribute information
Financial and work information: user employment status, work information, personal financial status, bank account and related bank information
In addition, this App integrates the Adjust third-party data statistics tool, which will anonymously collect App operation data, device access data and usage behavior data, which does not involve any user real-name private personal information.
We only use the collected user personal information for the following legitimate service purposes, and will not use it for any illegal or irrelevant purposes:
Complete user account registration, authentication and account maintenance management
Carry out automatic user credit evaluation to screen and match appropriate loan product resources for users
Complete the docking and matching service between users and our cooperative institutions (Finroro、Fundora、Livin' by Mandiri、LoanMob)
Respond to user consultation, feedback and after-sales service needs
Optimize App functions and service experience through anonymous statistical data of Adjust tool
Comply with local Malaysian laws, regulations and regulatory requirements
Core Privacy Commitment: We strictly abide by user privacy protection rules, we will never sell, rent, trade or disclose users' private personal information to any unrelated third-party institutions, enterprises or individuals.
User personal data will only be shared with our official cooperative lending institutions on the premise of user authorization, which is necessary to complete the loan matching service. All cooperative institutions have signed strict privacy confidentiality agreements with us, and their data processing will comply with local privacy laws and regulations.
The Adjust third-party statistics tool only collects anonymous public operation data, does not obtain and store any user real-name personal information, and does not involve private data sharing.
We will store user personal information in compliance with Malaysian data security laws and regulations. We only retain user data within the time limit required for service completion and legal compliance. When the data is no longer needed for service purposes or legal requirements, we will take technical means to permanently delete and anonymize user personal data to avoid data leakage and misuse.
6.1 Age Usage Restriction
This App and all supporting services are only applicable to users aged 18 and above. Persons under 18 years old are strictly prohibited from registering and using this platform.
6.2 Children's Privacy Protection Clause (Independent Special Provision)
We attach great importance to the privacy protection of minors under the age of 18. We will not actively collect, store or use any personal information of minors under the age of 18. If you are a guardian of a minor, or you find that our platform has mistakenly collected personal information of minors without authorization, please contact us through the official email within a timely manner. We will verify the information immediately and completely delete all minor-related personal data in our system within the shortest time, and terminate the relevant service authorization.
In accordance with local Malaysian personal data protection laws, users enjoy the following rights for their personal information stored in our platform:
Right of access: you can inquire about your personal data stored by the platform
Right of correction: you can apply for correction of inaccurate or incomplete personal information
Right of deletion: you can apply for deletion of your account and all associated personal data
Right of withdrawal of consent: you can withdraw the authorization of personal data processing at any time (partial service functions will be unavailable after withdrawal)
All rights applications can be submitted through the official contact email, and we will reply and handle it within a reasonable working time.
The App only accesses the Adjust third-party statistics tool, which is used for anonymous data statistics and product optimization. The data processing of Adjust shall be subject to its official privacy policy. We are not responsible for the data behavior of Adjust’s anonymous statistics.
Our cooperative lending institutions are independent legal entities. After the user matches the loan product and connects with the cooperative institution, the subsequent data processing of the cooperative institution shall be subject to its independent privacy policy, and we will not bear joint responsibility.
We have the right to revise and update this Privacy Policy according to service adjustments and legal requirements. The updated policy will be displayed on the App page with the latest effective date. Continued use of the App after the policy update is deemed as your acceptance of the revised terms.
If you have any questions, disputes or rights protection needs about this Privacy Policy and personal data processing, please contact us through the following official channels:
Email: je15r77m@outlook.com
Address: 261, Jalan Jejaka 950000 Kuala Lumpur Kuala Lumpur , Malaysia