Privacy Policy

01Data we collect

We collect personal data you provide when you apply, contact us, or use this website:

• Identity and contact details — name, phone number, email address and state of residence
• Financial and employment details — employment type, employer, monthly income and years employed
• Application details — requested amount, tenure and loan purpose
• Usage data — your correspondence with us and basic technical logs from this website

02How we use your data

We use your personal data to:

• Assess your application and your ability to repay
• Verify your identity and prevent fraud
• Contact you about your application, agreement and repayments
• Meet our legal and regulatory obligations under the Moneylenders Act 1951 and related laws
• Improve our products, services and website

We only send marketing communications with your consent, and you may opt out at any time.

03Who we share it with

We never sell your personal data. We disclose it only:

• To regulators and government authorities such as KPKT, where required
• To service providers who support our operations, under strict confidentiality obligations
• To our professional advisers (legal, audit) where necessary
• Where disclosure is required by law or by a court order

04How we protect it

Your data is encrypted in transit, stored with strict access controls, and handled only by staff who need it to serve you. Everyone on our team is bound by confidentiality obligations.

05How long we keep it

We keep personal data for as long as needed to process your application, service your loan and meet statutory record-keeping requirements. When it is no longer needed, we securely delete or anonymise it.

06Your rights

Under the PDPA you may:

• Request access to the personal data we hold about you
• Request correction of inaccurate or outdated data
• Withdraw consent to processing, subject to legal and contractual limits
• Stop your data being used for direct marketing

To exercise any of these rights, contact our data protection officer using the details below. A small fee may apply to access requests, as permitted by the PDPA.

07Contact us

Data Protection Officer, Amandana Kredit — email privacy@amandanakredit.com.my, phone +60 3-0000 0000, or write to Level 12, Menara Amandana, Jalan Ampang, 50450 Kuala Lumpur. This notice is issued in English, Bahasa Malaysia and Chinese; if there is any inconsistency, the English version prevails.