Privacy Policy

1. Information We Collect

We may collect the following categories of personal data:

• Identity information: full name, NRIC/passport number, date of birth, nationality
• Contact information: address, phone number, email address
• Financial information: income, employment details, bank account details, credit history
• Transaction data: financing applications, repayment records, platform activity
• Technical data: IP address, device information, cookies, and usage analytics

2. How We Use Your Data

We use your personal data for the following purposes:

• Processing and assessing financing applications
• Administering and servicing your financing facility
• Verifying your identity and conducting credit checks with authorised credit reporting agencies
• Complying with legal and regulatory obligations, including anti-money laundering requirements
• Improving our platform and communicating service updates
• Marketing our products with your consent, which you may withdraw at any time

3. Disclosure of Data

We may disclose your personal data to credit reporting agencies, financial institutions, Syariah advisory bodies, government authorities, professional advisers, and service providers who assist us in operating jompinjam.my. We require all third parties to maintain appropriate data security measures.

4. Data Retention

We retain your personal data for as long as necessary to fulfil the purposes for which it was collected, including to satisfy legal, regulatory, accounting, or reporting requirements. Financing records are typically retained for a minimum of seven years after account closure.

5. Your Rights

Under the PDPA, you have the right to access and request correction of your personal data, withdraw consent for direct marketing, and request limitation of processing in certain circumstances. To exercise these rights, contact our Data Protection Officer at info@jompinjam.my.

6. Security

We implement industry-standard technical and organisational measures to protect your personal data, including encryption in transit and at rest, access controls, and regular security assessments.

7. Cookies

jompinjam.my uses cookies and similar technologies to enhance your experience, analyse usage, and maintain session security. You may configure your browser to refuse cookies, though some platform features may not function properly as a result.

8. Contact

For privacy-related enquiries or complaints, contact us at info@jompinjam.my or write to our registered office. If you are not satisfied with our response, you may lodge a complaint with the Personal Data Protection Commissioner of Malaysia.