Last Updated: 13 October 2025
At Kerlingan Emas Sdn. Bhd. (“we”, “our”, or “the Company”), your privacy is important to us. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal data when you interact with our services, website, or communicate with us.
1. Information We Collect
We may collect the following categories of personal data:
a) Personal Identification Details
- 英文全名
- Address
- Phone Number
- Email Address
- National ID or Passport Number (for verification purposes)
b) Financial Information
- Income details
- Bank statements or payslips
- Credit history
c) Transactional Information
- Payment details
- Transaction records
- Invoices and receipts
d) Technical and Usage Data
- IP address
- Browser type, operating system
- Cookies and device identifiers
- Website usage activity
e) Other Supporting Information
- Any documents you voluntarily submit (e.g., ID copies, bank documents)
- Communication records (emails, phone calls, chat logs)
2. How We Use Your Information
Your personal data is collected and processed for purposes such as:
- Verifying your identity and processing loan or financing applications
- Performing credit and risk assessments
- Contacting you regarding your application or service updates
- Enhancing our website, services, and customer experience
- Providing customer support and resolving issues
- Fulfilling legal and regulatory obligations
- Preventing fraud and misuse of our services
3. Disclosure to Third Parties
We may share your personal data with the following parties when necessary:
- Credit reporting agencies or financial institutions (for credit evaluation)
- Third-party service providers (such as payment processors, IT service vendors)
- Regulatory or government authorities when required by law
- Business partners or affiliates (with your consent)
All third-party service providers are bound by confidentiality and data protection obligations.
4. Data Security
We implement appropriate administrative, technical, and physical safeguards to protect your personal data from unauthorized access, disclosure, modification, or loss. However, no system is completely secure, and we cannot guarantee absolute protection.
5. Data Retention
We will retain your personal data only as long as necessary to fulfill the purposes it was collected for, or to comply with legal and regulatory requirements.
6. Your Rights
Under the Personal Data Protection Act (PDPA), you have the right to:
- Access your personal data
- Request correction of inaccurate or incomplete data
- Request deletion of data (where legally permissible)
- Withdraw your consent (where applicable)
- Object to the use of your data for direct marketing
To exercise your rights, please contact us using the details provided below.
7. Cookies and Tracking Technologies
We may use cookies and similar technologies to:
- Store user preferences
- Track website performance and traffic
- Personalize your browsing experience
You can manage or disable cookies in your browser settings, but doing so may affect your experience on our site.
8. Links to Third-Party Sites
Our website may contain links to external websites not operated by us. We are not responsible for the content or privacy practices of those sites. Please review their privacy policies before providing any personal data.
9. Changes to This Policy
We may update this Privacy Policy from time to time. Any changes will be posted on our website with the updated effective date. Continued use of our services constitutes your acceptance of the updated policy.
10. Contact Us
If you have any questions, concerns, or wish to exercise your privacy rights, please contact us:
Kerlingan Emas Sdn. Bhd.
Address: No. 37‑A, Jalan Makmur 25/64, Taman Sri Muda, 40000 Shah Alam, Selangor
Phone: 016‑449 3312
Email: [email protected]
Website: https://kerlinganemas.com
