01 Introduction & Statement of Intent
This Privacy Policy ("Notice") explains how ezLoan Malaysia ("ezLoan", "we", "our", or "us") collects, uses, processes, and safeguards the personal data of users ("you", "your", or "Applicant") visiting ezloan.money or submitting inquiries for credit cards, personal loans, and SME commercial facilities.
By utilizing our platform or submitting an application form, you explicitly acknowledge and consent to the practices described in this Privacy Notice.
02 Personal Data We Collect
In order to provide comprehensive comparison tables and connect you with official Malaysian banking representatives, we may collect the following personal information:
- Identity Information: Full legal name as stated on your Malaysian NRIC or Passport.
- Contact Details: Verified WhatsApp mobile phone number and active email address.
- Financial Profile: Monthly income range, employment classification, and company SSM turnover (for commercial SME loans).
- Product Inquiries: Specific credit card models, financing amounts, preferred partner banks, and intended repayment tenures.
- Technical Identifiers: IP address, device fingerprint, browser metadata, and referral timestamps for fraud prevention.
03 Purpose of Processing Personal Data
Your personal data is processed strictly for the following legitimate commercial purposes:
- To review and match your eligibility against the lending criteria of Malaysian licensed commercial banks.
- To enable our dedicated financial advisors to contact you directly via official WhatsApp or email regarding your chosen facility.
- To forward your application details to the selected financial institution upon your affirmative instruction.
- To maintain internal compliance records mandated under Bank Negara Malaysia (BNM) anti-money laundering (AMLA) frameworks.
- To detect, prevent, and remediate unauthorized applications, identity impersonation, and fraudulent submissions.
Zero Upfront Deposit Guarantee
ezLoan and its certified lending partners strictly enforce zero upfront processing fees, upfront courier charges, or insurance deposits. We will never request cash transfers into individual personal accounts.
04 Disclosure to Third Parties & Partner Banks
We do not sell, rent, or trade your personal data to advertising brokers or unsolicited telemarketers. Personal data is disclosed solely to:
- Licensed Financial Institutions: Commercial banks, Islamic financial houses, and development institutions (e.g. Maybank, CIMB, Public Bank, RHB, Hong Leong, UOB, HSBC, MBSB, SME Bank) you expressly chose to apply with.
- Authorized Technology Providers: Cloud database infrastructure, email delivery gateways, and security auditing services operating under strict non-disclosure agreements.
- Regulatory Authorities: Bank Negara Malaysia (BNM), the Royal Malaysia Police (PDRM), or Malaysian courts where required by law.
05 Data Security & Retention Protocols
All data transmitted between your browser and our server is secured using 256-bit TLS/SSL encryption. Data stored within our production databases is protected by strict role-based access control (RBAC), database firewall policies, and regular cryptographic audits.
We retain your personal data only for as long as necessary to fulfill the inquiry lifecycle, address customer disputes, or satisfy statutory audit obligations under Malaysian legislation.
06 Your Rights Under the PDPA 2010
Under the Personal Data Protection Act 2010, you are entitled to the following statutory rights:
- Right to Access: Request a copy of the personal information we hold concerning your profile.
- Right to Rectification: Request the correction or updating of inaccurate, incomplete, or outdated data.
- Right to Withdraw Consent: Revoke consent for ezLoan to contact you or delete your active inquiry record.
- Right to Prevent Processing: Request the cessation of processing where likely to cause unwarranted substantial damage or distress.