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When to Use Us?
It happens to all of us despite the best laid plans. Unforeseen life’s occurrences will often set our financial planning back by months if not years. Whilst ReCAL do not condone irresponsible lifestyle consumption’s, we are here to lend a helping hands in your moment of needs.
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kreditrakyat.com is a online digital platform offers Islamic loans to government servants. We work with partners to provide Islamic loans platform to the needy.
kreditrakyat.com is not a bank, but this platform is developed by ReCal International Sdn Bhd cooperate with Islamic Financial Insitutions to advertise their Islamic loan products.
Please read the terms and conditions (the "Terms of Use") set forth below, as they apply to your access and use of our services, including our website (apply.yayasanalaim.com), APIs, email notifications, applications buttons and widgets (the "Services"), and any information, text, graphics, video, photos, look and feel or other materials uploaded, downloaded or appearing on the Services (collectively referred to as the "Content").
Your access to and use of the Services signifies your acceptance of these Terms of Use and agreement to be bound by them and any and all other applicable terms referenced herein absolutely. If you do not agree to these terms of use, please refrain from using this Website now. This Website and Services are available only to individuals above the age of 18 years who can form legally binding agreements under the applicable laws. If you are not above 18 years of age, please do not proceed to use this Website and Services.
The Services should not be regarded as an offer or solicitation to provide products or services described therein to any person to whom it is unlawful to make such an offer or solicitation or where the local law or regulation does not permit the use of such products or services.
Other applicable terms
These Terms of Use refer to the additional terms in our Privacy Policy Statement, which also apply to your use of our Services.
Our Privacy Policy Statement sets out the terms on which we process any personal data we collect from you, or that you provide to us. By using our Services, you consent to such processing and you warrant that all data provided by you is accurate and to notify us by emails if there are any changes. You understand that through your use of the Services you consent to the collection and use (as set forth in the Privacy Policy) of this information, including the transfer of this information both within and outside of Malaysia for storage, processing and use by us. As part of providing you the Services, we may need to provide you with certain communications, such as service announcements and administrative messages. These communications are compulsory and are considered part of the Services and your apply.yayasanalaim.com account, which you may not be able to opt-out from receiving.
Description of Service
apply.yayasanalaim.com is not a lender, we do not make loans, make credit decisions, and we do not own or control the financing facilities that we market to you. We review the information that you provide to us and if you meet certain requirements, we then refer you to Financing Providers who we believe are most likely to provide you with a loan based on our assessment of your information. If you decide to obtain the financing, you will enter into a separate agreement with the Financing Providers and not with us. We do not control and are not responsible for the actions or inactions of the Financing Providers. You are under no obligation to use our Services to initiate contact or take a loan with any of the Financing Providers.
Nothing in this Terms of Use shall be construed as creating a partnership or joint venture of any kind between you and us, or as constituting either party as the agent of the other party for any purpose whatsoever and neither party shall have the authority or power to bind the other party or to contract in the name of or create a liability against the other party in any way or for any purpose.
Changes to our services
The Services that we provide are always evolving and the form, content, terms and nature of the Services that we provide may change from time to time without prior notice to you. In addition, we may stop (permanently or temporarily) providing the Services (or any features within the Services) to you or to users generally and not be able to provide you with prior notice. We also retain the right to create limits on use and storage at our sole discretion at any time and without prior notice to you.
We make no representations, warranties or guarantees, whether express or implied, that our Services or any content on our site is accurate, complete or up-to- date.
Reliance on information posted
Commentary and other materials posted on this Website are not intended to amount to advice on which reliance should be place. We are not liable or responsible for any reliance placed on such materials by you or anyone who you may inform of any of its contents.
Accessing our Services
We do not guarantee that our Services, or any content, will always be updated, available or be uninterrupted. We may suspend, withdraw, discontinue or change all or any part of our Services and Contents without notice. We will not be liable to you if for any reason our Services are unavailable at any time or for any period.
You are also responsible for ensuring that all persons who access our Services through your internet connection are aware of these Terms of Use and other applicable terms and conditions, and that they comply with them.
Intellectual property rights
All intellectual property rights subsisting in respect of the Services and Contents (with the exception of contributed content by users) belong to apply.yayasanalaim.com or have been lawfully licensed to apply.yayasanalaim.com for use. All rights under applicable laws are hereby reserved. You are not allowed to upload, post, publish, reproduce, transmit or distribute in any way any component of the website itself or create derivative works with respect thereto, as the website is copyrighted under applicable laws.
You agree to respect all intellectual property rights, including but not limited to copyright, trademarks, trade names (whether registered or not) contained or displayed on the Website or which you gain access to in connection with using our Services.
You must not use any part of the materials on our Website for commercial purposes without prior consent and you agree not to download or print off copies of such materials for any purposes other than those for which they are intended.
If you print off, copy or download any part of our site in breach of these terms of use, your right to use our Website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.
You agree that we are free to use, disclose, adopt and modify all and any ideas, concepts, knowhow, proposals, suggestions, comments and other communications and information provided by you to us (the "Feedback") in connection with the Services and/or your use of the Services without any payment to you. You hereby waive and agree to waive all and any rights and claims for any consideration, fees, royalties, charges and/or other payments in relation to our use, disclosure, adoption and/or modification of any or all of your Feedback.
Use of Services
We reserve the right at all times (but will not have an obligation) to remove or refuse to distribute any Content on the Services, to suspend or terminate users, and to reclaim usernames without liability to you. We also reserve the right to access, read, preserve, and disclose any information as we reasonably believe is necessary to
satisfy any applicable law, regulation, legal process or governmental request;
enforce the Terms of Use, including investigation of potential violations hereof;
detect, prevent, or otherwise address fraud, security or technical issues;
respond to user support requests; or
protect the rights, property or safety of apply.yayasanalaim.com, its users and the public.
Representations and Warranties
In order to use our Services and during the course of such use, you represent and warrant that:
you possess the legal right and ability to enter into this Terms of Use;
you have and will at all times supply truthful, accurate, and complete information, including but not limited to information regarding any financings you have obtained, or in the processing of obtaining, from any financial and non-financial institution;
you have not withheld any material facts;
you do not have any other financing from other financial or non-financial institutions other than as declared herein;
you are not in default on any accounts with any banks, financial institutions, and moneylenders nor under any legal impediments;
you will comply with apply.yayasanalaim.com and the Financing Providers’ requirements in respect of your application;
you understand that the offer of financing is subject to the necessary verification by the Financing Providers on the information and documents provided by you and is contingent upon the final approval by the Financing Providers who have the absolute discretion to approve or reject the loan and are under no obligation to provide any reasons whatsoever;
in the event any information provided becomes inaccurate, misleading, or changes in any way, you shall promptly notify us of such changes; and
neither the performance of your obligations under this Terms of Use nor your use of the Services will violate any applicable laws, rules or regulations of governments having jurisdiction or cause a breach of any agreements you have with any third parties or unreasonably interfere with our other customers' use of our Services.
You grant apply.yayasanalaim.com and the Financing Providers permission to obtain, verify and disclose any information submitted for the purposes of the Services, including but not limited to Credit Information (as defined in the Credit Reporting Agencies Act 2010) relating to you from and/or to any source, including but not limited to the Inland Revenue Authorities; Employment Provident Fund; RAM Credit Information Sdn. Bhd., CTOS Data Systems Sdn. Bhd. and any other person, individual and/or entity, credit reporting/reference agencies, and other financial institutions as apply.yayasanalaim.com and the Financing Providers deems appropriate in relation to your credit application or transaction with you.
The obtaining and/or disclosure of such information are for the purposes of, including but not limited to the opening of account, credit evaluation, credit/account review, credit/account monitoring, debt recovery purposes, scoring solutions, legal documentation and/or action consented to a contract or facility granted.
You further authorise and consent to apply.yayasanalaim.com and the Financing Providers to disclose to any other person(s), bodies and authorities in or outside of Malaysia, including but not limited to debt collection agents, companies within the group of apply.yayasanalaim.com and the Financing Providers, its respective agents, and appointed outsourcing agents for the purposes of providing integrated services, maintaining and storing records, information and particulars (financial or otherwise), relating to your affairs, accounts, financing and conduct thereof for such purposes as apply.yayasanalaim.com and the Financing Providers deems fit or appropriate.
Such consent shall remain applicable as long as you are maintaining an account, loan, credit or any transaction with us or the Financing Providers. apply.yayasanalaim.com and the Financing Providers are expressly authorised by you to discuss with you present and future employer(s) regarding your use of our Services.
All forms and supporting documents submitted by you to apply.yayasanalaim.com and the Financing Providers for your use of our Services shall be our property and the Financing Providers and we shall be entitled to retain the same irrespective of the outcome of your application or use of our Services.
Limitation of Liability and Disclaimers
Please read this section carefully since it limits the liability of apply.yayasanalaim.com and its related companies, officers, directors, employees, agents, representatives, partners, and licensors (collectively, the, "Entities of apply.yayasanalaim.com"). Each of the subsections below only applies up to the maximum extent permitted under applicable law. Some jurisdictions do not allow the disclaimer of implied warranties or the limitation of liability in contracts, and as a result the contents of this section may not apply to you. Nothing in this section is intended to limit any rights you may have which may not be lawfully limited. All Information is for your general reference only. We do not accept any responsibility whatsoever in respect of such information.
YOUR ACCESS TO AND USE OF OUR SERVICES IS AT YOUR SOLE RISK AND IS PROVIDED "AS IS", and, "AS AVAILABLE". THE SERVICES ARE FOR YOUR PERSONAL USE ONLY AND THE ENTITIES OF apply.yayasanalaim.com MAKE NO REPRESENTATION OR WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY WARRANTIES ON MERCHANTABILITY OR FITNESS FOR ANY PARTICULAR PURPOSE OR NON-INFRINGEMENT.
THE ENTIRE LIABILITY OF THE ENTITIES OF apply.yayasanalaim.com AND YOUR EXCLUSIVE REMEDY WITH RESPECT TO THE SERVICES OR OTHERWISE, IS RE-PERFORMANCE OF DEFECTIVE SERVICES. IN JURISDICTIONS WHICH DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN TYPES OF LIABILITY, OUR LIABILITY WILL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW. WE DO NOT ENDORSE, WARRANT OR GUARANTEE ANY MATERIAL, PRODUCT OR SERVICE OFFERED THROUGH US OR OUR SERVICES. WE ARE NOT AND WILL NOT BE A PARTY TO ANY TRANSACTION BETWEEN YOU AND ANY THIRD PARTY.
IN NO EVENT SHALL THE AGGREGATE LIABILITY OF THE ENTITIES OF apply.yayasanalaim.com EXCEED TWO HUNDRED MALAYSIAN RINGGITS (MYR 200).
The Entities of apply.yayasanalaim.com shall not guarantee or assume any responsibility that:
the information presented in our Services is accurate, adequate, current or reliable, or may be used for any purpose other than for general reference;
the information presented in our Services is free of defect, error, omission, virus or anything which may change, erase, add to or damage your software, data or equipment;
messages sent through the internet including in connection with the Services will be free from interception, corruption, error, delay or loss;
access to the Services will be available or be uninterrupted;
use of the Services will achieve any particular result; or
defects in the Services will be corrected.
Without limiting the generality of the foregoing, in no event will the Entities of apply.yayasanalaim.com be liable to you or any other person for any direct, indirect, incidental, special, punitive or consequential loss or damages, including any loss of business or profit, goodwill, opportunity or reputation arising out of any use, or inability to use, or reliance on the information or the Services, even if any of the Entities of apply.yayasanalaim.com has been advised of the possibility of such loss or damages.
You will exercise and rely solely on your own skill and judgment in your use and interpretation of the information and use of the Services. You are responsible to ensure that your use of the information and the Services complies with all applicable legal requirements.
Without prejudice to the foregoing, if your use of the Services does not proceed satisfactorily and/or where applicable you do not receive appropriate responses to such use from us, as set out in these Terms of Useor otherwise, you are advised to contact us at [email protected]. No such lack of response shall be deemed to constitute any acquiescence or waiver.
The limitation of liability contained in these Terms of Use will apply to the fullest extent permitted by applicable laws.
Indemnity
You agree to indemnify and hold harmless apply.yayasanalaim.com from and against any and all claims, losses, expenses, demands or liabilities, including attorneys’ fees and costs, incurred by Entities of apply.yayasanalaim.com in connection with any claim by a third party (including any intellectual property claim) arising out of:
materials and content you submit to, post to or transmit through the Services;
your use of the Services in violation of this Terms of Useor in violation of any applicable law; and
any claims brought against us by third parties resulting from you actions or inactions.
You further agree that you will cooperate fully in the defence of any such claims. We reserve the right, at their own expense, to assume the exclusive defence and control of any matter otherwise subject to indemnification by you, and you shall not in any event settle any such claim or matter without our written consent.
Linking to us
You may link to our Services provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it. You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists. You must not establish a link to our Services in any website that is not owned by you. We reserve the right to withdraw linking permission without notice.
Third party links and resources in our site
The links from the Services may take you to other sites or services and you acknowledge and agree that apply.yayasanalaim.com has no responsibility for the accuracy or availability of any Information provided by third parties services and websites.
The Services may include advertisements, which may be targeted to the Content or information on the Services, queries made through the Services, or other information. The types and extent of advertising by apply.yayasanalaim.com on the Services are subject to change. In consideration for us granting you access to and use of the Services, you agree that apply.yayasanalaim.com and its third party providers and partners may place such advertising on the Services or in connection with the display of Content or information from the Services, whether submitted by you or others.
Links to other websites and services do not constitute an endorsement by us of such websites or services, or information, products, advertising or other materials available made available by such third parties.
Severance
The illegality, invalidity or unenforceability of any provision of these Terms of Use under the law of any jurisdiction shall not affect its legality, validity or enforceability under the laws of any other jurisdiction nor the legality, validity or enforceability of any other provision.
Variations
We reserve the right to amend and/ or revise these Terms of Use at any time by amending the terms without assigning any reason thereto or highlighting to you what the changes are. You are expected to check this page from time to time to take notice of any changes we make, as the amended or updated terms and conditions will be binding on you. Some of the provisions contained in the Term of Use may also be superseded by provisions or notices published elsewhere on our site.
Nonetheless, you will still be bound by the terms of any previous versions to which you have agreed or been deemed to agree at the relevant time. If there is a conflict between two versions of the terms to which you have agreed or been deemed to agree, the more recent version shall take precedence unless it is expressly stated otherwise.
Several users
If there are two or more persons adhering to these Terms of Use as user, their liability under the Terms of Use is joint and several, and their rights are joint.
Waiver
No failure or delay by a party to exercise any right or remedy provided under this agreement or by law shall constitute a waiver of that or any other right or remedy, nor shall it prevent or restrict the further exercise of that or any other right or remedy. No single or partial exercise of such right or remedy shall prevent or restrict the further exercise of that or any other right or remedy.
Termination
The Terms of Use will continue to apply until terminated by either you or us as follows.
You may end your agreement with us at any time for any reason by deactivating your accounts and discontinuing your use of the Services. You do not need to specifically inform us when you stop using the Services.
We may suspend or terminate your accounts or cease providing you with all or part of the Services at any time for any reason, including, but not limited to, if we reasonably believe:
you have violated these Terms of Use;
you created risk or possible legal exposure for us; or
our provision of the Services to you is no longer commercially viable.
We will make reasonable efforts to notify you by the email address associated with your account or the next time you attempt to access your account.
In all such cases, any provision of these Terms of Use that expressly or by implication is intended to come into or continue in force on or after termination of this agreement shall remain in full force and effect.
Nothing in this section shall affect our rights to change, limit or stop the provision of the Services without prior notice, as provided above in Variations.
Governing law and jurisdiction
These Terms of Use shall be governed by the laws of the Malaysia. You agree to submit to the exclusive jurisdiction of the courts of Malaysia.
Languages
This Agreement is drafted in the English language. If this Agreement is translated into any other language, the English language version shall prevail.
Any notice given under or in connection with this Agreement shall be in the English language.
apply.yayasanalaim.com is committed to protecting and respecting your privacy.
This privacy policy (together with our Terms of Use and any other documents referred to in it) sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed by us. Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it.
Information collection
In order to provide a better service to you, we may collect and process the following data about you:
information that you provide to us by filling in forms on our site apply.yayasanalaim.com (the "our site"), in person or through other forms of communication. This includes information provided at the time of registering to use our site, applying for loan and related services or requesting further services. We may also ask you for information at other times, for example in processing the loan application, extending or renewal of loan application or other services, in connection with a promotion or when you report a problem with our site;
if you contact us, we may keep a record of that correspondence;
we may also ask you to complete surveys that we use for research purposes, although you do not have to respond to them;
details of transactions you carry out through our site and of the fulfilment of your request;
details of your visits to our site and the resources that you access; and
Personal data that may be obtained from credit reporting agency (whose contact details can be provided upon request) or from the public domain through different channels, e.g. a public register, a public search engine, a public directory or any social networks etc. Device information may be collected from your web browsers.
It is necessary for us to collect and process your personal data. Failure to supply such personal data or consent to this privacy policy may result in apply.yayasanalaim.com being unable to process your applications for loan facilities or related services, open or continue accounts. We only retain personal data for so long as it is necessary. Data may be archived as long as the purpose for which the data was used still exists.
Uses made of the information
The purposes for which information may be used by us in and outside Malaysia include:
assessing and assisting Financing Providers in assessing the merits and suitability of applicants for loan facilities and related financial services and/or processing and/or approving their applications, renewals and cancellations;
to notify you about important changes and development to the features of the loan facilities;
assisting Financing Providers and other financial institutions to conduct credit checks and to collect debts;
to communicate with you, including responding to your enquiries and/or complaints and resolving disputes, and to improve our services to you;
complying with laws and regulations applicable to us or any of our affiliates in or outside Malaysia;
complying with the internal policies, procedures, measures or arrangements of apply.yayasanalaim.com for the use of data and information and for prevention or detection of money laundering, terrorist financing or other unlawful activities;
comparing data of data subjects or other persons for credit checking, data verification or otherwise producing or verifying data, whether or not for the purpose of taking action against the data subjects;
maintaining a credit history (whether or not there exists any relationship between you and apply.yayasanalaim.com) for present and future reference;
ensuring that content from our site is presented in the most effective manner for you and for your computer;
providing you with alerts, newsletter, education materials or information that you requested or signed up to;
allowing you to participate in interactive features of our service, when you choose to do so;
designing and conducting surveys/questionnaires for client profiling/segmentation, statistical analysis, improving and furthering the provision our products and services;
legal proceedings, including collecting overdue amounts and seeking professional advices;
researching, designing and launching services or products including seminars/events/forums;
carrying out our obligations arising from any contracts that may be entered into between you and us;
promoting and marketing services and products (please see further details in Clause 2.2 below); or
purposes directly related or incidental to the above.
We intend to use your data in direct marketing. In this connection, please note that:
your name, contact details (including address, contact number, email address), products and services information, transaction pattern and behaviour, background and demographic data held by us from time to time may be used by us in direct marketing;
the following classes of services, products and subjects may be marketed in direct marketing:
credit/loan facilities and other financial services and products provided by us (or our affiliates) and/or third party financial institutions, insurers, securities and investment services providers;
reward, loyalty or privileges programmes, promotional offers and related services; and
invitations to events such as seminars/webinars/tele-seminars, conferences, live programs or events.
In addition to marketing the above services, products and subjects itself, apply.yayasanalaim.com also intends to provide the data described in paragraph 2.2(a) above to all or any of the persons described in paragraph 2.2(b) above for use by them in marketing those services, products and subjects, and apply.yayasanalaim.com requires your written consent for that purpose.
apply.yayasanalaim.com intends to receive money or other property or benefit in return for providing the data to the other persons in the manner described in paragraph 2.3.
We may conduct direct marketing via fax, email, direct mail, telephone and other means of communication or send e-newsletters to you. You may choose not to receive promotional materials, by simply telling us (see below for contact details), and we will cease to do so, without charge.
Disclosure of your information
We will keep the personal data we hold confidential but may provide information to:
personnel, agents, advisers, auditors, contractors, Financing Providers, financial institutions, and third party service providers in connection with our operations or services;
credit reporting agencies and, in the event of default, debt collection agencies;
our overseas offices, affiliates, business partners and counterparts (if any);
persons under a duty of confidentiality to us;
persons to whom we are required to make disclosure under applicable laws and regulations in or outside Malaysia;
actual or proposed transferees, participants or sub-participant of our services in or outside Malaysia;
third party financial institutions, insurers, credit card companies, securities, commodities, investment services providers; and external service providers that we may engage for the purposes set out in paragraph 2.2 above, wherever situated.
Cookies
Our website uses cookies to distinguish you from other users of our website. This helps us to provide you with a good experience when you browse our website and also allows us to improve our site. By continuing to browse the site, you are agreeing to our use of cookies.
A cookie is a small file of letters and numbers that we store on your browser or the hard drive of your computer if you agree. Cookies contain information that is transferred to your computer's hard drive.
We use the following cookies:
Strictly necessary cookies. These essential cookies are set throughout our website and are required for the operation of the website to:
allow our web server to determine whether the cookies setting on your web browser has been enabled or disabled. This allows us to know whether data can be collected from your web browser;
temporarily allow you to carry information between pages of our website to avoid having to re-enter that information;
temporarily identify your device after you has logged in to a secure page on our website so that our web server can maintain a dialogue with your web browser in order for you to carry out certain activities.
Analytical/performance cookies. They allow us to recognise and count the number of visitors and to see how visitors move around our website when they are using it. This helps us to improve the way our website works, for example, by ensuring that users are finding what they are looking for easily.
Functionality cookies. These are used to recognise you when you return to our website. This enables us to personalise our content for you, greet you by name and remember your preferences (for example, your choice of language or region).
Targeting/ advertising cookies. These cookies record your visit to our website, your response to our online advertisements, track the pages you have visited and the website links you have followed. We will use this information to make our website and the advertising displayed on it more relevant to your interests, provide online advertisements or offers on our website or third-party websites which are most likely to interest you and to evaluate the effectiveness of our online marketing and advertising programs. We may also share this information with third parties for this purpose.
Please note that third parties (including, for example, advertising networks and providers of external services like web traffic analysis services) may also use cookies, over which we have no control. These cookies are likely to be analytical/performance cookies or targeting cookies.
Most web browsers are initially set up to accept cookies. You can choose to ‘not accept’ cookies by changing the settings on your web browser but if you block all cookies, including strictly necessary cookies, you may find that certain features on our Website will not work properly.
We may use third party web analytic services on the website. The service providers that administer these services use technologies such as cookies, web server logs and web beacons to help us analyse how visitors use the website. The information collected through these means (including IP address) is disclosed to these service providers, who use the information to evaluate use of the website. These analytic services may use the data collected to contextualise and personalise the marketing materials of their own advertising network.
Security
All information you provide to us is stored on our secure servers. Any payment transactions will be encrypted using SSL technology. Where we have given you (or where you have chosen) a password which enables you to access certain parts of our site, you are responsible for keeping this password confidential. We ask you not to share a password with anyone.
Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our site; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.
Changes to our privacy policy
Any changes we may make to our privacy policy in the future will be posted on this page. If we amend this privacy policy, the amendment will only apply to personal data collected after we have posted the revised privacy policy.
Data transfers
We may hold your data on servers in Malaysia and any other territories as we see fit from time to time. We may also transfer your data to our overseas offices or to any people listed at Clause 3.1 above, who may be located in or outside of Malaysia.
Your consent and rights
By using our service, making a loan application or visiting our website, you consent to us collecting and processing your personal data and other activities in accordance with this privacy policy, and you confirm that all personal data provided by you is accurate and complete, and that none of it is misleading or out of date. You will promptly update us in the event of any change to your personal data.
Under the Personal Data Protection Act (the "Act"), individuals have the right:
to check whether we hold personal data about you and to access such data;
to require us to correct as soon as reasonably practicable any data relating to you that is inaccurate;
to ascertain our policies and practices in relation to personal data and the kind of personal data held by us;
to object to the use of your personal data for marketing purposes and we shall not use your personal data for marketing purposes after you communicate your objection to us; and
to request to be informed which items of personal data are routinely disclosed to credit reporting agencies or debt collection agencies, and be provided with further information to enable the making of an access and correction request to the relevant credit reference agency or debt collection agency.
You may exercise your opt-out right by notifying us if you wish to object to the use of your personal data for direct marketing purposes. Please send requests for such objections, access to data, correction of data, information regarding policies and practices and kinds of data held, questions or complaints to:
In accordance with the terms of the Act, we have the right to and may charge a reasonable fee for processing any data access request.
Governing law and jurisdiction
Nothing in this privacy policy shall limit the rights of the data subject under the Act. This privacy policy shall be governed by the laws of Malaysia. You agree to submit to the exclusive jurisdiction of the courts of Malaysia.
By clicking I Accept, you confirm that you have read the Privacy Policy, that you understand them and that you agree to consent to your personal data to be governed under this Privacy Policy and to be bound by them.
That, pursuant to the Credit Reporting Agencies Act 2010 (“CRA Act”), I the following individual do hereby give consent to you to obtain or disclose any Credit Information (as defined in the Act) relating to me to RAM Credit Information Sdn Bhd or any source deemed appropriate to verify my credit history as you and RAM Credit Information Sdn Bhd or any source deemed appropriate may deem fit under any applicable law, regulation, guidelines, regulatory requirement or directive in relation to my credit application or transaction with you for the following purposes (but not limited to) opening of account, credit evaluation, credit review, credit monitoring, debt recovery purposes, scoring solutions, legal documentation and action consented to a contract or facility granted. Such consent shall remain applicable as long as I am maintaining any transaction with you. I understood the Privacy Policy and the CRA Policy.
Pursuant to the CRA Act and Central Bank of Malaysia Act, I/we the undersigned do hereby give my/our consent to apply.yayasanalaim.com and Ram Credit Information Sdn Bhd (“RAMCI”), a registered credit reporting agency under the CRA Act to conduct credit/trade check, CCRIS and DCHEQUE checks on us/me and where applicable, our director(s), shareholder(s) and guarantor(s) (collectively the “Parties”), at any time for as long as I/we have a trade relationship with you or where any dues remain unpaid and outstanding with you.
Apart from the above, the Parties undersigned do give our consent to you and the RAMCI, to process my/our personal data as per the CRA Act 2010 and PDP Act 2010.
Language
In accordance with Section 7(3) of the Act, this privacy policy is issued in both English and Bahasa Malaysia. In the event of any inconsistencies or discrepancies between the English version and the Bahasa Malaysia version, the English version shall prevail.
