All processes are done exclusively within the app. No upfront payment, no agent!
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.
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.
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.
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.
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.
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.
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.
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.
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.
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
In order to use our Services and during the course of such use, you represent and warrant that:
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.
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:
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.
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:
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.
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.
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.
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.
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.
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:
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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:
Email: [email protected]
Attention: apply.yayasanalaim.com Officer
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.
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.