Privacy Policy

Bendera Pesona Sdn Bhd (PM Credit) is committed to protecting your personal data in accordance with the Personal Data Protection Act 2010 (PDPA) of Malaysia. This policy explains what we collect, why, and how we keep it safe.

1. Information we collect

• Identity and contact details (name, NRIC, phone number, email, address).
• Employment and financial information (payslips, bank statements, EPF, salary).
• Documents you submit to verify identity and address (utility bills, HR confirmation letter).
• Credit report information obtained from licensed credit bureau agencies.
• Technical data such as your IP address and browsing activity on this website.
• Cookies and similar technologies used for website analytics and advertising measurement.

1a. Cookies and advertising technologies

This website uses the Meta (Facebook) Pixel, a tool provided by Meta Platforms, Inc. It sets cookies and collects technical data such as your IP address, browser information and the pages you view, so that we can measure the performance of our advertising and show relevant ads to people who have visited this site.

This information is shared with Meta and may be processed outside Malaysia. We do not send your loan application details, NRIC, financial documents or other sensitive personal data to Meta.

You can limit this tracking through your browser's cookie settings, your device's ad-tracking controls, or your Meta ad preferences. Blocking these cookies does not affect your ability to apply for a loan.

2. How we use your information

• To assess your loan application and verify your identity.
• To process, approve, disburse and administer your loan.
• To protect you and us against fraud and impersonation.
• To comply with our legal and regulatory obligations, including KPKT requirements.
• To communicate with you about your application and account.

3. Legal basis

We process your data where it is necessary to enter into and perform the loan agreement, to comply with legal obligations, and where you have given consent. You may withdraw consent, though this may affect our ability to provide services.

4. Disclosure

We will never disclose your information to a third party without your consent, except where required by law, regulators, or to licensed credit bureau agencies as part of assessing your application. We do not sell your personal data.

5. Data security

We apply strict policies and technical measures when processing your data. Access is limited to authorised personnel who need it to serve you.

6. Retention

We retain your data only for as long as necessary to fulfil the purposes above and to comply with legal, regulatory and accounting requirements.

7. Your rights

Under the PDPA you have the right to access and correct your personal data, and to limit its processing. To exercise these rights, contact us using the details below.

8. Fraud warning

We will never ask for upfront payments or transfers to personal or third-party accounts. If in doubt, verify with us directly. See the Scammer Alert.

9. Contact

For any privacy request or question, contact Bendera Pesona Sdn Bhd at 011-55532850 or via WhatsApp.