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Privacy Policy

This Notice, issued by Glamour Mortgage & Loan Sdn. Bhd. [202001006914 / 1363234-T] (“we,” “our,” “us,” or “GM Loan”), as a data user under the Personal Data Protection Act 2010 (“PDPA”), applies to you as a data subject.

For the purpose of this Notice, the terms “personal data,” “sensitive personal data,” “data subject,” “data user,” and “data processor” are as defined in the PDPA.

By granting us permission, you authorize the collection, recording, storage, and handling of your sensitive personal data. This consent remains valid until you formally revoke it in writing and submit it to us.

In the event you choose to withhold or withdraw this consent, we retain the right, at our discretion, to deny some or all of our services, effective immediately.

Your personal data, in various formats, may be collected, recorded, stored, and processed by us, digitally or otherwise. We reserve the right to store and transmit your information to our servers in Malaysia. You consent to the cross-border transfer of your personal information, including sensitive data, for the purposes outlined below.

Personal information encompasses, but is not limited to, your name, address, identification document copies, contact details, account information, employment history, credit reports, references, marital and health status, alleged offences, personal finances, and social security numbers. Additionally, we may collect, store, retain, process, and dispose of data such as device information, log data (including visit dates, times, and durations), browsing history, IP addresses, cookies, and location data. You have the option to decline cookies; however, this may restrict access to certain parts or functionalities of our website.

You hereby consent to our ability to collect, record, retain, utilize, store, and otherwise process information about you from various sources. Your agreement is irrevocable, allowing us to acquire any necessary information from any available sources. This includes, but is not limited to, third-party background checks, credit reporting agencies, medical professionals, regulatory authorities, government departments, agencies, central depositories, or depository agents. We may use this information for the following purposes:

  1. To obtain and verify any relevant information about you, as we see fit, including compliance with anti-money laundering laws.
  2. To perform credit checks and/or litigation checks on you, as we determine necessary.
  3. To disclose your information and data to the Central Bank of Malaysia, governmental or regulatory bodies, credit bureaus, credit reporting agencies, and other authorized entities.
  4. To assess your health status.
  5. To gather data related to your credit history, profile, and other credit-related information.

 

Data processors, referring to individuals or organizations processing personal data on our behalf or as per our instructions without being data users, can be appointed by us at our discretion to handle your personal and sensitive personal data.

By accepting this, you acknowledge, confirm, and consent to us collecting, recording, storing, using, and processing your personal data for the following purposes:

  1. Managing all matters related to the contract between you and us.
  2. Processing your applications, requests, and queries.
  3. Providing our services to you.
  4. Analyzing and evaluating our website and services to enhance them.
  5. Ensuring compliance with the agreement, our rules, policies, and applicable laws, including monitoring your website access.
  6. Adhering to governmental, quasi-governmental, regulatory, and statutory bodies’ compliance and disclosure requirements.
  7. Meeting legal obligations under various laws, rules, regulations, and directives.
  8. Enforcing our rights under the agreement, our rules, policies, and applicable laws to protect our interests.
  9. Maintaining records in the course of our regular business operations.
  10. Circulating promotional materials related to our services via various means, including emails, short messaging services, regular mail, and others.
  11. Addressing any purposes related to or associated with our business activities.

 

We are committed to maintaining the confidentiality of your personal data during our retention period. However, we may share this information with the following entities, referred to as “Third Parties,” for the following purposes:

  1. Our affiliates and associated companies, both within Malaysia and other jurisdictions.
  2. Our assignees.
  3. Any entity to which we are legally obligated to disclose information, as required by law, rules, regulations, orders, guidelines, directives, or notices.
  4. Any court or its officers.
  5. Our auditors, accountants, and tax advisors.
  6. Our legal advisors and compliance professionals.
  7. Our banking institutions.
  8. Our professional advisors, service providers, and vendors.

 

Ensuring the accuracy, completeness, and truthfulness of the personal data you provide to us is your responsibility. You must also keep this information current and promptly notify us of any inaccuracies, omissions, or updates. Furthermore, you are obligated to furnish us with true, accurate, complete, and up-to-date personal data.

When you provide personal data, sensitive personal data, or information about another individual, you confirm that you have been duly authorized by that person to act on their behalf, provide consent for the processing of their personal data per this Notice, and receive any data protection notifications on their behalf.

We reserve the right to make periodic modifications to this Notice, and any such alterations will be communicated to you through written notifications or other suitable means. If you do not wish to proceed with the processing of your personal data in accordance with the updated Notice, kindly submit a written withdrawal of your consent.

We will retain your data for the duration necessary to fulfill our contractual obligations or as mandated by legal requirements, in alignment with the purposes detailed in this Notice. Once your personal data is no longer needed for the purposes outlined here, we will securely and permanently delete or destroy it, following applicable legal, regulatory, and accounting obligations.

If you wish to request access to your Personal Information, seek corrections or amendments to it, or provide feedback on this Privacy Notice to GM Loan, you can reach out to us via the following address or phone number:

Glamour Mortgage & Loan Sdn. Bhd.
(202001006914 / 1363234-T)
17B, Jalan Kenari 1, Bandar Puchong Jaya Bt 8,
47100 Puchong, Selangor, Malaysia.

TEL: 011-31921388 / 010-3711388