{"id":618,"date":"2026-07-05T20:39:44","date_gmt":"2026-07-05T12:39:44","guid":{"rendered":"https:\/\/ringgitcredit.com\/?page_id=618"},"modified":"2026-07-05T20:42:14","modified_gmt":"2026-07-05T12:42:14","slug":"terms-and-conditions","status":"publish","type":"page","link":"https:\/\/ringgitcredit.com\/bm\/terms-and-conditions\/","title":{"rendered":"Terms and Conditions"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"618\" class=\"elementor elementor-618\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-acc6435 e-flex e-con-boxed e-con e-parent\" data-id=\"acc6435\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-673ebd8 elementor-widget elementor-widget-text-editor\" data-id=\"673ebd8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 18-04-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p class=\"p3\"><b>Last Updated: [05 July 2026]<\/b><\/p><p class=\"p4\">Welcome to ringgitcredit.com.<\/p><p class=\"p4\">This website is operated by JAYA RINGGIT CREDIT SDN. BHD. (\u201cJaya Ringgit Credit\u201d, \u201cwe\u201d, \u201cus\u201d or \u201cour\u201d).<\/p><p class=\"p4\">By accessing this website, submitting an enquiry or using any website function, you agree to these Terms and Conditions. If you do not agree, please discontinue your use of this website.<\/p><h2><span class=\"s1\"><b>1. Company Information<\/b><\/span><\/h2><p class=\"p4\">This website is operated by:<\/p><p class=\"p4\"><b>JAYA RINGGIT CREDIT SDN. BHD.<\/b><br \/>Company Registration No.: 0054264D \/ 198001000481<br \/>Moneylender Licence No.: WL2974\/14\/01-11\/270826<br \/>Registered Address: V05-03-03A, Signature 1 (V05), Lingkaran SV, Sunway Velocity, 55100 Kuala Lumpur.<br \/>Operating Address: No. 44-1, 1st Floor, Jalan Nyonya, Off Changkat Thambi Dollah, 55100 Kuala Lumpur.<br \/>Email: info@ringgitcredit.com<\/p><h2><span class=\"s1\"><b>2. Nature of Our Services<\/b><\/span><\/h2><p class=\"p4\">Jaya Ringgit Credit provides personal financing application and assessment services to eligible applicants, subject to applicable laws, licensing conditions, internal assessment requirements and final approval.<\/p><p class=\"p4\">We are not a bank or government agency, and we do not claim to be affiliated with any bank, regulator or government department unless such relationship is expressly stated and legally authorised.<\/p><p class=\"p4\">The information on this website is provided for general information and enquiry purposes.<\/p><h2><span class=\"s1\"><b>3. No Guarantee of Approval<\/b><\/span><\/h2><p class=\"p5\">Submitting an enquiry, form, document or application does not guarantee:<\/p><ul><li>Approval<\/li><li>A particular financing amount<\/li><li>A particular interest rate or APR<\/li><li>A particular repayment period<\/li><li>Same-day disbursement<\/li><li>Completion within a stated timeframe<\/li><\/ul><p class=\"p5\">All applications are subject to:<\/p><ul><li>Eligibility assessment<\/li><li>Identity verification<\/li><li>Employment and income verification<\/li><li>Supporting document verification<\/li><li>Affordability assessment<\/li><li>Fraud and risk checks<\/li><li>Internal approval<\/li><li>Applicable legal and regulatory requirements<\/li><\/ul><p class=\"p4\">Any estimated processing time is indicative only and may vary depending on the completeness and accuracy of the information provided.<\/p><h2><span class=\"s1\"><b>4. Eligibility<\/b><\/span><\/h2><p class=\"p5\">General eligibility requirements may include:<\/p><ul><li>Meeting the applicable minimum age requirement<\/li><li>Being legally eligible to apply in Malaysia<\/li><li>Having stable or verifiable employment or income<\/li><li>Providing valid identification<\/li><li>Providing recent payslips<\/li><li>Providing recent bank statements<\/li><li>Providing accurate and complete application information<\/li><li>Meeting affordability and internal assessment requirements<\/li><\/ul><p class=\"p4\">Additional conditions may apply depending on the application.<\/p><p class=\"p4\">Applications without the required supporting documents may not be processed.<\/p><h2><span class=\"s1\"><b>5. Financing Information<\/b><\/span><\/h2><p class=\"p5\">Financing amounts, interest rates, APR, fees, repayment terms and monthly repayments may vary according to:<\/p><ul><li>Applicant eligibility<\/li><li>Approved financing amount<\/li><li>Repayment period<\/li><li>Income and affordability<\/li><li>Supporting documents<\/li><li>Applicable legal requirements<\/li><li>Final assessment and approval<\/li><\/ul><p class=\"p4\">The minimum and maximum repayment period, maximum APR and representative loan example displayed on our website are provided for transparency.<\/p><p class=\"p4\">The representative example is an illustration only and does not constitute a guaranteed offer to any particular applicant.<\/p><h2><span class=\"s1\"><b>6. Final Financing Agreement<\/b><\/span><\/h2><p class=\"p4\">Any financing offered to an approved applicant will be governed by the final written agreement and related disclosure documents presented to the applicant.<\/p><p class=\"p4\">Where there is any inconsistency between general website information and the terms of a duly executed financing agreement, the executed agreement will govern, subject to applicable law.<\/p><p class=\"p4\">Applicants should read and understand all terms, rates, charges, repayment obligations and consequences of late or missed payments before signing an agreement.<\/p><p class=\"p4\">Applicants should only borrow an amount that they can reasonably afford to repay.<\/p><h2><span class=\"s1\"><b>7. Fees and Payments<\/b><\/span><\/h2><p class=\"p4\">No upfront application fee is required merely to submit an enquiry through this website.<\/p><p class=\"p4\">Any applicable fee, charge, duty or cost connected with an approved financing arrangement will be disclosed in accordance with applicable requirements before the applicant enters into the relevant agreement.<\/p><p class=\"p4\">You should not transfer money to an unknown individual or unofficial account claiming to guarantee approval.<\/p><p class=\"p5\">We will never ask you to provide:<\/p><ul><li>Online banking passwords<\/li><li>One-time passwords<\/li><li>ATM PINs<\/li><li>Card security codes<\/li><li>Full banking login credentials<\/li><\/ul><p class=\"p4\">If you receive a suspicious payment request or communication, contact us using the official details published on this website.<\/p><h2><span class=\"s1\"><b>8. Accuracy of Information Provided by Users<\/b><\/span><\/h2><p class=\"p4\">You agree that all information and documents supplied to us will be accurate, complete, current and not misleading.<\/p><p class=\"p5\">You must not:<\/p><ul><li>Submit false identity information<\/li><li>Submit forged or altered documents<\/li><li>Impersonate another person<\/li><li>Conceal material facts<\/li><li>Submit information without the necessary authority<\/li><li>Use the website for fraud or unlawful purposes<\/li><li>Attempt to interfere with or gain unauthorised access to our systems<\/li><\/ul><p class=\"p4\">We may decline, suspend or discontinue an enquiry or application if information appears false, incomplete, unauthorised, fraudulent or misleading.<\/p><p class=\"p4\">Providing false documents or information may result in reporting to the relevant authorities where required or permitted by law.<\/p><h2><span class=\"s1\"><b>9. Website Information<\/b><\/span><\/h2><p class=\"p5\">We take reasonable steps to keep website content accurate and current. However:<\/p><ul><li>Information may be updated from time to time<\/li><li>Services may change<\/li><li>Eligibility conditions may change<\/li><li>Website content may contain unintended technical or typographical errors<\/li><li>Website availability may occasionally be interrupted<\/li><\/ul><p class=\"p4\">We do not guarantee that the website will always be uninterrupted, error-free or available on every device.<\/p><h2><span class=\"s1\"><b>10. Use of the Website<\/b><\/span><\/h2><p class=\"p4\">You may use this website only for lawful personal or business enquiries connected with our legitimate services.<\/p><p class=\"p5\">You must not:<\/p><ul><li>Introduce malware, harmful code or automated attacks<\/li><li>Attempt to bypass website security<\/li><li>Scrape or copy website data without permission<\/li><li>Use our name, licence, logo or content to impersonate us<\/li><li>Use the website to send abusive, defamatory or unlawful communications<\/li><li>Submit excessive, automated or fraudulent enquiries<\/li><li>Misrepresent an affiliation with our company<\/li><\/ul><h2><span class=\"s1\"><b>11. Intellectual Property<\/b><\/span><\/h2><p class=\"p4\">Unless otherwise stated, the website design, written content, logo, graphics and other materials are owned by or licensed to Jaya Ringgit Credit.<\/p><p class=\"p4\">You may view and print reasonable extracts for your own personal use.<\/p><p class=\"p4\">You may not reproduce, republish, modify, distribute, sell or commercially exploit our website content without prior written permission.<\/p><h2><span class=\"s1\"><b>12. Third-Party Services and Links<\/b><\/span><\/h2><p class=\"p4\">Our website may provide access to third-party services or links, including WhatsApp, map services or other external platforms.<\/p><p class=\"p4\">Third-party platforms operate under their own terms and privacy policies.<\/p><p class=\"p4\">We are not responsible for the independent content, availability, security or privacy practices of third-party platforms, except to the extent required by applicable law.<\/p><h2><span class=\"s1\"><b>13. Privacy and Personal Data<\/b><\/span><\/h2><p class=\"p4\">Our collection and use of personal data are explained in our Privacy Policy and Personal Data Protection Notice.<\/p><p class=\"p4\">By submitting information, you confirm that you have reviewed the applicable privacy notice and that the information provided is yours or has been provided with appropriate authority.<\/p><h2><span class=\"s1\"><b>14. Limitation of Liability<\/b><\/span><\/h2><p class=\"p5\">To the extent permitted by law, Jaya Ringgit Credit will not be liable for indirect, incidental, consequential or special loss arising solely from:<\/p><ul><li>Temporary website unavailability<\/li><li>Third-party platform failures<\/li><li>A user\u2019s failure to protect personal devices or account credentials<\/li><li>Unauthorised communications falsely claiming to represent our company<\/li><li>Reliance on general website information instead of a final written agreement<\/li><\/ul><p class=\"p4\">Nothing in these Terms and Conditions excludes any liability or consumer right that cannot lawfully be excluded.<\/p><h2><span class=\"s1\"><b>15. Indemnity<\/b><\/span><\/h2><p class=\"p4\">To the extent permitted by law, you agree to be responsible for loss or damage directly resulting from your unlawful use of the website, fraudulent submission, impersonation, infringement or intentional violation of these Terms and Conditions.<\/p><h2><span class=\"s1\"><b>16. Suspension or Termination of Access<\/b><\/span><\/h2><p class=\"p5\">We may restrict or terminate access to the website where we reasonably believe that:<\/p><ul><li>The website is being misused<\/li><li>A user is attempting fraud or unauthorised access<\/li><li>There is a security risk<\/li><li>Access must be restricted to comply with law or regulatory requirements<\/li><\/ul><h2><span class=\"s1\"><b>17. Changes to These Terms<\/b><\/span><\/h2><p class=\"p4\">We may update these Terms and Conditions from time to time.<\/p><p class=\"p4\">The latest version will be published on this page together with the revised \u201cLast Updated\u201d date.<\/p><p class=\"p4\">Continued use of the website after an update constitutes acceptance of the updated terms, subject to applicable law.<\/p><h2><span class=\"s1\"><b>18. Governing Law<\/b><\/span><\/h2><p class=\"p4\">These Terms and Conditions are governed by the laws of Malaysia.<\/p><p class=\"p4\">Any dispute shall be subject to the jurisdiction of the courts of Malaysia, unless another procedure is required under applicable law.<\/p><h2><span class=\"s1\"><b>19. Complaints and Enquiries<\/b><\/span><\/h2><p class=\"p4\">For complaints or enquiries, contact:<\/p><p class=\"p4\"><b>JAYA RINGGIT CREDIT SDN. BHD.<\/b><br \/>Company Registration No.: 0054264D \/ 198001000481<br \/>Moneylender Licence No.: WL2974\/14\/01-11\/270826<br \/>Registered Address: V05-03-03A, Signature 1 (V05), Lingkaran SV, Sunway Velocity, 55100 Kuala Lumpur.<br \/>Operating Address: No. 44-1, 1st Floor, Jalan Nyonya, Off Changkat Thambi Dollah, 55100 Kuala Lumpur.<br \/>Email: info@ringgitcredit.com<\/p><p class=\"p6\">We will take reasonable steps to review and respond to legitimate complaints.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Last Updated: [05 July 2026] Welcome to ringgitcredit.com. This website is operated by JAYA RINGGIT CREDIT SDN. BHD. (\u201cJaya Ringgit Credit\u201d, \u201cwe\u201d, \u201cus\u201d or \u201cour\u201d). By accessing this website, submitting an enquiry or using any website function, you agree to these Terms and Conditions. If you do not agree, please discontinue your use of this [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"_links":{"self":[{"href":"https:\/\/ringgitcredit.com\/bm\/wp-json\/wp\/v2\/pages\/618"}],"collection":[{"href":"https:\/\/ringgitcredit.com\/bm\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/ringgitcredit.com\/bm\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/ringgitcredit.com\/bm\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/ringgitcredit.com\/bm\/wp-json\/wp\/v2\/comments?post=618"}],"version-history":[{"count":7,"href":"https:\/\/ringgitcredit.com\/bm\/wp-json\/wp\/v2\/pages\/618\/revisions"}],"predecessor-version":[{"id":625,"href":"https:\/\/ringgitcredit.com\/bm\/wp-json\/wp\/v2\/pages\/618\/revisions\/625"}],"wp:attachment":[{"href":"https:\/\/ringgitcredit.com\/bm\/wp-json\/wp\/v2\/media?parent=618"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}