Last Updated: [05 July 2026]
JAYA RINGGIT CREDIT SDN. BHD. (“Jaya Ringgit Credit”, “we”, “us” or “our”) respects your privacy and is committed to protecting the personal data that we collect and process.
This Privacy Policy and Personal Data Protection Notice explains how we collect, use, disclose, store and protect your personal data when you visit ringgitcredit.com, submit an enquiry, communicate with us or apply for our financing services.
This notice is issued in accordance with the Personal Data Protection Act 2010 of Malaysia and other applicable laws and regulations.
1. Data Controller
The data controller responsible for your personal data is:
JAYA RINGGIT CREDIT SDN. BHD.
Company Registration No.: 0054264D / 198001000481
Moneylender Licence No.: WL2974/14/01-11/270826
Registered Address: V05-03-03A, Signature 1 (V05), Lingkaran SV, Sunway Velocity, 55100 Kuala Lumpur.
Operating Address: No. 44-1, 1st Floor, Jalan Nyonya, Off Changkat Thambi Dollah, 55100 Kuala Lumpur.
Email: info@ringgitcredit.com
2. Personal Data We May Collect
Depending on your interaction with us, we may collect the following information:
2.1 Identification and contact information
- Full name
- Telephone or mobile number
- Email address
- Residential location or address
- Date of birth
- Age
- Nationality
- Identification document details, where required for an application
2.2 Employment and financial information
- Employment status
- Employer information
- Occupation
- Monthly income
- Payslips
- Bank statements
- Requested financing amount
- Existing financial commitments
- Other information required to assess eligibility and affordability
2.3 Application and communication information
- Information submitted through our website forms
- Information provided through WhatsApp, telephone calls, email or in-person enquiries
- Supporting documents supplied for an application
- Records of our communications with you
- Application status and assessment information
2.4 Website and technical information
When you use our website, we may automatically collect:
- Internet Protocol address
- Browser type
- Device type
- Operating system
- Referring website
- Pages viewed
- Date and time of access
- Website interaction information
- Advertising and conversion identifiers, including Google Click IDs where applicable
- Cookie and similar technology information
We do not request your online banking password, one-time password, personal identification number, card security code or other banking login credentials.
3. Sources of Personal Data
We may collect personal data:
- Directly from you
- Through our website forms
- Through WhatsApp, telephone, email or face-to-face communication
- From documents that you provide
- From authorised representatives acting on your behalf
- From publicly available or legally accessible sources
- From service providers supporting our website, communication, security or application-processing systems
- From regulatory, verification or credit-related sources where permitted by law and necessary for an application
Where you provide personal data relating to another person, you confirm that you have obtained the necessary permission to provide that information to us.
4. Purposes of Processing
We may collect and process your personal data for the following purposes:
- To respond to your enquiry
- To communicate with you regarding our services
- To assess your financing eligibility and affordability
- To verify your identity, employment, income and supporting documents
- To process and administer your application
- To conduct fraud prevention, security and risk assessments
- To prepare, administer and enforce financing documentation and agreements
- To provide customer service and handle complaints
- To maintain business and transaction records
- To comply with legal, regulatory, licensing and reporting requirements
- To protect our legal rights and the safety of our customers and systems
- To maintain and improve our website and services
- To measure website and advertising performance
- To prevent duplicate, fraudulent or abusive enquiries
- To conduct internal auditing, analysis and quality control
- To send service-related notices and updates
- To send marketing communications where you have consented or where otherwise permitted by law
Submission of an enquiry or application does not guarantee approval. All applications are subject to eligibility assessment, supporting document verification and final approval.
5. Whether Providing Personal Data Is Mandatory
Some personal data is required for us to respond to your enquiry or assess your financing application.
If you do not provide the required information or documents, including valid payslips and bank statements where applicable, we may be unable to process or continue with your enquiry or application.
You should ensure that all information provided to us is accurate, complete and current.
6. Disclosure of Personal Data
We may disclose your personal data, where necessary and permitted, to:
- Our authorised directors, employees and representatives
- Our legal, accounting, audit and professional advisers
- Website hosting, IT, cloud storage and cybersecurity providers
- Customer relationship management and communication service providers
- Document verification and fraud prevention providers
- Payment or banking service providers involved in an approved transaction
- Government departments, regulators, law enforcement agencies or courts
- Parties to whom disclosure is required or permitted by law
- Potential successors in the event of a lawful merger, restructuring, acquisition or transfer of business
Service providers may only process personal data for the relevant services they provide to us and are expected to protect such information appropriately.
We do not sell your personal data to advertisers or unrelated third parties.
We do not represent ourselves as a bank, government agency or another financial institution.
Important: If Jaya Ringgit Credit transfers applicants or personal data to other lenders, brokers or lead buyers, this section must be amended to clearly identify that practice before publication.
7. Marketing Communications
Where permitted, we may use your contact information to provide information about services that may be relevant to you.
You may request to stop receiving marketing messages at any time by:
- Following the unsubscribe instructions in the message
- Replying “STOP” where applicable
- Contacting us using the details stated in this notice
Stopping marketing communications will not prevent us from sending necessary service, security, legal or application-related communications.
8. Cookies and Similar Technologies
Our website may use cookies and similar technologies to:
- Enable website functions
- Remember user preferences
- Maintain website security
- Measure visits and user interactions
- Understand the performance of our advertising
- Detect duplicate or fraudulent activity
- Improve website performance and user experience
We may use services such as Google Ads, Google Analytics and Google Tag Manager, where enabled on our website.
These providers may process technical and interaction information in accordance with their own privacy terms.
You may manage cookies through your browser settings. Disabling certain cookies may affect some website functions.
9. Google Advertising and Conversion Measurement
Where Google Ads conversion tracking is enabled, information such as advertising click identifiers, page interactions and enquiry events may be used to measure advertising performance.
We use this information for advertising measurement, attribution, fraud prevention and service improvement. We do not intentionally send banking passwords, one-time passwords or complete financial account credentials to advertising platforms.
10. Security of Personal Data
We take reasonable organisational, technical and administrative measures to protect personal data against:
- Unauthorised access
- Accidental loss
- Misuse
- Alteration
- Unauthorised disclosure
- Destruction
These measures may include access controls, account permissions, secure connections, staff confidentiality requirements, system monitoring and appropriate document-handling procedures.
However, no website, electronic communication or storage system can be guaranteed to be completely secure.
You should not send banking passwords, OTPs, PINs, CVVs or similar security credentials through our website, WhatsApp or email.
11. Retention of Personal Data
We retain personal data only for as long as reasonably necessary to:
- Process and administer your enquiry or application
- Maintain records of transactions and communications
- Meet legal, licensing, regulatory, accounting and reporting obligations
- Resolve disputes and complaints
- Prevent fraud and abuse
- Protect or enforce our legal rights
When personal data is no longer required, we will take reasonable steps to securely delete, destroy or anonymise it.
12. Accuracy of Personal Data
We take reasonable steps to ensure that the personal data we hold is accurate, complete and current for the purposes for which it is processed.
You are responsible for informing us when your information changes or requires correction.
13. Your Rights
Subject to applicable law and any permitted exceptions, you may request to:
- Access personal data held about you
- Correct inaccurate, incomplete or outdated personal data
- Obtain information about how your personal data is processed
- Withdraw consent where processing is based on consent
- Request that we stop or limit certain processing
- Object to direct marketing
- Make a complaint concerning our handling of your personal data
We may request information to verify your identity before processing a request.
Certain requests may be restricted where retention or processing is required for legal, regulatory, contractual, fraud prevention or dispute-resolution purposes.
14. Withdrawal of Consent
You may withdraw your consent by contacting us.
Withdrawal of consent will not affect processing already carried out lawfully before the withdrawal. It may also affect our ability to continue processing your enquiry or application where the relevant data is necessary for that purpose.
15. Cross-Border Processing
Some technology, hosting, cloud or communication service providers may process or store information outside Malaysia.
Where cross-border processing occurs, we will take reasonable steps to ensure that appropriate safeguards are applied in accordance with applicable requirements.
16. Third-Party Websites and Services
Our website may contain links to third-party websites or services, including WhatsApp and other communication platforms.
We do not control the privacy practices of independent third parties. You should review their privacy notices before providing information through their services.
17. Children and Minors
Our financing services are not intended for persons who do not meet the minimum legal and eligibility requirements for entering into a financing arrangement.
We do not knowingly invite minors to submit financing applications.
18. Automated Assessment
We may use rules, digital systems or internal assessment tools to assist with application review, fraud detection, eligibility checks or prioritisation.
Final decisions may also involve review by authorised personnel, depending on the nature of the application and our internal procedures.
No application is guaranteed to be approved.
19. Changes to This Notice
We may update this Privacy Policy and Personal Data Protection Notice from time to time to reflect changes in our operations, technology, legal obligations or regulatory requirements.
The updated version will be published on this page with a revised “Last Updated” date.
20. Contact Us
For questions, requests, corrections or complaints relating to personal data, please contact:
Privacy Contact / Personal Data Protection Contact
JAYA RINGGIT CREDIT SDN. BHD.
Operating Address: No. 44-1, 1st Floor, Jalan Nyonya, Off Changkat Thambi Dollah, 55100 Kuala Lumpur.
Email: info@ringgitcredit.com
Company Registration No.: 0054264D / 198001000481
Moneylender Licence No.: WL2974/14/01-11/270826
Please include sufficient details for us to understand and process your request.