Terms and Conditions – JAYA RINGGIT CREDIT SDN. BHD.

Last Updated: [05 July 2026]

Welcome to ringgitcredit.com.

This website is operated by JAYA RINGGIT CREDIT SDN. BHD. (“Jaya Ringgit Credit”, “we”, “us” or “our”).

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.

1. Company Information

This website is operated by:

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. Nature of Our Services

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.

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.

The information on this website is provided for general information and enquiry purposes.

3. No Guarantee of Approval

Submitting an enquiry, form, document or application does not guarantee:

Approval
A particular financing amount
A particular interest rate or APR
A particular repayment period
Same-day disbursement
Completion within a stated timeframe

All applications are subject to:

Eligibility assessment
Identity verification
Employment and income verification
Supporting document verification
Affordability assessment
Fraud and risk checks
Internal approval
Applicable legal and regulatory requirements

Any estimated processing time is indicative only and may vary depending on the completeness and accuracy of the information provided.

4. Eligibility

General eligibility requirements may include:

Meeting the applicable minimum age requirement
Being legally eligible to apply in Malaysia
Having stable or verifiable employment or income
Providing valid identification
Providing recent payslips
Providing recent bank statements
Providing accurate and complete application information
Meeting affordability and internal assessment requirements

Additional conditions may apply depending on the application.

Applications without the required supporting documents may not be processed.

5. Financing Information

Financing amounts, interest rates, APR, fees, repayment terms and monthly repayments may vary according to:

Applicant eligibility
Approved financing amount
Repayment period
Income and affordability
Supporting documents
Applicable legal requirements
Final assessment and approval

The minimum and maximum repayment period, maximum APR and representative loan example displayed on our website are provided for transparency.

The representative example is an illustration only and does not constitute a guaranteed offer to any particular applicant.

6. Final Financing Agreement

Any financing offered to an approved applicant will be governed by the final written agreement and related disclosure documents presented to the applicant.

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.

Applicants should read and understand all terms, rates, charges, repayment obligations and consequences of late or missed payments before signing an agreement.

Applicants should only borrow an amount that they can reasonably afford to repay.

7. Fees and Payments

No upfront application fee is required merely to submit an enquiry through this website.

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.

You should not transfer money to an unknown individual or unofficial account claiming to guarantee approval.

We will never ask you to provide:

Online banking passwords
One-time passwords
ATM PINs
Card security codes
Full banking login credentials

If you receive a suspicious payment request or communication, contact us using the official details published on this website.

8. Accuracy of Information Provided by Users

You agree that all information and documents supplied to us will be accurate, complete, current and not misleading.

You must not:

Submit false identity information
Submit forged or altered documents
Impersonate another person
Conceal material facts
Submit information without the necessary authority
Use the website for fraud or unlawful purposes
Attempt to interfere with or gain unauthorised access to our systems

We may decline, suspend or discontinue an enquiry or application if information appears false, incomplete, unauthorised, fraudulent or misleading.

Providing false documents or information may result in reporting to the relevant authorities where required or permitted by law.

9. Website Information

We take reasonable steps to keep website content accurate and current. However:

Information may be updated from time to time
Services may change
Eligibility conditions may change
Website content may contain unintended technical or typographical errors
Website availability may occasionally be interrupted

We do not guarantee that the website will always be uninterrupted, error-free or available on every device.

10. Use of the Website

You may use this website only for lawful personal or business enquiries connected with our legitimate services.

You must not:

Introduce malware, harmful code or automated attacks
Attempt to bypass website security
Scrape or copy website data without permission
Use our name, licence, logo or content to impersonate us
Use the website to send abusive, defamatory or unlawful communications
Submit excessive, automated or fraudulent enquiries
Misrepresent an affiliation with our company

11. Intellectual Property

Unless otherwise stated, the website design, written content, logo, graphics and other materials are owned by or licensed to Jaya Ringgit Credit.

You may view and print reasonable extracts for your own personal use.

You may not reproduce, republish, modify, distribute, sell or commercially exploit our website content without prior written permission.

12. Third-Party Services and Links

Our website may provide access to third-party services or links, including WhatsApp, map services or other external platforms.

Third-party platforms operate under their own terms and privacy policies.

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.

13. Privacy and Personal Data

Our collection and use of personal data are explained in our Privacy Policy and Personal Data Protection Notice.

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.

14. Limitation of Liability

To the extent permitted by law, Jaya Ringgit Credit will not be liable for indirect, incidental, consequential or special loss arising solely from:

Temporary website unavailability
Third-party platform failures
A user’s failure to protect personal devices or account credentials
Unauthorised communications falsely claiming to represent our company
Reliance on general website information instead of a final written agreement

Nothing in these Terms and Conditions excludes any liability or consumer right that cannot lawfully be excluded.

15. Indemnity

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.

16. Suspension or Termination of Access

We may restrict or terminate access to the website where we reasonably believe that:

The website is being misused
A user is attempting fraud or unauthorised access
There is a security risk
Access must be restricted to comply with law or regulatory requirements

17. Changes to These Terms

We may update these Terms and Conditions from time to time.

The latest version will be published on this page together with the revised “Last Updated” date.

Continued use of the website after an update constitutes acceptance of the updated terms, subject to applicable law.

18. Governing Law

These Terms and Conditions are governed by the laws of Malaysia.

Any dispute shall be subject to the jurisdiction of the courts of Malaysia, unless another procedure is required under applicable law.

19. Complaints and Enquiries

For complaints or enquiries, contact:

We will take reasonable steps to review and respond to legitimate complaints.