Privacy Noce of QuicKredit
QuicKredit (hereinaer “QuicKredit”, “we”, “us”, or “our”) values your privacy and we are commied
to protecng all personal informaon kept by us in accordance with the relevant laws (including the
Personal Data Protecon Act, 2010), this Privacy Noce and our Terms of Use.
The following terms and condions (“Privacy Noce") shall govern your access and use of our website,
app, and all informaon, content, products, services, and funconality available at or through our
website (www.quickredit.com). This website and app are owned by ManagePay Resources Sdn. Bhd.
("MPay"), which is aliated with ManagePay Services Sdn. Bhd. We are a Malaysian company with our
business address at Wisma MPSB, Lot 113, Jalan USJ 21/10, 47630 Subang Jaya, Selangor, Malaysia.
For the avoidance of doubt, unless the context requires otherwise, the words used in this Privacy
Noce shall have the same meanings as spulated in the Terms of Use.
By using our website and app, you agree to this Privacy Noce, and you will be deemed to have
consented to the collecon, use, and disclosure of your personal informaon in accordance with this
Privacy Noce. You also agree to obtain consent from your customers, employees, agents, and aliates
(“Representaves”) for the use and access of their personal data by us and other third pares.
What is the Policy about?
This Privacy Policy (“Policy”) explains who we are, how we collect, share, and use personal data about
you and/or your Representaves, and how you and/or your Representaves can exercise your privacy
rights. This Policy applies to interacons we have with you via our website, app, and other products
and services including registering as a merchant, where you otherwise contact us, and where we
otherwise display or link to this Policy (“Services”). You may also have certain rights with respect to
your personal data under the applicable laws in Malaysia. Third pares that link from or to our Services,
or from whom we collect personal data may have their own privacy policies and pracces. Please
review their policies to learn more about their pracces. For more informaon about QuicKredit,
please see our website's “About Us” secon.
What personal informaon does QuicKredit collect and why?
The informaon that we collect from or about you – some of which is personal data under applicable
data protecon laws – falls into the following broad categories:
1. Information that you provide to us
As part of our Services, you may provide certain informaon to us, which shall include:
Personal information from you or information of your company, available upon your
access or use of our website and app, and any other information that you directly give
us through this website and app.
Information about your interactions with this website and app.
Information, if any, is necessary to complete a transaction through this website and
app.
Information from written communications when you provide us feedback and
correspondence, or you contact us.
Description of personal data
The personal data that you will provide may include but not limited to:
your name, age, identity card number or passport number;
address of correspondence, including office address;
gender, date of birth;
marital status, details of children and/or guardian(s);
occupation;
income range, financial condition;
contact information, including e-mail address, mobile number; house
number, facsimile
number, and office number;
details of employer;
details of dependants and/or family members;
lifestyle preferences, race, religion, nationality;
information of your web browser including your browsing activity on our
Website; and
any other specific documents required for the Purpose in Clause 3
2. Information that we collect from you automatically
For example:
● Information from you, including your web browser type, Internet Protocol (IP)
address (a number that is automatically assigned to your computer when you use
the Internet, which may vary from session to session), domain name, user profiles,
and/or a date/time stamp for your visit, and, with respect to your mobile phone,
the unique device identifier.
● Information from you when using our mobile application, including contact list and
image information, device information, and connection to our services, which will
help us to enable services such as fund transfer, bill payment, and mobile reload; and
provide features like automatic product updates, personalized content, and
customized search results.
● Information from third-party service providers, with your consent, may include your
profile content or other personally identifiable information.
● Information from corresponding technologies used in connection with mobile
phones, including the Android ID, to record date, time, search and viewing
information related to your mobile phone.
● Information about how you use and interact with this website and app.
● This app collects location data to enable location tracking
3. Informaon that we obtain from other sources
We may receive personal informaon about you from other sources. Where you register
as a user, we may endeavour to check that these third pares have your consent or are
otherwise legally permied or required to disclose your personal informaon to us.
to provide you the access to this website and app;
to identify you as a user in our system;
to develop and update our services;
to notify visitors about updates to our website and app;
to promote our website, app; or products, services and special offers of third parties
whose products and services we think may be of interest to you;
to track your location to be able to deliver location-based services to you;
to improve and customize the quality of experience when you interact with our
website and app;
to send you administrative e-mail responses or notifications, such as security or
support and maintenance advisories;
to respond to your inquiries related to our products as stated on the website, app
or other requests;
to send offers and promotional materials related to our website, app and for
other marketing purposes;
to improve and customize the quality of experience when you interact with this
website, and this website.
for the purposes of enforcing or defending our legal rights and/or obtaining legal
advice;
to assist in the prevention, detection or investigation of crime or possible criminal
activities or for the administration of justice;
for security and internal audit purposes;
for such other purposes as may be directed or consented to by you; and
for all other purposes in relation to or incidental to the above.
What is our legal basis for processing personal informaon?
Generally, we collect personal data from you where: we have your consent to do so; we need your
personal data and company informaon to perform a contract with you (for example, to register
as a merchant with us) where permied under applicable data protecon laws.
The legal basis for the processing of your data can be:
your consent;
our legitimate interest, which can be:
improvement of our products and services: more specifically, our business interests to help
us better understand your needs and expectations and therefore improve our services,
websites, products, and app for our customers benefit;
securing our tools: to keep tools used by you (our websites/apps/devices) safe and secure and
to ensure they are working properly and are continually improving;
the performance of a contract: more specifically to perform the services you request from
us;
legal grounds where processing is required by law.
Location Sharing & Services
QuicKredit app collects location data to enable location-based services even when the app is closed
or not in use, and it is also used to support advertising.
Location sharing allows us and our third-party solution partners to gather and use information
based on the current location of your device to provide a variety of location-based services. For
example, the app would like to know whether you are in Malaysia (where the app and website are
operated) or in another country.
By enabling Location Services for your devices, you agree and consent to the transmission,
collection, maintenance, processing, and use of your location data and location search queries by
QuicKredit and its partners to provide and improve location-based products and services.
You can disable Location Services at any time. To do so, go to Settings > Apps > App Info >
Permissions > Location, and tap Deny to switch off your mobile device's QuicKredit app location-
sharing function.
Usage of Contact List
QuicKredit app does not upload your contact list information to our servers, and all usage of your
contact list is strictly local.
We may use your contact list information solely to provide you with personalized and relevant
content, such as suggestions for friends or connections who you may know, or to improve our
contact service.
We do not share your contact list information with any third parties unless required by law or as
outlined in this privacy policy.
We may also use your contact list to invite your friends or colleagues to use our service, but only if
you have given us explicit permission to do so.
You can disable the usage of contact list at any time. To do so, go to Settings > Apps > App Info
> Permissions > Contacts and tap Deny to switch off QuicKredit app contact list sharing function on
your mobile device.
Loan Terms and Costs
1. Loan Tenure:
The loan tenure for our services typically ranges from a minimum of 3 months to a
maximum of 12 months for unsecured loans, and a minimum of 3 months to 36 months
for secured loans.
2. Interest Rates and Late Payment Charges:
Unsecured Loans: The maximum annual interest rate for unsecured loans is 18%.
Additionally, QuicKredit will charge an annual 8% late payment interest on the arrears
if they are not paid on or before the due date.
Secured Loans: For secured loans, the maximum annual interest rate is capped at 12%.
Like unsecured loans, QuicKredit will charge an annual 8% late payment interest on the
arrears if they are not paid on or before the due date.
3. Example of Total Loan Cost:
As an example, let's consider a loan scenario:
Loan Amount: RM1,000.00
Stamp Duty: 0.5% of the loan amount
Attestation Fee: RM20
Net Disbursement to Borrower: RM1,000 – RM5 (Stamp Duty) – RM20 (Attestation
Fee) = RM975.00
Please note that these terms and costs are provided for illustrative purposes and may vary based
on the specific loan and borrower's circumstances. For accurate and up-to-date information, please
refer to your loan agreement and terms provided by QuicKredit.
Disclosure to Third Party
Your personal data may be disclosed and transferred amongst our holding companies, affiliates,
subsidiaries, associate companies, and jointly controlled entities, and in doing so we will comply
with all applicable laws and regulations.
Use of Cookies
The website uses “cookies” to identify a user’s session on the website and thereby offers continuity
as the member moves around the site. Cookies are only used on the website to store non-critical
data. Cookies are pieces of information that websites transfer to your computer’s hard drive for
record-keeping purposes. Cookies allow websites to maintain user information across connections.
They are small strings of characters used by many websites to deliver data to your computer, and
in certain circumstances, return the information to the website. Cookies contain only information
that members volunteer, and they do not have the capability of infiltrating a user’ hard drive and
stealing personal information. The simple function of a cookie is that of helping the user navigate a
website with as little obstruction as possible.
Google DoubleClick DART Cookie
Google is one of the third-party vendor on our site. It also uses cookies, known as DART cookies, to
serve ads to our site visitors based upon their visit to www.website.com and other sites on the
internet. However, visitors may choose to decline the use of DART cookies by visiting the Google ad and
content network Privacy Policy at the following URL – https://policies.google.com/technologies/ads
How does QuicKredit keep my personal data secure?
Personal data is our asset and therefore we place great importance on ensuring the security of your
personal information. We regularly review and implement up-to-date technical and organizational
security measures when processing your personal data. In processing your personal data, we will
take practical and reasonable steps to protect the personal data from any loss, misuse,
modification, unauthorized or accidental disclosure, alteration, or destruction.
We will notify you about any security incident involving your personal data through email,
correspondence, telephone, push notification or other means.
For how long does QuicKredit retain personal data?
We will retain your personal data in compliance with the applicable laws of Malaysia, this Privacy
Notice and the terms and conditions of your agreement(s) with QuicKredit for the duration of your
relationship with us, for such period as may be necessary for the fulfilment of its purpose and/ or
for the purpose of protecting the interests of QuicKredit and/or its customers as may be deemed
necessary, where otherwise required by the law and/or where required by QuicKredit’s relevant
policies.
When your personal data is no longer needed, we will take all reasonable steps to ensure that all the
personal data is destroyed or deleted.
What are your data protection rights?
You have the right:
to access your personal data that is processed by us with reasonable notice.
Request the correction of your personal data that is held by us with reasonable notice. Your
request for correction and/or update of your personal data that is inaccurate, incomplete,
or out-of-date.
To limit our processing of your personal data by expressly withdrawing your consent given
previously in full, including for direct marketing purposes, or using the information for
scientific or historical research purposes or statistical purposes.
Not to be subject to a decision based solely on automated processing and to have
safeguards put in place if you are being profiled based on your personal information.
Not to be discriminated against for exercising any of the above rights.
If you intend to exercise any of the above, you may contact the relevant department as
follows:
Compliance Officer
Contact No: +603-8023 1880
Fax No: +603-8023 1889
Email: compliance@quickash.com
Postal Address: Lot 107, Jalan USJ 21/10, 47630 Subang Jaya, Selangor
Changes to Privacy Notice
We may review and update the Privacy Notice from time to time to reflect changes in the laws,
our business practices, procedures, and structure.
The latest version of the Privacy Notice will be made available on this website. Where we consider,
at our sole discretion, that the revisions made to the Privacy Notice are substantive, and where
appropriate, will notify you of such changes by e-mail.
If you do not agree to the changes in our use of your Personal Information, you must notify us
immediately and stop accessing and using this website. Continued use of our website, following
notice of such changes, shall indicate your acknowledgement of such changes and agreement to be
bound by the terms and conditions of such changes.
Disclaimer
The accuracy and completeness of your personal data depend on the information you provide.
We assume that the information you have provided is accurate, up to date and complete unless
you inform us otherwise.
