Introduction
Thank you for choosing SmartCASH (hereinafter referred to as "we," "us," or "this App"). This App is officially developed and operated by KEDAI EMAS PAJAN SDN. BHD. We understand the importance of protecting your privacy and personal information security and are committed to strictly complying with relevant laws and regulations to properly handle and protect your personal information.
Licensed Institution
As a licensed and compliant financial services institution, we have obtained a KPKT license (License No.: WL3751/01/01-11/141226), valid until December 14, 2026. This regulatory compliance ensures that we can provide you with safe and reliable financial services throughout our operations and effectively protect the security of your funds and information.
Intellectual Property Protection
All content in this app, including but not limited to text, images, icons, audio, video, interface design, software programs, source code, databases, functional modules, page layout, trademarks, and other related materials, is the intellectual property of our company or its legal rights holders and is protected by copyright, trademark, patent, and other relevant laws and regulations.
Usage Restrictions
Without our prior written permission or that of the relevant rights holders, no entity or individual may copy, reproduce, modify, edit, publish, display, mirror, scrape, sublicense, transfer, sell, or use such content for commercial purposes in any form.
Purpose of Information Collection
We collect your personal information primarily for the following purposes:
Service & Account Management
Creating and managing your account, verifying identity, and processing loan applications.
Personalized Services
Providing customized product recommendations and personalized loan products based on your needs.
Fraud Prevention
Using personal information and behavioral data to detect and prevent potential fraud.
Legal Compliance
Retaining necessary information for financial accounting and compliance checks as required by law.
Specific Information Collected
Personal Information
When you register for SmartCASH, we collect your name, ID number, mobile phone number, and biometric information (such as facial recognition). This is for real-name authentication, secure account login, anti-fraud risk management, and legal identity verification.
Device Information
To ensure the smooth operation of our services on your device, we collect device information, including device model, operating system, IMEI/MAC address, and network type. This information helps us detect abnormal logins, optimize feature compatibility, and assist with anti-fraud and risk management.
Financial Information
When you use this app, we collect your bank account information, transaction records, proof of income, and credit report (uploaded by the user). This information is used to assess loan eligibility, calculate credit limits, and generate repayment plans.
Location Information
When you use SmartCASH services, we may collect your GPS location (obfuscated location) or IP address (non-continuous tracking). This is to verify your frequently used device location and prevent the risk of misuse from other locations.
How We Use Information
We will use the collected information, as authorized by you, to provide services, including but not limited to:
Service Recommendations
Recommending suitable loan products and services
Account Management
For identity verification, account maintenance, transaction processing, etc.
Marketing Communications
With your consent, sending promotional information and relevant advertisements
Data Analysis
Analyzing your behavioral data to optimize your service experience
Third-Party Service Information and Data Sharing
To optimize the service experience, improve credit assessment mechanisms, enhance customer service, and strengthen risk prevention and control, SmartCASH will, after obtaining your explicit authorization, collaborate with compliance-vetted partners and share only the necessary information to provide the service.
How We Store Information
To ensure the security of your personal information, we use the following storage methods:
Secure Data Centers
Your personal information will be stored on our servers or those of our third-party data processing service providers in secure data centers.
Data Retention Period
We will store your personal information for an appropriate period based on business needs and legal requirements.
Data Encryption
All sensitive information (such as payment information and ID numbers) will be encrypted and stored to ensure protection during storage and transmission.
Account and Data Deletion
Users can decide to retain or delete their personal information on our platform. We respect and comply with user deletion requests. We provide the following data deletion procedures:
In-App Deletion Request
Users can submit a deletion request within the app, and we will delete all relevant data upon request.
Email Support
Contact us via email, and our customer service will assist with data deletion. Our official email address is: user@kedaiemaspajan.com
Please note that once account information is deleted, the data cannot be recovered. If you wish to use our services again, you will need to re-register.
Contact Information
user@kedaiemaspajan.com
Business Hours
Monday to Sunday, 8:00 AM - 6:00 PM
Address
No. 22, Jalan Sri Pelangi 4, Taman Pelangi
80400 JOHOR BAHRU, JOHOR
Changes to the Privacy Policy
This Privacy Policy may be updated at any time. All updates will be communicated to you via in-app notifications, email, or other appropriate means. If we make significant changes to our Privacy Policy, we will notify you in advance and provide a clear explanation of the changes.
Please review the Privacy Policy regularly to stay informed of any updates to our data processing practices.