By using www.quanfacapital.com, including any of its sub-domains (the "Website"), you signify that you have read, understood, and agreed to be bound by all of the Terms & Conditions below, whether or not you are a registered member of the Website.

LOAN AMOUNT

The Lender has agreed to lend to the Borrower the amount stipulated in the Schedule J Money Lending Agreement, in Malaysian Currency (the “Loan” or the “Personal Loan”).

PURPOSE

The Borrower undertakes to use the Loan, or any portion thereof, for legitimate and legal purposes only, and shall not use the Loan for any purpose, or in any endeavor, which is against Malaysian laws, rules, and regulations.

TERM

The Loan shall have a term of not more than the date stipulated in the Schedule J Money Lending Agreement (“Agreement”), which term shall start from the date of the Borrowers’ receipt of the Loan, or any portion thereof.

DUE DATE

The expiration of the Loan Term shall be on the date stipulated in the Schedule J Money Lending Agreement (the “Pay Day”).

In the event of the extension of a Loan Term, the expiration of such extended Loan Term shall be on a date set by the Lender (the “Extended Due Date”).

LOAN TERM EXTENSION

The Loan Term may be extended subject to additional terms and conditions set by the Lender including but not limited to the following:

• The Borrower shall request for an extension of the Loan Term from the Lender on or before the Due Date.

• Every request for extension of the Loan Term shall not exceed Thirty (30) days from the Due Date;

• The Borrower shall pay any additional fee, charges, and/or interests (the “Loan Term Extension Fees”); and

• If the Borrower requests for an extension of the Loan Term after Due Date, the extension of the Loan Term commences from the date the Borrower complies with all the terms and conditions under this Section.

In the event the Borrower requests for additional extensions of the Loan Term, over and above the initial request for extension of the Loan Term, the additional terms and conditions shall likewise apply:

• The Borrower shall request for an additional extension of the Loan Term from the Lender on or before the Extended Due Date/s.

• Each additional request for extension of the Loan Term shall not exceed Thirty (30) days from the Extended Due Date;

• The Borrower shall pay the Loan Extension Fees for each request for extension of the Loan Term;

• If the Borrower requests for an additional extension of the Loan Term after the Extended Due Date, the extension of the Loan Term commences from the date the Borrower complies with all the terms and conditions under this Section.

LOAN RELEASE

The Loan shall be released to the Borrower vide bank transfer to the Borrower’s bank account and the released of Loan shall be subject to the Borrower’s compliance with all the terms and conditions herein as required by the Lender. The Borrower’s receipt of the Loan or any portion thereof shall signify his agreement to all the terms and conditions and the provisions of the Agreement.

PAYMENT

The Borrower shall pay the Loan, including all applicable fees, charges, and/or interests, in full, on or before Due Date, without need of any further notice or demand from the Lender in accordance with the terms and conditions pursuant to the Agreement. The Lender may grant the Borrower a grace period of three (3) days in the event that the Borrower fails for the time to pay the Loan or any part thereof within the Due Date.

All payments to be made by the Borrower under these Terms and Conditions shall be paid to the Lender not later than 7:00pm to the Due Date of the Payment. Any payment made by the Borrower after such time shall be considered as payment made for the next working day and shall be subject to applicable fees and charges.

FEES AND CHARGES

The Borrower shall, for his/her own account, pay all reasonable costs, charges, fees, and/or expenses incurred in connection with the release of the Loan, and any other documentation required thereunder and/or any amendment of the Agreement, which total reasonable costs, charges, fees, and/or expenses may include a service fee, processing fee, documentary stamp tax, and other legal fees.

INTEREST

The Borrower agrees to pay the Lender interest on the Loan, or the balance thereof, if applicable, at the rate of one point five percent (1.5%), calculated on a monthly basis.

LATE PAYMENT FEE

If the Borrower fails to pay in full the Loan, and other applicable fees, charges, and/or interests, to the Lender on Due Date, or at an earlier date by acceleration or otherwise, without a Loan Term Extension, the Borrower agrees and understands that he/she shall be liable unconditionally to pay, without prior written notice from the Lender, a late payment fee will be applied and payable together with and in addition to the principal amount of the Loan and other applicable fees, charges, and/or interests due.

The Borrower agrees and understands that he/she shall likewise be charged additional late payment fee should he/she fail to pay the Loan in full within three (3) calendar days from Due Date, and a further a late payment fee shall be applicable and payable in full within ten (10), twenty (20) and thirty (30) calendar days from Due Date.

BORROWER’S PARTICULARS

The Borrower shall notify the Lender promptly in writing of any change in his employment office, home address, and contact information and as may be required by the Lender, any other information previously provided to the Lender in connection with the Loan. In the event that the Borrower fails to notify the Lender on any of his changed-particulars as referred herein, the Lender shall continue to send all notices to the Borrower’s last known address pursuant to the record held by the Lender and such notices sent by the Lender shall be deemed as good faith and in compliant with the applicable laws and/or regulation.

COMMUNICATIONS

All messages or communications (including approval of the Loan) sent to the Borrower’s contact details, including email address and/or phone number (“Borrower’s Contact Details”) held in record by the Lender. It is agreed that once the message or communication is sent to the Borrower’s Contact Details, the Lender shall held no responsibility for its security, confidentiality, or any acts of any respective service providers (email service provider, mobile operator), nor shall the Lender be held responsible for any acts of the Borrower’s Contact Details.

In order for the Lender to render prompt and accurate service, the Borrower authorizes the Lender to record, without the Lender being necessarily obliged to do so, any and all telephone conversations between the Borrower and the Lender, regardless of who initiated the telephone conversation.

Such authorization to record includes, but is not limited to, recording of instructions, statements, complaints, inquiries by the Borrower, and information regarding the loan and reminders by the Lender. The Lender may use the recorder telephone conversation as proof of the borrower’s acceptance to any offer or additional or revision of terms made through telephone. The Lender may also use such recordings for any legal purpose, particularly as evidence in any judicial or administrative hearing or proceeding.

EXEMPTION FROM LIABILITIES

The Lender shall not be responsible for any losses or damages which the Borrower or any other person(s) may suffer or incur due to any delay or refusal of the Lender to grant or to continue to grant the whole or part of the Loan to the Borrower and the Lender shall not be obliged to give any reason for such delay or refusal.

Without prejudice to the foregoing, and to the extent not contrary to applicable law, the Lender shall not in any responsible for or liable to the Borrower for any losses or damages which the Borrower may suffer in respect of any revision of the amount, suspension or termination of the Loan, changes to any of these Terms and Conditions or any other exercise of the Lender’s rights under these Terms and Conditions, at law or in equity.

EVENT OF DEFAULT

Without prejudice to any other terms in the Agreement and the Lender’s right to demand immediate repayment of the Loan which is repayable on demand, the Borrower shall immediately repay the outstanding and unpaid Loan together with any applicable charges and fees, and all other applicable expenses and monies payable in relation to the Loan upon the occurrence of any of the event of default stated herein:

• Any other money that the Borrower owes the Lender under the Loan is not paid when due;

• The Borrower fails to pay on the Due Date any amount the Borrower shall pay under the Agreement or does not comply with any obligation under the Agreement and/or any guaranteed document.

• Proceedings are taken against the Borrower or the Borrower's property, or the criminal case is conducted against the Borrower, which in the opinion of the Lender, may have a significant adverse effect on the Borrower's ability to perform its obligations under the Agreement;

• The Borrower commits or threatens to commit a breach of any of the terms and conditions of the Agreement;

• The Borrower becomes insolvent or the Borrower has taken any step for making of a bankruptcy petition or bankruptcy order against the Borrower;

• The Borrower dies or becomes loss of capacity for civil act;

• Any of the Borrower’s declaration or representation set out in these Terms and Conditions or the Agreement, as varied from time to time, is or has become untrue;

• If any governmental authority condemns, nationalizes, seizes or otherwise expropriates, or seals, blocks or freezes, or uses for public purposes or for the purposes of national defense or security and other similar special circumstances, all or any substantial part of the property or other assets of the Borrower;

• If any provision of these Terms and Conditions governing the Agreement is, or is alleged by the Borrower to be, or is declared by any governmental authority or court to be, ineffective, invalid, illegal or void, in whole or in part;

• If a court of competent jurisdiction issues a judgment or decision against the Borrower; or an arbitration body of competent jurisdiction issues an award against the Borrower; or

• Any other events which shall have occurred or circumstances that arise which gives the Lender reasonable grounds to believe that the Borrower may not be able to perform or comply with any of obligations.

CONSEQUENCES OF DEFAULT

Upon occurrence of an Event of Default, the Lender may, at its sole discretion, without need of notice or demand, and without limiting the Lender’s rights under applicable laws or under the Agreement:

• Take such action and exercise such remedies in order to protect and enforce its rights under the Agreement;

• Declare the Agreement, including all unpaid applicable fees, charges, and/or interests, to be immediately due and payable, without need of notice, demand, or protest of any kind, all of which are herein expressly waived by the Borrower;

• The applicable fees, charges, and/or interests on the Loan, as indicated in these Terms and Conditions, shall continue to run until full payment of the Loan, including all fees, charges, and/or interests, have been paid.

• The rights available to the Lender under the Agreement may be exercised by the Lender alternatively, successively, concurrently, and/or cumulatively, at the option of the Lender.

DISCLOSURE INFORMATION

The Borrower irrevocably and unconditionally consents for the Lender, and any officer of the Lender, to disclose any customer information relating to the Borrower or any information whatsoever relating to the Borrower as the Lender shall consider appropriate to any person to whom disclosure is permitted or required by any statutory provision or law or to any other person wherever situate for any purpose whatsoever and it is hereby agreed that the Lender and any officer of the Lender may disclose the foregoing information to the fullest extent permitted by any statutory provision or law.

The rights conferred on the Lender herein shall be in addition to and shall not be in any way prejudiced or affected by any other agreement, expressed or implied, between the Borrower and the Lender in relation to any information referred to herein nor shall any such other agreement be in any way prejudiced or affected by any provision herein. This consent and provision shall survive the termination of Agreement, and/or the termination of any relationship between the Borrower and the Lender, for any reason whatsoever.

PRIVACY IN INFORMATION

The Lender shall observe privacy of personal information of the Borrower obtained in connection with the Loan documentations. The Lender, including its employees, agents, representatives, officers, and directors, who are involved in the processing of the Borrower’s personal information, shall operate and hold personal information under strict confidentiality, which undertaking shall survive the termination of these Terms and Conditions.

PROCESSING AND USE OF INFORMATION

The Borrower expressly consents to the use by the Lender of any information provided by the Borrower, or otherwise obtained by the Lender, in relation to or in connection with the Agreement, for the purpose of enforcing the Borrower’s obligations under the Agreement. The Borrower likewise expressly consents to the collection and processing of personal information about and/or relating to the Borrower, and to transfer of such information to third parties, including, without limitation, any of the affiliates or subsidiaries of the Lender, credit bureaus, government agencies, and collection agencies.

REPRESENTATIONS AND WARRANTIES

• The Borrower warrants and represents that all information, declarations, representations, and warranties made or given by him or as evidenced by any documents given to the Lender in connection with the Loan and all particulars indicated in the Agreement relating thereto are and will continue to be true and correct in all respects and will be complied with at all times.

• No litigation, arbitration or administrative proceeding is taking place or pending or threatened against the Borrower or its assets, and no tax liability claim is taking place or pending or threatened against the Borrower or its assets.

• The Borrower confirms that the Lender is entitled to rely on the said information, declarations, representations and warranties in granting the Loan and that he shall immediately upon request furnish the Lender with all such documents, statements, information and explanation as may be reasonably required by the Lender from time to time regarding his affairs, state or condition, financial or otherwise, that may affect the Lender's decision in granting or in continuing to grant the Loan to the Borrower.

• The Lender agrees to offer the Loan which can be unsecured, partially secured, or fully secured type. However, in case that there is any change on security requirement as caused by any reason, the Lender reserves the right to change the conditions of security type of the Loan at any time. Moreover, the Loan may be terminated at the Lender's absolute discretion and the whereupon all monies owing to the Lender under the Loan and these Terms and Conditions together with all charges (if any) thereon shall immediately become due and payable to the Lender.

TERMINATION

The Borrower may terminate the Loan by giving the Lender written notice of such termination and by paying all monies owing under the Loan and these Terms and Conditions together with all fees, charges, and/or interests, if any.

Notwithstanding anything to the contrary herein, the Lender may at any time at its absolute discretion cancel the Loan and terminate the Agreement without giving any reason therefore and without prior notice to the Borrower to the extent not contrary to applicable law. All monies owing under the Loan and these Terms and Conditions together with all charges, if any, shall immediately become due and payable on demand.

OTHER TERMS AND CONDITIONS

• ASSIGNMENT. The Lender may assign or transfer any or all its rights in these Terms and Conditions without the Borrower’s consent. The Borrower may not assign or transfer any of his/her rights under these Terms and Conditions without the Lender’s prior written consent.

• NON-EXCLUSIVITY. No right or remedy conferred upon or reserved to either party herein is exclusive of any other right or remedy herein, or that provided or permitted by law or equity; but each shall be cumulative of any other right or remedy available to such party under these Terms and Conditions and existing laws.

• COMPLETE AGREEMENT. These Terms and Conditions constitutes the entire agreement…No amendment to this Terms and Conditions shall be allowed unless made in writing and signed by the parties.

• AMENDMENT. No amendment to the Agreement shall be allowed unless or otherwise as permitted by the applicable law. Notwithstanding the aforesaid, the Lender shall upon written notice to the Borrower, have the discretion to amend the details of, including but not limited to the Loan, interest rate, installment amount, and Due Date. If the Borrower is not agreeable to such amendments, then, the Borrower shall have the right to terminate the Agreement by way of written notice to the Lender before the date of the amendments take into effect, and all sums owing and charges, if any, by the Borrower with respect to the Loan and these terms and Conditions shall be paid to the Lender in full. The continued use of the Loan by the Borrower, notwithstanding the notice, shall automatically deemed to be an implied agreement to the amendments.

• BINDING ON SUCCESSORS AND ASSIGNS. These Terms and Conditions shall bind on the parties and their respective successors-in-interest and assigns.

• INDULGENCE NOT WAIVER. The failure of either party to insist upon a strict performance of any of the terms, conditions and covenants of these Terms and Conditions shall not be deemed a relinquishment or waiver of such breach or default unless such waiver is in writing and signed by the authorized representative of the party making the waiver.

• SEVERABILITY. If any one or more of the provisions of these Terms and Conditions are declared invalid, illegal, or unenforceable in any respect under the applicable law by any competent court, the validity, legality, or enforceability of the remaining provisions contained herein shall not in any way be affected or impaired.

• OUTSOURCING. The Borrower agrees and allows the Lender to outsource the management and/or collection of debt as well as the litigation process to a third party, at the sole discretion of the Lender.

• CHANGE IN NAME. The Change of the Business Name of the Lender for any reason, in all cases, shall not lead to the termination of these Terms and Conditions and the Borrower must comply with its obligations under the provisions of these Terms and Conditions and/or the Agreement.

• ACCEPTANCE. The Borrower confirms that he has in the choice of language as chosen by the him/her, read, understood and agreed to the entire Terms and Conditions constituting the above provisions and/or any other documents, including the Privacy Policy and the Notice to Loan Applicants pursuant to the Personal Data Protection Act 2010. The Borrower understood that the Lender has agreed to grant a loan to the Borrower only after the Borrower has agreed to abide the Terms and Conditions contained herein.

This Privacy Policy outlines how Quan Fa Capital Sdn Bhd or “We” or “us” collect, use, maintain and disclose your personal data in respect of the Services as defined in this Privacy Policy and how Quan Fa Capital Sdn Bhd. safeguards the Personal Data as defined in this Privacy Policy.

The User Consent

When you request information or sign up for our services or when you enter into any transactions with Quan Fa Capital Sdn Bhd you may be required to provide Quan Fa Capital Sdn Bhd with your personal data. In doing so, you consent to its use by in accordance with this Privacy Policy. Your consent to this Privacy Policy shall include full and express consent to the actual or possibility of collecting, processing, cross-border transfer and storing of Personal Data, as defined in this policy, when you sign up for, access, or use www.quanfacapital.com (the “Website”), any of its features, processes, functions and its related services (collectively “Services”).

Scope of Use

This Privacy Policy informs you of our policies on your privacy rights regarding our collect, use, maintain and disclose of your information when you use the Website. This Privacy Policy applies to all information we process in connection with your relationship with us as a customer or potential customer.

Types of Personal Data

While using the Website, we may ask you to provide us with certain personally identifiable information that can be associated with you or that can be used to contact or identify you.

Personal identifiable information refers to any information that relates directly or indirectly to an individual, who is identified or identifiable from that information or from that and other information in the possession of Quan Fa Capital Sdn Bhd (“Personal Data”).

The types of Personal Data we collect may include, but is not limited to your name, address, other contact details, age, occupation, marital status, financial information such as your income, or income tax particulars your identity card or passport, place of birth, credit history and your transaction history.

We may require photographs of your Personal Data, as may be applicable, during the application process or while the loan is still active, in order to verify all information you supplied to us.

We shall reserve the right, with prior notice to you, to amend the type of Personal Data you may need to provide by adding new components or deleting existing components from our required identification procedure from time to time.

Please note that if you use our Website or Services in place of other people, such as your family, friends or employees, you must ensure that you are authorized to provide us with their Personal Data. Use of the Website in this manner automatically presumes that you have obtained proper authorization from the owner(s) of the Personal Data and have informed said person(s) of this Privacy Policy. We shall not be held liable for the collection, use, storage, processing, disclosure of all Personal Data under this paragraph.

If you choose not to provide us with any Personal Information we require from you, or if you withdraw your consent, at any time during your use of our Services, to the collection, use, maintenance and disclosure of any Personal Data, as defined in this Privacy Policy, we reserve the right to refuse your request for, or the continuation of, any of our Services.

How We Collect Your Personal Data

We obtain your personal data in various ways, such as:

• When you sign up for our Services; and/or

• When you contact Quan Fa Capital Sdn Bhd through various methods such as application forms, emails and letters, telephone calls and conversations you have with Quan Fa Capital Sdn Bhd’s staff. If you contact us or we contact you using telephone, we may monitor or record the phone call for quality assurance, training and security purposes; and/or

• From our analysis of your transactions (e.g. payment history or loan) and/or;

• We may also obtain your Personal Data when you participate in customer surveys or when you sign up for any of our Services; and/or

• When We obtain any data and information from third parties (e.g. credit reference agencies, regulatory and enforcement agencies, employers, joint account holders, guarantors, legal representatives, spouses, parents, guardians, dependents and/or companies/partnership that you hold directorships, shareholdings or partnership in); and/or

• From publicly available sources.

Personal Data that We Collect From Our Website

IP Address

An IP address is a number that is automatically assigned to your computer when you signed up with an internet service provider. When you visit our website, your IP address is automatically logged in our server. We use your IP address to help diagnose problems with our server, and to administer our website. From your IP address, we may identify the general geographic area from which you are accessing our website. Generally, we do not link your IP address to anything that can enable us to identify you unless it is required by law and regulation.

Information on Cookies

A cookie is an element of data that a website can send to your browser, which may then store it on your system (“Cookies”). We may use Cookies or similar technologies on your computer or other device to record information. The information that we collect is then used to ensure a more personalized service level for our users. You can adjust settings on your browser so that you will be notified when you receive a cookie. Please refer to your browser documentation to check if Cookies have been enabled on your computer or to request not to receive Cookies. You are free to decline our Cookies on your computer or other device, unless our Cookies are required to prevent fraud or ensure the security of websites we control. However, use of the Website may be limited if you do not accept our Cookies.

What is the Purpose of Processing Your Personal Data?

The Personal Data we collect from you will be used to allow us to perform the Services requested from us. We may use your Personal Information to:

• To assess your application for our Services;

• To facilitate your use of the Website’s Services, and/or access to the registration of your Website account, if any;

• To verify your identity and contact details;

• To verify your financial standing through credit reference checks;

• To process transactions and send notices about your transactions;

• To contact you and update you on the performance of our Services;

• To communicate with you and process your requests;

• To offer surveys, promotions, and marketing communications;

• To improve our Website content and layout;

• To improve our Services;

• To provide electronic funds transfer services, credit card account processing and related services;

• To contact supplied personal references to verify accuracy of information and coordinate as to the identity and personal circumstances of the client;

• To respond to any inquiries, comments, or concerns regarding our Services;

• To provide customer support;

• To collection of delinquent accounts;

• To exercise of Quan Fa Capital Sdn Bhd legal rights for the protection of its interests;

• To evaluate your financial needs and to continue performing the contractual obligations entered into between the Quan Fa Capital Sdn Bhd and you;

• For internal functions such as evaluating the effectiveness of marketing, market research, statistical analysis and modelling, reporting, audit and risk management;

• To prevent fraud or detect crime or for the purpose of investigation; and/or

• Other specified and legitimate purposes determined and declared before, or as soon as reasonably practicable after collection of the Personal Information; and/or

In addition, we may also use your Personal Data for the fulfilment of any regulatory requirements and for any other reasons connected with providing you the Services you require and fulfilment of any transactions entered into by you with Quan Fa Capital Sdn Bhd. 

If you use/used our Website or Services in place of any such person(s) including but not limited to your family members, friends and/or employees (“other data subjects”), you warrant that, to the extent required by the applicable law(s) and/or regulation(s), you have provided notice and have obtained consent from these other data subject in relation to us processing of their Personal Data as described in this Privacy Policy (and will provide such notice or obtain such consent in advance of providing similar information in future). You further warrant that any such consent which has been granted by these other data subjects shall be for the period reasonably required for the realization of the relevant permitted purposes as described in the Privacy Policy. Please note that we shall not be held liable for the collection, use, storage, processing, disclosure of the Personal Data under this paragraph and all parties hereby acknowledge and agree that the aforementioned consent may not be required if such consent is not required under the Personal Data Protection Act 2010.

Please take note that we do not share your Personal Data with any third parties for their business purposes, such as, including without limitation, marketing and advertising without your express consent and authorization.

Service Providers

We may employ third party companies and individuals to facilitate our Service, to provide the Service on our behalf, to perform services-related actions or to assist us in analyzing how our Service is used, or to assist us in the collection of delinquent accounts.

These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose, use, or store your Personal Data for any other purpose.

Disclose of Personal Data

We may disclose your Personal Data with third-parties, which includes, but is not limited to the following entities:

• Affiliates and/or Members of the Quan Fa Capital Sdn Bhd corporate family, including Quan Fa Capital Sdn Bhd direct and indirect subsidiaries, to assist in providing the Services listed in the Website, to help detect and prevent potentially illegal acts and violations of our policies, and to provide proper data analytics on the use of the Website, including marketing communications;

• Courts of Law, government officials, law enforcement, or other regulators in relation to a subpoena, court order, or other legal process or requirement under the law of Malaysia or regulation, when we need to do so to comply with such law or regulation, or when we believe, in our sole discretion, that the disclosure of Personal Data is necessary to prevent physical harm or financial loss, or to report suspected illegal activity or investigate violations of our terms and conditions;

• Credit bureaus and collection agencies to report account information, as permitted by law.

• Customer support for customer service purposes;

• Banking or financial partners, as permitted by law or as required by the contractual business relationship;

• Legal department, to ensure compliance with government rules and regulations and to protect us against harm to the rights, property, or safety, the other users of the Website or the public, as required or permitted by law;

• Service Providers, to enable service providers under contract with us to support our business operations, such as fraud prevention, bill collection, marketing, customer service and technology services.

• Please note that some of these third parties may be located in other countries with different rules and regulations on processing personal information. By agreeing to this Privacy Policy, you acknowledge that your Personal Data can be transferred cross-border to other countries and you are consenting to such transfer including for storage purposes.

Special Notice - Minors

Use of the Website is not aimed at persons under 18 years old and we will not collect, use, provide or process in any other form any personal information of persons under the age of 18 deliberately.

We therefore also ask you, if you are under 18 years old, please DO NOT send us your personal information (for example, your name, address and email address). If you are under 18 years old and you nevertheless wish to ask a question or use this Website in anyway which requires you to submit your personal information please get your parent or guardian to do so on your behalf.

Accuracy of Personal Information

If you would like to review, change or delete any Personal Data you have supplied us with, please contact us immediately using our contact information listed below.

Personal Information Storage

We will only retain your personal data for as long as necessary to fulfil the purpose(s) for which it was collected or to comply with legal, regulatory and internal requirements. Afterwards we will destruct or permanently delete your data in a secured manner and in accordance with applicable laws and regulations, after such Personal Data is no longer necessary and ceases to be relevant for our Services, unless applicable laws and regulations require otherwise, or unless the requested by the user in writing.

Security

Security of your Personal Data is our priority. Except as indicated in this Privacy Policy, we do not disclose your Personal Data to third parties without your express consent. Further, we take all reasonable procedures and exert our best efforts to ensure all Personal Data received shall be kept confidential and secure, whether online or offline. We protect your Personal Data using a variety of technical and administrative security measures to reduce the risks of loss, misuse, unauthorized access, disclosure and alteration. We may use and amend from time to time various security measures, as new technology becomes available, as appropriate, such as firewalls and data encryption, access controls to data centers. If we disclose any of your Personal Data to our authorized agents or service providers, we will require them to appropriately safeguard the Personal Data provided to them.

Mobile Accessibility

We may offer you the ability to connect with our Services using a mobile device, either through a mobile application or via a mobile optimized website. The provisions of this Privacy Policy apply to all such mobile access and use of mobile devices.

User Confidentiality

To further secure the privacy of your Personal Data, we advise to keep your any account details confidential at all times.

External Links

The Website may contain links to other sites that are not operated by us. If you click on a third-party link, you will be redirected to that third party's site. We strongly advise you to review the Privacy Policy of every site you visit. We have no control over, and assume no responsibility for the content, privacy policies or practices of any third-party sites or services.

Access/ Correct / Update of Personal Data

We are committed to ensure that the Personal Data we hold about you is accurate, complete, not misleading and up-to-date. If there are any changes to your Personal Data or if you believe that the Personal Data, we have about you is inaccurate, incomplete, misleading or not up-to-date, please contact us so that we may take steps to update your Personal Data.

You have the right to access your Personal Data. If you would like to request access to your Personal Data, please contact us. Please note that depending on the information requested we may charge a small fee. We may also take steps to verify your identity before fulfilling your request for access to your Personal Data.

Privacy Policy Updates

Please note that we may update our Privacy Policy from time to time. We may amend this Privacy Policy at any time by posting a revised version on the Website. You are advised to review this Privacy Policy periodically for the latest information. Changes to this Privacy Policy are effective from the date of posting. If there are material changes to this Privacy Policy, we will notify you by posting a notice of such changes on our Website or by sending you a notification directly. By continuing to use our Services, you accept and consent to the updated terms of this Privacy Policy.

This Privacy Policy was last updated in May 2021.

Inquiries and Complaints

If you believe your account or any of your Personal Data may have been misused or abused, or if you believe that the security and protection of your respective Personal Data may have been compromised, you may lodge your inquiries and complaints to the Contact Information below and briefly discuss such matter, together with your contact details for reference.

Contact Information

Accordingly, if you have questions or concerns regarding this Privacy Policy, or if you want to inquire or request for information regarding any matter relating to the processing of your respective Personal Data, you can contact us through the following information:

Email:

Contact Number: 03-8751 9556

Address: NO.8-1(1st floor), Jalan KP ½, Taman Kajang Prima, 43000 Kajang, Selangor.

NOTICE TO THE LOAN APPLICANTS PURSUANT TO THE PERSONAL DATA PROTECTION ACT 2010 (“NOTICE”)

1. Quan Fa Capital Sdn Bhd (“Quan Fa Capital -”, “we”, “our” or “us”) hereby notify you, as our valued customers or potential customers or loan applicants that this notice is served on you pursuant to the Personal Data Protection Act 2010 (“PDPA”). For the purpose of this written Notice, the terms “personal data” and “processing” shall have the same meaning as prescribed in the PDPA.

WHAT KIND OF PERSONAL DATA WE COLLECT AND HOW WE COLLECT IT

2. When you choose to apply loan with us, we will acquire personal data about you through several methods, which include but not limited to:

• personal data such as name, address, e-mail address, telephone number, occupation, assets and income from your applications or other forms;

• personal data from credit bureau reports, credit reporting agencies, authorities and/or corporations;

• personal data obtained during the appointment session with us or during assessment session; and

• other written communications with us or documents provided to us prior to and during the course of our business conduct.

(all the above shall be collectively known as “Personal Data”)

HOW WE USE YOUR PERSONAL DATA

3. We collect personal information so that we can:

• Accept and process your application for a loan;

• Assess your personal and/or commercial creditworthiness;

• Make a determination about the risk of you defaulting on your obligations to us;

• To undertake (where appropriate) the risk assessment and management involving securitization, credit scoring, portfolio analysis, reporting and fraud prevention and claim recovery;

• If your application is successful, provide you with a loan and determine on what terms we will do so;

• Manage your loan account with us;

• For all other purposes incidental and associated with any of the above.

DISCLOSURE OF YOUR PERSONAL DATA

4. Please be informed that if you are not able to provide us with your Personal Data, we will be unable to process your application. We will not use the Personal Data we have collected for purpose other than that disclosed in this Notice without your consent, or in circumstances where you would reasonably expect the use for that purpose.

5. Also, under no circumstances will we ask you to reveal your EPF passwords. In addition, we will not make unsolicited requests for your Personal Data through email or the telephone, unless you initiate contact with us. We will not use or disclose information collected from you other than the purpose made known to you, authorized by you or required by the law. From time to time, we may disclose your Personal Data to:

• Credit reporting bodies, ratings agencies and any business which provide information about the credit worthiness of persons with whom we have a commercial arrangement;

• Your financial advisers (if any) if permitted by you;

• Our financial consultants.

PERSONAL DATA PROTECTION PRINCIPLES THAT WE ADHERE

6. Security Principle

We emphasize on the security of your Personal Data and will take practical steps to protect your Personal Data from any loss, misuse, modification, unauthorized or accidental access or disclosure, alteration or destruction.

7. Disclosure Principle

Personal Data provided by you shall be processed and used in Malaysia. However, if your Personal Data is to be transferred out of Malaysia for the purpose related to your loan as authorized by you, we shall ensure that the Personal Data shall only be transferred to countries which have data protection laws equivalent to PDPA or provide better protection from the provisions of PDPA. If your Personal Data need to be transferred to other countries which do not have data protection laws or laws which do not provide protection equivalent to the provisions of PDPA, we shall ensure that all processors and data users shall comply with all provisions of PDPA.

8. Retention Principle

We agree that we:

• will only process your Personal Data in accordance with the instructions given by you and in accordance with the PDPA;

• take appropriate measures in terms of management and technical services to protect the Personal Data from:

i. any processing or usage of Personal Data which is not authorized or

ii. the loss or destruction of the Personal Data caused from our negligence;

• will not keep your Personal Data longer than is necessary for the fulfilment of the lawful purposes which are permitted by law.

9. Data Integrity Principle

Reasonable steps will be taken to ensure that your Personal Data is accurate and relevant only to the lawful purposes to which it was obtained for. Kindly notify us by contacting or visiting our office when the Personal Data provided earlier becomes incorrect or inaccurate.

10. Access Principle

Subject to payment of a fee you may request access to and correction of your Personal Data which is held by us. The form can be obtained by contacting us or visiting our nearest branch.

11. If you have reason to believe that we have violated the principles set out in this PDPA Notice, we urge you to raise this matter to us by requesting a form from us which enable you to explain and express your concerns to us.

12. Where indicated, specifically in the loan application form, it is obligatory to provide your Personal Data to us to enable us to process your loan application. If you elect to withhold any Personal Data this may adversely affect your application and / or for us to continue with your loan application.

13. We may review and update this PDPA Notice from time to time and will place notice of such amendments on our office or via any other mode we shall deemed suit. By continuing your relationship with us after communication of the revision and update you are deemed to have accepted and consented to such revision and update.

This Notice was last updated in May 2021.

14. Notice and Choice Principle

By providing your address, email address, telephone number, facsimile number or other contact methods you agree and consent that we may contact you through letters, emails, phone calls, facsimile or such other methods. Kindly be informed that you have the right to withdraw the consent granted to us for the above matters at any time by visiting our office by completing the prescribed form.

How to contact Quan Fa Capital Sdn Bhd:

ADDRESS: NO.8-1(1st floor), Jalan KP ½, Taman Kajang Prima, 43000 Kajang, Selangor.

CONTACT NO: 03-87519556

EMAIL: