SKS Credit Sdn. Bhd. and its related organisations (hereinafter referred to as "SKS Credit", "we", "our" or "us") recognise and respect your right to privacy. This policy explains how SKS Credit or on our behalf, collect, process, use, disclose, transfer and store your Personal Data.

Your Personal Data is information that relates directly or indirectly to you, which make you to be identified or identifiable from that information and/or other information, including any sensitive Personal Data and expression of opinion; but does not include any information that is processed for the purpose of a credit reporting business carried on by a credit reporting agency.

SKS Credit collect your Personal Data when you submit a form, visit our website or at various other places where you may request for our information or services. These Personal Data may include your:

1. Salutation, full name, identity card number/ passport number, date of birth, gender, nationality, period of stay, race, marital status, number of dependents, permanent address, correspondence address, residence details, contact number and email address
2. Occupation details such as type of occupation, nature of business, name of company, office address, office phone number, position, department, monthly/ annual salary details, salary date, length of service
3. Spouse’s details such as full name, identity card number, contact number, name of company, office address, office phone number, occupation, annual income
4. Emergency contact details such as salutation, full name, type of relationships, correspondence address, contact number
5. Joint-applicant/ guarantor’s details such as salutation, full name, identity card number, date of birth, gender, nationality, period of stay, race, marital status, number of dependents, permanent address, correspondence address, residence details, contact number
6. Employment/ self-employment details such as name of company, address, contact number, nature of business, position, department, salary details, length of service and salary date
7. Photo or video/ CCTV recordings

The list above is not exhaustive and may include other Personal Data depending on the nature of dealings with us.

Cookies and other technology are used to monitor usage of the various features and services of our website, which over time give us information to improve our website, and to advertise and market our products more effectively. When you visit our website, as with most all website, we automatically log the domain name of where you came from, the Internet Protocol (IP) address your computer is currently using, the type of web browsers that you use, Internet service provider (ISP), referring and exit pages, operating system, data/time stamp and click-stream data.

This information allows us to operate the website by serving the pages you visit, and we may use the information for statistical purposes and to track usage patterns. In addition, we use the data we collect to make various determinations in our systems. We may also use this information to personally identify you, the user and/or the user's organisation, for reporting purposes and/or to serve relevant information to you during future browsing sessions.

We treat information collected by cookies and other technologies as Non-Personal Data. However, to the extent that IP addresses or similar identifiers are considered Personal Data by local law, we also treat these identifiers as Personal Data. Similarly, to the extent that Non-Personal Data is combined with Personal Data, we treat the combined information as Personal Data for the purposes of this Privacy Policy.

SKS Credit collect, process, use, disclose, transfer and/or store your Personal Data including any additional information you may subsequently provide, for the following purposes:

1. To handle loan applications, including long-term financing loans, home financing and so on according to the terms and conditions;
2. To handle job applications, inquiries or complaints about the company or the company's products and services
3. To conduct internal data analysis, market research and auditing;
4. To comply with any order of court or directive from authorities investigating any alleged offence; and/ or
5. To enforce any of the terms in the agreements between us.

The Personal Data that SKS Credit collects also allows us to keep you posted on SKS Credit’s latest products, services, upcoming events and information via email, postal mail or telephone. If you no longer wish to receive any communication materials from SKS Credit, please contact us at info@skscredit.com.my and we will remove you from our contact list.

SHARING INFORMATION WITH THIRD PARTIES AND WITHIN SKS CREDIT

We typically only provide your Personal Data to other SKS Credit entities, or to third party service providers who operate certain parts of our website, deliver or resell our products, or help us with some products or services we provide.

Data provided to third parties is stored on systems we do not own and is provided in accordance with our policy. In addition, we may transfer your information across border and from your country or jurisdiction to other countries or jurisdictions around the world.

Some of the individuals/ organisations that we provide the Personal Data include:

1. CTOS credit manager
2. SSM
3. Insurance company
4. Property valuers, estate agents and researchers
5. Law firm
6. Internal departments such as accounts, administration and credit control departments

Our website may contain links to other sites. If you choose to visit any of those websites then their privacy policies would apply. The SKS Credit’s Privacy Policy applies solely to the information collected by us

SKS Credit is committed to taking steps to protect the Personal Data you provide to us, including administrative, technical, and physical measures to safeguard your Personal Data against loss, theft, and misuse, as well as against unauthorised access, disclosure, usage, alteration, and destruction.

Your Personal Data is accessed only by authorised staffs who are instructed to handle your information with confidentiality. It is protected by firewalls and standard industry security measures.

SKS Credit will retain your Personal Data for the period necessary to full the many different purposes outlined in this policy unless a longer retention period is permitted or required by law.

We request your help to ensure that your Personal Data is accurate, complete, and up to date. You may access and request for correction of your Personal Data, to limit the processing of your Personal Data, or to contact us with any enquiries or complaints in respect of your Personal Data by emailing us at info@skscredit.com.my. In the event we decline to process your request, we will inform you of our reason for the refusal.

If we change the way we use your Personal Data we will post the change on our website at https://skscredit.com.my/privacypolicy. We recommend that you regularly visit the webpage to learn of any changes. The change will apply to information you furnish after the change, and existing information we have. If you have any questions regarding this policy, please send us your questions or comments to info@skscredit.com.my