This Privacy Policy outlines how PopLoan ("we"), or "us," collects, uses, maintains, and discloses your personal data in connection with the Services, as defined below in this Privacy Policy, and how PopLoan protects your personal data, as defined below in this Privacy Policy.
When you request information or register for our services, or conduct any transaction with PopLoan, you may be required to provide PopLoan with your personal data. By doing so, you consent to our use of such data in accordance with this Privacy Policy. Your consent to this Privacy Policy shall include your full and unambiguous consent to the actual or potential collection, processing, cross-border transfer, and storage of your personal data, as defined in this Privacy Policy, when you register for, access, or use PopLoan.my or the mobile application, or any of its related features, processes, functionality, and services (collectively, the "Services") through any other means (the "Website") or any of its related features, processes, functions, and services (collectively, the "Services").
Personally identifiable information means any information that directly or indirectly relates to an individual who is identifiable or identifiable through that information or that information in combination with other information held by PopLoan ("Personal Information").
The types of personal information we collect may include, but are not limited to, your name, address, other contact information, age, occupation, marital status, financial information (such as your income or income tax information, national ID card or passport), your place of birth, credit history, and transaction history.
How We Collect Your Personal Information
We obtain your personal information in a variety of ways, such as:
When you register for our services; and/or
When you contact PopLoan through various means, such as application forms, emails and letters, phone calls, and conversations with PopLoan staff. If you contact us or we contact you by phone, we may monitor or record the call for quality assurance, training, and security purposes; and/or
Through analysis of your transactions (such as payment or loan history); and/or
We may also obtain your personal information when you participate in customer surveys or register for any of our services; and/or when we obtain information from third parties (such as credit reference agencies, regulatory and law enforcement agencies, employers, joint account holders, guarantors, legal representatives, spouses, parents, guardians, dependents, and/or if you hold a director, shareholder, or partnership relationship); and/or
From publicly available sources.
Personal Information We Collect from Our Website
PopLoan transmits SMS data from your phone related to financial transactions to https://www.pop-loan.com/. We only collect SMS messages related to financial transactions for a period of 12 months, and your data will be protected and kept confidential. SMS messages are used for risk management and anti-fraud controls. PopLoan will never share your data with third parties without your permission. Data is only collected with your consent. Data is transmitted and downloaded over a secure connection (https).
Once you authorize us to access your call logs, we will conduct a voice call with you. This data will be collected from our landline phone. This is to confirm that you have installed our app on your mobile phone and received our dynamic password verification on your mobile device. This allows your loan to be deposited into your account faster and more reliably. We do not monitor, read, store, or share any private call data.
We collect and monitor your information in apps and financial applications, and upload it to our servers in encrypted form to identify and analyze your behavior and risk, thereby determining whether to process a loan and helping prevent fraud.
We use your phone's IMEI number to ensure that your phone number is not replaced with another phone number when applying for a loan, thereby preventing fraud. We do not automatically obtain users' phone numbers to complete application login pages, nor do we store the data of applicants who are not approved for a loan. If you encounter difficulties, please upload your data to our servers (https://www.pop-loan.com/) so that our external consultants can analyze your multi-borrowing risk and assess loan approval and fraud prevention.
We collect and monitor device location information for risk assessment and scoring. We will upload this location data to PopLoan's servers (https://www.pop-loan.com/), where your data will be kept secure and confidential.
You authorize PopLoan to upload your master account information for risk assessment and loan pre-approval purposes. This data will be encrypted and uploaded to an external server (https://www.pop-loan.com/) to identify and analyze user behavior and risk, thereby helping to prevent fraud.
We will collect all contacts in your phone's address book, including name, phone number, and date added, to improve your credit profile and help you quickly select references for your loan application. We will never store, share, or transmit your data to third parties. We will upload your contact information to PopLoan's servers (https://www.pop-loan.com/). Your data will be kept secure and confidential.
Your calendar reminds you of your payment due dates to prevent late payments from negatively impacting your credit. We will upload your financial calendar data to our servers (https://www.pop-loan.com/) for loan management purposes. Your data is kept secure and confidential.
We collect and monitor specific information about your device, including name, model, region, language, identifiers, hardware and software information, status, usage habits, and unique identifiers (such as IMEI and serial number). This information is used only to identify your device and prevent unauthorized use and fraud. We also collect a detailed list of your installed apps to assess your borrowing preferences and debt situation. This collected data is uploaded to our highly secure PopLoan servers (https://www.pop-loan.com/).
Allow apps to access your camera to capture photos and videos, among other things, to expedite your loan application process. The captured data is uploaded to our PopLoan servers (https://www.pop-loan.com/) where it is kept secure and confidential.
During the loan application process, PopLoan requires your microphone to record a video to verify your identity. This ensures no one can access your account and streamlines the loan process. We will provide your camera data to PopLoan's servers (https://www.pop-loan.com/), where your data will be protected and kept confidential.
All information we collect will be stored on PopLoan's servers (https://www.pop-loan.com/), which are highly protected and will not be shared with any third parties.
In order to provide you with mobile application services or to comply with legal obligations, we may need to collect and use file information. Your personal files are only uploaded to PopLoan's servers (https://www.pop-loan.com/) and we will never share this data with third parties.
If you have any questions or concerns about this Privacy Policy, or would like to inquire or request any information regarding the processing of your personal data, you can contact us at:
Server: https://www.pop-loan.com/
A cookie is an element of data that a website can send to your browser, which may then store it on your system (a "cookie"). We may use cookies or similar technologies to record information on your computer or other device. The information we collect is then used to provide a more personalized service to our users. You can adjust the settings on your browser to notify you when you receive a cookie. Please refer to your browser documentation to check whether cookies are enabled on your computer or to request that you not receive cookies. You are free to refuse our cookies on your computer or other device, unless our cookies are strictly necessary for fraud prevention or to ensure the security of the websites we control. However, if you do not accept our cookies, your use of the website may be limited.
The personal data we collect from you will be used to enable us to provide the services you request from us. We may use your personal data to:
Evaluate your application for our services;
Facilitate your use of the Website services and/or access your Website account registration (if applicable);
Verify your identity and contact details;
Verify your financial status through a credit check;
Process transactions and send you notifications about your transactions;
Contact you to inform you about the performance of our services;
Communicate with you and process your requests;
Offer surveys, promotions, and marketing communications;
Improve the content and layout of our Website;
Improve our services;
Provide electronic funds transfer services, credit card account processing, and related services;
Contact personal references provided to verify the accuracy of information and reconcile the customer's identity and personal circumstances;
Respond to any questions, comments, or concerns about our services; provide customer support;
Collect outstanding bills;
Exercise PopLoan's legal rights to protect its interests;
Assess your financial needs and continue to perform PopLoan's Contractual obligations with you;
For internal functions such as evaluating marketing effectiveness, market research, statistical analysis and modeling, reporting, auditing, and risk management;
Sharing any of your personal data with our joint ventures/business partners to jointly develop products and/or services or conduct marketing campaigns;
Preventing fraud or detecting crime or for investigative purposes; and/or other specific legitimate purposes previously identified and stated, or as soon as reasonably practicable after collecting the personal data.
In addition, we may use your personal data for any regulatory requirements and for any other reason related to providing you with the requested services and fulfilling any transactions you have entered into with PopLoan.
Disclosure of Personal Information
We may disclose your personal information to third parties, including but not limited to the following entities:
Affiliates and/or members of the PopLoan family of companies, including PopLoan's direct and indirect subsidiaries, to assist in providing the services listed on the Website, to help detect and prevent potential illegal activities and violations of our policies, and to provide appropriate data analytics regarding Website usage (including marketing communications);
Courts, government officials, law enforcement, or other regulatory agencies, in response to a subpoena, court order, or other legal process or request under the laws and regulations of Malaysia, when we are required to do so and to the extent necessary to comply with such laws and regulations, or when we, in our sole discretion, believe that disclosure of personal information is necessary to prevent physical harm or financial loss, or to report suspected illegal activity or investigate violations of our terms and conditions; and credit and collection agencies, to the extent permitted by law, for reporting account information.
This Website is not intended for persons under the age of 18, and we do not knowingly collect, use, provide, or otherwise process any personal information from persons under the age of 18. Therefore, if you are under the age of 18, please do not send us your personal information (e.g., your name, address, and email address). If you are under 18 and still wish to ask questions or use this website in any way that requires the submission of personal information, please have your parent or guardian submit your personal information on your behalf.
If you wish to review, correct, or delete any personal information you have provided to us, please contact us immediately using the contact information below.
We will retain your personal information only for as long as necessary to fulfill the purposes for which it was collected.
and/or to comply with laws, regulations, and internal requirements. When such personal data is no longer required and no longer relevant to our services, we will securely and permanently destroy or delete your data in accordance with applicable laws and regulations, unless otherwise required by applicable laws and regulations or upon written request by the user.
The security of your personal data is our top priority. Except as otherwise provided in this Privacy Policy, we will not disclose your personal data to third parties without your written consent. Furthermore, we take all reasonable steps to ensure that all personal data we receive (whether online or offline) is kept confidential and secure. We use a variety of technical and administrative security measures to protect your personal data and reduce the risk of loss, misuse, unauthorized access, disclosure, and alteration. As new technologies emerge, we may, from time to time, use and modify various security measures, such as firewalls, data encryption, and data center access controls, as appropriate. If we disclose any of your personal data to our authorized agents or service providers, we will require them to appropriately protect the personal data provided to them.
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 our website. You are advised to review this Privacy Policy regularly for the latest information. Changes to this Privacy Policy will be 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 directly notifying you. By continuing to use our services, you accept and agree to the terms of the updated Privacy Policy.
If you believe that your account or any personal information may have been misused or abused, or if you believe the security and protection of your personal information may have been compromised, you may submit your inquiries and complaints using the contact information below to briefly discuss the matter and provide your contact information for reference.
If you have any questions or concerns about this Privacy Policy, or if you would like to inquire or request information regarding any matter relating to the processing of your personal information, you may contact us as follows:
Email: support@poploan.my
Tel: +601135651956
Address: A-19-2A, Tower C, Vertical Business Suites, No. 8, Jalan Kerinchi, 59200 Kuala Lumpur.