Privacy Policy

Effective Date: 1 Januari 2025

Last Updated: 1 Januari 2025

1. Introduction

Welcome to Hup Tat Enterprise.

We value your privacy and are committed to protecting your personal data in accordance with the Personal Data Protection Act 2010 (PDPA) of Malaysia. This Privacy Policy explains how we collect, use, and safeguard your information when you use our services, visit our website, or communicate with us.

By submitting your information or using our services, you consent to the collection and use of your data as described in this policy.

2. Information We Collect

We may collect the following types of personal information:

• Full name
• Identification number (IC)
• Contact details (phone number, email address)
• Residential or business address
• Employment details and income information
• Banking or payment details (for disbursement and repayment purposes)
• Any other information required for loan application and verification

3. How We Collect Your Information

Your personal data may be collected through:

• Online application forms or website submissions
• Phone calls, WhatsApp, or email communication
• In-person meetings or loan application sessions
• Third-party referrals (only with your consent)

4. How We Use Your Information

Your data may be used for the following purposes:

• To process and assess your loan application
• To verify your identity and employment
• To communicate updates or results regarding your loan status
• To comply with legal and regulatory requirements
• For record-keeping and internal administrative purposes
• To offer you related financial products or services (only with your consent)

5. Disclosure of Information

We will not sell, rent, or trade your personal data to third parties. However, your data may be disclosed to:

• Regulatory authorities (as required by law)
• Credit reporting agencies for background checks
• Our business partners, agents, or service providers who assist in processing your application
• Legal advisors or auditors (if necessary)

All third parties are required to handle your data securely and in compliance with the PDPA.

6. Data Retention

We will retain your personal data for as long as necessary to fulfill the purposes for which it was collected, or as required by law. Once no longer needed, data will be securely deleted or anonymized.

7. Data Security

We implement appropriate technical and organizational measures to protect your personal data from unauthorized access, misuse, or disclosure. However, no system is completely secure, and we cannot guarantee absolute data security.

8. Your Rights

Under the PDPA, you have the right to:

• Access and request a copy of your personal data
• Request correction or updating of inaccurate data
• Withdraw consent for processing your data (subject to legal or contractual obligations)
• Request deletion of data (where applicable)

To exercise these rights, please contact us as shown below.

9. Cookies and Website Data

Our website may use cookies to enhance user experience and analyze traffic. You can choose to disable cookies through your browser settings, though some features may not function properly.

10. Updates to This Policy

Hup Tat Enterprise reserves the right to update or modify this Privacy Policy at any time. Any changes will be posted on our website with the updated revision date.

11. Contact Us

If you have any questions, requests, or complaints regarding this Privacy Policy, please contact us: