Last Updated- October 2, 2025
Moneybee SDN. BHD. ("we," "us," "our") considers the protection of your personal data a core tenet of our business. This Privacy Policy is designed to provide you with a comprehensive understanding of how we collect, use, process, disclose, and safeguard your personal information in strict accordance with the Malaysian Personal Data Protection Act 2010 ("PDPA") and its underlying principles. By engaging with our website and services ("Service"), you acknowledge that you have read and understood the terms of this policy.
To provide our specialised loan matching and financial health services, we collect data that is essential for identity verification, credit assessment, and regulatory compliance. The types of data we collect are as follows
TFull name as per NRIC, National Registration Identity Card (NRIC) number, passport number (if applicable), date of birth, age, gender, and nationality.
Industry analysis of fintech partnerships shows that lenders can reduce their customer acquisition costs by as much as 40-60% when switching from broad-based marketing to a high-quality, pre-screened referral platform. You stop paying for clicks and start investing in qualified opportunities, leading to a much higher ROI on your acquisition budget.
Industry analysis of fintech partnerships shows that lenders can reduce their customer acquisition costs by as much as 40-60% when switching from broad-based marketing to a high-quality, pre-screened referral platform. You stop paying for clicks and start investing in qualified opportunities, leading to a much higher ROI on your acquisition budget.
When you interact with our website, our servers automatically record information, including your Internet Protocol (IP) address, device type, browser information, pages visited, time spent on pages, and other diagnostic data. We use this information for security, fraud prevention, and to improve the user experience.
We use cookies to track activity on our Service and hold certain information. For more details, please refer to our separate Cookies Policy.
With your explicit consent, we may obtain information from third parties, including Credit Reporting Agencies in Malaysia (such as CTOS and Experian) to receive your credit reports, and from public domains or other sources where you have made your information publicly available.
Your personal data is processed for legitimate and clearly defined purposes connected to our services. These include
We will not disclose your personal data to any third party without your consent, except to the following parties for the purposes listed above:
Your completed application and supporting data will be shared with the potential lenders you are matched with, for the specific purpose of their credit assessment and loan approval process.
We engage other companies to perform certain business-related functions (e.g., cloud hosting on secure servers like AWS, eKYC verification vendors, data analytics providers). These parties are provided only with the information necessary to perform their specific function and are bound by strict contractual confidentiality and data protection obligations.
We will disclose your data to parties such as Bank Negara Malaysia, PDRM, or other governmental authorities if we are required to do so by law or in the good faith belief that such action is necessary to comply with a legal obligation.
If we are involved in a merger, acquisition, or asset sale, your Personal Data may be transferred as a business asset. We will provide notice before your Personal Data is transferred and becomes subject to a different Privacy Policy.
We have implemented comprehensive organisational and technical security measures to protect the integrity and confidentiality of your data. These include end-to-end SSL encryption, firewalls, intrusion detection systems, regular security audits, and strict internal access protocols and employee training on data protection.
As we may use internationally recognised cloud service providers, your data may be stored and processed on servers located outside of Malaysia. In such cases, we will ensure that the transfer is in compliance with the PDPA, and that the data is protected by contractual clauses or transferred only to jurisdictions that offer a comparable level of data protection.
We will retain your personal data only for as long as is necessary to fulfil the purposes for which it was collected, or as required to comply with our business and legal obligations. In general, data related to financial transactions will be retained for a period of up to seven (7) years after the termination of your relationship with us, as required by law for audit and record-keeping purposes.
Under the PDPA, you have the right to:
To request access to, and a copy of, the personal data that we hold about you.
To request that we correct any personal data that is inaccurate, incomplete, or out-of-date.
To withdraw your consent to our continued processing of your data. Please note that withdrawing consent may result in us being unable to provide you with our Service.
If you have any questions about this Privacy Policy or wish to exercise your rights, please contact our designated Data Protection Officer in writing:
The Data Protection
Officer
Moneybee SDN. BHD.
Email:
xxx@moneybee.com.my
We review our partners' products to ensure they are offered with clear, upfront terms. We look for partners who are committed to responsible lending, with no hidden fees, predatory terms, or misleading information.
We require our partners to demonstrate a strong commitment to consumer protection, including strict adherence to the Personal Data Protection Act 2010 (PDPA) for handling your sensitive information and maintaining ethical collections practices.
These Terms & Conditions ("Terms") govern your use of Moneybee SDN. BHD.'s website and services (the "Platform"). By accessing or using the Platform, you acknowledge that you have read, understood, and agreed to be bound by these Terms. If you do not agree, you must discontinue use immediately.
By using the Platform, you agree that:
