Last updated: 21 September 2026
Quick Summary
Berjaya Credit Leasing (“we”, “us”, “our”) is a licensed moneylender in Malaysia (KPKT License No. WL3499/01/01-11/100826). This policy explains, in plain terms, how we collect, use, and protect your personal data when you visit our website or apply for a loan with us.
- We collect your name, phone number, income, employer/workplace, and loan details when you apply for a loan, and may request supporting documents (e.g. NRIC, payslips, bank statements) during processing.
- We use this data only to assess and process your loan application, communicate with you, and meet our legal obligations as a licensed moneylender.
- We do not sell your personal data. We only share it where necessary — for example, with credit reporting bodies for creditworthiness checks, or with authorities such as KPKT as required by law.
- We use Google Analytics to understand how visitors use our website, and a WhatsApp chat widget so you can reach us directly.
- You have the right to access, correct, or request deletion of your personal data under Malaysia’s Personal Data Protection Act 2010 (PDPA), subject to our legal record-keeping obligations.
- Questions? Email us at general@berjayacreditleasing.com.
Who We Are
Berjaya Credit Leasing is a licensed financial consultancy and moneylending business operating in Kuala Lumpur and Selangor, Malaysia, licensed and regulated by the Kementerian Perumahan dan Kerajaan Tempatan (KPKT) under the Moneylenders Act 1951 (License No. WL3499/01/01-11/100826, valid 11 August 2024 – 10 August 2026).
Our registered business address is No 43, (Ground Floor), Jalan Rambutan, Taman Suria, 86000 Kluang, Johor, Malaysia. We operate Monday to Sunday, 9:00 am to 6:00 pm.
This Privacy Policy applies to personal data we collect through our website (berjayacreditleasing.com), our loan application forms, WhatsApp, phone, and email, and explains your rights under the Personal Data Protection Act 2010 (PDPA) of Malaysia.
What Personal Data We Collect
When you use our website or apply for a loan, we may collect:
- Contact and identity information — your name and phone number.
- Financial and employment information — your income, employer/workplace, and details of the loan you are applying for (loan amount, loan type, and repayment period).
- Supporting documents — where required to process and assess your application, we may ask for your NRIC/identification document, proof of income (e.g. payslips), and bank statements, in line with requirements under the Moneylenders Act 1951.
- Communication data — records of your enquiries and correspondence with us via WhatsApp, phone, email, or our website contact/application forms.
- Technical and usage data — such as your IP address, browser type, and pages visited, collected automatically through cookies and Google Analytics when you browse our website.
How We Use Your Personal Data
We use your personal data to:
- Assess your eligibility for a loan and process your application;
- Communicate with you about your application, including via phone call, SMS, or WhatsApp;
- Prepare loan agreements and manage the ongoing loan relationship, including repayments;
- Comply with our legal and regulatory obligations as a licensed moneylender under the Moneylenders Act 1951 and KPKT requirements;
- Detect and prevent fraud, and protect the security of our business and customers;
- Improve our website and services, including through anonymised website analytics.
We process your personal data based on your consent (for example, when you submit a loan application form), and where necessary to comply with our legal obligations as a licensed moneylender.
Who We Share Your Data With
We do not sell your personal data. We only disclose your personal data where necessary, including to:
- Licensed credit reporting agencies, for the purpose of assessing your creditworthiness, where applicable;
- KPKT and other relevant government authorities, where required by law or regulation;
- Professional advisors (such as auditors or legal counsel), where necessary for our business operations;
- Service providers who support our website and business operations (for example, website hosting and analytics providers such as Google Analytics), who are only permitted to use your data to provide services to us.
We do not transfer your personal data outside Malaysia except where a service provider (such as Google Analytics) processes data on servers located outside Malaysia in the course of providing that service.
How Long We Keep Your Data
We retain your personal data for as long as necessary to fulfil the purposes described in this policy, including for the duration of your loan and any period afterwards required to meet our record-keeping obligations under the Moneylenders Act 1951 and KPKT regulations, or to resolve disputes and enforce our agreements. If your loan application is not successful, we retain your data only for as long as reasonably necessary before securely deleting it.
Cookies and Website Analytics
Our website uses cookies and Google Analytics to understand how visitors use our site and to improve our services. We also use a WhatsApp chat widget to make it easy for you to contact us directly. You can control or disable cookies through your browser settings, though this may affect how our website functions.
How We Protect Your Data
We take reasonable technical and organisational measures to protect your personal data against unauthorised access, loss, misuse, or alteration. However, no method of transmission over the internet is completely secure, and we encourage you to contact us immediately if you suspect any unauthorised use of your personal data.
Your Rights Under the PDPA 2010
Under Malaysia’s Personal Data Protection Act 2010, you have the right to:
- Request access to the personal data we hold about you;
- Request correction of any inaccurate or outdated personal data;
- Withdraw your consent to our processing of your personal data (which may affect our ability to process your loan application);
- Request that we limit the processing of your personal data, or delete it, subject to our legal and regulatory retention obligations.
To exercise any of these rights, please contact us at general@berjayacreditleasing.com. We will respond to your request within a reasonable time and in accordance with the PDPA 2010.
Children’s Privacy
Our services are intended only for individuals who are at least 18 years old and legally capable of entering into a loan agreement in Malaysia. We do not knowingly collect personal data from minors.
Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. The “Last updated” date at the top of this page shows when this policy was last revised. We encourage you to review this page periodically.
Contact Us
If you have any questions about this Privacy Policy or how we handle your personal data, please contact us:
- Berjaya Credit Leasing
- No 43, (Ground Floor), Jalan Rambutan, Taman Suria, 86000 Kluang, Johor, Malaysia
- Email: general@berjayacreditleasing.com
- Business hours: Monday – Sunday, 9:00 am – 6:00 pm
- KPKT License No. WL3499/01/01-11/100826 (valid 11 August 2024 – 10 August 2026)