Privacy Policy

This policy explains how Bagus 4U Sdn Bhd ("Bagus 4U," "We") collect, use, protect, and disclose your personal data in relation to our services.

User Consent

By requesting information, signing up for services, or engaging in transactions with Bagus 4U, you consent to the collection, use, and storage of your personal data as outlined in this Privacy Policy, including processing, cross-border transfer, and storage of data when accessing or using our website and services.

Scope of Use

This Privacy Policy governs how we collect, use, maintain, and disclose your personal data while you use our website. It applies to all data processed regarding your relationship with us as a customer or potential customer.

Types of Personal Data

We may collect personal data such as your name, address, contact information, financial details (e.g., income, tax information), identity documents, transaction history, and photos for verification. If you provide personal data for others (e.g., family, friends), you must have their authorization.

How We Collect Your Personal Data

We collect your personal data in the following ways:

• When you sign up for services or contact us via forms, emails, calls, or letters (calls may be recorded).
• From your transaction history (e.g., payments or loans).
• Through customer surveys or when signing up for services.
• From third parties like credit agencies or employers.
• From publicly available sources.

Personal Data Collected from Our Website:

• IP Address: We log your IP address to diagnose server issues and administer our website. This may indicate your general location but is not linked to your identity unless required by law.
• Cookies: We use cookies to enhance user experience on our website. You can adjust your browser settings to manage cookies, though some features may be limited if declined.

Purpose of Processing Your Personal Data

We use your personal data to:

• Assess applications, verify identity and financial standing.
• Facilitate website use, account registration, and transactions.
• Process payments and provide updates.
• Communicate with you, respond to inquiries, and offer promotions.
• Improve services, website, and customer support.
• Conduct credit reference checks, collect delinquent accounts, and prevent fraud.
• Comply with legal and regulatory requirements.
• Share data with partners (with consent) for product/service development.

Service Providers

We may engage third-party companies to help facilitate our services, perform tasks, or assist in analyzing service usage. These third parties have access to your personal data only for these tasks and are required not to disclose or use your data for other purposes.

Disclosure of Personal Data

We may disclose your personal data to:

• Affiliates, subsidiaries, and partners for service provision and marketing analytics.
• Courts, law enforcement, and regulators for legal compliance.
• Credit bureaus and collection agencies as permitted by law.
• Customer support teams, banking and financial partners, legal departments, and service providers for business operations.

Special Notice - Minors

Our website is not intended for individuals under 18 years old. If you're under 18, please do not submit your personal information. If you wish to interact with the website, have a parent or guardian do so on your behalf.

Accuracy of Personal Data

To review, update, or delete your personal data, please contact us using the information below.

Personal Data Storage

We retain your personal data only as long as necessary to fulfill its intended purpose or to comply with legal obligations. Once no longer needed, we will securely delete or destroy your data.

Security

We take reasonable measures to protect your personal data, including firewalls, encryption, and access controls. Third-party service providers who process your data are required to safeguard it.

User Confidentiality

Please keep your account details confidential for your privacy and security.

Access/Correct/Update Personal Data

You have the right to access, update, or correct your personal data. Please contact us for assistance. A small fee may apply, and we may verify your identity before processing your request.

Privacy Policy Updates

We may update this Privacy Policy periodically. Changes will be posted on our website and are effective from the date of posting. Please review the policy regularly. Significant changes will be communicated directly.

Inquiries and Complaints

If you believe your personal data has been misused or compromised, or if you have concerns, please contact us.

Contact Information

For any questions, concerns, or requests related to your personal data, please contact us:

• Phone: 012-629 7277
• Address: No. 10-2 Jalan BPS2 Bandar, Prima Senawang, 70450 Negeri Sembilan, Malaysia.

Dispute Resolution and Claims

We aim to resolve disputes amicably. If we are not complying with privacy laws, you can file a complaint with Malaysia's Data Protection Regulatory Authority. Complaints will be addressed within 30 days. Submitting a complaint does not affect the legality of prior data processing.