Privacy Policy

Personal Data Protection Notice (PDPA)
This Notice informs you, the data subject, about the collection, use, and processing of your personal data by Yokin Banc Sdn. Bhd.

1. Issuing Entity
This Notice is issued by Yokin Banc Sdn. Bhd. (referred to as “we,” “our,” “us,” or “Yokin Banc”) as a data user, compliant with the Personal Data Protection Act (PDPA) 2010.

2. Your Consent
You hereby consent that we may collect, record, store, use, and/or process your personal data. This consent remains valid until you revoke it in writing.

3. Data We Collect
Personal data processed by us includes, but is not limited to:

Name, address, copies and details of identification documents.

Bank account details, employment history, and marital status.

Credit history, personal financial details, and information regarding the commission or alleged commission of an offense.

4. Collecting Information from Other Sources
You consent that we may collect and process your information from external sources, and you authorize us to do so. These sources include:

Any third-party background check services.

Credit reporting agencies or regulatory bodies, government agencies, and other authorities (e.g., Bank Negara Malaysia).

The purposes for collecting data from external parties include:

Checking your creditworthiness or history of litigation.

Obtaining and verifying information related to your credit profile, including for the purpose of complying with anti-money laundering laws.

Disclosing your information to regulatory bodies (like Bank Negara Malaysia) or credit bureaus, as permitted or required by law.

5. How We Use Your Personal Data
You acknowledge and consent that we may process your personal data for the following purposes:

Contractual Matters: In all matters related to the loan agreement or services entered into between you and us.

Service Provision: To process your applications, requests, and queries, and for the provision of our services.

Internal & Compliance: For internal management, risk management, and monitoring compliance with the agreement, our policies, and all applicable laws and regulations.

Enforcement: For enforcing our rights under the agreement and policies.

Marketing: For delivering promotional and commercial materials (including services and advertisements) related to our services via various means (e.g., email, SMS).

Record-Keeping: For maintaining records in the ordinary course of our business.

6. Disclosure of Personal Data (Third Parties)
Your personal data in our possession will be kept confidential, but we may disclose it to the following parties (“Third Party”) for the purposes set out above:

Any person to whom we are obligated to disclose information under law or regulation.

Our auditors, accountants, tax advisers, legal advisers, and compliance professionals.

Our banks, professional advisers, service providers, and vendors.

7. Your Responsibilities
You must ensure that the personal data you provide to us is accurate, complete, and not misleading, and that it is kept up-to-date. You must promptly inform us if the data changes or becomes inaccurate, and then provide us with the true and updated personal data.

8. Access and Contact
You may request access to your personal data, or make any inquiries or complaints regarding your personal data, by contacting us via our official company channels.

9. Data Retention
We will retain your data for as long as required to comply with our obligations under any law, regulation, or accounting requirement. We will permanently erase your personal data when it is no longer necessary for the fulfillment of the purposes set out in this Notice.