At frekredit, your privacy is not merely a legal obligation — it is a responsibility we take seriously. This page clearly explains how your data is collected, used, protected, and the rights you hold as a user.
frekredit Privacy Commitment: We do not sell, rent, or transfer your personal data to third parties for marketing purposes without your consent. This Policy fully explains how we manage your data with integrity and transparency.
This Privacy Policy ("Policy") is published by frekredit ("We", "Platform") and applies to all users who access or use the frekredit website, mobile app, and any related services. This Policy describes our practices for collecting, processing, storing, and protecting your personal information.
Frekredit operates in compliance with Malaysia's Personal Data Protection Act 2010 (PDPA) and leading international data protection standards. We are committed to ensuring your personal information is handled in a manner that is secure, transparent and respectful of your privacy rights as an individual.
By using the frekredit platform, you agree to the terms of this Privacy Policy. If you do not agree, please discontinue use of the platform and contact us to request deletion of your existing data.
Frekredit collects your personal information through several channels as you interact with our platform. The type of data collected depends on your level of usage and the services you access.
Data You Provide Directly:
Automatically Collected Data:
Frekredit does not store credit or debit card numbers directly. All card processing is handled by PCI-DSS certified third-party payment gateways. We only retain transaction references that cannot be used to make any payment.
Frekredit uses your personal data for legitimate and necessary purposes in operating the platform. We do not process your data beyond the purposes stated below:
Frekredit does not sell or transfer your personal data to third parties for marketing purposes. Your data is only shared under the following limited and controlled circumstances:
| Third Parties | Purpose of Sharing | Data Shared | Your Consent |
|---|---|---|---|
| Payment Gateway | Transaction processing | Payment information | Implied |
| KYC Providers | Identity verification | ID Document | Implied |
| Authorities | Legal compliance | Following court orders | Mandatory |
| Technology Providers | Platform operations | Limited technical data | Limited |
| Third-Party Marketing | Not applicable | None | Not Shared |
All third-party partners who receive frekredit user data are required to sign a data protection agreement and comply with security standards equivalent to or stricter than our own.
Frekredit actively invests in the latest security technologies and procedures to protect your personal data from unauthorized access, loss, misuse or disclosure.
If you suspect your frekredit account has been accessed without authorization, change your password immediately and contact our customer support via Live Chat. Our security team will respond within 30 minutes.
Frekredit uses cookies and similar tracking technologies to enhance the user experience and analyze platform usage. Cookies are small text files stored on your device when you visit our platform.
Types of Cookies We Use:
You may manage or delete cookies through your browser settings at any time. However, disabling essential cookies may affect the functionality of the frekredit platform.
Frekredit retains your personal data only for as long as necessary to fulfill the purpose of collection or the relevant legal requirements. Retention periods vary by data type:
Once the retention period expires, your personal data will be securely deleted or anonymized in accordance with strict data deletion procedures.
As a registered frekredit user in Malaysia, you have the following rights regarding your personal data, in accordance with the Personal Data Protection Act 2010:
You have the right to request a copy of the personal data we hold about you. Requests will be processed within 14 business days.
If your data is inaccurate or outdated, you have the right to request a correction through your account settings or by contacting our support team.
You may request deletion of your personal data, subject to legal retention requirements binding on frekredit.
You have the right to object to the use of your data for certain purposes, such as direct marketing communications.
You may request an export of your account data in a machine-readable format for personal use or transfer.
For consent-based processing, you may withdraw your consent at any time through your account privacy settings.
To exercise any of the above rights, contact the frekredit privacy team via email or Live Chat. We will process your request within 14 business days and notify you if there are any unexpected delays.
The frekredit platform is strictly for individuals aged 18 and above. We do not knowingly collect, process, or store personal data from anyone under the age of 18.
If we discover that personal data of an individual under the age of 18 has been collected unintentionally, we will take immediate steps to delete that data and close the associated account. If you believe a minor has registered on our platform, please notify the frekredit support team immediately.
Frekredit reserves the right to update or amend this Privacy Policy from time to time to reflect changes in our privacy practices, legal requirements or new platform features. The date of the last update will be clearly displayed at the top of this page.
If there are significant changes to this policy, we will notify you via in-app notifications, email or a prominent banner on the website. Continued use of the frekredit platform after the amendments take effect will be considered acceptance of the updated policy.
If you have any questions, concerns or requests regarding frekredit's Privacy Policy or how we handle your personal data, please contact us via:
We value every privacy-related enquiry and are committed to providing a thorough and helpful response within a reasonable timeframe. For formal complaints regarding personal data handling, you may also submit a complaint to the Personal Data Protection Commissioner of Malaysia.
Security Commitment
Data protection is not an added cost for us — it is a core part of how frekredit operates
Every transaction and session on frekredit is protected by SSL 256-bit encryption — the same standard used by leading banks. Your data cannot be intercepted in transit between your device and our servers.
Frekredit operates in full compliance with Malaysia's Personal Data Protection Act 2010 (PDPA). Every data collection and usage process has a valid legal basis.
We do not sell, rent, or transfer user personal data to marketing companies or third-party data brokers under any circumstances. Your data is not a product for frekredit.
You may access, correct, or request deletion of your data at any time. frekredit account privacy settings give you direct control over your information.
Payment processing is handled by a PCI-DSS certified gateway. frekredit never stores full payment card data — your financial security is our absolute priority.
Frekredit only collects data that is genuinely necessary to provide its services. The data minimization principle ensures no excess information is collected without a clear purpose.
Frequently Asked Questions
Here are the most frequently asked privacy questions from frekredit users in Malaysia.
All FAQsYour Data Is Safe Here
With 256-bit SSL encryption, PDPA compliance, and a transparent privacy policy, frekredit is a platform you can trust to protect your personal information.