Welcome to HK Ezy

1. Collection of Personal Data

We collect personal data directly from you or third parties to facilitate the provision of our services, including but not limited to:

• Identification Information: Name, NRIC/passport number, date of birth, gender, nationality, and race.
• Contact Information: Address, phone number, and email address.
• Financial Information: Employment details, income information, bank account details, tax particulars, and credit history.
• Loan Application Data: Loan amount requested, repayment history, guarantor details, and supporting documents such as proof of income or identification.
• Technical Data: IP address, browser type, and usage information from our portal or mobile applications.
• Other Information: Preferences such as communication methods, and other data you voluntarily provide.

If you provide personal data of another individual, you confirm that you have obtained their consent for us to process their data as outlined in this policy.

2. Purpose of Collection

We collect and process your personal data for the following purposes:

• To process and assess loan applications and related services.
• To verify your identity and financial standing.
• To communicate with you regarding products, services, updates, or inquiries.
• To maintain and manage customer relationships.
• To comply with legal and regulatory requirements, including fraud detection and creditworthiness checks.
• To improve our services and operational processes.
• To conduct market research, surveys, and statistical analysis.
• For debt collection, enforcement, and dispute resolution.
• For marketing purposes, including promotions and offers (subject to your consent).
• To report loan defaults to credit bureaus such as CTOS and Experian in accordance with our policies.

3. Source of Personal Data

Your personal data may be collected from:

• Application forms, agreements, or documents submitted to us.
• Correspondences via email, phone, or physical interactions.
• Use of our portal, website, or mobile applications.
• Third parties such as credit reference agencies, guarantors, employers, or regulatory authorities.

We do not acquire personal data through illegitimate or illegal means.

4. Disclosure of Personal Data

Your personal data may be disclosed to the following parties for the purposes mentioned above:

• Regulatory bodies, law enforcement agencies, or government authorities.
• Credit reporting agencies such as CTOS and Experian.
• Business partners, service providers, and subcontractors.
• Professional advisers, including auditors and legal counsel.
• Entities involved in mergers, acquisitions, or restructuring.
• Any parties you have authorized us to share data with.

We ensure that third parties comply with confidentiality obligations and appropriate security measures when processing your personal data.

5. Data Retention

Your personal data will be retained for as long as it is necessary to fulfill the purposes for which it was collected or as required by applicable laws. We will retain your data even after the completion of your loan or business transaction to comply with legal, regulatory, and audit requirements.

6. Security of Personal Data

We implement technical, physical, and organizational measures to protect your personal data against unauthorized access, disclosure, alteration, or destruction. These include secure storage systems, access controls, and encryption technologies.

7. Your Rights

Under the PDPA, you have the right to:

• Request access to and obtain a copy of your personal data.
• Request correction or update of inaccurate or outdated personal data.
• Restrict or withdraw consent for the processing of your personal data (subject to legal and contractual obligations).
• Lodge a complaint if you believe we have breached any data protection laws.

Requests must be submitted in writing to our contact details provided below. A processing fee may apply for access requests.

8. Cookies and Tracking Technologies

Our website and portal may use cookies and similar technologies to enhance your experience and analyze usage patterns. You can manage cookie preferences through your browser settings. However, some features may not function properly if cookies are disabled.

9. International Transfers of Data

Your personal data may be transferred to and stored in locations outside of Malaysia for data processing purposes. We will take steps to ensure that the data remains protected and is handled in accordance with this Privacy Policy.

10. Consequences of Refusal to Provide Data

Providing personal data is voluntary, but failure to provide required information may result in:

• Inability to process your loan application or provide related services.
• Inability to communicate updates or respond to inquiries.
• Non-compliance with legal or contractual obligations.

11. Blacklisting and Credit Reporting

In the event of loan default or non-payment, we reserve the right to report the default to credit reporting agencies, including CTOS and Experian, as part of the process of managing the loan and ensuring compliance with our agreements. This may affect your creditworthiness and eligibility for future loans or financial services.

12. Loan Repayment and Installment Collection

We may use our system and applications to facilitate the collection of loan repayments and installments. Payment data such as transaction details and payment history will be securely stored and processed for the purpose of managing your loan repayment.

13. Marketing Communications

We may send you marketing communications, such as promotions and offers, subject to your consent. You may opt out of receiving such communications at any time by following the instructions in the communication or by contacting us directly.

14. Third-party Service Providers

We may share your personal data with third-party service providers who assist us in processing payments, managing the loan application process, or providing other related services. These third-party service providers are required to safeguard your personal data and are not permitted to use it for any other purpose.

15. Minors and Data Collection

Our services are not intended for individuals under the age of 18. We do not knowingly collect or process personal data from minors. If we become aware that we have inadvertently collected data from a minor, we will take steps to delete such data.

16. Data Breach Notification

In the event of a data breach that may affect your personal data, we will notify you as soon as possible in accordance with applicable laws and take appropriate measures to mitigate the impact of the breach.

17. Clarification on Consent for Processing Personal Data

By providing your personal data to us, you consent to the processing of such data for the purposes outlined in this Privacy Policy. You may withdraw your consent at any time, subject to legal and contractual obligations.

18. Access to Data for Marketing or Legal Obligations

Your personal data may also be shared with external auditors, legal advisors, or other third parties engaged in fulfilling legal or regulatory obligations, such as fraud detection and compliance with tax laws.

19. Data Accuracy

You are responsible for ensuring that the personal data you provide is accurate and up to date. If any of your personal information changes, please inform us promptly to ensure that we maintain accurate records.

20. Changes to This Privacy Policy

We reserve the right to update or amend this Privacy Policy at any time. Changes will be notified via announcements on our portal or other appropriate means. Your continued use of our services after changes are posted indicates your acceptance of the updated terms.

21. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy, please contact us at:

Heap Keong Motor Sdn. Bhd.
📧 Email: enquiry@hkezy.com
📞 Phone: 07-7102322