1. Introduction

Oval Enterprise ("We", "The Company") is deeply committed to protecting your privacy and personal data. This Privacy Policy explains how we collect, use, process, and store your personal data in accordance with the Personal Data Protection Act 2010 ("PDPA") of Malaysia. This policy applies automatically when you visit this website or use our financial services.

2. Collection of Personal Data

When you fill out a loan application form on our website, we will collect personally identifiable information (PII) including, but not limited to:

• Full Name and Identification Number (MyKad)
• Contact Information (Phone Number, Email Address, Residential Address)
• Financial Information (Monthly income, financial commitments, bank statements, salary slips)
• Employment Information

3. Purpose of Data Use

The collected personal data will only be used for legitimate business purposes, including:

• Processing, evaluating, and approving your loan application.
• Conducting credit or identity background checks to prevent fraud.
• Communicating with you regarding the status of your application or loan account.
• Complying with legal and regulatory requirements set by the Ministry of Housing and Local Government (KPKT) or other authorities.

4. Disclosure to Third Parties

We will not sell, rent, or trade your personal data to any third party for marketing purposes. However, your data may be disclosed to the following parties for operational smooth running and legal compliance:

• Registered credit reporting agencies (such as CTOS or CCRIS) for credit assessment purposes.
• Legal and enforcement authorities if required by Malaysian law.
• Third-party service providers bound by strict confidentiality agreements (e.g., cloud storage providers for our database).

5. Data Security

We implement strict technical and organizational security measures, including the use of encryption protocols to ensure that information transmitted through our website is protected from unauthorized access, loss, or misuse.

6. Rights of Access and Correction

Under the PDPA, you have the absolute right to request access to and correct your personal data held by us. If you wish to update your data, ask any questions, or withdraw consent for us to process your data, please contact our Compliance Officer at: