Privacy Policy

Anchor Capital Sdn. Bhd.

Last Updated: [1 March 2026]

 

1. Introduction

Anchor Capital Sdn. Bhd. (“Anchor Capital”, “we”, “our”, or “us”) is committed to protecting your personal data in accordance with the Personal Data Protection Act 2010 (Malaysia) (“PDPA”).

This Privacy Policy explains how we collect, use, disclose, store, and protect your personal data when you:

  •  Apply for our loan or financing products
  • Visit our website
  • Communicate with us
  • Use our services

By providing your personal data to us, you consent to the processing of your personal data in accordance with this Privacy Policy.

 

2. Types of Personal Data We Collect

We may collect and process the following categories of personal data:

(a) Identity Information
  • Full name
  • NRIC / passport number
  • Date of birth
  • Nationality
  • Gender
(b) Contact Information
  • Residential and mailing address
  • Email address
  • Telephone number
(c) Financial & Credit Information
  • Employment details
  • Income information
  • Bank account details
  • Tax information
  • Credit history and credit reports
  • Existing financial commitments
(d) Technical Information
  •  IP address
  • Browser type
  • Device information
  • Website usage data (via cookies)
(e) Other Information
  • Documents submitted in support of loan applications
  • Communications with us

We do not knowingly collect personal data from individuals under 18 years old without parental/guardian consent.

 

3. Purpose of Processing Personal Data

Your personal data may be collected and processed for the following purposes:

  1. To assess and process your loan application
  2. To verify your identity, employment, and financial standing
  3. To conduct credit checks with relevant credit reporting agencies
  4. To prepare agreements and supporting documentation
  5. To disburse funds and administer loan accounts
  6. To collect payments and manage outstanding balances
  7. To comply with legal, regulatory, and anti-money laundering requirements
  8. To respond to inquiries and provide customer support
  9. To improve our website, services, and internal operations
  10. For internal record-keeping and risk management
  11. To send important notices related to your account

We will not process your personal data for purposes other than those stated above without your further consent, unless permitted by law.

 

4. Disclosure of Personal Data

We may disclose your personal data to:

  • Credit reporting agencies
  • Financial institutions
  • Professional advisers (lawyers, auditors, consultants)
  • Debt recovery agents (where applicable)
  • Regulatory authorities and law enforcement agencies
  • IT service providers and data processors
  • Outsourced service providers assisting in our business operations

All third parties are required to process your data in accordance with confidentiality and security obligations consistent with the PDPA.

 

5. Data Transfers Outside Malaysia

Where necessary, your personal data may be transferred to service providers located outside Malaysia. In such cases, we will take reasonable steps to ensure that adequate safeguards are in place to protect your personal data in accordance with the PDPA.

 

6. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal data from:

  • Unauthorized access
  • Accidental loss
  • Misuse or disclosure
  • Alteration or destruction

Access to personal data is restricted to authorized personnel only.

 

7. Data Retention

We retain your personal data only for as long as necessary to:

  • Fulfill the purposes stated in this Privacy Policy
  • Comply with legal, regulatory, and contractual requirements
  • Resolve disputes and enforce agreements

When your personal data is no longer required, it will be securely deleted or anonymized.

 

8. Your Rights Under PDPA

Under the PDPA, you have the right to:

  • Request access to your personal data
  • Request correction of inaccurate or incomplete data
  • Withdraw consent for processing (subject to legal or contractual limitations)
  • Limit processing in certain circumstances

Requests may be subject to applicable administrative fees as permitted by law.

 

9. Withdrawal of Consent

You may withdraw your consent at any time by contacting us. Please note that withdrawing consent may affect our ability to process your loan application or continue providing services.

 

10. Cookies and Website Usage

Our website may use cookies and similar tracking technologies to:

  •  Enhance user experience
  • Analyze website traffic
  • Improve functionality

You may disable cookies through your browser settings; however, this may affect website functionality.

 

11. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of such external sites.

 

12. Updates to This Policy

We reserve the right to update this Privacy Policy from time to time. Any changes will be published on our website with the updated effective date.

 

13. Contact Us (Data Protection Officer)

If you have any questions, requests for access or correction, or wish to withdraw consent, please contact:

Data Protection Officer
Anchor Capital Sdn. Bhd.
Email: henry.gooi@anchorcapital.com.my