Privacy Policy

CBM Privacy Policy

This Privacy Policy is aimed to inform how CREDIT BUREAU MALAYSIA SDN BHD (Registration No. 200801018741 (820050-T)) (“CBM”, “us” or “we”) processes (which includes but is not limited to the collection, recording, holding, storing, handling and/or carrying on any operation or set(s) of operations) personal data/credit information of individuals. It also tells you how individuals can access and update their personal data/credit information, subject to the terms under the applicable laws, regulations and/or regulatory requirements.

Acknowledgement and Consent

When you communicate with us, engage with us, use our products and/or services, access our portal, website, mobile site and/or application, purchase products and/or services from us and/or provide personal data/credit information of individual(s) to us (which may include personal data/credit information of your own), you acknowledge that you have read and understood this Privacy Policy and agree and consent to the terms of this Privacy Policy.

This Privacy Policy may be updated from time to time and we shall have the right to modify, update and/or amend the terms of this Privacy Policy and the updated Privacy Policy shall be placed on our portal, website, mobile site and/or application. Where permissible under the laws, by continuing to communicate with us, using our services, purchasing products from us and/or by your continued engagement with us following the modifications, updates or amendments to this Privacy Policy (whether by accessing and/or using our portal, website, mobile site, application and/or otherwise), such actions shall signify your acceptance of such modifications, updates or amendments.

What does this Privacy Policy apply to?

This Privacy Policy applies to all personal data/credit information collected by us (including but not limited to) via:

CBM portal;
CBM website, including any consumer-directed websites operated by CBM and pages that we run on third party social networks, if any;
CBM mobile site and application;
Any registration/applicable forms and/or documents in relation to our products/services, whether online or offline;
Any of CBM’ events or campaigns;
Any other mode where information legally comes into our possession, control or power and/or
Any other third-party sources available to us.

You shall have deemed to have provided this Privacy Policy to any third-party individual(s) whose personal data/credit information have been disclosed for the purposes contemplated under this Privacy Policy and lawfully procured the consent of such individual(s) for our processing of the same in accordance with the terms of this Privacy Policy.

Type of Personal Data Collected

If you choose to transact with CBM for any products and/or services or use CBM’s portal, website, mobile site and/or application, products and/or services (either for your own use or for and on behalf of another party), we may collect your personal data/credit information and personal data/credit information of other individual(s) such as (but is not limited to) name, identification card number, passport number, mailing address, phone number(s), email address(es), designation, bank account/card information, contact language preferences, account login information, technical computer information, website usage information, consumer generated contents, social network information, payment information, other information which may be necessary).

Failure to provide the relevant data will render CBM unable to provide the relevant products/services to you or to the party of which the provision of such relevant data to us is necessary for us to provide our products/services to.

Use and Disclosure of Personal Data Collected

The purpose of collecting your or other individual(s)’ personal data/credit information may include but is not limited to the following:

Identity verification;
Assessment of application;
Facilitation of CBM’s provision and delivery of products, services and/or other informational materials (including without limitation, procurement of CCRIS and any other credit information to the extent permitted by applicable laws, regulations and/or regulatory requirements);
Notification to you or other individuals (where applicable) about information newly captured or processed about you or other individuals (where applicable) or for general communications from time-to-time;
Investigation, response to, or defence of claims made against, or involving CBM, its employees and/or officers;
Response to enquiries;
Investigation of complaints and suspicious transactions;
Research for service or products improvement;
Notification about benefits and changes to the features of our products and/or services including new products and services;
General operation and maintenance of the products and/or services provided including but not limited to accounting (billing and auditing), statistical and marketing analysis, information systems management, system testing, maintenance and development, operational, support, customer surveys, customer relations and to improve and help us in any future dealings with us, for example by identifying your requirements and preferences;
Advertisement, marketing and promotional purposes;
Provision of information about third party services and/or products, which may be of interest to or benefit you or others, except where otherwise requested or notified by you;
Compliance with the applicable laws, regulations, regulatory requirements applicable to CBM, its related companies and service providers; and
For any other purposes that is required or permitted by any law, regulations, guidelines and/or relevant regulatory authorities.

Disclosure of Personal Data to Third Parties

Whenever required by laws, regulations and/or regulatory requirements, we will disclose such data to the government bodies, authorities or third parties whether pursuant to a subpoena or other legal process or requirement accordingly. Further, we may also use or disclose such data as permitted by law to protect the rights or property of CBM, our customers, our Platform / website / mobile sites/ applications, or its users. We may also disclose such data, whether in part or in full, to our contracted or authorised companies such as our data processors.

If you choose to register and/or transact with CBM or in any manner have your or other individual(s)’ personal data/credit information provided to CBM, such personal data/credit information may be shared where necessary and only on a need to know basis with companies within the CBM group of companies and/or any affiliated companies and/or our customers (subscribers/members), so as to provide our products and/or services and products and/or services which may be of interest to or benefit you or others in an efficient and effective manner.

CBM may also disclose such data to the following parties for the purposes stated above:

our officers, personnel, employees, agents, contractors, service providers (including without limitation, data processors), consultants, licensees, business partners, professional advisers and/or relevant authorities;
parties that assist us in processing and/or fulfilling transactions;
advertising and marketing agencies including but not limited to social media platforms, data analytics companies and media agencies;
law enforcement agencies; and/or
government agencies.

In certain instances, we reserve the right to disclose such data to our preferred merchants and strategic partners.

Such data can be accessed via request in-writing to us at [email protected].

If there is any change in any of such personal data/credit information or if you or the data subject of whom you have provided us with such data becomes aware of any errors in such data, you and/or the data subject shall immediately contact us at [email protected] for the correction of the same.

You and/or the data subject may also request to limit the processing of the your and/or the data subject’s personal data/credit information (as the case may be) or request for withdrawal of any such processing in-writing to us at [email protected], to the extent permitted by applicable laws, regulations and regulatory requirements.

Update of Privacy Policy

We may review and update this Privacy Policy from time to time to reflect changes in the laws, regulations, regulatory requirements, changes in our business practices, procedures and/or structure, and the community’s changing privacy expectations. The latest version of the Privacy Policy will be made available on our portal, website, mobile site and/or application.

If you have questions or complaints about this Privacy Policy, you can reach us via [email protected].

If you believe that your rights under the Credit Reporting Agencies Act 2010 have been violated or you believe that any error has occurred, you have the right to complain to the Registrar of the Credit Reporting Agencies:-

Registrar Office of the Credit Reporting Agencies (Registrar)

Treasury 2, Level 2, Ministry of Finance Complex,

Precint 2, Federal Government Administrative Center,

62592 Putrajaya.

Email : [email protected] / [email protected]

(the Registrar’s information may be updated from time to time. Kindly check its official portal to obtain the latest information.)

UPDATED: CBM 08.03.2024

Dasar Privasi

Dasar Privasi CBM

Dasar Privasi ini bertujuan untuk memaklumkan bagaimana CREDIT BUREAU MALAYSIA SDN BHD (No. Pendaftaran 200801018741 (820050-T)) (“CBM” atau “kami”) memproses (termasuk tetapi tidak terhad kepada mengumpul, merekod, memegang, menyimpan, mengendali dan/atau menjalankan sebarang operasi atau set operasi) data peribadi/maklumat kredit individu. Ia juga memberitahu anda bagaimana individu boleh mengakses dan mengemas kini data peribadi/maklumat kredit mereka, tertakluk kepada undang-undang, peraturan dan/atau keperluan kawal selia yang berkenaan.

Perakuan dan Persetujuan

Apabila anda berkomunikasi dengan kami, mempunyai penglibatan dengan kami, menggunakan produk dan/atau perkhidmatan kami, mengakses portal, laman web, laman dan/atau aplikasi mudah alih kami, membeli produk dan / atau perkhidmatan daripada kami dan/atau menyediakan data peribadi/maklumat kredit individu kepada kami (yang mungkin termasuk data peribadi/maklumat kredit anda), anda mengakui bahawa anda telah membaca dan memahami Dasar Privasi ini dan bersetuju dengan terma Dasar Privasi ini.

Dasar Privasi ini boleh dikemas kini dari semasa ke semasa dan kami berhak untuk mengubah, mengemas kini dan/atau meminda terma-terma Dasar Privasi ini dan Dasar Privasi yang dikemas kini akan diletakkan di portal, laman web, laman dan/atau aplikasi mudah alih kami. Di mana dibenarkan di bawah undang-undang, dengan terus berkomunikasi dengan kami, menggunakan perkhidmatan kami, membeli produk daripada kami dan/atau melalui penglibatan anda yang berterusan dengan kami berikutan pengubahsuaian (sama ada melalui pengaksesan dan/atau penggunaan portal, laman web, laman dan/atau aplikasi mudah alih kami), kemas kini atau pindaan kepada Dasar Privasi ini, tindakan tersebut akan menandakan penerimaan anda terhadap pengubahsuaian, kemas kini atau pindaan sedemikian.

Apakah Dasar Privasi Ini terpakai?

Dasar Privasi ini terpakai kepada semua data peribadi/maklumat kredit yang dikumpulkan oleh kami (termasuk tetapi tidak terhad kepada) melalui:

Portal CBM;
Laman web CBM, termasuk mana-mana laman web yang diarahkan oleh pengguna yang dikendalikan oleh CBM dan halaman yang kami di rangkaian sosial pihak ketiga, jika ada;
Laman dan aplikasi mudah alih CBM;
Mana-mana borang pendaftaran / berkaitan dan/atau dokumen yang berhubung dengan produk/perkhidmatan kami, sama ada dalam talian atau luar talian;
Mana-mana acara atau kempen CBM;
Apa-apa cara lain di mana maklumat secara sah datang ke dalam milikan, kawalan atau kuasa kami; dan/atau
Mana-mana sumber pihak ketiga yang lain yang tersedia untuk kami.

Anda akan dianggap telah menyediakan Dasar Privasi ini kepada mana-mana individu lain yang data peribadinya/maklumat kreditnya telah didedahkan untuk tujuan-tujuan di bawah Dasar Privasi ini dan secara sah memperoleh persetujuan individu tersebut untuk kami memproses data peribadi/maklumat kredit individu tersebut mengikut terma Dasar Privasi ini.

Jenis Data Peribadi Yang Dikumpul

Jika anda memilih untuk berurus niaga dengan CBM untuk sebarang produk dan/atau perkhidmatan atau menggunakan portal, laman web, laman dan/atau aplikasi mudah alih, produk dan/atau perkhidmatan CBM (sama ada untuk kegunaan anda diri sendiri atau untuk dan bagi pihak lain), kami mungkin mengumpul data peribadi/maklumat kredit anda dan data peribadi/maklumat kredit individu lain seperti (tetapi tidak terhad kepada) nama, nombor kad pengenalan, nombor pasport, alamat surat-menyurat, nombor telefon, alamat e-mel, jawatan, maklumat akaun/kad bank, keutamaan hubungan dan Bahasa, maklumat log masuk akaun, maklumat komputer teknikal, maklumat penggunaan laman web, kandungan yang dijana pengguna, maklumat rangkaian sosial, maklumat pembayaran, maklumat lain yang mungkin diperlukan).

Kegagalan untuk menyediakan data yang berkaitan akan menyebabkan CBM tidak dapat menyediakan produk/perkhidmatan yang berkaitan kepada anda atau kepada pihak lain di mana penyediaan data yang berkaitan kepada kami adalah diperlukan untuk kami menyediakan produk/perkhidmatan kami kepada pihak tersebut.

Jenis Data Peribadi/Maklumat Kredit Yang Dikumpul

Penggunaan dan Pendedahan Data Peribadi/Maklumat Kredit yang Dikumpul

Apabila dikehendaki oleh undang-undang, peraturan dan/atau keperluan kawal selia, kami akan mendedahkan data tersebut kepada badan-badan kerajaan, pihak berkuasa atau pihak ketiga, sama ada menurut sepina atau proses undang-undang atau keperluan lain dengan sewajarnya. Selanjutnya, kami juga boleh menggunakan atau mendedahkan data tersebut seperti yang dibenarkan oleh undang-undang untuk melindungi hak atau harta kami, pelanggan kami, laman web / portal / laman mudah alih / aplikasi kami, atau pengguna kami. Kami juga mungkin mendedahkan data tersebut, sama ada sebahagian atau sepenuhnya, kepada syarikat yang dikontrak atau diberi kuasa oleh kami seperti pemproses data kami.

Jika anda memilih untuk mendaftar dan/atau berurus niaga dengan CBM atau dalam apa jua cara memberikan data peribadi/maklumat kredit anda atau individual lain kepada kami, data peribadi/maklumat kredit tersebut mungkin dikongsi jika perlu dan hanya atas dasar perlu tahu dengan syarikat-syarikat dalam kumpulan syarikat CBM dan/atau mana-mana syarikat gabungan dan/atau pelanggan CBM (subscriber/member), untuk menyediakan produk dan/atau perkhidmatan kami atau perkhidmatan dan/atau produk pihak ketiga, yang mungkin menarik minat atau memberi manfaat kepeda anda atau pihak lain dengan cara yang cekap dan berkesan.

CBM boleh mendedahkan data peribadi/maklumat kredit tersebut kepada pihak-pihak berikut untuk tujuan yang dinyatakan di atas:
• pegawai, kakitangan, pekerja, ejen, kontraktor, pembekal perkhidmatan (termasuk tidak terhad kepada pembekal perkhidmatan pemprosesan data), perunding, pemegang lesen, rakan kongsi, penasihat professional kami dan/atau pihak berkuasa yang berkenaan;
• pihak-pihak yang membantu kami memproses dan/atau memenuhi transaksi;
• agensi pengiklanan dan pemasaran termasuk tetapi tidak terhad kepada platform media sosial, syarikat analisis data dan agensi media;
• agensi penguatkuasaan undang-undang; dan/atau
• agensi-agensi kerajaan.

Dalam keadaan tertentu, kami berhak untuk mendedahkan data tersebut kepada peniaga pilihan kami dan rakan kongsi strategik kami.

Data tersebut boleh diakses melalui permintaan bertulis kepada kami di [email protected].

Jika terdapat sebarang perubahan data tersebut atau jika anda atau subjek data di mana datanya telah diberikan kepada kami menyedari sebarang kesilapan dalam data tersebut, anda dan/atau subjek data hendaklah segera menghubungi kami di [email protected] untuk membuat pembetulan yang sama.

Anda dan/atau subjek data boleh membuat permintaan bertulis kepada kami di [email protected] untuk mengehadkan pemprosesan data anda dan/atau data subjek data (yang mana berkenaan) atau membuat permintaan bertulis untuk menarik balik pemprosesan kepada kami melalui [email protected], setakat yang dibenarkan oleh undang-undang, peraturan dan keperluan kawal selia yang berkenaan.

Pengemaskinian Dasar Privasi

Kami mungkin menyemak dan mengemas kini Dasar Privasi ini dari semasa ke semasa untuk mencerminkan perubahan dalam undang-undang, peraturan, keperluan kawal selia, perubahan dalam amalan perniagaan, prosedur dan/or struktur kami, dan jangkaan privasi komuniti yang berubah-ubah. Versi terbaru Dasar Privasi akan disediakan di portal, laman web, laman mudah alih dan/atau aplikasi kami.

Sekiranya anda mempunyai pertanyaan atau aduan mengenai Dasar Privasi ini, anda boleh menghubungi kami melalui [email protected].

Jika anda percaya bahawa hak anda di bawah Akta Agensi Pelaporan Kredit 2010 telah dilanggar atau anda percaya bahawa sebarang kesilapan telah berlaku, anda mempunyai hak untuk mengadu kepada Pendaftar Agensi Pelaporan Kredit:-
Pendaftar Agensi Pelaporan Kredit (Pendaftar)
Perbendaharaan 2, Aras 2,
Kompleks Kementerian Kewangan, Presint 2,
Pusat Pentadbiran Kerajaan Persekutuan,
62592 Putrajaya
Email : [email protected] / [email protected]
(maklumat Pendaftar boleh dikemas kini dari semasa ke semasa. Sila semak portal rasminya untuk mendapatkan maklumat terkini.)

DIKEMASKINI: CBM 08.03.2024