Terms & Conditions

Please take a moment to read these terms and conditions carefully.

The following terms and conditions apply to your access and the use of this website and the services provided herein by Credit Bureau Malaysia and related parties. By accessing any page of this website and/or using the services, you agree to be bound by these terms and conditions without limitation or qualification.

If you do not accept these terms and conditions, please immediately discontinue your access to this website and/or use of the services.    


All products and services of the Credit Bureau Malaysia herein provided are subject to the terms and conditions of the applicable agreements governing their use. These terms and conditions are meant to regulate your access to this website and they are to be read together with the applicable terms and conditions governing any transaction(s), product(s) and/or service(s) provided in this website. In the event of conflict between these terms and conditions and the terms and conditions governing the relevant transaction(s), product(s) and/or service(s) provided herein, the latter will prevail.

The information, material, functions and content provided in the pages of the website may be changed from time to time with or without notice at Credit Bureau Malaysia's absolute discretion. Your continued access or use of the website and/or the services provided herein subsequent to any such change will be deemed as your acceptance to those changes


Unless otherwise indicated, the copyright in this website and its contents, including but not limited to the text, images, graphics, sound files, animation files, video files, and their arrangement, are the property of the Credit Bureau Malaysia, and are protected by applicable Malaysian and international copyright laws. No part or parts of this website may be modified, copied, distributed, retransmitted, broadcast, displayed, performed, reproduced, published, licensed, transferred, sold or commercially dealt with in any manner without the express prior written consent of the Credit Bureau Malaysia.

You also may not, without the Credit Bureau Malaysia's expressed prior written consent, insert a link to this website on any other website, frame or "mirror" any material contained on this website on any other server.

Any such unauthorised reproduction, retransmission or other copying or modification of any of the contents of the Credit Bureau Malaysia’s website may be in breach of statutory or common law rights which could be the subject of legal action.

The Credit Bureau Malaysia disclaims all liability which may arise from any unauthorised reproduction or use of the contents of this website.


All trademarks, service marks, and logos displayed in this website are the property of the Credit Bureau Malaysia and/or their respective third party proprietors as identified in the website.

Unless the prior written consent of the Credit Bureau Malaysia or the relevant third party proprietor of any of the trademarks, service marks or logos appearing on the website has been obtained, no license or right is granted to any party accessing this website to use, download, reproduce, copy or modify such trademarks, services marks or logos. Similarly, unless the prior written consent of the Credit Bureau Malaysia or the relevant proprietor has been obtained, no such trademark, service mark or logo may be used as a link or to mark any link to the Credit Bureau Malaysia's website or any other site.

Exclusion of Liability

The Credit Bureau Malaysia and/or its partners herein shall in no event be liable for any loss or damages howsoever arising whether in contract, tort, negligence, strict liability or any other basis, including without limitation, direct or indirect, special, incidental, consequential or punitive damages, or loss profits or savings arising in connection with your access or use or the inability to access or use this website (or any third party link to or from the Credit Bureau Malaysia's website), reliance on the information contained in the website, any technical, hardware or software failure of any kind, the interruption, error, omission, delay in operation, computer viruses, or otherwise.

This exclusion clause shall take effect to the fullest extent permitted by law.


You hereby irrevocably agree to indemnify and keep indemnified the Credit Bureau Malaysia from all liabilities, claims, losses and expenses, including any legal fees that may be incurred by the Credit Bureau Malaysia in connection with or arising from (1) your use or misuse of this website and the services provided herein, or (2) your breach of these terms and conditions howsoever occasioned, or (3) any intellectual property right or proprietary right infringement claim made by a third party against the Credit Bureau Malaysia in connection with your use of this website.


The Credit Bureau Malaysia reserves the right to terminate and/or suspend your access to this website and/or your use of this website at any time, for any reason. In particular, and without limitation, the Credit Bureau Malaysia may terminate and/or suspend your access should you violate any of these terms and conditions, or violate the rights of the Credit Bureau Malaysia, of any other user, or of any third party.


The failure of the Credit Bureau Malaysia to exercise or enforce any right or provision of these terms and conditions shall not constitute a waiver of such right or provision.

If any part of these terms and conditions is determined to be invalid or unenforceable pursuant to applicable law, then the invalid and unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the other provisions of the terms and conditions shall continue in full force and effect.

Any rights not expressly granted herein are reserved.

Law and Jurisdiction

These terms and conditions are governed by and are to be construed in accordance with the laws of Malaysia. By accessing this website and/or using the services provided herein by the Credit Bureau Malaysia, you hereby consent to the exclusive jurisdiction of the Courts in Malaysia in all disputes arising out of or relating to the use of this website.

The Credit Bureau Malaysia makes no representation that the materials, information, functions and/or services provided on this website are appropriate or available for use in jurisdictions other than Malaysia.

Refund Policy

1. All services rendered by Credit Bureau Malaysia are provided on a non-refundable basis. This includes but not limited to in the event:

  1. you fail to pass the identity verification process;

  2. you do not use the services or the reports upon purchase;

  3. your account gets cancelled by Credit Bureau Malaysia for violation of these terms and conditions;

  4. you made a wrong purchase due to lack of prior consultation from our customer service officers;

  5. you do not have sufficient expertise to use the reports;

  6. you have not extracted the report within (1) year from the date of purchase.

2. Notwithstanding the above, you shall be entitled to a refund if Credit Bureau Malaysia experiences a system malfunction or downtime and that delays you from viewing or accessing the purchased report(s) for more than (3) working days.

3. A refund raised on any other grounds may be granted upon review by Credit Bureau Malaysia’s management team subject to clause 4. Such other grounds may include the following :-

  1. if the purchased reports are inaccessible for a period exceeding (14) days provided that the inaccessibility is not based on incompatibility of our products with some third-party software (plug-ins, add-ons, modules, search engines, scripts, extensions etc used by you) or on any other voluntarily or involuntarily, directly or indirectly attributable to your actions;

  2. if you have been overcharged or made to pay for reports that you did not purchase.

4. In order for your request to be considered and reviewed by the Credit Bureau Malaysia’s management team, you should contact us within (20) days of the purchase date. You should accompany this request with detailed reason(s) as to why you seek for a refund and sufficient proof of purchase i.e receipt, emails etc.

5. All purchased reports shall remain in our system for (1) year. If you have not extracted the report within (1) year from the date of purchase, you will not be entitled to a refund as provided above. Instead, our team may enable the access for you to download the report from Credit Bureau Malaysia’s system.

For any further information or assistance on our refund policy reach us at 03-7806 8080 or via email: (info@creditbureau.com.my).