When you register an account and apply for our financing through the Platform, you may be required to provide us with your data. In doing so, you consent to its use by us under this Privacy Policy. In this context, the term “you” or “your” in this Privacy Policy extends to any individual whose personal data has been provided to us.

We reserves the right to update this Privacy Policy at any time by posting an updated version on the Platform and you are deemed to have accepted the current version each time you use the Platform. We encourage you to periodically review this page for the latest information on our privacy practices.

If we make a material change to our Privacy Policy we will post a notice of those changes on the Platform or notify you by email (sent to the email address specified in your account) to keep you informed of the information we collect, how we use it and under what circumstances we may disclose it, prior to the change becoming effective.

You have the choice, at any time, not to provide your data or to revoke your consent to us processing of your data. However, failure to provide such personal data or revocation of your consent may result in us being unable to provide you with effective and continuous Services.

Personal data refers to any information that relates directly or indirectly to an individual, who is identified or identifiable from that information or from that and other information in our possession, including any sensitive personal data and expression of opinion about the individual.

We collect most of the personal data when an application is made for financing with us where you will be required to provide your data. For invoice factoring and contract factoring facilities, the paymaster or contract awarder’s data may be collected. We may also verify or source personal data about you from third party sources (both public and private) such as credit reporting agencies, Companies Commission of Malaysia, and Insolvency Department.

The Platform is designed so that it will be clear to you when we are collecting personal data.

When you create an account on the Platform, we may ask, among other things, for your name, National Registration Identity Card Number (NRIC No.), username, email address, postal address, phone number, password, and payment information including credit card information.

You shall notify us in writing of any change in any personal data provided. You may request in writing for access to and to request for correction of personal data under the PDPA 2010. In the event of such request, or if you have an inquiry or complaint in respect of our handling of such personal data, you may contact us at the email address provided below.

to provide you with the financing facilities (“Services”);

to assess and/or approve your application for any of the Services;

to process your invoice and payment;

to disburse facility payment to you;

to verify your financial standing through credit reference checks;

to manage and maintain your account;

to communicate with you;

to send you relevant updates, notices and news;

to provide customer support;

for internal functions such as evaluating the effectiveness of the Platform, statistical analysis and modelling, reporting, audit and risk management and to prevent fraud;

for the fulfilment of any regulatory requirements and for any other reasons connected with providing you the Services you require and fulfilment of any terms of the Terms and Conditions and/or the specific financing agreements entered into by you with us; and

to verify your financial standing through credit reference checks;to enable us to comply with its obligations under any applicable laws.

other entities within Kashere Pay.

your bankers, auditors or any guarantor/indemnifier of your obligations.

our agents and service providers with whom we may have contractual agreements for some of our Services.

credit reference agencies and our lawyers.

our merchants and strategic partners.

parties authorised by you.

to communicate with you;enforcement regulatory and governmental agencies as permitted or required by law, authorised by any order of court or to meet obligations to regulatory authorities.

Generally the personal data that we request from you is necessary to perform our functions and activities about the purpose for which your data is collected. If you refuse to provide the data or wish to limit the personal data you disclose, we may not be able to proceed further with your matter.

You may stop us from processing your personal data generally or for specified purposes or in a specified manner so that the processing does not cause unwarranted and substantial damage or distress to you or another person. However, the extent to which we can comply with your request without affecting our mutual rights and obligations about the transaction, depending on the stage of the transaction. If such rights or obligations are impacted e.g. the transaction is being managed by our collection team, we will not be able to stop processing your data.