1. Introduction

Bigcap Resources (“we”, “us”, or “our”) is committed to protecting the privacy and confidentiality of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or engage our services.

By using our services or website, you consent to the data practices described in this policy. If you do not agree, please discontinue use of our services.

2. Information We Collect

We may collect the following types of information:

• Personal Identification: Full name, NRIC/passport number, date of birth, nationality.
• Contact Information: Phone number, email address, residential and mailing address.
• Financial Information: Income details, employment status, bank account information, credit history, and loan repayment records.
• Device & Usage Data: IP address, browser type, pages visited, and referring URLs when you access our website.
• Communication Records: Records of your inquiries via WhatsApp, phone, or any other communication channel.

3. How We Use Your Information

We use your personal information for the following purposes:

• To process and evaluate loan applications and financing requests.
• To verify your identity and assess creditworthiness in accordance with applicable regulations.
• To communicate with you regarding your application status, repayment schedules, and account updates.
• To comply with legal obligations under Malaysian law, including the Personal Data Protection Act 2010 (PDPA).
• To improve our products, services, and website user experience.
• To send service-related notifications and, where you have consented, promotional communications.

4. Disclosure of Information

We do not sell, trade, or rent your personal information to third parties. We may share your information only in the following circumstances:

• With credit reference agencies and financial institutions for loan processing and credit verification.
• With legal or regulatory authorities when required by law or court order.
• With our professional advisors, including legal counsel and auditors, under strict confidentiality obligations.
• With service providers who assist in our operations, under data processing agreements ensuring equivalent protections.

5. Data Security

We implement appropriate technical and organisational measures to protect your personal data against unauthorised access, accidental loss, destruction, or damage. All sensitive data is transmitted using secure encrypted channels. While we strive to protect your information, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

6. Data Retention

We retain your personal information for as long as necessary to fulfil the purposes outlined in this policy, to comply with legal obligations, resolve disputes, and enforce our agreements. Loan records are typically retained for a minimum of seven (7) years in compliance with Malaysian financial regulations.

7. Your Rights Under PDPA

Under the Personal Data Protection Act 2010 (Malaysia), you have the right to:

• Access your personal data held by us.
• Correct or update inaccurate personal data.
• Withdraw consent for processing, where applicable.
• Request information on the use of your personal data.

To exercise these rights, please contact us at the address provided below.

8. Cookies

Our website may use cookies and similar tracking technologies to enhance your browsing experience. Cookies are small files stored on your device. You may disable cookies through your browser settings, though this may affect the functionality of our website.

9. Third-Party Links

Our website may contain links to external websites. We are not responsible for the privacy practices or content of those websites. We encourage you to review the privacy policies of any third-party sites you visit.

10. Changes to This Policy

We reserve the right to update this Privacy Policy at any time. Changes will be posted on this page with an updated revision date. Continued use of our services after changes are posted constitutes your acceptance of the revised policy.