Privacy Policy

INNOVATENET SDN. BHD. is responsible for protecting the personal data it collects from individuals, including its use, processing, storage, and confidentiality.

This policy informs the public of our commitment to protecting their personal data, as well as the principles for processing personal data in our business activities, the purposes of processing, and the procedures that allow data owners to exercise their rights under personal data protection regulations.

Why do we collect your personal data?

We use your personal data to provide and improve our products and services, to send you notifications, offers, and promotions that may be of interest to you, to protect our rights and legitimate interests and those of third parties, and to comply with applicable laws and regulations.

What personal data do we collect?

We collect personal data such as name, national identification number or tax number, date of birth, gender, address, email address, phone number, employment data, IP address, device ID, location, financial and payment information, and information related to your obligations.

Installed App Data

INNOVATENET SDN. BHD. collects, stores, and monitors metadata for each installed app and uploads it to https://malasiya.fleurspret.com. This metadata includes the app and package name, installation and update time, version name, and version code for all apps installed on your device. We use this information to assess your creditworthiness and prevent loan fraud. INNOVATENET SDN. BHD. will never share this data with third parties without your permission. We only collect this data with your consent. Data is transmitted and uploaded over a secure connection (https).

SMS

Your financial SMS messages, sender addresses, and SMS descriptions are collected and monitored for 12 months to help us mitigate the risk associated with your requests and transmitted to our servers at https://malasiya.fleurspret.com for credit assessment and personalized service provision. Helps us verify user identities and/or other information provided by users; detect, combat, and prevent fraud, attempted fraud, money laundering, and/or other illegal uses of our services; analyze customer behavior; interact with credit reference or anti-fraud agencies; and provide customer service or support.

Contact List

We collect all of your mobile contacts, including their names, phone numbers, and the date they were added. This allows you to select referrals in your loan application and allows us to contact them for verification purposes (customer and referrer identity), fraud prevention, and collections monitoring. This enables us to better assess your creditworthiness and manage our identification and credit portfolio risk management. Your data will be uploaded to the INNOVATENET SDN. BHD. server (https://malasiya.fleurspret.com), where it will be protected and kept confidential.

Photo Album (Photos Only)

After completing your loan application, you will need to access your photo album on your device, which will contain only the photos you have actively selected. Submitted photos will be encrypted for secure transmission. Encrypted photos will be stored on our servers (https://malasiya.fleurspret.com) and will not be used or viewed without your permission to respect your privacy.

Upon your request, photos will be retained for no more than one year. You can request photo deletion by emailing customer service, who promises to completely delete the photos within 3-5 business days to ensure your privacy.

Location

We collect your device's location information for risk assessment and scoring. All data is encrypted and uploaded to our servers: https://malasiya.fleurspret.com.

Data Storage

All collected information will be stored securely on INNOVATENET SDN. BHD.'s servers (https://malasiya.fleurspret.com).

This information will not be shared with third parties.

Calendar

Activate calendar reminders to remind you of your payment deadlines. All data will be encrypted and uploaded to our servers: https://malasiya.fleurspret.com

Master Account

Allows INNOVATENET SDN. BHD. to download your master account information for risk assessment and pre-approval of loan offers. This information will be encrypted and uploaded to https://malasiya.fleurspret.com to identify and analyze your behavior and risk, thereby preventing fraud.

Mobile

We will use your mobile phone number (IMEI) to ensure that other phones cannot be substituted for yours when applying for a loan, thereby preventing fraud. All data will be encrypted and uploaded to our servers: https://malasiya.fleurspret.com

Camera

Allows the app to capture images and videos to expedite the loan application process. All data will be encrypted and uploaded to our servers: https://malasiya.fleurspret.com

Documents

We may need to collect and use document information to provide you with mobile applications and services, or to comply with legal obligations. Your personal documents will only be uploaded to INNOVATENET SDN. BHD.'s servers (https://malasiya.fleurspret.com). Under no circumstances will we share this data with third parties.

PRESTAMER may process the personal data provided by users for the following purposes:

a) Verifying user identity.

b) Managing the services offered through the app or website, such as managing loan applications or making loan decisions.

c) Assessing the repayment capacity of loan applicants by reviewing their solvency and credit reports.

d) Creating user profiles that enable automated decision-making.

e) Executing loan agreements.

f) Transferring loan funds.

g) Managing and collecting outstanding debts.

h) Updating information related to disbursed loans.

i) Preventing and detecting fraud and money laundering.

j) Sending commercial information about PRESTAMER's products and services, upon prior consent from users by checking the corresponding box.

k) Improving the service and its content through statistical analysis and market research.

l) Resolving incidents related to users.

m) Contacting users.

n) Any other purpose expressly stated in the loan application form or the general terms and conditions of the loan agreement.

We will not use the data provided by users for any purpose other than those described in this section.

How long do we retain your personal data?

Even if you are no longer a customer, we may retain your personal data to safeguard our legitimate interests in the event of a customer dispute or as required by law. However, we will retain personal data for as long as strictly necessary for the purpose for which it was collected, typically to fulfill our contractual obligations to you, exercise our legitimate interests, or comply with legally mandated data retention periods. Anti-money laundering and counter-terrorism financing regulations require us to retain customer data for at least 10 years.

How do we protect your data?

To ensure the effectiveness and efficiency of this data protection policy, INNOVATENET SDN. BHD. has implemented the technical and organizational security measures required by current personal data protection regulations.

We have implemented all necessary means and mechanisms to protect such data from alteration, loss, misuse, unauthorized processing, access, or theft, within the current state of technology. However, it should be noted that due to the nature and global nature of the internet, measures implemented on the internet are not impenetrable.

Data protection regulations empower data subjects to exercise a range of rights, enabling them to effectively and efficiently safeguard and protect their right to honour and personal and family privacy.

Cookies

The use of our applications and websites requires the use of cookies. Cookies are files downloaded to your computer when you visit certain websites. Among other functions, cookies allow websites to store and retrieve information about a user's browsing habits or their computer.

Also, depending on the information they contain and how their computer is used, they can be used to identify users.

If users prefer, they can configure their browser to receive a notification on the screen when a cookie is received and to prevent cookies from being installed on their hard drive. If you block cookies, you may not be able to fully use our applications and/or websites. We recommend that you consult your browser's instructions and manual for more information.

If you would like to learn more about the use of cookies on our applications and/or websites, please refer to our Cookie Policy.

Changes to our Privacy Policy

INNOVATENET SDN. BHD. reserves the right to modify and update its privacy policy; therefore, we recommend that you frequently review this page.

Any significant changes to our privacy policy in the future will be notified through this website or application.

If you do not agree to the new Privacy Policy and have reasons not to continue authorizing the processing of your personal data, you may request INNOVATENET SDN. BHD. to delete your information through the indicated channels, unless there are reasons for objection as stated above.