PDPA / T & C



RE: Consent Authorisation Under Personal Data Protection Act 2010 (‘’PDPA Act”) / Credit Reporting Agency Act 2010 (‘’CRA Act’’) And Central Bank of Malaysia Act (‘’CCRIS’’)

Pursuant to the CRA Act and Central Bank of Malaysia Act, I/we the undersigned do hereby give my/our consent to you and CTOS Data Systems Sdn Bhd  (“CTOS”) and RAM Credit Information Sdn Bhd, a registered credit reporting agency under the CRA Act to process my/our company and personal data.

By this consent, I/We understand and agree that:

1. You may conduct credit/trade check, CCRIS and DCHEQUE checks on us and where applicable with CTOS and RAM Credit Info at any time for as long as I/we have a trade relationship with you or where any dues remain unpaid and outstanding with you, for any one or more of the following purposes:

√ Opening of account                                            √ Credit/Account monitoring

√ Debt recovery                                                     √ Credit/Account evaluation

√ Credit/Account review

√ Legal documentation consequent to a contract or facility granted by you.

2. You may disclose any information on the Parties’ conduct of their accounts with you, to any business entity/ies for bona fide trade checking at anytime. The Parties are also aware and understand that such information will be provided to a credit reporting agency/ies, who may in turn share such information to subscribers of their service.

3. Where you require any processing of our application to be processed by any processing centre located outside Malaysia (including your Head Office), the Parties hereby give consent to CTOS and RAM Credit Info to disclose their credit, CCRIS & DCHEQUE reports to such locations outside Malaysia.

4. Apart from the above, the Parties undersigned do give our consent to you and the CTOS and RAM Credit Info, to process my/our personal data as per the PDPA Act.




Term & Condition

I solemnly declare:
1.  I have a basic table and filled in all the information provided related accessories provided are true.
2. Agreed to cooperate with the relevant requirements of the above to provide the necessary personal documents (including supporting information IC and goods that collateral & etc .