1. Introduction

Duit Nova (“we”, “us”, “our”) is committed to protecting the privacy of every visitor to this website. This Privacy Policy explains what personal information we collect through this website, why we collect it, how we use and store it, and the rights available to you under the Malaysian Personal Data Protection Act 2010 (PDPA).

By submitting an enquiry through this website, you confirm that you have read and understood this Privacy Policy and consent to the processing of your personal data as described here.

2. Personal Information We Collect

We only collect information that is necessary to respond to your enquiry and assess your financing eligibility. Through the enquiry form on this website we collect:

• Financing type — the type of financing you are enquiring about
• Full name — as stated on your MyKad
• Phone number — so we can contact you by call or WhatsApp
• Email address — optional
• Employment type and job title
• Requested financing amount
• Monthly salary and how your salary is paid
• Location — the state or area you are in

We also automatically collect limited technical information when you visit the site, such as your IP address, browser type, device type, referring page, and the marketing campaign parameters in the link you arrived through (for example utm_source or gclid).

We do not collect through this website: your MyKad number, banking passwords, TAC or OTP codes, card numbers, or copies of identity documents. Any documents required later in the process are requested separately and only through channels we confirm to you directly.

3. How We Use Your Information

Your personal information is used only for the following purposes:

• To contact you about the enquiry you submitted
• To carry out an initial eligibility assessment based on the information you provided
• To explain the applicable financing terms, rates, fees and repayment obligations to you
• To respond to your questions and provide customer support
• To keep records required for our internal compliance and audit purposes
• To improve the content, usability and performance of this website

We do not sell your personal information, and we do not share it for unrelated third-party marketing.

4. Consent and Withdrawal

We process your personal data on the basis of the consent you give when you submit the enquiry form. You may withdraw your consent at any time by contacting us using the details in section 10. If you withdraw your consent we will stop processing your data for the purposes above, though this may mean we can no longer assist with your enquiry. We may retain a minimal record where the law requires it.

5. Third-Party Services and Disclosure

We may share your information with the following categories of recipients, only to the extent necessary:

• Service providers that host this website, deliver our forms, or store enquiry records on our behalf
• Licensed financing partners or internal assessment teams who review your eligibility, where relevant to your enquiry
• Professional advisers such as auditors or legal counsel, where required
• Regulators, law-enforcement or government authorities, where we are legally obliged to disclose

Third parties acting on our behalf are required to keep your information confidential and to use it only for the purposes we specify.

⚠ Site owner: list your actual processors here (for example your form/webhook provider, CRM, hosting company) so this section is accurate.

6. Analytics and Advertising

We may use analytics and advertising technologies to understand how visitors use this website and to measure the performance of our advertising:

• Google Analytics 4 — aggregated usage statistics
• Google Ads — conversion measurement and remarketing
• Meta Pixel — conversion measurement and remarketing
• TikTok Pixel — conversion measurement

These services may set cookies or similar identifiers and may process data such as your IP address, device and browsing activity on this site. They act as independent controllers for that data under their own privacy policies. You can opt out of personalised Google advertising at adssettings.google.com.

⚠ Site owner: keep this list accurate — remove any platform you do not actually use, and add any you do.

7. Cookies

Cookies are small text files placed on your device. This website uses:

• Strictly necessary storage — we store your language preference (English or Bahasa Malaysia) in your browser session so the page stays in the language you chose. This is cleared when you close your browser.
• Analytics and advertising cookies — set by the third-party services listed in section 7, where those services are active.

You can block or delete cookies through your browser settings. Blocking cookies may affect how parts of the site work.

8. Your Rights Under the PDPA

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

• Access the personal data we hold about you
• Correct personal data that is inaccurate, incomplete or out of date
• Withdraw consent to our processing of your personal data
• Limit processing for direct marketing purposes
• Be informed about how your data is processed and to whom it may be disclosed

We will respond to a valid request within the time period required by law. We may need to verify your identity before acting on a request, and a small fee may apply to data access requests as permitted under the PDPA.

9. Children

This website and our financing enquiry service are intended for adults aged 18 and above. We do not knowingly collect personal information from anyone under 18. If you believe a minor has submitted information to us, please contact us so we can delete it.

10. Contact for Privacy Requests

To exercise any of the rights above, ask a question about this policy, or make a complaint about how we handle your data, contact us at:

• Email: ch.jasper@enquirymail.com
• Phone / WhatsApp: +60 10-925 1670 (available 24 hours)
• Postal address: 2, Jalan Kemajuan Subang, SS16, 47500 Subang Jaya, Selangor

11. Changes to This Policy

We may update this Privacy Policy from time to time. The revised version takes effect when it is published on this page, and the “Last updated” date above will change. We encourage you to review this page periodically.

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Terms & Conditions

By accessing or using this website you agree to these terms. If you do not agree, please do not use the site.

Use of this website

This website provides general information about personal financing and a form for submitting an enquiry. You agree to provide accurate and truthful information when you submit an enquiry, and not to use this website for any unlawful purpose or in a way that could damage, disable or impair it.

No offer of financing

Nothing on this website constitutes an offer, a commitment to lend, or an approval of financing. Submitting an enquiry does not create any obligation on either side. Any financing is subject to an eligibility assessment, document verification, and final approval, and takes effect only under a signed written agreement.

Calculator and estimates

The repayment calculators and the representative example shown on this website are illustrations only. They are generated from the values you enter and a stated calculation method. They are not quotations, and they do not include any fees or charges that may apply to an actual financing agreement. Your actual monthly repayment, interest rate, total repayment and applicable fees will be confirmed to you in writing before you sign anything.

Intellectual property

All content on this website, including text, layout, graphics and logos, belongs to us or our licensors and may not be reproduced without permission.

Governing law

These terms are governed by the laws of Malaysia, and the courts of Malaysia have exclusive jurisdiction over any dispute arising from them.

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Disclaimer

Not financial advice. The information on this website is general in nature and does not take account of your personal financial situation, needs or objectives. It is not financial, legal or tax advice. Consider seeking independent advice before entering into any financing agreement.

No guarantee of approval. We do not guarantee approval, a particular financing amount, a particular interest rate, or a particular processing timeframe. Every application is assessed on its own circumstances.

Interest rate cap. Interest on unsecured financing does not exceed 18% per annum. Your actual rate is confirmed on approval and stated in your financing agreement.

Borrow responsibly. Financing is a commitment. Only borrow what you can comfortably repay from your regular income, and make sure you understand the total repayment amount and the consequences of missing a payment before you commit.

Fraud warning. We will never ask for your banking password, TAC or OTP, and we do not request advance payments, “processing deposits” or “insurance fees” in order to release financing. If anyone claiming to represent us asks for these, do not pay, and contact us directly using the details on this website.

Third-party links. This website may link to third-party sites. We are not responsible for their content, accuracy or privacy practices.