Privacy Policy
The short version
The app has no account, no login and no server of its own. It never asks for your name, MyKad number, income, bank details or passwords. Everything you set in the calculators, tick in the checklist or mark as read stays on your phone and is removed when you uninstall the app.
The only exception is advertising: the app shows ads through Google AdMob, and the Google Mobile Ads SDK processes your device's advertising identifier to do so. That is described in full below.
1. Who is responsible
This policy is published by the developer of PM Credit Loan (the "developer", "we"). Contact details are at the end of this page.
2. Loan applications and applicant data
The app does not accept loan applications and does not collect applicant data of any kind. There is no application form, no upload of documents, and nothing you enter is sent anywhere. The app does not access your contacts, SMS messages, call logs, photos, media files or precise location, and it requests none of those permissions.
3. Information we do not collect
- Your name, email address, phone number or postal address
- Your MyKad / NRIC number or any other identity document
- Your income, employer, payslips, bank statements or credit information
- Bank account, card or payment details
- Passwords, PINs or one-time passwords
- Contacts, SMS, call logs, photos, files, or precise location
The only permission the app declares is Internet access, used for the ad configuration and for ads.
4. Information stored on your device only
The following is kept in the app's private storage on your phone. It is never uploaded or synced.
| What | Why |
|---|---|
| Checklist ticks and the guide chapters you have opened | So your progress survives closing the app |
| Theme choice and whether the welcome screens were shown | App settings |
| Launch count, ad pacing and any ad-free break you earned | To limit how often ads appear |
| A cached copy of the ad configuration file | So ad settings work without waiting for the network |
Calculator values are not saved between sessions. You can clear your progress at any time in Settings → Reset saved progress, or remove everything by uninstalling the app.
5. Advertising (Google AdMob)
The app is free and is supported by ads from Google AdMob. To serve and measure ads and to limit how often you see the same one, the Google Mobile Ads SDK may collect and process:
- Your device advertising identifier (Android Advertising ID)
- Device information such as model, operating system version and language
- Approximate location derived from your IP address (country or region level)
- Ad interaction events, such as impressions and clicks, and diagnostic information
This data is collected and processed by Google, not by us; we never receive it and cannot link it to you. It is shared with Google for advertising purposes. Google's use of it is described in How Google uses information from sites or apps that use its services and the Google Privacy Policy.
Your choices
- Where the law requires it, the app shows a consent form from Google's User Messaging Platform before any ad is requested. You can change or withdraw that consent at any time in Settings → Ad privacy choices (shown when it applies to your region).
- You can reset or delete your advertising ID, or opt out of ad personalisation, in your phone's settings under Google → Ads (or Privacy → Ads).
6. Network requests
- Ad configuration. A small settings file is downloaded over HTTPS so ads can be adjusted or switched off without an app update. The request carries no information about you.
- Ads. Requests made by the Google Mobile Ads SDK, described above.
- This page. Opened in your browser when you tap Privacy policy in the app.
All traffic uses HTTPS; unencrypted traffic is disabled in the app.
7. Children
The app is intended for adults aged 18 and over and is not directed at children. It is not intended for children under 13, and we do not knowingly collect information from children.
8. Retention and deletion
Because no personal data leaves your device, we hold nothing on any server to retain or delete. Data on your phone is removed when you reset progress in Settings or uninstall the app. For data processed by Google in connection with ads, use Google's controls linked above.
9. Your rights
Under Malaysia's Personal Data Protection Act 2010 and comparable laws elsewhere, you may have rights to access, correct or limit the processing of personal data about you. As the app keeps no personal data on any server, these rights are met by the on-device controls above. If you believe we hold data about you, contact us and we will respond.
10. Accuracy of the content
The figures, guides and calculators are educational estimates based on publicly available information. They are not an offer, a quotation or financial advice. Lenders set their own terms; always confirm the actual terms with the lender before you sign anything.
11. Changes to this policy
If this policy changes, the updated version will be published at this address with a new effective date at the top.
12. Contact
Questions about this policy or the app: publish@dirjenapk.web.id