Terms, Seller Information & Privacy Notice
Last updated: [DATE]
1. Seller information
These disclosures are made under the Consumer Protection (Electronic Trade Transaction) Regulations 2024, in force 25 December 2024.
| Item | Detail |
|---|---|
| Name of seller / business | [FULL NAME OR SSM-REGISTERED BUSINESS NAME] |
| Business registration number | [SSM REGISTRATION NUMBER] |
| Email address | [SUPPORT EMAIL] |
| Telephone number | [PHONE, incl. country code] |
| Correspondence address | [ADDRESS] |
| Goods or services supplied | A digital PDF report ("SemakLayak Full Eligibility Report") generated from information the buyer enters into the free screening tool at semaklayak.pages.dev. Sold as a one-off digital download. No physical goods are supplied. |
| Main characteristics | An 8-page A4 PDF containing: the buyer's recognised income as assessed under published Malaysian bank practice; the buyer's debt service ratio; a lender-by-lender indicative comparison; interest-rate sensitivity analysis; a document checklist; and prioritised suggestions. It is an educational estimate, not a loan approval or financial advice. |
| Full price | RM39.00, inclusive of all charges. No delivery, transport, or handling cost applies (digital delivery). [CONFIRM YOUR SST REGISTRATION STATUS] |
| Method of payment | Online payment processed by Billplz Sdn Bhd — FPX online banking, and card or e-wallet where enabled. |
| Estimated delivery time | Immediate. Access is granted on confirmation of payment, normally within seconds. See section 3. |
| Terms and conditions of sale | Sections 2 and 3 of this page. |
| Safety and health certification | Not applicable — no physical goods are supplied. |
Maklumat Penjual
- Nama penjual / perniagaan: [NAMA PENUH ATAU NAMA PERNIAGAAN BERDAFTAR SSM]
- Nombor pendaftaran perniagaan: [NOMBOR PENDAFTARAN SSM]
- Alamat e-mel: [E-MEL SOKONGAN]
- Nombor telefon: [TELEFON]
- Alamat surat-menyurat: [ALAMAT]
- Barang atau perkhidmatan: Laporan PDF digital 8 halaman ("SemakLayak Full Eligibility Report") yang dijana daripada maklumat yang dimasukkan oleh pembeli ke dalam alat saringan percuma di semaklayak.pages.dev. Muat turun digital sekali sahaja. Tiada barang fizikal.
- Ciri-ciri utama: Anggaran pendidikan mengenai pendapatan yang diiktiraf, nisbah khidmat hutang (DSR), perbandingan indikatif antara bank, analisis sensitiviti kadar faedah, senarai semak dokumen dan cadangan keutamaan. Ini bukan kelulusan pinjaman dan bukan nasihat kewangan.
- Harga penuh: RM39.00, termasuk semua caj. Tiada kos penghantaran (penghantaran digital).
- Kaedah pembayaran: Pembayaran dalam talian diproses oleh Billplz Sdn Bhd — FPX perbankan dalam talian, kad atau e-dompet jika diaktifkan.
- Anggaran masa penghantaran: Serta-merta. Akses diberikan sebaik sahaja pembayaran disahkan, biasanya dalam beberapa saat.
- Terma dan syarat jualan: Seksyen 2 dan 3 di halaman ini.
- Pensijilan keselamatan dan kesihatan: Tidak berkenaan — tiada barang fizikal.
2. Terms of use
2.1 What this service is
SemakLayak is an independent, educational screening tool. It estimates borrowing capacity using publicly published Malaysian bank rates, published lending practice, and the figures you enter. It is not a bank, a licensed financial adviser, a moneylender, a credit reporting agency, or a loan broker, and it is not affiliated with, endorsed by, or acting for Bank Negara Malaysia, CCRIS, CTOS, or any financial institution named in the report.
2.2 No financial advice, no credit decision
Nothing produced by this service is financial advice or an offer of credit. A result is an illustration of how published affordability rules would apply to the figures you entered. Only a licensed financial institution can assess your eligibility, and only after reviewing your documents, your CCRIS record, and a valuation of the property. Your actual outcome may differ materially.
2.3 Your responsibilities
- Enter accurate figures. The output is only as good as the input.
- Do not rely on a result as a substitute for professional advice.
- Do not use this service to mislead a lender, or to submit false information in a loan application.
- You must be at least 18 years old to make a purchase.
2.4 Accuracy and availability
We take care to use current published rates, but bank rates, DSR ceilings, and credit policies change without notice. The free screening tool is provided "as is" without warranty of any kind. We do not warrant that the service will be uninterrupted or error-free, and we may change, suspend, or withdraw any part of it at any time.
2.5 Licence for the purchased report
When you buy the report, you receive a personal, non-exclusive, non-transferable licence to use and print it for your own household purposes. You may not resell it, publish it, redistribute it, or present it as your own professional advice. We retain copyright in the report and its underlying calculations.
2.6 Reviews, corrections and complaints
We may correct errors in the service or in a report at any time. If a report contains a material error, contact us under section 5 and we will correct or reissue it.
2.7 Limitation of liability
To the fullest extent permitted by Malaysian law, our total liability arising from your use of this service, or from any report, is limited to the amount you paid for that report. We are not liable for indirect or consequential loss, including any loss arising from a lending decision, a property purchase, or a change in interest rates.
Nothing in these terms excludes or limits any right you have under the Consumer Protection Act 1999, the Sale of Goods Act 1957, or any other Malaysian law that cannot be excluded by agreement.
2.8 Governing law
These terms are governed by the laws of Malaysia, and the Malaysian courts have jurisdiction over any dispute.
3. Delivery and refunds
3.1 Delivery
The report is a digital download. There is no physical shipment and therefore no delivery charge. On confirmation of payment you are returned to the report page and access is granted automatically, normally within seconds. An acknowledgement and receipt is sent by email by our payment processor, Billplz.
If payment succeeds but the report does not open, contact us under section 5 and we will restore access. Access remains valid for as long as we operate the service.
3.2 Reviewing your order before you pay
You can review and change every figure, your name, and your email address before you confirm payment. Your inputs are shown on screen and nothing is charged until you complete payment on the Billplz page. If you spot an error, go back and correct it — you will not be charged for a corrected order.
3.3 Refunds
Because the report is delivered instantly and is generated from your own inputs, we do not offer refunds for a change of mind. We will refund you, in full, where:
- you were charged but never received access to the report;
- the report is defective, unreadable, or materially different from the description in section 1;
- the figures in the report are materially wrong because of an error in our software (as distinct from figures you entered incorrectly); or
- Malaysian law otherwise requires a refund.
Ask within 30 days of purchase, under section 5. Where a refund is due for any reason within our control, we bear the cost of returning the amount to you.
4. Privacy notice — Personal Data Protection Act 2010
4.1 What we collect, and when
The free screening tool collects nothing. Every calculation runs inside your own browser. Your income, commitments, and any document you upload are never transmitted to us or to anyone else, and are not stored on our servers.
We collect personal data only if you decide to buy the report:
| Data | Why |
|---|---|
| Your name | To identify you on the report and on the payment record |
| Your email address | To issue your receipt, and to restore access if you lose it |
| Your mobile number (optional) | Only if you choose to give it, so we can help with a payment problem |
| Payment record (amount, date, status, reference) | To confirm payment and to keep accounting and tax records |
We do not collect or store your bank login, your card number, your identity card number, or your full financial profile. Card and banking details are entered directly with our payment processor and never reach us.
4.2 What we do not do
- We do not sell, rent, or trade your personal data.
- We do not use your data for advertising or profiling.
- We do not send marketing messages unless you separately ask us to.
- We do not make automated decisions about you — the report is a calculation from your own inputs, not a credit decision.
4.3 Who else sees it
- Billplz Sdn Bhd — our payment processor. Your name, email address, mobile number and payment amount are sent to Billplz to create and settle the payment. Billplz is a separate data user for its own payment and regulatory obligations; see Billplz's own privacy notice.
- Cloudflare, Inc. — our hosting provider. Our site and its payment interface run on Cloudflare's network, so requests, including the data above, pass through Cloudflare infrastructure, which may be located outside Malaysia.
- Our email provider — [ONLY IF YOU USE ONE FOR SUPPORT]
We disclose personal data to no one else, except where Malaysian law requires it.
4.4 Sending data outside Malaysia
Our hosting and payment providers operate globally, so data may be processed outside Malaysia. Where this happens we rely on the transfer provisions in the PDPA, as amended in 2024, and we require providers to protect the data to a standard equivalent to the PDPA.
4.5 How long we keep it
- Support correspondence — up to 24 months, then deleted.
- Payment and tax records — 7 years, as Malaysian tax law requires. Held by our payment processor and our accounting records.
- The unlock token in your browser — stored on your own device and linked to your payment reference. Clear it at any time by clearing your browser data.
- Your screening inputs — stored in your own browser only. We never receive them.
4.6 How we protect it
All traffic is encrypted in transit (HTTPS). Payment pages are hosted by our processor. We hold no customer database, which removes the most common cause of a data breach in a business of this size. Access to any support mailbox or payment dashboard is protected by strong authentication.
4.7 If something goes wrong
If a personal data breach occurs that is likely to cause you significant harm, we will notify the Personal Data Protection Commissioner and we will tell you without unnecessary delay. This obligation applies under the PDPA as amended in 2024.
4.8 Your rights
- Access — ask for a copy of the personal data we hold about you.
- Correction — ask us to correct anything inaccurate.
- Withdraw consent — stop us processing your data, subject to records we must keep by law.
- Limit processing — ask us to restrict what we do with it.
- Data portability — ask for your data in a common digital format.
Contact our Data Protection Officer using the details in section 5. We will respond within 21 days. If you are not satisfied, you may complain to the Personal Data Protection Commissioner at pdp.gov.my.
4.9 Data Protection Officer
Name: [DPO NAME] · Email: [DPO EMAIL]
The PDPA, as amended in 2024, requires a data controller to appoint at least one Data Protection Officer and to notify the Commissioner of the appointment.
4.1 Apa yang kami kumpul, dan bila
Alat saringan percuma tidak mengumpul apa-apa. Semua pengiraan berjalan di dalam pelayar anda sendiri. Pendapatan, komitmen dan sebarang dokumen yang anda muat naik tidak pernah dihantar kepada kami atau kepada sesiapa, dan tidak disimpan di pelayan kami.
Kami mengumpul data peribadi hanya jika anda memutuskan untuk membeli laporan:
| Data | Mengapa |
|---|---|
| Nama anda | Untuk mengenal pasti anda pada laporan dan pada rekod pembayaran |
| Alamat e-mel anda | Untuk mengeluarkan resit, dan memulihkan akses jika anda kehilangannya |
| Nombor telefon anda (pilihan) | Hanya jika anda memilih untuk memberikannya, supaya kami boleh membantu jika berlaku masalah pembayaran |
| Rekod pembayaran (jumlah, tarikh, status, rujukan) | Untuk mengesahkan pembayaran dan menyimpan rekod perakaunan dan cukai |
Kami tidak mengumpul atau menyimpan log masuk bank anda, nombor kad anda, nombor kad pengenalan anda, atau profil kewangan penuh anda. Butiran kad dan perbankan dimasukkan terus dengan pemproses pembayaran kami dan tidak pernah sampai kepada kami.
4.2 Apa yang kami tidak lakukan
- Kami tidak menjual, menyewa atau memperdagangkan data peribadi anda.
- Kami tidak menggunakan data anda untuk pengiklanan atau pembuatan profil.
- Kami tidak menghantar mesej pemasaran melainkan anda memintanya secara berasingan.
- Kami tidak membuat keputusan automatik tentang anda — laporan itu ialah pengiraan daripada input anda sendiri, bukan keputusan kredit.
4.3 Siapa lagi yang melihatnya
- Billplz Sdn Bhd — pemproses pembayaran kami. Nama, alamat e-mel, nombor telefon dan jumlah pembayaran anda dihantar kepada Billplz untuk membuat dan menyelesaikan pembayaran. Billplz ialah pengguna data yang berasingan bagi kewajipan pembayaran dan kawal selianya sendiri.
- Cloudflare, Inc. — penyedia pengehosan kami. Laman kami dan antara muka pembayarannya berjalan pada rangkaian Cloudflare, jadi permintaan termasuk data di atas melalui infrastruktur Cloudflare, yang mungkin terletak di luar Malaysia.
- Penyedia e-mel kami — [HANYA JIKA ANDA MENGGUNAKANNYA UNTUK SOKONGAN]
Kami tidak mendedahkan data peribadi kepada sesiapa lain, kecuali jika undang-undang Malaysia menghendakinya.
4.4 Menghantar data ke luar Malaysia
Penyedia pengehosan dan pembayaran kami beroperasi secara global, jadi data mungkin diproses di luar Malaysia. Kami bergantung pada peruntukan pemindahan dalam PDPA, sebagaimana dipinda pada 2024, dan kami menghendaki penyedia melindungi data pada standard yang setara dengan PDPA.
4.5 Berapa lama kami menyimpannya
- Surat-menyurat sokongan — sehingga 24 bulan, kemudian dipadamkan.
- Rekod pembayaran dan cukai — 7 tahun, seperti yang dikehendaki oleh undang-undang cukai Malaysia.
- Token buka kunci dalam pelayar anda — disimpan pada peranti anda sendiri dan dikaitkan dengan rujukan pembayaran anda. Padamkannya bila-bila masa dengan memadamkan data pelayar anda.
- Input saringan anda — disimpan dalam pelayar anda sahaja. Kami tidak pernah menerimanya.
4.6 Bagaimana kami melindunginya
Semua trafik disulitkan semasa transit (HTTPS). Halaman pembayaran dihoskan oleh pemproses kami. Kami tidak menyimpan pangkalan data pelanggan, yang menghapuskan punca paling biasa kebocoran data dalam perniagaan sebesar ini. Akses kepada mana-mana peti mel sokongan atau papan pemuka pembayaran dilindungi dengan pengesahan yang kukuh.
4.7 Jika berlaku sesuatu yang tidak diingini
Jika berlaku pelanggaran data peribadi yang mungkin menyebabkan anda kerugian besar, kami akan memberitahu Pesuruhjaya Perlindungan Data Peribadi dan kami akan memberitahu anda tanpa kelewatan yang tidak perlu. Kewajipan ini terpakai di bawah PDPA sebagaimana dipinda pada 2024.
4.8 Hak anda
- Akses — minta salinan data peribadi yang kami simpan tentang anda.
- Pembetulan — minta kami membetulkan apa-apa yang tidak tepat.
- Tarik balik persetujuan — hentikan pemprosesan data anda, tertakluk kepada rekod yang mesti kami simpan mengikut undang-undang.
- Hadkan pemprosesan — minta kami mengehadkan apa yang kami lakukan dengannya.
- Kemudahalihan data — minta data anda dalam format digital yang biasa.
Hubungi Pegawai Perlindungan Data kami menggunakan butiran dalam seksyen 5. Kami akan membalas dalam tempoh 21 hari. Jika anda tidak berpuas hati, anda boleh mengadu kepada Pesuruhjaya Perlindungan Data Peribadi di pdp.gov.my.
4.9 Pegawai Perlindungan Data
Nama: [NAMA DPO] · E-mel: [E-MEL DPO]
PDPA, sebagaimana dipinda pada 2024, menghendaki pengawal data melantik sekurang-kurangnya seorang Pegawai Perlindungan Data dan memberitahu Pesuruhjaya mengenai pelantikan itu.
5. Contact and complaints
Support, access problems, refunds
Email: [SUPPORT EMAIL]
Telephone: [PHONE]
WhatsApp: [WHATSAPP NUMBER]
We aim to respond within 2 working days.
Data protection matters
Data Protection Officer: [DPO EMAIL]
If we cannot resolve it
You may refer a consumer dispute to the Tribunal for Consumer Claims Malaysia (TTPM) under the Consumer Protection Act 1999. Data protection complaints may be made to the Personal Data Protection Commissioner at pdp.gov.my.