1. Introduction

BUSINESS TOP CAPITAL SDN. BHD. is committed to protecting your personal data in accordance with the Personal Data Protection Act 2010 (PDPA) of Malaysia.

This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website:
https://businesstopcapital.com.my/

By using our website and services, you agree to the terms of this Privacy Policy.

2. Nature of Our Business

We are a licensed moneylending company regulated under the Ministry of Housing and Local Government (KPKT), Malaysia. We provide financial consultation and loan-related services in compliance with applicable Malaysian laws and regulations.

3. Information We Collect

We may collect the following types of personal data:

1) Personal Identification Information

• Full Name
• NRIC / Identification Number
• Phone Number
• Email Address
• Residential Address

2) Financial Information

• Employment details
• Income information
• Bank details
• Credit-related information

3) Technical Data

• IP address
• Browser type
• Device information
• Website usage data (cookies, analytics)

4. How We Use Your Information

Your information may be used for the following purposes:

• To process and evaluate your loan application
• To verify your identity and financial eligibility
• To contact you via phone, WhatsApp, SMS, or email
• To provide customer support and consultation
• To comply with legal and regulatory requirements
• To improve our services and website performance

5. Disclosure of Personal Data

We may disclose your information to:

• Internal staff and authorized representatives
• Licensed financial institutions or partners (if applicable)
• Regulatory authorities such as KPKT
• Legal, compliance, or enforcement bodies when required by law

We do NOT sell or rent your personal data to third parties.

6. Data Security

We implement reasonable and appropriate security measures to protect your personal data, including:

• Secure servers and data storage
• Access control and authorization
• Data encryption where applicable

However, no method of transmission over the internet is 100% secure.

7. Data Retention

We retain your personal data only as long as necessary for:

• Business and operational purposes
• Legal and regulatory compliance
• Dispute resolution and enforcement

8. Your Rights

Under the PDPA, you have the right to:

• Access your personal data
• Request correction of inaccurate data
• Withdraw consent (subject to legal limitations)

To exercise your rights, please contact us using the details below.

9. Cookies & Tracking Technologies

Our website may use cookies to:

• Improve user experience
• Analyze website traffic
• Optimize marketing performance

You may disable cookies via your browser settings.

10. Third-Party Links

Our website may contain links to third-party websites.
We are not responsible for the privacy practices of those websites.

11. Updates to This Policy

We may update this Privacy Policy from time to time.
Changes will be posted on this page with an updated effective date.

12. Contact Us

If you have any questions regarding this Privacy Policy or your personal data, please contact:

BUSINESS TOP CAPITAL SDN. BHD.
Email: support@businesstopcapital.com.my]
Phone: [your contact number]
Address: 610, 6th Floor, Menara Mutiara Majestic, Menara Mutiara Majestic, No 15, Jalan Othman, Section 3, 46000 Petaling Jaya, Selangor.