Privacy Policy

Effective Date: 14 August 2026

Evergreen Credit Express Sdn. Bhd. (“Evergreen”, “we”, “us” or “our”) respects your privacy and is committed to protecting your personal data.

This Privacy Policy / Personal Data Protection Notice (“Privacy Policy”) explains how Evergreen collects, uses, processes, stores, discloses and protects your personal data when you use our website, mobile application, online platform, financing services or otherwise interact with us.

This Privacy Policy is issued in accordance with the Personal Data Protection Act 2010 [Act 709] (“PDPA”), as applicable, and other applicable laws and regulations of Malaysia.

By submitting your personal data to Evergreen, using our application or applying for our financing facilities, you acknowledge that you have read and understood this Privacy Policy and consent to the processing of your personal data for the purposes described below, subject to applicable law.

1. INFORMATION WE COLLECT

Depending on the nature of your application, account or relationship with us, Evergreen may collect and process the following categories of personal data:

1.1 Identification Information

Full name;
NRIC number / passport number / other identification number;
Date of birth;
Nationality;
Gender;
Residential address;
Correspondence address;
Identification documents and related information;
Photographs and identification images.

1.2 Contact Information

Mobile telephone number;
Telephone number;
Email address;
Residential and correspondence address;
Emergency/contact person information where provided or required.

1.3 Employment and Income Information

Employer name;
Employer address and contact information;
Employment position;
Employment status;
Length of service;
Salary and other income information;
Payslips;
Employment confirmation documents;
EPF or other employment-related information where applicable;
Bank statements or other documents provided for income verification;
Information obtained from an employer or authorised verification source where permitted by law.

1.4 Financial and Financing Information

Financing application details;
Existing financial commitments;
Financing and repayment information;
Bank account information;
Payment and transaction information;
Outstanding balances;
Repayment history;
Settlement information;
Information relating to arrears or default;
Information required to assess affordability and eligibility.

1.5 Credit and Verification Information

Where permitted by applicable law, Evergreen may collect or obtain information for the purposes of assessing your financing application, including information from credit reporting agencies, verification providers and other lawful sources.

This may include credit-related information, repayment information, verification results and other information relevant to assessing your application and managing your financing account.

1.6 eKYC and Electronic Verification Information

Where applicable, we may collect and process information required for electronic Know-Your-Customer (“eKYC”) and identity verification processes, including:

Identity document images;
Selfies or facial images;
Video recordings;
Verification recordings;
Verification results;
Device and technical information associated with the verification process.

1.7 Application and Device Information

When you use our application or online services, we may collect technical information such as:

IP address;
Device type;
Operating system;
Application version;
Browser information;
Login information;
Date and time of access;
Security logs;
Device identifiers where applicable;
Information relating to your use of our application.

We use such information mainly for security, fraud prevention, system administration, troubleshooting and improving our services.

2. HOW WE COLLECT YOUR PERSONAL DATA

We may collect your personal data through:

Our mobile application;
Our website or online platform;
Financing application forms;
Documents submitted by you;
Electronic or digital forms;
eKYC and identity verification processes;
Telephone calls, WhatsApp or other communication channels;
Emails and other correspondence;
Payment transactions;
Your employer or authorised verification channels, where applicable;
Credit reporting agencies and other lawful information sources;
Our authorised agents, representatives, service providers or business partners;
Publicly available sources where permitted by law.

Where personal data is provided to us by another person or organisation on your behalf, you represent that the relevant information has been provided lawfully and that any required consent or authority has been obtained.

3. PURPOSES OF PROCESSING YOUR PERSONAL DATA

Evergreen may collect, use and process your personal data for the following purposes:

3.1 Financing Application

To receive and process your financing application;
To verify your identity;
To assess your eligibility;
To assess your income and financial position;
To conduct affordability and financing assessments;
To perform necessary verification and due diligence;
To make financing decisions.

3.2 Credit and Background Checks

Where permitted by law, we may use your information to:

Conduct credit checks;
Obtain information from credit reporting agencies;
Verify your financial information;
Assess repayment capability;
Prevent fraud and misuse;
Manage credit and financing risks.

3.3 Employment Verification

We may process your employment-related information to verify:

Your employer;
Employment status;
Position;
Length of service;
Salary or income;
Other information relevant to your financing application.

Where applicable, verification may involve your employer, payroll department or other authorised verification channels.

3.4 Financing Documentation and Disbursement

Your personal data may be used to:

Prepare financing agreements and related documents;
Facilitate electronic signing;
Complete stamping or registration requirements;
Process financing disbursement;
Verify bank account information;
Maintain financing records.

3.5 Repayment and Account Management

We may process your personal data to:

Record and monitor repayments;
Manage your financing account;
Issue statements or payment information;
Process payment arrangements;
Monitor outstanding balances;
Handle early settlement requests;
Respond to account enquiries.

3.6 Payroll / Salary Deduction / Angkasa Processing

Where applicable and subject to the relevant arrangement, authority and applicable requirements, your personal data may be processed for purposes relating to salary deduction, payroll deduction, cooperative arrangements or other authorised repayment mechanisms, including processing with relevant payroll administrators or authorised parties.

3.7 Collection and Recovery

Where an amount becomes overdue or remains unpaid, we may use and disclose relevant personal data, subject to applicable laws, for purposes including:

Communicating with you regarding outstanding payments;
Sending payment reminders;
Discussing repayment arrangements;
Managing arrears;
Engaging authorised collection service providers;
Taking lawful recovery or legal action;
Maintaining records of collection activities.

Evergreen will handle collection activities in accordance with applicable laws and regulations.

3.8 Fraud Prevention and Security

We may process your personal data to:

Detect and prevent fraud;
Detect suspicious activities;
Protect our systems and customers;
Verify identity;
Prevent unauthorised access;
Investigate suspected misuse or fraudulent applications.

3.9 Legal and Regulatory Compliance

We may process and disclose personal data where reasonably necessary to:

Comply with applicable laws and regulations;
Respond to lawful requests from government authorities, regulators or enforcement agencies;
Fulfil legal obligations;
Establish, exercise or defend legal claims;
Protect our legal rights and interests.

3.10 Customer Service and Communications

We may use your contact information to:

Respond to enquiries;
Provide customer support;
Notify you about your application;
Notify you about your financing account;
Send important service or administrative communications;
Provide information relating to your account or services.

4. DISCLOSURE OF PERSONAL DATA

Evergreen may disclose your personal data, where necessary and permitted by applicable law, to relevant parties including:

Credit reporting agencies;
Banks and payment service providers;
Employers or authorised payroll departments;
Relevant payroll deduction or repayment administrators;
Cooperatives or other relevant parties involved in the financing arrangement;
eKYC and identity verification service providers;
Electronic signature providers;
Technology and IT service providers;
Cloud storage and hosting providers;
System integration and software providers;
Professional advisers, including lawyers, auditors and accountants;
Authorised collection or recovery service providers;
Business partners and authorised representatives;
Government authorities and regulators;
Courts, law enforcement agencies or other authorities where required or permitted by law.

We will take reasonable steps to ensure that third parties receiving personal data are subject to appropriate confidentiality, security and data protection obligations, where applicable.

5. CREDIT REPORTING

Where applicable and permitted by law, Evergreen may obtain, use and disclose information to or from credit reporting agencies and other lawful sources for purposes including:

Assessing financing applications;
Verifying financial information;
Managing credit risk;
Monitoring financing accounts;
Managing arrears and repayment performance;
Preventing fraud;
Complying with applicable legal and regulatory requirements.

Credit reporting agencies may process your information in accordance with their own privacy policies and applicable laws.

6. SECURITY OF YOUR PERSONAL DATA

Evergreen takes reasonable and appropriate measures to protect personal data against:

Unauthorised access;
Unauthorised disclosure;
Loss;
Misuse;
Alteration;
Destruction;
Unauthorised processing.

Security measures may include access controls, authentication, system monitoring, secure transmission, restricted access to documents and other appropriate technical and organisational safeguards.

However, no electronic transmission or storage system can be guaranteed to be completely secure. While we take reasonable measures to protect your personal data, we cannot guarantee absolute security.

7. RETENTION OF PERSONAL DATA

Evergreen will retain your personal data only for as long as reasonably necessary to fulfil the purposes for which it was collected, including purposes relating to:

Your financing application;
Your financing account;
Repayment and collection;
Legal and regulatory obligations;
Dispute resolution;
Fraud prevention;
Audit and record-keeping requirements.

When your personal data is no longer required, Evergreen will take reasonable steps to securely delete, destroy or anonymise it, subject to applicable legal, regulatory and operational requirements.

8. TRANSFER OF PERSONAL DATA

Your personal data may, where necessary, be processed or stored using third-party service providers, including technology, cloud, software, eKYC, electronic signing, payment or other service providers.

Where personal data is transferred outside Malaysia, Evergreen will take reasonable steps to ensure that such transfer is carried out in accordance with applicable Malaysian data protection requirements.

9. YOUR RIGHTS

Subject to applicable laws and any relevant limitations, you may have rights in relation to your personal data, including:

9.1 Right of Access

You may request access to personal data held by Evergreen about you.

9.2 Right of Correction

You may request that inaccurate, incomplete or outdated personal data be corrected.

9.3 Right to Withdraw Consent

Where processing is based on consent, you may withdraw your consent, subject to applicable laws and any consequences arising from such withdrawal.

Please note that withdrawing consent may affect our ability to process or continue providing certain services, including processing a financing application or managing an existing financing relationship.

9.4 Right to Prevent Certain Processing

Where applicable, you may request that Evergreen cease or restrict processing for certain purposes, including direct marketing.

Requests may be subject to applicable legal and regulatory requirements.

10. MARKETING AND PROMOTIONAL COMMUNICATIONS

Where permitted by applicable law, Evergreen may use your contact information to provide information about products, services, promotions or other communications.

Where consent is required, Evergreen will obtain the appropriate consent.

You may request that we stop sending direct marketing communications by contacting us using the details provided below or by using the unsubscribe/opt-out mechanism provided in the relevant communication.

Please note that administrative, transactional, security and financing-related communications may continue where necessary for the provision or management of our services.

11. COOKIES AND SIMILAR TECHNOLOGIES

Our website or application may use cookies, device identifiers or similar technologies for purposes such as:

Maintaining application functionality;
Remembering preferences;
Improving user experience;
Monitoring system performance;
Security and fraud prevention;
Analysing usage of our services.

You may be able to manage certain cookie settings through your browser or device settings. Disabling certain technologies may affect the functionality of our website or application.

12. PERSONAL DATA OF OTHER INDIVIDUALS

If you provide Evergreen with personal data relating to another individual, such as an emergency contact, reference person or other relevant person, you should ensure that you have the necessary authority or consent to provide that information to us.

You should inform that person that their personal data may be provided to and processed by Evergreen for the relevant purposes.

13. INFORMATION YOU PROVIDE THROUGH THE APPLICATION

You are responsible for ensuring that the personal data and documents submitted through our application are accurate, complete and up to date.

You should not submit documents or information belonging to another person unless you are authorised to do so.

Providing inaccurate, incomplete, misleading or fraudulent information may affect your financing application and may result in further action where permitted by law.

14. THIRD-PARTY WEBSITES AND SERVICES

Our application or website may contain links to third-party websites or services.

Evergreen is not responsible for the privacy practices, security or content of third-party websites or services.

We recommend that you review the relevant third party's privacy policy before providing personal data to them.

15. CHILDREN

Our financing services are not intended for children or persons who are not legally eligible to enter into the relevant financing arrangements.

Evergreen does not knowingly collect personal data from children for the purpose of providing personal financing services.

16. CHANGES TO THIS PRIVACY POLICY

Evergreen may update this Privacy Policy from time to time to reflect:

Changes in our services;
Changes in technology;
Changes in applicable laws or regulations;
Changes in our data processing practices;
Other operational or regulatory requirements.

The updated version will be made available through our application, website or other appropriate communication channels.

The “Effective Date” at the beginning of this Privacy Policy indicates when the current version took effect.

17. CONTACT US

If you have any questions, requests or complaints regarding your personal data or this Privacy Policy, you may contact us at:

Evergreen Credit Express Sdn. Bhd.

Address: 9-9, WISMA TRAX, NO 1 JALAN LIMA OFF JALAN CHAN SOW LIN, 55200 KUALA LUMPUR

Telephone: 03-92247413

Email: [email protected]

Website / Application: https://app.ece.credit

For personal data requests, please provide sufficient information to enable us to identify you and process your request.

Evergreen may take reasonable steps to verify your identity before processing an access, correction or other personal data request.

18. ACKNOWLEDGEMENT

By submitting your personal data to Evergreen, registering for an account, submitting a financing application or using our services, you acknowledge that you have read and understood this Privacy Policy.

Where consent is required under applicable law, your consent will be obtained through the relevant application, form or communication process.

Last Updated: 14 August 2026

Evergreen Credit Express Sdn. Bhd.

Privacy Policy

Effective Date: 14 August 2026

Evergreen Credit Express Sdn. Bhd. (“Evergreen”, “we”, “us” or “our”) respects your privacy and is committed to protecting your personal data.

This Privacy Policy is issued in accordance with the Personal Data Protection Act 2010 [Act 709] (“PDPA”), as applicable, and other applicable laws and regulations of Malaysia.

1. INFORMATION WE COLLECT

Depending on the nature of your application, account or relationship with us, Evergreen may collect and process the following categories of personal data:

1.1 Identification Information

Full name;
NRIC number / passport number / other identification number;
Date of birth;
Nationality;
Gender;
Residential address;
Correspondence address;
Identification documents and related information;
Photographs and identification images.

1.2 Contact Information

Mobile telephone number;
Telephone number;
Email address;
Residential and correspondence address;
Emergency/contact person information where provided or required.

1.3 Employment and Income Information

Employer name;
Employer address and contact information;
Employment position;
Employment status;
Length of service;
Salary and other income information;
Payslips;
Employment confirmation documents;
EPF or other employment-related information where applicable;
Bank statements or other documents provided for income verification;
Information obtained from an employer or authorised verification source where permitted by law.

1.4 Financial and Financing Information

Financing application details;
Existing financial commitments;
Financing and repayment information;
Bank account information;
Payment and transaction information;
Outstanding balances;
Repayment history;
Settlement information;
Information relating to arrears or default;
Information required to assess affordability and eligibility.

1.5 Credit and Verification Information

This may include credit-related information, repayment information, verification results and other information relevant to assessing your application and managing your financing account.

1.6 eKYC and Electronic Verification Information

Where applicable, we may collect and process information required for electronic Know-Your-Customer (“eKYC”) and identity verification processes, including:

Identity document images;
Selfies or facial images;
Video recordings;
Verification recordings;
Verification results;
Device and technical information associated with the verification process.

1.7 Application and Device Information

When you use our application or online services, we may collect technical information such as:

IP address;
Device type;
Operating system;
Application version;
Browser information;
Login information;
Date and time of access;
Security logs;
Device identifiers where applicable;
Information relating to your use of our application.

We use such information mainly for security, fraud prevention, system administration, troubleshooting and improving our services.

2. HOW WE COLLECT YOUR PERSONAL DATA

We may collect your personal data through:

Our mobile application;
Our website or online platform;
Financing application forms;
Documents submitted by you;
Electronic or digital forms;
eKYC and identity verification processes;
Telephone calls, WhatsApp or other communication channels;
Emails and other correspondence;
Payment transactions;
Your employer or authorised verification channels, where applicable;
Credit reporting agencies and other lawful information sources;
Our authorised agents, representatives, service providers or business partners;
Publicly available sources where permitted by law.

3. PURPOSES OF PROCESSING YOUR PERSONAL DATA

Evergreen may collect, use and process your personal data for the following purposes:

3.1 Financing Application

To receive and process your financing application;
To verify your identity;
To assess your eligibility;
To assess your income and financial position;
To conduct affordability and financing assessments;
To perform necessary verification and due diligence;
To make financing decisions.

3.2 Credit and Background Checks

Where permitted by law, we may use your information to:

Conduct credit checks;
Obtain information from credit reporting agencies;
Verify your financial information;
Assess repayment capability;
Prevent fraud and misuse;
Manage credit and financing risks.

3.3 Employment Verification

We may process your employment-related information to verify:

Your employer;
Employment status;
Position;
Length of service;
Salary or income;
Other information relevant to your financing application.

Where applicable, verification may involve your employer, payroll department or other authorised verification channels.

3.4 Financing Documentation and Disbursement

Your personal data may be used to:

Prepare financing agreements and related documents;
Facilitate electronic signing;
Complete stamping or registration requirements;
Process financing disbursement;
Verify bank account information;
Maintain financing records.

3.5 Repayment and Account Management

We may process your personal data to:

Record and monitor repayments;
Manage your financing account;
Issue statements or payment information;
Process payment arrangements;
Monitor outstanding balances;
Handle early settlement requests;
Respond to account enquiries.

3.6 Payroll / Salary Deduction / Angkasa Processing

3.7 Collection and Recovery

Where an amount becomes overdue or remains unpaid, we may use and disclose relevant personal data, subject to applicable laws, for purposes including:

Communicating with you regarding outstanding payments;
Sending payment reminders;
Discussing repayment arrangements;
Managing arrears;
Engaging authorised collection service providers;
Taking lawful recovery or legal action;
Maintaining records of collection activities.

Evergreen will handle collection activities in accordance with applicable laws and regulations.

3.8 Fraud Prevention and Security

We may process your personal data to:

Detect and prevent fraud;
Detect suspicious activities;
Protect our systems and customers;
Verify identity;
Prevent unauthorised access;
Investigate suspected misuse or fraudulent applications.

3.9 Legal and Regulatory Compliance

We may process and disclose personal data where reasonably necessary to:

Comply with applicable laws and regulations;
Respond to lawful requests from government authorities, regulators or enforcement agencies;
Fulfil legal obligations;
Establish, exercise or defend legal claims;
Protect our legal rights and interests.

3.10 Customer Service and Communications

We may use your contact information to:

Respond to enquiries;
Provide customer support;
Notify you about your application;
Notify you about your financing account;
Send important service or administrative communications;
Provide information relating to your account or services.

4. DISCLOSURE OF PERSONAL DATA

Evergreen may disclose your personal data, where necessary and permitted by applicable law, to relevant parties including:

Credit reporting agencies;
Banks and payment service providers;
Employers or authorised payroll departments;
Relevant payroll deduction or repayment administrators;
Cooperatives or other relevant parties involved in the financing arrangement;
eKYC and identity verification service providers;
Electronic signature providers;
Technology and IT service providers;
Cloud storage and hosting providers;
System integration and software providers;
Professional advisers, including lawyers, auditors and accountants;
Authorised collection or recovery service providers;
Business partners and authorised representatives;
Government authorities and regulators;
Courts, law enforcement agencies or other authorities where required or permitted by law.

We will take reasonable steps to ensure that third parties receiving personal data are subject to appropriate confidentiality, security and data protection obligations, where applicable.

5. CREDIT REPORTING

Where applicable and permitted by law, Evergreen may obtain, use and disclose information to or from credit reporting agencies and other lawful sources for purposes including:

Assessing financing applications;
Verifying financial information;
Managing credit risk;
Monitoring financing accounts;
Managing arrears and repayment performance;
Preventing fraud;
Complying with applicable legal and regulatory requirements.

Credit reporting agencies may process your information in accordance with their own privacy policies and applicable laws.

6. SECURITY OF YOUR PERSONAL DATA

Evergreen takes reasonable and appropriate measures to protect personal data against:

Unauthorised access;
Unauthorised disclosure;
Loss;
Misuse;
Alteration;
Destruction;
Unauthorised processing.

Security measures may include access controls, authentication, system monitoring, secure transmission, restricted access to documents and other appropriate technical and organisational safeguards.

7. RETENTION OF PERSONAL DATA

Evergreen will retain your personal data only for as long as reasonably necessary to fulfil the purposes for which it was collected, including purposes relating to:

Your financing application;
Your financing account;
Repayment and collection;
Legal and regulatory obligations;
Dispute resolution;
Fraud prevention;
Audit and record-keeping requirements.

When your personal data is no longer required, Evergreen will take reasonable steps to securely delete, destroy or anonymise it, subject to applicable legal, regulatory and operational requirements.

8. TRANSFER OF PERSONAL DATA

9. YOUR RIGHTS

Subject to applicable laws and any relevant limitations, you may have rights in relation to your personal data, including:

9.1 Right of Access

You may request access to personal data held by Evergreen about you.

9.2 Right of Correction

You may request that inaccurate, incomplete or outdated personal data be corrected.

9.3 Right to Withdraw Consent

Where processing is based on consent, you may withdraw your consent, subject to applicable laws and any consequences arising from such withdrawal.

9.4 Right to Prevent Certain Processing

Where applicable, you may request that Evergreen cease or restrict processing for certain purposes, including direct marketing.

Requests may be subject to applicable legal and regulatory requirements.

10. MARKETING AND PROMOTIONAL COMMUNICATIONS

Where permitted by applicable law, Evergreen may use your contact information to provide information about products, services, promotions or other communications.

Where consent is required, Evergreen will obtain the appropriate consent.

Please note that administrative, transactional, security and financing-related communications may continue where necessary for the provision or management of our services.

11. COOKIES AND SIMILAR TECHNOLOGIES

Our website or application may use cookies, device identifiers or similar technologies for purposes such as:

Maintaining application functionality;
Remembering preferences;
Improving user experience;
Monitoring system performance;
Security and fraud prevention;
Analysing usage of our services.

You may be able to manage certain cookie settings through your browser or device settings. Disabling certain technologies may affect the functionality of our website or application.

12. PERSONAL DATA OF OTHER INDIVIDUALS

You should inform that person that their personal data may be provided to and processed by Evergreen for the relevant purposes.

13. INFORMATION YOU PROVIDE THROUGH THE APPLICATION

You are responsible for ensuring that the personal data and documents submitted through our application are accurate, complete and up to date.

You should not submit documents or information belonging to another person unless you are authorised to do so.

Providing inaccurate, incomplete, misleading or fraudulent information may affect your financing application and may result in further action where permitted by law.

14. THIRD-PARTY WEBSITES AND SERVICES

Our application or website may contain links to third-party websites or services.

Evergreen is not responsible for the privacy practices, security or content of third-party websites or services.

We recommend that you review the relevant third party's privacy policy before providing personal data to them.

15. CHILDREN

Our financing services are not intended for children or persons who are not legally eligible to enter into the relevant financing arrangements.

Evergreen does not knowingly collect personal data from children for the purpose of providing personal financing services.

16. CHANGES TO THIS PRIVACY POLICY

Evergreen may update this Privacy Policy from time to time to reflect:

Changes in our services;
Changes in technology;
Changes in applicable laws or regulations;
Changes in our data processing practices;
Other operational or regulatory requirements.

The updated version will be made available through our application, website or other appropriate communication channels.

The “Effective Date” at the beginning of this Privacy Policy indicates when the current version took effect.

17. CONTACT US

If you have any questions, requests or complaints regarding your personal data or this Privacy Policy, you may contact us at:

Evergreen Credit Express Sdn. Bhd.

Address: 9-9, WISMA TRAX, NO 1 JALAN LIMA OFF JALAN CHAN SOW LIN, 55200 KUALA LUMPUR

Telephone: 03-92247413

Email: [email protected]

Website / Application: https://app.ece.credit

For personal data requests, please provide sufficient information to enable us to identify you and process your request.

Evergreen may take reasonable steps to verify your identity before processing an access, correction or other personal data request.

18. ACKNOWLEDGEMENT

Where consent is required under applicable law, your consent will be obtained through the relevant application, form or communication process.

Last Updated: 14 August 2026

Evergreen Credit Express Sdn. Bhd.