Terms of Service

Effective Date: 14 August 2026

Last Updated: 14 August 2026

These Terms of Service (“Terms”) govern your access to and use of the Evergreen Credit Express Sdn. Bhd. (“Evergreen”, “we”, “us” or “our”) mobile application, website, online platform and related services (“Platform”).

By registering an account, accessing or using the Platform, submitting a financing application, uploading documents or using any services provided through the Platform, you agree to be bound by these Terms.

If you do not agree with these Terms, please do not use the Platform or submit a financing application through it.

These Terms should be read together with our Privacy Policy / Personal Data Protection Notice, which explains how we collect, use, process, store and disclose your personal data.

1. ABOUT OUR PLATFORM

The Platform is provided by Evergreen to facilitate services relating to personal financing, including where applicable:

Registration of customer accounts;
Submission of financing applications;
Uploading and submission of supporting documents;
Identity and eKYC verification;
Employment and income verification;
Financing eligibility assessment;
Application status tracking;
Financing document management;
Electronic signing of documents;
Payment and repayment-related services;
Submission of payment evidence;
Early settlement requests;
Customer service and communication; and
Other services made available by Evergreen from time to time.

The Platform is intended to facilitate your interaction with Evergreen and does not by itself constitute an approval or guarantee that financing will be granted.

2. ELIGIBILITY TO USE THE PLATFORM

To use the Platform and apply for financing, you must:

Provide accurate and complete information;
Be legally capable of entering into the relevant agreement;
Provide valid identification and supporting documents when required;
Meet Evergreen's applicable eligibility requirements;
Comply with applicable laws and regulations; and
Maintain the security of your account and login credentials.

Evergreen reserves the right to reject, suspend or terminate an application or account where information provided is incomplete, inaccurate, misleading, fraudulent or otherwise does not meet the applicable requirements.

3. ACCOUNT REGISTRATION

You may be required to register an account before using certain functions of the Platform.

You agree to:

Provide accurate and current information;
Keep your account information updated;
Maintain the confidentiality of your login credentials;
Not share your account or login credentials with another person;
Notify Evergreen promptly if you suspect unauthorised access; and
Take reasonable steps to prevent unauthorised use of your account.

You are responsible for activities conducted through your account, subject to applicable law.

Evergreen may request additional verification information where necessary for security, identity verification, fraud prevention or regulatory purposes.

4. FINANCING APPLICATION

Submitting an application through the Platform does not mean that financing has been approved.

Evergreen may assess your application based on information and documents provided by you and information obtained from lawful sources.

The assessment may include:

Identity verification;
Employment verification;
Income verification;
Credit assessment;
Financial assessment;
Affordability assessment;
Verification of existing commitments;
Fraud and security checks;
Document verification; and
Other relevant checks permitted by applicable laws and requirements.

Evergreen may request additional information or documents before making a financing decision.

5. ACCURACY OF INFORMATION

You agree that all information and documents submitted to Evergreen must be:

Accurate;
Complete;
Genuine;
Current; and
Not misleading.

You must not:

Submit false information;
Alter or manipulate documents;
Submit another person's documents without proper authority;
Misrepresent your employment or income;
Provide false bank account information;
Impersonate another person; or
Use the Platform for fraudulent or unlawful purposes.

If Evergreen discovers or reasonably suspects that information or documents have been falsified, manipulated or fraudulently obtained, Evergreen may reject the application, suspend the account and/or take other action permitted by law.

6. IDENTITY VERIFICATION AND eKYC

Evergreen may require you to complete identity verification or eKYC before processing or completing your financing application.

This may include:

NRIC or identification document verification;
Facial verification;
Selfie verification;
Video verification;
Electronic verification;
Security questions;
One-time passwords (“OTP”); or
Other verification procedures.

You agree to cooperate with reasonable verification procedures required by Evergreen.

Failure to complete required verification may result in the application being delayed, rejected or unable to proceed.

7. EMPLOYMENT AND INCOME VERIFICATION

Where required, Evergreen may verify information relating to your employment and income.

This may include verification of:

Employer;
Employment status;
Position;
Length of service;
Salary;
Income;
Payslip information; and
Other employment-related information relevant to your application.

Where applicable and permitted by law, verification may be conducted through your employer, payroll department, authorised verification channels or other lawful sources.

8. CREDIT CHECKS

Where permitted by applicable law, Evergreen may obtain, use and/or disclose relevant information for credit assessment and risk management purposes.

This may include information obtained from:

Credit reporting agencies;
Financial institutions;
Relevant verification providers;
Lawful databases; and
Other permitted sources.

Credit information may be used to assess your financing application, manage credit risk, monitor your financing account, prevent fraud and manage repayment performance.

9. FINANCING APPROVAL

Any financing approval is subject to Evergreen's assessment and applicable terms and conditions.

An indication, quotation, calculation, eligibility result or preliminary assessment shown through the Platform does not necessarily constitute a final financing approval.

Final approval may be subject to:

Verification of submitted information;
Completion of required documents;
Successful identity verification;
Credit assessment;
Internal approval;
Execution of the relevant financing agreement;
Compliance with applicable requirements; and
Other conditions specified by Evergreen.

Evergreen reserves the right to decline an application where permitted by applicable laws and requirements.

10. FINANCING AGREEMENT

If your application is approved, the financing will be governed by the applicable financing agreement and related documents.

The financing agreement will set out the relevant terms, which may include:

Financing amount;
Financing tenure;
Payment amount;
Payment schedule;
Applicable charges or fees;
Repayment obligations;
Early settlement terms;
Default provisions; and
Other applicable terms.

If there is any inconsistency between these Terms and the signed financing agreement, the relevant financing agreement will prevail in relation to the financing transaction.

11. ELECTRONIC DOCUMENTS AND ELECTRONIC SIGNATURE

Where supported by the Platform, Evergreen may provide financing documents electronically.

You may be required to:

Review the documents;
Complete electronic verification;
Electronically sign the documents;
Download or acknowledge receipt of the documents; and
Complete other required electronic procedures.

By using an electronic signature or other electronic acceptance method, you acknowledge that the relevant action may constitute your acceptance or execution of the relevant document, subject to applicable laws.

You are responsible for reviewing all financing documents before signing or accepting them.

12. STAMPING AND DOCUMENTATION

Where applicable, financing documents may be submitted for stamping or other statutory processing.

Any applicable stamp duty, government fee or other charge will be handled in accordance with the relevant requirements and the applicable financing documentation.

Where applicable, Evergreen may provide the relevant stamping confirmation or certificate to the customer.

13. FINANCING DISBURSEMENT

Approved financing will only be disbursed after all required conditions have been satisfied.

These conditions may include:

Completion of verification;
Execution of the financing agreement;
Completion of required documentation;
Completion of stamping or other statutory requirements;
Confirmation of bank account details; and
Satisfaction of other applicable conditions.

Evergreen will not be responsible for delays caused by incorrect information, incorrect bank account details, third-party systems, payment networks, government systems or other circumstances outside Evergreen's reasonable control.

14. REPAYMENT OBLIGATIONS

If financing is approved and disbursed, you are required to make repayments in accordance with your financing agreement.

You are responsible for:

Making payments on time;
Ensuring sufficient funds are available where applicable;
Providing accurate payment information;
Keeping evidence of payment where appropriate; and
Informing Evergreen of any relevant payment issue promptly.

Failure to make payments according to the agreed schedule may result in the consequences specified in the financing agreement and applicable laws.

15. PAYROLL / SALARY DEDUCTION / ANGKASA

Where applicable, repayment may be facilitated through payroll deduction, salary deduction, cooperative arrangements or other authorised repayment mechanisms.

The availability and continuation of any deduction arrangement may depend on the relevant employer, payroll administrator, cooperative, agency or other authorised party.

You remain responsible for your repayment obligations even where a payroll or deduction arrangement is delayed, interrupted or unsuccessful, subject to the terms of your financing agreement and applicable law.

16. PAYMENT INFORMATION AND PROOF OF PAYMENT

Where the Platform provides a function to submit proof of payment, you must ensure that the information provided is accurate and genuine.

Evergreen may verify payment information before updating the relevant financing account.

Submission of payment evidence does not automatically mean that payment has been received or credited.

Payment will be treated as received and credited according to Evergreen's applicable payment records and procedures.

17. EARLY SETTLEMENT

Customers may request early settlement of their financing subject to the terms of the relevant financing agreement and applicable requirements.

Any settlement amount provided by Evergreen may be subject to verification and may change depending on the actual payment date, outstanding amount and applicable charges or adjustments.

Customers should obtain confirmation of the final settlement amount before making an early settlement payment.

18. OVERDUE PAYMENTS AND COLLECTION

If an amount becomes overdue or remains unpaid, Evergreen may contact you regarding the outstanding amount.

Where permitted by applicable law, Evergreen may also engage authorised third-party service providers for account administration, collection or recovery activities.

Collection activities will be conducted in accordance with applicable laws, regulations and relevant requirements.

You agree to cooperate reasonably with Evergreen regarding outstanding payment matters.

19. COMMUNICATION

Evergreen may communicate with you using the contact information provided by you, including:

Telephone;
SMS;
Email;
WhatsApp or other messaging services;
Push notifications;
In-app notifications;
Written correspondence; or
Other communication channels.

Communications may relate to:

Financing applications;
Verification;
Documentation;
Approval;
Disbursement;
Repayments;
Account status;
Outstanding payments;
Important service information;
Security matters; and
Other matters relating to your financing relationship.

You are responsible for ensuring that your contact information is kept current.

20. PRIVACY AND PERSONAL DATA

Evergreen collects and processes personal data in accordance with its Privacy Policy / Personal Data Protection Notice and applicable Malaysian data protection laws, including the Personal Data Protection Act 2010 [Act 709], as amended from time to time.

The Privacy Policy explains:

What personal data Evergreen collects;
Why the data is collected;
How the data is used;
Who the data may be disclosed to;
How the data is protected;
How long it may be retained; and
Your applicable rights in relation to your personal data.

By using the Platform, you acknowledge that you have read the Privacy Policy.

21. PROHIBITED USE

You must not use the Platform to:

Commit or facilitate fraud;
Submit false or misleading information;
Upload fraudulent or manipulated documents;
Impersonate another person;
Gain unauthorised access to another person's account;
Attempt to bypass security controls;
Introduce malware, viruses or harmful code;
Interfere with the operation of the Platform;
Reverse engineer or unlawfully modify the Platform;
Use automated systems to access the Platform without authorisation;
Violate any applicable law or regulation; or
Use the Platform for any unlawful or unauthorised purpose.

Evergreen may take appropriate action where prohibited activities are detected or suspected.

22. PLATFORM AVAILABILITY

Evergreen will use reasonable efforts to maintain the availability and functionality of the Platform.

However, the Platform may occasionally be unavailable due to:

Maintenance;
System upgrades;
Security measures;
Technical problems;
Internet or telecommunications failures;
Third-party service interruptions;
Government or regulatory systems;
Cybersecurity incidents; or
Other circumstances beyond Evergreen's reasonable control.

Evergreen does not guarantee that the Platform will always be available, uninterrupted or error-free.

23. THIRD-PARTY SERVICES

The Platform may use or integrate with third-party services, including:

eKYC providers;
Electronic signature providers;
Payment service providers;
Credit reporting agencies;
Cloud and hosting providers;
IT service providers;
System integration providers; and
Other service providers.

Certain third-party services may be governed by separate terms and privacy policies.

Evergreen will take reasonable steps to work with appropriate service providers for legitimate business and service purposes.

24. INTELLECTUAL PROPERTY

Unless otherwise stated, the Platform and its contents, including:

Software;
Design;
Logos;
Text;
Graphics;
Images;
Interface;
Branding; and
Other materials

are owned by or licensed to Evergreen and are protected by applicable intellectual property laws.

You may use the Platform only for its intended purposes.

You must not copy, reproduce, modify, distribute, sell, publish or commercially exploit any part of the Platform without Evergreen's prior written permission, except where permitted by law.

25. ACCOUNT SUSPENSION OR TERMINATION

Evergreen may suspend, restrict or terminate access to your account or Platform services where reasonably necessary, including where:

You breach these Terms;
You provide false or misleading information;
Fraud or suspicious activity is detected;
Your account is used unlawfully;
You compromise the security of the Platform;
You fail required verification;
Required information is not provided;
The Platform or service is discontinued; or
Evergreen is required to do so by applicable law or regulatory requirements.

Termination or suspension of Platform access does not automatically cancel or release any outstanding obligations under an existing financing agreement.

26. CUSTOMER RESPONSIBILITIES AFTER TERMINATION

If your Platform account is suspended or terminated, you remain responsible for any outstanding obligations under an existing financing agreement.

You should retain copies of relevant financing documents, payment records and other important information.

Where required, Evergreen may continue to retain relevant information in accordance with applicable legal, regulatory and record-retention requirements.

27. DISCLAIMERS

The Platform is provided to facilitate access to Evergreen's services.

Evergreen does not guarantee that:

Every financing application will be approved;
A particular financing amount will be available;
The Platform will always be uninterrupted;
All information displayed through the Platform will be free from technical errors; or
Third-party services will always be available.

Nothing in these Terms excludes or limits any liability or obligation that cannot lawfully be excluded or limited under applicable Malaysian law.

28. LIMITATION OF LIABILITY

To the extent permitted by applicable law, Evergreen will not be responsible for losses arising directly from circumstances beyond its reasonable control, including:

Internet or telecommunications failures;
Third-party service interruptions;
Banking or payment system failures;
Government or regulatory system interruptions;
Incorrect information supplied by you;
Unauthorised use of your account caused by your failure to protect your credentials; or
Events beyond Evergreen's reasonable control.

Nothing in these Terms is intended to exclude or restrict liability where such exclusion or restriction is prohibited by applicable law.

29. FORCE MAJEURE

Evergreen will not be responsible for delay or failure to perform its obligations where such delay or failure results from circumstances beyond its reasonable control, including:

Natural disasters;
Fire;
Flood;
Epidemics or pandemics;
War;
Civil unrest;
Government action;
Telecommunications failure;
Cybersecurity incidents;
Power failure;
System failure; or
Other circumstances beyond reasonable control.

30. CHANGES TO THESE TERMS

Evergreen may update these Terms from time to time to reflect:

Changes to our services;
Changes in technology;
Changes in applicable laws or regulations;
Changes to our operational processes; or
Other legitimate business requirements.

The latest version will be made available through the Platform or other appropriate channels.

Your continued use of the Platform after the effective date of updated Terms may constitute acceptance of the updated Terms, where permitted by applicable law.

31. GOVERNING LAW

These Terms shall be governed by and interpreted in accordance with the laws of Malaysia.

Any dispute arising from the use of the Platform shall be subject to the applicable laws and jurisdiction of Malaysia, subject to any mandatory rights or requirements under applicable law.

32. SEVERABILITY

If any provision of these Terms is found to be invalid, illegal or unenforceable, that provision shall be interpreted or modified to the extent necessary to make it enforceable where legally permitted.

The remaining provisions shall continue to remain in full force and effect.

33. NO WAIVER

Failure or delay by Evergreen in exercising any right or remedy under these Terms does not constitute a waiver of that right or remedy.

34. ENTIRE AGREEMENT

These Terms, together with the Privacy Policy and any applicable financing agreement or other documents expressly incorporated by reference, form the terms governing your use of the Platform.

For an approved financing facility, the applicable financing agreement will govern the specific financing transaction.

35. CONTACT US

If you have questions regarding these Terms or the Platform, please contact:

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

36. CUSTOMER ACKNOWLEDGEMENT

By registering for an account or using the Platform, you confirm that:

You have read and understood these Terms of Service.
You agree to comply with these Terms.
You have read and understood the Privacy Policy / Personal Data Protection Notice.
You confirm that the information and documents submitted by you are accurate and genuine.
You understand that submitting a financing application does not guarantee financing approval.
You understand that any approved financing is subject to the applicable financing agreement and related terms.

Evergreen Credit Express Sdn. Bhd.

Effective Date: 14 August 2026

Last Updated: 14 August 2026

Terms of Service

Effective Date: 14 August 2026

Last Updated: 14 August 2026

If you do not agree with these Terms, please do not use the Platform or submit a financing application through it.

These Terms should be read together with our Privacy Policy / Personal Data Protection Notice, which explains how we collect, use, process, store and disclose your personal data.

1. ABOUT OUR PLATFORM

The Platform is provided by Evergreen to facilitate services relating to personal financing, including where applicable:

Registration of customer accounts;
Submission of financing applications;
Uploading and submission of supporting documents;
Identity and eKYC verification;
Employment and income verification;
Financing eligibility assessment;
Application status tracking;
Financing document management;
Electronic signing of documents;
Payment and repayment-related services;
Submission of payment evidence;
Early settlement requests;
Customer service and communication; and
Other services made available by Evergreen from time to time.

The Platform is intended to facilitate your interaction with Evergreen and does not by itself constitute an approval or guarantee that financing will be granted.

2. ELIGIBILITY TO USE THE PLATFORM

To use the Platform and apply for financing, you must:

Provide accurate and complete information;
Be legally capable of entering into the relevant agreement;
Provide valid identification and supporting documents when required;
Meet Evergreen's applicable eligibility requirements;
Comply with applicable laws and regulations; and
Maintain the security of your account and login credentials.

3. ACCOUNT REGISTRATION

You may be required to register an account before using certain functions of the Platform.

You agree to:

Provide accurate and current information;
Keep your account information updated;
Maintain the confidentiality of your login credentials;
Not share your account or login credentials with another person;
Notify Evergreen promptly if you suspect unauthorised access; and
Take reasonable steps to prevent unauthorised use of your account.

You are responsible for activities conducted through your account, subject to applicable law.

Evergreen may request additional verification information where necessary for security, identity verification, fraud prevention or regulatory purposes.

4. FINANCING APPLICATION

Submitting an application through the Platform does not mean that financing has been approved.

Evergreen may assess your application based on information and documents provided by you and information obtained from lawful sources.

The assessment may include:

Identity verification;
Employment verification;
Income verification;
Credit assessment;
Financial assessment;
Affordability assessment;
Verification of existing commitments;
Fraud and security checks;
Document verification; and
Other relevant checks permitted by applicable laws and requirements.

Evergreen may request additional information or documents before making a financing decision.

5. ACCURACY OF INFORMATION

You agree that all information and documents submitted to Evergreen must be:

Accurate;
Complete;
Genuine;
Current; and
Not misleading.

You must not:

Submit false information;
Alter or manipulate documents;
Submit another person's documents without proper authority;
Misrepresent your employment or income;
Provide false bank account information;
Impersonate another person; or
Use the Platform for fraudulent or unlawful purposes.

6. IDENTITY VERIFICATION AND eKYC

Evergreen may require you to complete identity verification or eKYC before processing or completing your financing application.

This may include:

NRIC or identification document verification;
Facial verification;
Selfie verification;
Video verification;
Electronic verification;
Security questions;
One-time passwords (“OTP”); or
Other verification procedures.

You agree to cooperate with reasonable verification procedures required by Evergreen.

Failure to complete required verification may result in the application being delayed, rejected or unable to proceed.

7. EMPLOYMENT AND INCOME VERIFICATION

Where required, Evergreen may verify information relating to your employment and income.

This may include verification of:

Employer;
Employment status;
Position;
Length of service;
Salary;
Income;
Payslip information; and
Other employment-related information relevant to your application.

Where applicable and permitted by law, verification may be conducted through your employer, payroll department, authorised verification channels or other lawful sources.

8. CREDIT CHECKS

Where permitted by applicable law, Evergreen may obtain, use and/or disclose relevant information for credit assessment and risk management purposes.

This may include information obtained from:

Credit reporting agencies;
Financial institutions;
Relevant verification providers;
Lawful databases; and
Other permitted sources.

Credit information may be used to assess your financing application, manage credit risk, monitor your financing account, prevent fraud and manage repayment performance.

9. FINANCING APPROVAL

Any financing approval is subject to Evergreen's assessment and applicable terms and conditions.

An indication, quotation, calculation, eligibility result or preliminary assessment shown through the Platform does not necessarily constitute a final financing approval.

Final approval may be subject to:

Verification of submitted information;
Completion of required documents;
Successful identity verification;
Credit assessment;
Internal approval;
Execution of the relevant financing agreement;
Compliance with applicable requirements; and
Other conditions specified by Evergreen.

Evergreen reserves the right to decline an application where permitted by applicable laws and requirements.

10. FINANCING AGREEMENT

If your application is approved, the financing will be governed by the applicable financing agreement and related documents.

The financing agreement will set out the relevant terms, which may include:

Financing amount;
Financing tenure;
Payment amount;
Payment schedule;
Applicable charges or fees;
Repayment obligations;
Early settlement terms;
Default provisions; and
Other applicable terms.

If there is any inconsistency between these Terms and the signed financing agreement, the relevant financing agreement will prevail in relation to the financing transaction.

11. ELECTRONIC DOCUMENTS AND ELECTRONIC SIGNATURE

Where supported by the Platform, Evergreen may provide financing documents electronically.

You may be required to:

Review the documents;
Complete electronic verification;
Electronically sign the documents;
Download or acknowledge receipt of the documents; and
Complete other required electronic procedures.

You are responsible for reviewing all financing documents before signing or accepting them.

12. STAMPING AND DOCUMENTATION

Where applicable, financing documents may be submitted for stamping or other statutory processing.

Any applicable stamp duty, government fee or other charge will be handled in accordance with the relevant requirements and the applicable financing documentation.

Where applicable, Evergreen may provide the relevant stamping confirmation or certificate to the customer.

13. FINANCING DISBURSEMENT

Approved financing will only be disbursed after all required conditions have been satisfied.

These conditions may include:

Completion of verification;
Execution of the financing agreement;
Completion of required documentation;
Completion of stamping or other statutory requirements;
Confirmation of bank account details; and
Satisfaction of other applicable conditions.

14. REPAYMENT OBLIGATIONS

If financing is approved and disbursed, you are required to make repayments in accordance with your financing agreement.

You are responsible for:

Making payments on time;
Ensuring sufficient funds are available where applicable;
Providing accurate payment information;
Keeping evidence of payment where appropriate; and
Informing Evergreen of any relevant payment issue promptly.

Failure to make payments according to the agreed schedule may result in the consequences specified in the financing agreement and applicable laws.

15. PAYROLL / SALARY DEDUCTION / ANGKASA

Where applicable, repayment may be facilitated through payroll deduction, salary deduction, cooperative arrangements or other authorised repayment mechanisms.

The availability and continuation of any deduction arrangement may depend on the relevant employer, payroll administrator, cooperative, agency or other authorised party.

16. PAYMENT INFORMATION AND PROOF OF PAYMENT

Where the Platform provides a function to submit proof of payment, you must ensure that the information provided is accurate and genuine.

Evergreen may verify payment information before updating the relevant financing account.

Submission of payment evidence does not automatically mean that payment has been received or credited.

Payment will be treated as received and credited according to Evergreen's applicable payment records and procedures.

17. EARLY SETTLEMENT

Customers may request early settlement of their financing subject to the terms of the relevant financing agreement and applicable requirements.

Any settlement amount provided by Evergreen may be subject to verification and may change depending on the actual payment date, outstanding amount and applicable charges or adjustments.

Customers should obtain confirmation of the final settlement amount before making an early settlement payment.

18. OVERDUE PAYMENTS AND COLLECTION

If an amount becomes overdue or remains unpaid, Evergreen may contact you regarding the outstanding amount.

Where permitted by applicable law, Evergreen may also engage authorised third-party service providers for account administration, collection or recovery activities.

Collection activities will be conducted in accordance with applicable laws, regulations and relevant requirements.

You agree to cooperate reasonably with Evergreen regarding outstanding payment matters.

19. COMMUNICATION

Evergreen may communicate with you using the contact information provided by you, including:

Telephone;
SMS;
Email;
WhatsApp or other messaging services;
Push notifications;
In-app notifications;
Written correspondence; or
Other communication channels.

Communications may relate to:

Financing applications;
Verification;
Documentation;
Approval;
Disbursement;
Repayments;
Account status;
Outstanding payments;
Important service information;
Security matters; and
Other matters relating to your financing relationship.

You are responsible for ensuring that your contact information is kept current.

20. PRIVACY AND PERSONAL DATA

The Privacy Policy explains:

What personal data Evergreen collects;
Why the data is collected;
How the data is used;
Who the data may be disclosed to;
How the data is protected;
How long it may be retained; and
Your applicable rights in relation to your personal data.

By using the Platform, you acknowledge that you have read the Privacy Policy.

21. PROHIBITED USE

You must not use the Platform to:

Commit or facilitate fraud;
Submit false or misleading information;
Upload fraudulent or manipulated documents;
Impersonate another person;
Gain unauthorised access to another person's account;
Attempt to bypass security controls;
Introduce malware, viruses or harmful code;
Interfere with the operation of the Platform;
Reverse engineer or unlawfully modify the Platform;
Use automated systems to access the Platform without authorisation;
Violate any applicable law or regulation; or
Use the Platform for any unlawful or unauthorised purpose.

Evergreen may take appropriate action where prohibited activities are detected or suspected.

22. PLATFORM AVAILABILITY

Evergreen will use reasonable efforts to maintain the availability and functionality of the Platform.

However, the Platform may occasionally be unavailable due to:

Maintenance;
System upgrades;
Security measures;
Technical problems;
Internet or telecommunications failures;
Third-party service interruptions;
Government or regulatory systems;
Cybersecurity incidents; or
Other circumstances beyond Evergreen's reasonable control.

Evergreen does not guarantee that the Platform will always be available, uninterrupted or error-free.

23. THIRD-PARTY SERVICES

The Platform may use or integrate with third-party services, including:

eKYC providers;
Electronic signature providers;
Payment service providers;
Credit reporting agencies;
Cloud and hosting providers;
IT service providers;
System integration providers; and
Other service providers.

Certain third-party services may be governed by separate terms and privacy policies.

Evergreen will take reasonable steps to work with appropriate service providers for legitimate business and service purposes.

24. INTELLECTUAL PROPERTY

Unless otherwise stated, the Platform and its contents, including:

Software;
Design;
Logos;
Text;
Graphics;
Images;
Interface;
Branding; and
Other materials

are owned by or licensed to Evergreen and are protected by applicable intellectual property laws.

You may use the Platform only for its intended purposes.

You must not copy, reproduce, modify, distribute, sell, publish or commercially exploit any part of the Platform without Evergreen's prior written permission, except where permitted by law.

25. ACCOUNT SUSPENSION OR TERMINATION

Evergreen may suspend, restrict or terminate access to your account or Platform services where reasonably necessary, including where:

You breach these Terms;
You provide false or misleading information;
Fraud or suspicious activity is detected;
Your account is used unlawfully;
You compromise the security of the Platform;
You fail required verification;
Required information is not provided;
The Platform or service is discontinued; or
Evergreen is required to do so by applicable law or regulatory requirements.

Termination or suspension of Platform access does not automatically cancel or release any outstanding obligations under an existing financing agreement.

26. CUSTOMER RESPONSIBILITIES AFTER TERMINATION

If your Platform account is suspended or terminated, you remain responsible for any outstanding obligations under an existing financing agreement.

You should retain copies of relevant financing documents, payment records and other important information.

Where required, Evergreen may continue to retain relevant information in accordance with applicable legal, regulatory and record-retention requirements.

27. DISCLAIMERS

The Platform is provided to facilitate access to Evergreen's services.

Evergreen does not guarantee that:

Every financing application will be approved;
A particular financing amount will be available;
The Platform will always be uninterrupted;
All information displayed through the Platform will be free from technical errors; or
Third-party services will always be available.

Nothing in these Terms excludes or limits any liability or obligation that cannot lawfully be excluded or limited under applicable Malaysian law.

28. LIMITATION OF LIABILITY

To the extent permitted by applicable law, Evergreen will not be responsible for losses arising directly from circumstances beyond its reasonable control, including:

Internet or telecommunications failures;
Third-party service interruptions;
Banking or payment system failures;
Government or regulatory system interruptions;
Incorrect information supplied by you;
Unauthorised use of your account caused by your failure to protect your credentials; or
Events beyond Evergreen's reasonable control.

Nothing in these Terms is intended to exclude or restrict liability where such exclusion or restriction is prohibited by applicable law.

29. FORCE MAJEURE

Evergreen will not be responsible for delay or failure to perform its obligations where such delay or failure results from circumstances beyond its reasonable control, including:

Natural disasters;
Fire;
Flood;
Epidemics or pandemics;
War;
Civil unrest;
Government action;
Telecommunications failure;
Cybersecurity incidents;
Power failure;
System failure; or
Other circumstances beyond reasonable control.

30. CHANGES TO THESE TERMS

Evergreen may update these Terms from time to time to reflect:

Changes to our services;
Changes in technology;
Changes in applicable laws or regulations;
Changes to our operational processes; or
Other legitimate business requirements.

The latest version will be made available through the Platform or other appropriate channels.

Your continued use of the Platform after the effective date of updated Terms may constitute acceptance of the updated Terms, where permitted by applicable law.

31. GOVERNING LAW

These Terms shall be governed by and interpreted in accordance with the laws of Malaysia.

Any dispute arising from the use of the Platform shall be subject to the applicable laws and jurisdiction of Malaysia, subject to any mandatory rights or requirements under applicable law.

32. SEVERABILITY

The remaining provisions shall continue to remain in full force and effect.

33. NO WAIVER

Failure or delay by Evergreen in exercising any right or remedy under these Terms does not constitute a waiver of that right or remedy.

34. ENTIRE AGREEMENT

These Terms, together with the Privacy Policy and any applicable financing agreement or other documents expressly incorporated by reference, form the terms governing your use of the Platform.

For an approved financing facility, the applicable financing agreement will govern the specific financing transaction.

35. CONTACT US

If you have questions regarding these Terms or the Platform, please contact:

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

36. CUSTOMER ACKNOWLEDGEMENT

By registering for an account or using the Platform, you confirm that:

You have read and understood these Terms of Service.
You agree to comply with these Terms.
You have read and understood the Privacy Policy / Personal Data Protection Notice.
You confirm that the information and documents submitted by you are accurate and genuine.
You understand that submitting a financing application does not guarantee financing approval.
You understand that any approved financing is subject to the applicable financing agreement and related terms.

Evergreen Credit Express Sdn. Bhd.

Effective Date: 14 August 2026

Last Updated: 14 August 2026