Privacy Policy

Emicro asks for and uses your personal information and is committed to keeping this information secure and protected. This Privacy Policy explains why we require personal information and how we collect, use, disclose and secure your personal information. This Privacy Policy applies to personal information we collect from you and from third parties both, online and offline but does not apply to any personal information collected by third parties from you.

By accessing or using the Website and Mobile Application, you signify that you have read, understood and agree to be bound by this Privacy Policy. We reserve the right to update or modify this Privacy Policy at any time without prior notice. Therefore, we encourage you to review this Policy each time you access our Services on our Website and Mobile Application. We may also choose to notify you of material changes to the Privacy Policy by email or by means of a notice on our home page.

The following terms and definitions have been set out in this privacy policy:


Collection of user Information:

To create an account on Emicro, you must provide us with the basic details and information required as part of our Customer Identification process and you agree to this Privacy Policy, which governs how we treat your information. During the use of our Services, Website and Mobile Application and App, we may collect information about you from you and from third parties. While some information must be mandatorily provided, others are optional and certain portions of the information will remain private and some will be shared with associated third parties. All information you provide to us is voluntary. This information is including but not limited to the following:

By registering for a Emicro account or beginning an application on the Emicro website or mobile application for any product or service, you are consenting to be contacted by us by written notices, email messages, text messages, WhatsApp, or telephone, and, in connection with any such telephone calls, you consent to the use pre-recorded/artificial voice messages and/or automatic dialing devices, at any telephone number associated with your Emicro account, including mobile telephone numbers or at any email address or mailing address we have for you in our records or from other public and nonpublic databases we may lawfully access. You agree that Emicro may contact you using the information you provided with information and offers of services available through Emicro website and mobile application.

The information we collect about you will depend on the products and services we offer, on an ongoing basis. If you do not allow us to collect all the information we request, we may not be able to deliver all these services effectively.

Contact List – To check if you are eligible for a reward with our referral program. We upload your address book to help you find out which of your contacts are using Emicro. Your uploaded data is only used for matching contacts and won’t be saved for other purposes.

Location – The app is intended solely for use by Users who access the Mobile Application in Malaysia. We make no representation that the Services (or any goods or services) are available or otherwise suitable for use outside of Malaysia.

Photo – To make your application process easier and to upload your photo for verification, and as part of our Customer Identification/EKYC process.

You understand that, by creating an account or by registering through Third party sites, we and others will be able to identify you by your Emicro profile. However, we will not be liable under any circumstance for the generation of your profile or the information you provide therein. Emicro will also not be liable for any information collected in the form of SMS, contact, media or any other sources that the users might upload, the data collection process may extract, the use and misuse thereof.

All the information that you shall provide us is voluntary, including sensitive personal information. You understand that Emicro may use certain information of yours, which has been designated as ‘sensitive personal data or information’ under the IT Rules for the purpose of providing you with the Services and for sharing the information only with affiliates who are subject to this Privacy Policy, as will be explained further below.

Third-party sharing of your information

We will take utmost care to ensure that your personal information is not shared with the public and that your transactions on the Website and Mobile Application are confidential. If we use any third parties for any of these transactions, we will also make sure that confidentiality is maintained with these authorized third parties. We only share your personal information with affiliated third parties as permitted or required by law. When we share your personal information with vendors and service providers who perform functions on our behalf, we require that they keep your information confidential and secure and that they use it only as is reasonably necessary to carry out their work or comply with applicable law. We may share your personal information with affiliates and as part of joint marketing campaigns with other financial companies. In addition, personal information may be disclosed or transferred to our affiliates and as part of, or during negotiations of, a merger, consolidation, sale of company assets or equity, financing, acquisition, strategic alliance or in any other situation where personal information may be transferred as one of the business assets of Emicro.

Protecting your information

We maintain administrative, technical and physical safeguards designed to protect the security, confidentiality and integrity of your personal information. We store all the customer data on AWS cloud servers to reduce the risks of loss, misuse, unauthorized access, disclosure and alteration. Some of the safeguards we use are firewalls, SSL data encryption and access authorization controls. In addition, your personal information resides on servers or in areas of facilities that only selected Emicro personnel and contractors have access to.

However, you understand and accept that there’s no guarantee that data transmission over the Internet will be completely secure and that any information that you transmit to us is at your own risk. We assume no liability for any disclosure of information due to errors in transmission, unauthorized third party access to our Website and Mobile Application and databases or other acts of third parties, or acts or omissions beyond our reasonable control and you shall not be entitled to hold Emicro responsible for any breach of security.



Your choices regarding your personal information

Personal information that is not collected on the Website and Mobile Application or in connection with the Service is not generally subject to this Privacy Policy. The Website and Mobile Application may contain links to other websites which may collect personal information. For example, Emicro may have relationships with various service providers whose services you might find useful and are available to you from the Website and Mobile Application, from websites that are linked to the Website and Mobile Application, or in connection with the Service. Those providers’ may require you to provide personal information to use their services. Unless expressly provided to the contrary, the privacy policy applicable to that website, and not this Privacy Policy will govern the collection, use, disclosure and security of your personal information.

You can access all your personal and personally identifiable information that we maintain by logging in to your account and going to “My Profile”. This section of the site is password-protected to better safeguard your information. To protect the confidentiality of such personal information, you should not divulge your password to anyone. You are responsible for all uses of the Website and Mobile Application by any person using your customer ID and password. As a registered user, you can update physical address, phone numbers, education and employment information at any time on the website.

Tracking, use of cookies, web beacons and similar tracking devices

Cookies are small data files that a website stores on your computer. Emicro uses cookies for security and to personalize your web browsing experience. We may use cookies for some situations, such as

It is possible for you to configure your browser so that it does not receive cookies. However, this means you will be unable to use secure services that require cookies in order to participate. Some of those services include (but are not limited to) our online application and some member features.

Information from advertisements on other websites

We place and track advertisements on third-party websites. Like many advertisers, we advertise our products and services, and we contract with third parties to place advertisements, on websites not affiliated with us where we think the advertisements are likely to be most relevant. These advertisements may contain cookies or other mechanisms that allow tracking of your response to our ads. We and our contracted third parties track and report performance of our advertising and marketing campaigns by using cookies, web beacons, and other similar technology, which may be used to collect and store information about user visits, page visits and duration, and the specific ad or link that the user clicked on to visit the site. No personally identifiable information is stored during this process.

Contacting Emicro

If you have questions regarding our Privacy Policy or if you believe that Emicro has not complied with this Privacy Policy with respect to your personal information, please contact us at . If you are reporting noncompliance with this Privacy Policy, in your e-mail or letter, please describe in as much detail as possible (but without disclosing any sensitive information about you or third parties) the ways in which you believe that the Privacy Policy has not been complied with.


E-Consent for Credit Reporting Agency

Pursuant to the Personal Data Protection Act 2010 (PDPA), Credit Reporting Agency Act 2010 (CRA), Central Bank of Malaysia Act, I hereby grant consent;

  1. To  Emicro Services Sdn. Bhd. and its authorized officers:

a.       To verify any credit information and conduct credit/trade check, CCRIS and DCHEQUES on its directors/ its shareholder/ owners/ partners/ guarantors/ individuals/ parties providing securities (“securities parties”) with Credit Reporting Agency.

  1. To Credit Reporting Agency

b.       To disclose any information and/or data relating to its directors/ its shareholder/ owners/ partners/ guarantors/ individuals/ party providing securities (“securities parties”) and its account(s) and/or any information or data as your Company may deem necessary to  Emicro Services Sdn. Bhd.. For the above-mentioned purpose.

I hereby;

  1. Acknowledge that this consent is irrevocable and shall continue notwithstanding any changes in law and so long as there is existing business relationship/credit facilities.
  2. Acknowledge that the database of Credit Reporting Agency may contain information on me/ our company/ directors/ shareholders/ owners/ partners/ guarantors/ individuals/ parties providing securities (“securities parties”) and Credit Reporting Agency may use this information in any manner deemed necessary under the law.
  3. Waive all my/our rights and shall indemnify Credit Reporting Agency from any legal actions arising pursuant to the abovementioned.