Privacy Policy

MortgageLoan.com.my (“this website”, “we”, “us”, “our”) is owned and operated by Alphako Sdn Bhd (Company Registration No. 202001017829), a digital marketing company. This Privacy Policy explains how we collect, use, disclose and protect your personal information when you visit this website or submit an enquiry, in accordance with the Personal Data Protection Act 2010 (PDPA) of Malaysia. By using this website or submitting any form on it, you consent to the practices described in this Privacy Policy.

1. Who We Are

Alphako Sdn Bhd operates this website on behalf of licensed loan agents / bankers who engage us to advertise their services, drive traffic to this website, and capture enquiries (leads) on their behalf. We are a digital marketing company — not a bank, financial institution, insurance company or licensed moneylender.

2. Information We Collect

When you submit an enquiry, calculator request, or contact form on this website, we may collect:

• Full name
• Phone number
• Email address
• Property address / location (state)
• Loan type of interest, estimated loan amount, and any message or details you provide
• Technical data such as IP address, browser type, device information, and pages visited, collected automatically through cookies and analytics tools

We do not knowingly collect sensitive personal data (such as banking credentials, NRIC numbers, or financial account details) through this website. Please do not include such information in any form or message field.

3. How We Use Your Information

We use the information you submit to:

• Respond to your enquiry and understand your loan, refinancing, or debt consolidation needs
• Pass your enquiry (“lead”) to the relevant licensed loan agent / banker who engaged us, so they can contact you directly regarding your enquiry
• Improve this website and measure the effectiveness of our advertising campaigns (e.g. via Google Ads, Facebook/Meta Ads, and analytics tools)
• Comply with legal obligations, where applicable

 

4. How We Share Your Information

This is important: When you submit an enquiry through this website, your information is passed directly to the licensed loan agent / banker who engaged Alphako Sdn Bhd to market this website. Once your lead has been passed on, Alphako Sdn Bhd has no further involvement in your loan application, consultation, or any advice given — that relationship is between you and the loan agent / banker. We do not sell your personal data to unrelated third parties. We may also share limited technical/usage data with service providers who help us operate this website and run our advertising campaigns (e.g. hosting providers, Google, Meta), strictly for the purposes described in this policy.

5. Cookies & Tracking

Technologies This website may use cookies, pixels, and similar tracking technologies (such as Google Analytics, Google Ads, and Facebook/Meta Pixel) to understand how visitors use the site and to measure advertising performance. You can disable cookies through your browser settings, though some features of this website may not function properly as a result.

6. Data Retention

We retain your personal data only for as long as necessary to fulfil the purposes described in this policy — typically until your enquiry has been passed to and acknowledged by the relevant loan agent / banker, plus a reasonable period afterward for record-keeping purposes, unless a longer retention period is required by law.

7. Data Security

We take reasonable technical and organisational measures to protect your personal data against unauthorised access, alteration, disclosure, or destruction. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

8. Your Rights Under the PDPA

Under the Personal Data Protection Act 2010, you have the right to:

• Request access to the personal data we hold about you
• Request correction of inaccurate or incomplete personal data
• Withdraw your consent to our processing of your personal data
• Request that we limit or stop processing your personal data, subject to legal and contractual obligations

To exercise any of these rights, please contact us using the details below. Please note that if your data has already been passed to a loan agent / banker, you may need to contact them directly regarding data they now hold independently.

9. Third-Party Links

This website may contain links to third-party websites (such as bank websites or social media pages). We are not responsible for the privacy practices or content of those external websites. We encourage you to review their respective privacy policies.

10. Children’s Privacy

This website is not intended for individuals under the age of 18. We do not knowingly collect personal data from children.

11. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with a revised “Last Updated” date. Continued use of this website after changes are posted constitutes your acceptance of the updated policy.

12. Contact Us

If you have any questions about this Privacy Policy or how your personal data is handled, please contact us:

Alphako Sdn Bhd
Company Registration No. 202001017829
Email: info@mortgageloan.com.my
Phone: +6013-658 5178