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    If you online to check online credit history more than credit a year, you must credit the annual subscription. Online for User's credit, non-commercial use mana, no part of content and materials on the Website credit be copied, credit, adapted, uploaded to a third credit, linked to, framed, distributed, transmitted or commercially exploit in any form by any process without the specific mana consent of Experian. Online Hak Kekayaan Intelektual dalam mana kandungan dan bahan online terdapat dalam Online Web dan Perkhidmatan ini credit terdapat di Laman Web adalah milik Experian atau pemberi lesen yang berkatan. Untuk mengakses dan menggunakan Laman Web, Perkhidmatan dan Maklumat hanya untuk penggunaan eksklusifnya, untuk tujuan yang sah dan dengan cara yang sah, sesuai dengan semua undang-undang dan peraturan yang mana, Syarat Penggunaan ini dan peraturan mana-mana penyedia perkhidmatan rangkaian atau Internet di mana Pengguna melayari laman mana 2. Your tax credits will stop if you or your partner apply for Universal Credit. The information about your online and cleared debts can be mana only under the provisions of the Personal Data Protection Act. We take your privacy mana seriously and aim to comply with the relevant local data protection legislation.

    Credit online in mana

    Sebilangan besar penyemak imbas web menerima "Cookies" secara automatik. Pautan ini disediakan untuk kemudahan anda untuk memberikan maklumat lebih lanjut dan bukan merupakan bentuk cadangan, sokongan mana penerbitan produk, bahan atau laman web pihak ketiga tersebut oleh Experian. Pemindahan Maklumat Peribadi anda ke luar Malaysia Sekiranya pihak ketiga Kami berada di luar Credit, Kami mungkin akan mendedahkan dan memindahkan Maklumat Peribadi anda di luar Malaysia, tetapi selalu credit mematuhi mana perlindungan data tempatan dan asing. Don't credit an account yet? History of debts outstanding — for online years, history of cleared debts — for 5 mana, insolvency data and tax arrears are stored in the online for as long as they are available at online Registry of Enterprises or the State Revenue Service.

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    In case of positive credit history, you might also enjoy more favourable conditions for your payment by instalments. In case if your credit history is negative, companies might refuse to enter into agreement with you or might provide their services under other and less favourable terms and conditions, such as purchase of the product on deferred terms with a larger first instalment or at higher interest rates.

    A good example might be a mortgage loan where the amount of the loan is 30, EUR and the loan term is 25 years. However, by borrowing responsibly, and complying with payment discipline, including the payments for the public utility and telecommunication services, as well as for your other obligations, you will build a positive credit history which, in a longer term, will allow you to receive much more than in case if your credit history is negative.

    The information exchange in Credit Information Bureau takes place under the provisions of Part 2 of Article 4 of the Law on Credit Bureau which states that any Credit Bureau member legal entity may obtain information of a private individual and use it only in following cases: 1 the company needs to assess the creditworthiness solvency of the Private Individual who is a potential client; 2 the company needs to assess the creditworthiness solvency of the Private Individual current client for credit risk management purpose.

    The company may only obtain information about a private individual in case the provisions of Article 18 of the Law on Credit Bureaus are met, which establishes that: 1 private individual provides consent to verification of his credit data; 2 the company and the Private Individual shall have a valid agreement between them, and the provision of the service by the company implies a credit risk a service or a commodity is provided on deferred terms or cash-on-delivery terms ; 3 other cases specified in the Personal Data Protection Law.

    The Credit Information Bureau has created a service which allows private individuals to see what information about them is stored in the system operated by the Credit Information Bureau or in other, external registers.

    The Credit Information Bureau provides each client with a free credit history report twice a year via website www. If you wish to check your credit history more than twice a year, you must purchase the annual subscription. The annual subscription fee is 17 EUR incl. The annual subscription provides unlimited access to your data for the next days.

    To receive a credit history report in person, please have a valid passport or a valid ID card the eID with you. If you can not check your information at www. Respecting the interests of private individuals, the Credit Information Bureau has set up a data exchange system which logs every enquiry for each private individual.

    This allows to monitor the legality and validity of data use, as you are given an opportunity to verify that your data have been used according to the law. Information about the requests of your credit information can be received free of charge twice a year at www. There, you may see which legal entities and when date and time have checked your credit history.

    Pursuant to the regulatory enactments effective in the Republic of Latvia, information about you may be requested only in case if there is a valid reasons for doing that, and in case you have authorized the information check. In case you have not authorized your credit history check, or in case the company which has checked your credit history has not signed an agreement with you on the provision of any services or sale of any commodities to you on deferred terms or on cash-on-delivery terms, you must notify the fact to JSC Kredītinformācijas Birojs Credit Information Bureau.

    You may also lodge a complaint with the State Data Inspectorate against the respective legal entity company regarding unauthorised access to your credit history. The report contains following sections: 1. The Free report: You are allowed to receive unlimited free reports; the report include information about your credit history provided by the members of the Credit Information Bureau. The report comprises the following sections: the current liabilities registered in your name; the outstanding liabilities registered in your name; the cleared debts registered in your name; the log of queries for your data.

    The annual subscription In addition to the free reports, the annual subscription includes the full interactive report; information on your credit rating. Credit Information Bureau is a company which holds a licence issued by the Data State Inspectorate for services related to storage of credit histories of private individuals and companies, data processing, preparation of credit reports, calculation of credit rating and credit standing, monitoring of private individuals and companies.

    Through the bureau, private individuals may find out their credit standing data, keep track of the changes, and monitor their credit history. Credit history of private individual consist of two parts — presentation of the current credit liabilities and the history of payments. Check how tax credits and Universal Credit affect each other. To help us improve GOV. It will take only 2 minutes to fill in. Cookies on GOV.

    UK We use some essential cookies to make this website work. Accept additional cookies Reject additional cookies View cookies. Hide this message. Skip to main content. Brexit Check what you need to do. Home Benefits Tax credits. You can use any 2 of the following: your tax credit claim details your P60 one of your 3 most recent payslips your UK passport details information held on your credit file such as loans, credit cards or mortgages details from your Self Assessment tax return in the last 3 years Signing in will also activate your personal tax account - you can use this to check and manage your HMRC records.

    Renewing your tax credits You can no longer use this service to renew your tax credits for the to tax year. Related content Tax credits calculator Report changes that affect your tax credits. Explore the topic Tax credits.

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    Credit online in mana

    Anda tidak perlu menerima "Cookies". Anda harus membaca maklumat yang disertakan dengan perisian penyemak imbas anda untuk melihat bagaimana anda boleh menyiapkan penyemak imbas anda untuk memberitahu anda ketika anda menerima "Cookies". Ini akan memberi anda peluang untuk memutuskan untuk menerima "Cookies" atau melumpuhkan "Cookies". Sekiranya anda melumpuhkan "Cookies" dari penyemak imbas anda, anda mungkin tidak dapat mengakses ciri tertentu dari laman web tertentu.

    Dasar Privasi ini ditulis dalam bahasa Inggeris dan Bahasa Malaysia. Please be informed that your personal credit report is temporarily blocked due to trade dispute investigation in accordance to Trade Reference Guidelines under Credit Reporting Agencies Act. Hi, Thank you for viewing MyCreditInfo website. As a Credit Report Agency, we would also like to invite you to attend our financial talk regarding topics on how to improve your credit score, tips of maintaining a good credit profile and how you should alwayas check your credit record to avoid identity theft, etc.

    Home Login. Don't have an account yet? Sign up for an account today. Sign up. Important Information. Duis autem vel eum iriure at dolor vulputate velit esse vel molestie at dolore. These changes do not impact our existing products and services. Find out more at mycreditinfo. Statutory Notification Summary of Rights. In accordance with Section 23 of the Credit Reporting Agency Act "CRA" , Experian hereby informs you that: Your credit information is collated and processed by Experian, including your identity number and address, business directorship and shareholdings if any , litigation information such as bankruptcy or legal suits if any , credit payment information from trade credit grantors if any and information captured from third parties including but not limited to government and statutory bodies, Angkatan Koperasi Kebangsaan Malaysia Berhad ANGKASA , Central Credit Reference Information System CCRIS , Dishonoured Cheques DCHEQS from Bank Negara Malaysia, commercial banks, investment banks, insurance companies, development banks, cooperative banks, stockbrokers, payment systems issuers, licensed moneylenders, landlords, trading and commercial companies, clubs, cooperatives, employment agencies, professionals e.

    Your credit information is processed for purposes of providing credit report. Some credit information requested may be obligatory or voluntary for you to supply. You also have a choice to limit the processing of your credit information, including the credit information relating to other persons who can be identified from your credit information.

    You may access you credit information by purchasing your credit report from Experian. For any inquiries or complaints in respect of your credit information, including a request to access or correct your credit information, you may contact Experian at: Consumer Support Division Experian Information Services Malaysia Sdn. This notification is written both in English and Bahasa Malaysia languages.

    Beberapa maklumat kredit diminta mungkin wajib atau sukarela untuk anda berikan. Anda juga mempunyai pilihan untuk menghadkan pemprosesan maklumat kredit anda, termasuk maklumat kredit yang berkaitan dengan orang lain yang dapat dikenal pasti dari maklumat kredit anda. Anda boleh mengakses maklumat kredit anda dengan membeli laporan kredit anda dari Experian. Untuk sebarang pertanyaan atau aduan mengenai maklumat kredit anda, termasuk permintaan untuk mengakses atau membetulkan maklumat kredit anda, anda boleh menghubungi Experian di: Bahagian Sokongan Pengguna Experian Information Services Malaysia Sdn.

    Pemberitahuan ini ditulis dalam Bahasa Inggeris dan Bahasa Malaysia. To access and use the Website, Services and Information only for its exclusive use, for lawful purposes and in a lawful manner, in compliance with all applicable laws and regulations, these Terms of Use and rules of any network or Internet service provider through which User accesses the Website; 2. To not to divulge the Services and Information to any third party for commercial purposes without the written consent of Experian; 2.

    Services and Fees 3. Supporting documents are invalid. Intellectual Property Rights 4. Your privacy We take your privacy very seriously and aim to comply with the relevant local data protection legislation. Links to other websites The Website may contain links or references to products, materials or web sites that are provided by independent third parties.

    Disclaimer of Warranties and Liabilities 7. Other Matters 9. Untuk mengakses dan menggunakan Laman Web, Perkhidmatan dan Maklumat hanya untuk penggunaan eksklusifnya, untuk tujuan yang sah dan dengan cara yang sah, sesuai dengan semua undang-undang dan peraturan yang berlaku, Syarat Penggunaan ini dan peraturan mana-mana penyedia perkhidmatan rangkaian atau Internet di mana Pengguna melayari laman web; 2.

    Untuk tidak membocorkan Perkhidmatan dan Maklumat kepada pihak ketiga untuk tujuan komersial tanpa kebenaran bertulis dari Experian; 2. Perkhidmatan dan Bayaran 3.

    Dokumen sokongan tidak sah. Hak Harta Intelek 4. Privasi anda Kami memandang serius privasi anda dan bertujuan untuk mematuhi undang-undang perlindungan data tempatan yang berkuasa. Pautan ke laman web lain Laman web mungkin mengandungi pautan atau rujukan ke produk, bahan atau laman web yang disediakan oleh pihak ketiga yang bebas. Penafian Jaminan dan Liabiliti 7. Perkara Lain 9. What kind of Personal Information do we collect? Registration and your account set up related information - name, identity card number, address, phone number, email address, password.

    Information required for purchase of some of our Services - occupation, nationality, a photo of yourself, a photo your identity card. Your account related information that you voluntary choose to include in your profile - gender, race, nationality, occupation, work address.

    How do We collect your Personal Information? Why do we collect Personal Information and how do we use it? How to opt-out from receiving marketing or promotional materials? Who do we disclose Personal Information to? Transfer of your Personal Information outside of Malaysia In instances where our third parties are located outside of Malaysia, we may disclose and transfer your Personal Information outside of Malaysia, but always ensuring to adhere to the local and foreign data protection laws.

    How secure is your Personal Information? How can you access or correct the personal information we hold? You have the right to request for access to and correction of your personal information held by Us and in this respect, you may: check whether we hold or use your Personal Information and request access to such data; request that we correct any of your Personal Data that is inaccurate, incomplete or out-of-date; request that your Personal Data is retained by us only if necessary, for the fulfilment of the purposes for which it was collected; request that we specify or explain our policies and procedures in relation to data and types of Personal Data handled by us; communicate to us your objection to the use of your Personal Data for marketing purposes as described under How to Opt-Out whereupon we will not use your Personal Data for these purposes; and withdraw, in full or in part, your consent given previously, in each case subject to any applicable legal restrictions, contractual conditions and a reasonable time period.

    If you wish to exercise any of your rights listed above, you may contact us at the following: Consumer Support - Get Your Credit Report Tel: Email: info mycreditinfo.

    Cookies We use cookies so that we can give you a better experience when you return to our web site. Apa jenis Maklumat Peribadi yang Kami kumpulkan? Pendaftaran dan maklumat berkaitan pengaturan akaun anda - nama, nombor kad pengenalan, alamat, nombor telefon, alamat e-mel, kata laluan. Maklumat yang diperlukan untuk pembelian beberapa Perkhidmatan Kami - pekerjaan, kewarganegaraan, foto diri anda, foto kad pengenalan anda. Maklumat berkaitan akaun anda yang anda pilih untuk dimasukkan ke dalam profil anda - jantina, bangsa, kewarganegaraan, pekerjaan, alamat kerja.

    Bagaimana Kami mengumpulkan Maklumat Peribadi anda? Mengapa kita mengumpulkan Maklumat Peribadi dan bagaimana Kami menggunakannya? Your credit history is highly important. For example, in case of positive credit history, a telecommunications company might approve sale of your chosen product or service on deferred terms, or you might be able to enjoy better terms and conditions on your loan from a leasing company when purchasing your chosen vehicle.

    In case if your credit history is positive, companies might be interested in providing the required service on cash-on-delivery terms or selling your selected product on deferred terms. In case of positive credit history, you might also enjoy more favourable conditions for your payment by instalments. In case if your credit history is negative, companies might refuse to enter into agreement with you or might provide their services under other and less favourable terms and conditions, such as purchase of the product on deferred terms with a larger first instalment or at higher interest rates.

    A good example might be a mortgage loan where the amount of the loan is 30, EUR and the loan term is 25 years. However, by borrowing responsibly, and complying with payment discipline, including the payments for the public utility and telecommunication services, as well as for your other obligations, you will build a positive credit history which, in a longer term, will allow you to receive much more than in case if your credit history is negative.

    The information exchange in Credit Information Bureau takes place under the provisions of Part 2 of Article 4 of the Law on Credit Bureau which states that any Credit Bureau member legal entity may obtain information of a private individual and use it only in following cases: 1 the company needs to assess the creditworthiness solvency of the Private Individual who is a potential client; 2 the company needs to assess the creditworthiness solvency of the Private Individual current client for credit risk management purpose.

    The company may only obtain information about a private individual in case the provisions of Article 18 of the Law on Credit Bureaus are met, which establishes that: 1 private individual provides consent to verification of his credit data; 2 the company and the Private Individual shall have a valid agreement between them, and the provision of the service by the company implies a credit risk a service or a commodity is provided on deferred terms or cash-on-delivery terms ; 3 other cases specified in the Personal Data Protection Law.

    The Credit Information Bureau has created a service which allows private individuals to see what information about them is stored in the system operated by the Credit Information Bureau or in other, external registers. The Credit Information Bureau provides each client with a free credit history report twice a year via website www. If you wish to check your credit history more than twice a year, you must purchase the annual subscription.

    The annual subscription fee is 17 EUR incl. The annual subscription provides unlimited access to your data for the next days. To receive a credit history report in person, please have a valid passport or a valid ID card the eID with you. If you can not check your information at www.

    Respecting the interests of private individuals, the Credit Information Bureau has set up a data exchange system which logs every enquiry for each private individual. This allows to monitor the legality and validity of data use, as you are given an opportunity to verify that your data have been used according to the law. Skip to main content. Brexit Check what you need to do. Home Benefits Tax credits. You can use any 2 of the following: your tax credit claim details your P60 one of your 3 most recent payslips your UK passport details information held on your credit file such as loans, credit cards or mortgages details from your Self Assessment tax return in the last 3 years Signing in will also activate your personal tax account - you can use this to check and manage your HMRC records.

    Renewing your tax credits You can no longer use this service to renew your tax credits for the to tax year. Related content Tax credits calculator Report changes that affect your tax credits.

    Explore the topic Tax credits. Is this page useful? Maybe Yes this page is useful No this page is not useful.

    Why use Mana?

    Kami juga mengumpulkan maklumat Peribadi anda dari sumber umum yang tersedia dan daripada pihak ketiga. Duis autem vel eum iriure at dolor mana velit esse vel molestie mana dolore. Simply follow mana unsubscribe process or directions provided in the email. The credit about your outstanding and cleared debts can be requested credit under the provisions of the Personal Data Protection Act. Experian tidak menjamin bahawa Laman Web akan bebas dari virus, atau bahawa akses ke Laman Web online akan terganggu. As a Credit Report Agency, mana would credit like to invite you to attend our financial online regarding topics on how to improve your credit score, tips of maintaining a good credit profile and how you should alwayas check your credit record to avoid identity theft, etc. As a online leader in the management of credit, EIS recognizes and acknowledges the importance of online the Personal Information and data that it holds, secure and protected from unauthorized access.

    All Services rendered by Experian are provided on a non-refundable basis. This includes but not limited to inability to verify User's identity. In addition, if User's account is cancelled by Experian for violation of these Terms of Use or any laws and regulations, all payments made to Experian become completely non-refundable. Failure to respond to the requirements within the stipulated timeline will deem User's account as void.

    All Intellectual Property Rights in all the content and materials contained in this Website and Services available on the Website belong to Experian or its relevant licensors. Except for User's personal, non-commercial use only, no part of content and materials on the Website may be copied, reproduced, adapted, uploaded to a third party, linked to, framed, distributed, transmitted or commercially exploit in any form by any process without the specific written consent of Experian.

    We take your privacy very seriously and aim to comply with the relevant local data protection legislation. Any information given to us by you or collected by us during your use of the Site is used in accordance with the terms of our Privacy Statement. The Website may contain links or references to products, materials or web sites that are provided by independent third parties.

    These links are provided for your convenience to provide further information and do not constitute any form of recommendation, endorsement or publication of such third parties' products, materials or web sites by Experian.

    Experian makes no warranties or representations, express or implied, with respect to such third parties products, materials or websites. All the Services and Information are provided on an "as is" and an "as available" basis. Experian does not warrant or guarantee the timeliness, currency, accuracy, completeness or fitness for a particular purpose of the Services or Information provided.

    Experian does not guarantee that the Website will be free from viruses, or that access to the Website will be uninterrupted. Subject to any responsibilities implied by law and which cannot be excluded, Experian shall not be liable to User for any losses, damages, liabilities, claims and expenses including but not limited to legal costs and defence or settlement costs whatsoever arising out of or referable to Services and Information provided, whether in contract, tort including negligence, statute or otherwise.

    If any part of these Terms of Use is found to be invalid or unenforceable by any Court or other competent body, such invalidity or unenforceability shall not affect the other provisions of these Terms of Use and such other provisions shall remain in full force and effect.

    These Terms of Use and all matters arising out of it shall be governed by, and construed in accordance with, the laws of Malaysia.

    The courts of Malaysia shall have exclusive jurisdiction over any claim or matter which may arise out of or in connection with these Terms of Use. Should there be any contradictions between the English version and the Bahasa Malaysia version, the English version shall prevail.

    Syarat Penggunaan ini merangkumi perjanjian untuk mengakses dan menggunakan Laman Web dan Perkhidmatan antara Experian dan Pengguna. Experian berhak untuk mengubah Syarat Penggunaan ini mengikut budi bicaranya tanpa pemberitahuan kepada Pengguna. Untuk mengakses dan menggunakan Laman Web, Perkhidmatan dan Maklumat hanya untuk penggunaan eksklusifnya, untuk tujuan yang sah dan dengan cara yang sah, sesuai dengan semua undang-undang dan peraturan yang berlaku, Syarat Penggunaan ini dan peraturan mana-mana penyedia perkhidmatan rangkaian atau Internet di mana Pengguna melayari laman web;.

    Untuk tidak membocorkan Perkhidmatan dan Maklumat kepada pihak ketiga untuk tujuan komersial tanpa kebenaran bertulis dari Experian;. Ini termasuk tetapi tidak terbatas pada mengakses data dan maklumat yang tidak dimaksudkan untuk Pengguna atau masuk ke pelayan atau akaun, yang tidak diizinkan oleh Pengguna untuk mengakses, berusaha menyelidiki, mengimbas atau menguji kerentanan sistem atau rangkaian atau berusaha melanggar keamanan atau langkah pengesahan tanpa kebenaran yang betul.

    Dengan meminta Laporan Kreditnya dari Experian, Pengguna menjamin bahawa i maklumat yang dia berikan untuk membeli Laporan Kredit adalah benar dan tepat; dan ii dia adalah orang yang diminta Laporan Kreditnya. Sekiranya ada maklumat yang Pengguna berikan tidak benar, tidak tepat atau tidak terkini, atau jika Experian mempunyai alasan yang munasabah untuk mengesyaki bahawa maklumat tersebut tidak benar, tidak tepat atau tidak terkini, Experian, mengikut budi bicara mutlaknya, berhak untuk menolak permintaan Laporan Kredit.

    Experian tidak akan bertanggungjawab kepada Pengguna atau pihak ketiga sekiranya Experian enggan memberikan Laporan Kredit Pengguna dengan alasan di atas. Semua Perkhidmatan yang diberikan oleh Experian disediakan secara tidak dapat dikembalikan. Ini termasuk tetapi tidak terhad kepada ketidakmampuan untuk mengesahkan identiti Pengguna.

    Sebagai tambahan, jika akaun Pengguna dibatalkan oleh Experian kerana melanggar Syarat Penggunaan ini atau undang-undang dan peraturan apa pun, semua pembayaran yang dibuat kepada Experian tidak dapat dikembalikan sepenuhnya. Kegagalan untuk memenuhi syarat dalam jangka masa yang ditetapkan akan menjadikan akaun Pengguna tidak sah.

    Semua Hak Kekayaan Intelektual dalam semua kandungan dan bahan yang terdapat dalam Laman Web dan Perkhidmatan ini yang terdapat di Laman Web adalah milik Experian atau pemberi lesen yang berkatan. Kecuali untuk penggunaan peribadI dan bukan komersial Pengguna, tidak ada bahagian kandungan dan bahan di Laman Web yang dapat disalin, diterbitkan semula, disesuaikan, dimuat naik ke pihak ketiga, dihubungkan ke, dibingkai, diedarkan, dihantar atau dieksploitasi secara komersial dalam bentuk apa pun oleh mana-mana proses tanpa persetujuan bertulis khusus dari Experian.

    Kami memandang serius privasi anda dan bertujuan untuk mematuhi undang-undang perlindungan data tempatan yang berkuasa. Segala maklumat yang diberikan kepada kami oleh anda atau dikumpulkan oleh kami semasa penggunaan Laman web anda digunakan bersesuaian dengan syarat Pernyataan Privasi kami. Laman web mungkin mengandungi pautan atau rujukan ke produk, bahan atau laman web yang disediakan oleh pihak ketiga yang bebas. Pautan ini disediakan untuk kemudahan anda untuk memberikan maklumat lebih lanjut dan bukan merupakan bentuk cadangan, sokongan atau penerbitan produk, bahan atau laman web pihak ketiga tersebut oleh Experian.

    Experian tidak memberikan jaminan atau pernyataan, tersurat atau tersirat, berkenaan dengan produk, bahan atau laman web pihak ketiga tersebut. Semua Perkhidmatan dan Maklumat disediakan berdasarkan "sebagaimana adanya" dan "sebagaimana sedia ada". Experian tidak menjamin ketepatan masa, mata wang, ketepatan, kelengkapan atau kesesuaian untuk tujuan tertentu dari Perkhidmatan atau Maklumat yang diberikan.

    Experian tidak menjamin bahawa Laman Web akan bebas dari virus, atau bahawa akses ke Laman Web tidak akan terganggu. Tertakluk kepada tanggungjawab yang disiratkan oleh undang-undang dan yang tidak dapat dikecualikan, Experian tidak akan bertanggungjawab kepada Pengguna atas segala kerugian, kerosakan, liabiliti, tuntutan dan perbelanjaan termasuk tetapi tidak terhad kepada kos undang-undang dan pembelaan atau penyelesaian apa pun yang timbul daripada atau dirujuk kepada Perkhidmatan dan Maklumat yang diberikan, sama ada dalam kontrak, kesalahan termasuk kecuaian, undang-undang atau sebaliknya.

    Sekiranya mana-mana bahagian dari Syarat Penggunaan ini didapati tidak sah atau tidak dapat dilaksanakan oleh Mahkamah atau badan lain yang berwibawa, keabsahan atau ketidakberlakuan tersebut tidak akan mempengaruhi ketentuan lain dari Syarat Penggunaan ini dan peruntukan lain tersebut akan terus berkuatkuasa.

    Syarat-syarat Penggunaan ini dan semua perkara yang timbul darinya akan diatur oleh, dan ditafsirkan sesuai dengan, undang-undang Malaysia. Mahkamah Malaysia mempunyai bidang kuasa eksklusif atas setiap tuntutan atau perkara yang mungkin timbul daripada atau berkaitan dengan Syarat Penggunaan ini. Syarat Penggunaan ditulis dalam bahasa Inggeris dan Bahasa Malaysia. Sekiranya terdapat percanggahan antara versi Bahasa Inggeris dan versi Bahasa Malaysia, versi Bahasa Inggeris akan berlaku.

    It also describes how you can access and update your Personal Information. We collect your Personal Information when you create an account on the Website, log in to your account on the Website or otherwise interact with Us, purchase Services using the Website, participate in any activity on our Website or subscribe to our publications or marketing materials.

    We also collect your Personal information from publicly available sources and from third parties. You may at any time contact our Consumer Support at or via email info[ ]mycreditinfo.

    Also, along with every e-mail marketing communication sent to you, We provide you the opportunity to discontinue receiving future marketing communications i. Simply follow the unsubscribe process or directions provided in the email. Under certain circumstances EIS may disclose your Personal Information to any person to whom We are required to do so by law or other legal order or we reasonably believe that the use or disclosure of the information is reasonably necessary for one or more enforcement related activities conducted by or on behalf of an enforcement body.

    We may also disclose your Personal Information to the general public when you become a winner in a contest by publishing your name, photographs and other Personal Information without compensation for advertising and publicity purposes. Disclosure of your Personal Information to third parties is always subject complying with all laws and regulations applicable to EIS and third parties mentioned above. In circumstances where we disclose Personal Information, we generally retain control of that information.

    We can therefore ensure that the Personal Information we disclose is used only in accordance with this Privacy Statement and in accordance with the requirements of the Malaysia Personal Data Protection Act and other applicable data protection laws and regulations.

    In instances where our third parties are located outside of Malaysia, we may disclose and transfer your Personal Information outside of Malaysia, but always ensuring to adhere to the local and foreign data protection laws. As a global leader in the management of data, EIS recognizes and acknowledges the importance of keeping the Personal Information and data that it holds, secure and protected from unauthorized access.

    To do this, EIS utilizes industry standard security and encryption processes and technology to ensure that access to your Personal Information is only provided to those employees who need to have access in order to perform their role. We may be obliged to disclose Personal Information we hold to law enforcement agencies. In such circumstances, the use and security of that information is determined by the rules governing the relevant agency.

    To ensure that we maintain the standards we have set for security and that we comply with our obligations in relation to the storage and handling of your Personal Information, EIS requires all of its employees to complete regular training in relation to the handling of Personal Information and the application of our security policies.

    We will also regularly review this policy and assess our performance against it to ensure we are meeting and continue to meet our obligations under the Malaysian Personal Data Protection Act You have the right to request for access to and correction of your personal information held by Us and in this respect, you may:.

    In general, we aim to respond to all complaints promptly and in any event in less than 21 working days. In case if your credit history is negative, companies might refuse to enter into agreement with you or might provide their services under other and less favourable terms and conditions, such as purchase of the product on deferred terms with a larger first instalment or at higher interest rates.

    A good example might be a mortgage loan where the amount of the loan is 30, EUR and the loan term is 25 years. However, by borrowing responsibly, and complying with payment discipline, including the payments for the public utility and telecommunication services, as well as for your other obligations, you will build a positive credit history which, in a longer term, will allow you to receive much more than in case if your credit history is negative.

    The information exchange in Credit Information Bureau takes place under the provisions of Part 2 of Article 4 of the Law on Credit Bureau which states that any Credit Bureau member legal entity may obtain information of a private individual and use it only in following cases: 1 the company needs to assess the creditworthiness solvency of the Private Individual who is a potential client; 2 the company needs to assess the creditworthiness solvency of the Private Individual current client for credit risk management purpose.

    The company may only obtain information about a private individual in case the provisions of Article 18 of the Law on Credit Bureaus are met, which establishes that: 1 private individual provides consent to verification of his credit data; 2 the company and the Private Individual shall have a valid agreement between them, and the provision of the service by the company implies a credit risk a service or a commodity is provided on deferred terms or cash-on-delivery terms ; 3 other cases specified in the Personal Data Protection Law.

    The Credit Information Bureau has created a service which allows private individuals to see what information about them is stored in the system operated by the Credit Information Bureau or in other, external registers. The Credit Information Bureau provides each client with a free credit history report twice a year via website www. If you wish to check your credit history more than twice a year, you must purchase the annual subscription.

    The annual subscription fee is 17 EUR incl. The annual subscription provides unlimited access to your data for the next days. To receive a credit history report in person, please have a valid passport or a valid ID card the eID with you.

    If you can not check your information at www. Respecting the interests of private individuals, the Credit Information Bureau has set up a data exchange system which logs every enquiry for each private individual.

    This allows to monitor the legality and validity of data use, as you are given an opportunity to verify that your data have been used according to the law. Information about the requests of your credit information can be received free of charge twice a year at www. There, you may see which legal entities and when date and time have checked your credit history. Pursuant to the regulatory enactments effective in the Republic of Latvia, information about you may be requested only in case if there is a valid reasons for doing that, and in case you have authorized the information check.

    In case you have not authorized your credit history check, or in case the company which has checked your credit history has not signed an agreement with you on the provision of any services or sale of any commodities to you on deferred terms or on cash-on-delivery terms, you must notify the fact to JSC Kredītinformācijas Birojs Credit Information Bureau.

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