Privacy Policy
Last updated: March 9, 2026
This Privacy Policy describes how Credit Wise collects and uses your personal information. We are committed to protecting your privacy and handling your data responsibly. This policy explains what information we gather, how we use it, and your rights regarding your personal data.
Information We Collect
We collect various types of information to provide and improve our services. When you visit our website, we gather information about your interactions with our content, including pages visited, time spent on our site, and the links you click. We may also collect personal information you voluntarily provide, such as your name, email address, and phone number if you contact us or request more information about credit guidance.
Additionally, we collect technical information through cookies and similar tracking technologies. This includes your IP address, browser type, operating system, and device information. We use this data to understand user behavior, optimize our website performance, and deliver relevant content about credit scores, CTOS, CCRIS, and responsible borrowing in Malaysia.
How We Use Your Information
We use the information we collect to enhance your experience on our website and provide accurate, helpful content about Malaysian credit systems. Your data helps us personalize content recommendations, understand which credit topics are most relevant to our users, and improve the quality of our guides on CTOS score interpretation and credit utilization awareness.
We may also use your information to communicate with you about updates to our services, respond to your inquiries, and send educational materials about responsible borrowing practices. We analyze aggregated data to identify trends in how people research credit scores and lending practices, which helps us create more targeted and useful content. We never sell or share your personal information with third parties without your explicit consent, except as required by Malaysian law or to protect our legal rights.
Cookies and Tracking Technologies
We use cookies to improve your browsing experience and gather information about how you use our website. Cookies are small data files stored on your device that help us remember your preferences and track your navigation patterns. Essential cookies enable core website functionality, while analytical cookies help us understand user behavior and improve our content delivery.
You can control cookie settings through your browser preferences. Most browsers allow you to refuse cookies or alert you when cookies are being sent. However, disabling cookies may affect your ability to access certain features of our website. We also use similar technologies like web beacons and pixels to measure campaign effectiveness and track user engagement with our credit education resources.
Your Rights and Data Protection
You have several rights regarding your personal information under Malaysian data protection laws. You can request access to the personal data we hold about you, ask for corrections if any information is inaccurate, and request deletion of your data in certain circumstances. You also have the right to withdraw consent for data processing at any time, though this may limit our ability to provide certain services.
If you wish to exercise these rights or have concerns about how we handle your information, please contact us using the information provided below. We will respond to your requests within a reasonable timeframe and in accordance with applicable Malaysian privacy regulations. We maintain reasonable security measures to protect your personal information from unauthorized access, disclosure, or alteration.
Third-Party Links and Services
Our website may contain links to third-party websites and services. We are not responsible for the privacy practices of external sites, and we encourage you to review their privacy policies before sharing any personal information. Our Privacy Policy applies only to information collected through our website and does not cover practices of other organizations.
If you use third-party services integrated with our website, please be aware that those providers may collect and process your data according to their own privacy policies. We recommend exercising caution when sharing information with external parties and understanding their data protection practices.
Policy Updates
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will notify you by updating the “Last updated” date at the top of this page. Your continued use of our website following such modifications indicates your acceptance of the updated Privacy Policy.
We encourage you to review this policy regularly to stay informed about how we protect your information. If you have any questions about our privacy practices or the changes we make, please contact us at the details provided below.
Contact Us
If you have questions about this Privacy Policy, our data practices, or wish to exercise your privacy rights, you can contact us:
Email: [email protected]
Phone: +60 3 7725 4891
Address: Jalan Tun Perak 156, Kuala Lumpur, 50050, Malaysia
We will respond to your inquiries promptly and work to address any concerns you may have about your personal information.