CTOS Terms and Conditions

Pursuant to the Credit Reporting Agencies (CRA) Act and Central Bank of Malaysia Act, I the undersigned do hereby give my consent to Jirnexu Sdn Bhd ("RinggitPlus") and CTOS Data Systems Sdn Bhd ("CTOS"), a registered credit reporting agency under the CRA Act, to process my personal data for the purpose of generating a credit report.

By this consent, I understand and agree that:

  1. RinggitPlus and CTOS may conduct credit, CCRIS and DCHEQS checks from Bank Negara on me.
  2. I give my consent to RinggitPlus and CTOS to process my personal data as per the Personal Data Protection Act (PDPA).
  3. I recognise that I have the option to unsubscribe from RinggitPlus’s services, after which they will not be allowed to retain my personal data obtained from my personal credit report.

Furthermore, by submitting my personal information to RinggitPlus, I have read and hereby agree to the terms and conditions and further consent for RinggitPlus to retain and use my personal information:

  1. To disclose my personal information to CTOS to process, verify and obtain my credit information (including CCRIS and DCHEQS from Bank Negara Malaysia) to facilitate my credit score;
  2. To create a CTOS ID user account to allow me to ensure the accuracy and recency of my credit report as per legislated under the Credit Reporting Agencies (CRA) Act 2010;
  3. To obtain my other personal information found on the database of CTOS for the purposes of preparing my credit score report and to process and make recommendations to improve my credit health.