OFFICIAL DOCUMENT • PDPA 2010 MALAYSIA

Privacy Policy freecredit.onl — Protecting Your Personal Data

Your privacy is our priority. This Privacy Policy clearly explains how freecredit.onl collects, uses, stores, and protects your personal data as a member of our platform. All our practices are in full compliance with Malaysia's Personal Data Protection Act 2010 (PDPA).

Last Updated: 1 January 2026

1Introduction

Freecredit.onl ("we", "our platform") values the privacy of every member who uses our services. This Privacy Policy is designed to clearly and transparently explain how we handle your personal data — from how it is collected and how it is used, to who it is shared with and how you can control your own information.

This document applies to all users of the freecredit.onl platform, including website visitors, prospective members, and active members. By using our platform, you agree to the practices described in this Privacy Policy.

We are committed to full compliance with Personal Data Protection Act 2010 (PDPA) Malaysia, which is the primary legislation governing personal data protection in Malaysia. All our data collection and processing activities are conducted in accordance with PDPA principles, encompassing fairness, accuracy, lawful purpose, and adequate security.

Privacy Policy Summary: We collect only the data that is strictly necessary, use it solely for the stated purposes, protect it with the latest technology, and never sell it to any third party without your consent.

2Personal Data We Collect

We collect your personal data through two primary methods: directly from you during registration and platform use, and automatically through standard tracking technologies.

Data You Provide Directly:

  • Full name as stated on your identification card
  • National identity card number (MyKad) or passport number
  • Active email address
  • Registered Malaysian mobile number
  • Date of birth for age verification
  • Bank account details, e-wallet (Touch 'n Go eWallet, GrabPay, Boost, ShopeePay) or DuitNow information for transaction purposes
  • Account password (stored in encrypted form)
  • Any identity verification documents requested during the KYC process

Automatically Collected Data:

  • IP address and approximate location data
  • Device type, operating system, and web browser used
  • Gaming activity history, including games played, bet amounts, and winnings
  • Deposit and withdrawal transaction history
  • Login session time and duration
  • Cookie data and other tracking technologies (see Section 8)
Data Category Sample Information Requirements
Identity Full name, IC number, date of birth Mandatory
Contact Email, phone number Mandatory
Finance Bank account, e-wallet Required for transactions
Technical IP address, device, browser Automatic
Usage Game history, sessions Automatic

3How We Use Your Personal Data

The personal data we collect is used solely for legitimate, stated purposes. We will not use your data for any other purpose without notifying you in advance.

  • Account Management: Creating, verifying, and maintaining your member account on the freecredit.onl platform.
  • Transaction Processing: Processing deposits via Touch 'n Go eWallet, GrabPay, Boost, ShopeePay, DuitNow, and FPX, as well as withdrawals of winnings to your account.
  • Identity Verification (KYC): Verifies that you meet the minimum age requirement (18 and above) and confirms your identity in compliance with legal obligations.
  • Platform Security: Detecting and preventing fraud, money laundering, bonus abuse, and other unlawful activities on our platform.
  • Customer Support: Enables our support team to assist you effectively when you reach out via live chat, email, or WhatsApp.
  • Legal Compliance: Fulfilling the legal and regulatory obligations applicable to our platform's operations in Malaysia.
  • Service Communications: Sending you important notifications regarding your account, transactions, and policy updates.
  • Platform Improvements: Analyses usage patterns in aggregate (not individually) to improve platform features and the overall user experience.

We do not use your personal data for automated profiling that makes decisions with a material impact on you without human involvement.

4Data Sharing With Third Parties

Freecredit.onl does not sell, rent, or disclose your personal data to any third party for marketing purposes. However, we may share your information in limited circumstances as outlined below:

  • Payment Service Providers: Required transaction data is shared with licensed payment processors such as FPX, DuitNow, and e-wallet providers to complete your deposit and withdrawal requests.
  • Game Software Provider: Limited game session data is shared with licensed game providers to ensure smooth game operations.
  • Technical Service Provider: We work with trusted third parties for hosting, analytics, and cybersecurity services. They are bound by strict confidentiality agreements and may only process your data in accordance with our instructions.
  • Relevant Authorities: We may disclose your data to law enforcement agencies or Malaysian government authorities when required by law or court order.
  • Protection of Our Rights: In cases of fraud, disputes, or legal claims, we may disclose relevant data to protect our rights and legitimate interests.

All third parties that handle your data are required to uphold data protection standards equal to or higher than our own.

5Personal Data Security

We implement comprehensive technical and organisational measures to protect your personal data against unauthorised access, loss, destruction, or accidental disclosure.

  • 256-bit SSL Encryption: All data transmitted between your device and our servers is encrypted using the latest TLS 1.3 protocol.
  • Two-Factor Authentication (2FA): We offer an additional layer of security through OTP verification for logins and important transactions.
  • 24/7 Monitoring: Our systems are continuously monitored to detect suspicious activity or intrusion attempts.
  • Password Encryption: Your password is stored in an irreversible hashed format — no one on our team is able to view your original password.
  • Internal Access Controls: Only authorised personnel have access to members' personal data, and all such access is logged and regularly audited.
  • Regular Security Audits: We conduct regular penetration testing and security audits carried out by independent third-party experts.

Important Note: While we take all reasonable steps to protect your data, no system can be guaranteed 100% secure. You are also responsible for keeping your password and account login credentials confidential.

6Data Retention Period

Freecredit.onl retains your personal data only for as long as necessary for the purposes stated in this Privacy Policy, or as required under applicable Malaysian law.

Data Type Retention Period Reason
Active account data For as long as the account is active Account Management
Transaction records 7 years after transaction Legal & tax requirements
Gaming activity logs 2 years Security & Audit
KYC Documents 5 years after account closure PDPA & AML
Support communication logs 3 years Dispute Resolution

Once the retention period expires, your data will be securely deleted or anonymised in accordance with our standard procedures.

7Your Rights as a Data Subject

Under the Malaysia PDPA 2010, you have the following rights regarding your personal data that we hold. To exercise any of these rights, please contact us at support@freecredit.onl.

Right of Access

You have the right to request a copy of the personal data we hold about you. We will process your request within 21 business days.

Right to Rectification

You may request corrections to any inaccurate or incomplete data via your account settings or by contacting our support team.

Right to Object

You may object to the processing of your data for specific purposes such as marketing communications. An unsubscribe option is available in every email.

Right to Erasure

You may request the deletion of your data when it is no longer needed, subject to applicable legal retention obligations.

Right to Data Portability

You may request your data in a structured, machine-readable format for transfer to another service provider.

Right to Restrict Processing

Under certain circumstances, you may request that we restrict the processing of your data while a dispute is being resolved.

8Cookies & Tracking Technologies

Freecredit.onl uses cookies and similar tracking technologies to enhance your experience on our platform. Cookies are small text files stored on your device when you visit our website.

  • Essential Cookies: Required for core platform functions such as login sessions and security. These cookies cannot be disabled.
  • Performance Cookies: Collects anonymous information about how you use the platform to help us improve our services.
  • Functional Cookies: Remembers your preferences — such as language, currency, and display settings — to personalise your experience.
  • Analytics Cookies: Used via analytics tools to understand overall usage patterns.

You can manage cookie settings through your web browser. Please note that disabling certain cookies may affect platform functionality. For more information on managing cookies, refer to your browser settings.

9Links to Third-Party Websites

The freecredit.onl platform may contain links or integrations with third-party services, such as payment providers (FPX, Maybank2u, CIMB Clicks) and licensed game providers. This Privacy Policy applies solely to the freecredit.onl platform.

We are not responsible for the privacy practices of those third-party websites or services. We encourage you to read the privacy policy of each third-party service you use before providing them with any personal information.

10Child Protection

Freecredit.onl is a platform intended solely for individuals aged 18 and above. We do not knowingly collect, process, or store personal data of anyone under the age of 18.

Should we discover that a child's personal data has been collected inadvertently, we will take immediate steps to delete that data and close the account in question. If you believe your child has registered on our platform, please contact us immediately at support@freecredit.onl.

11Privacy Policy Amendments

Freecredit.onl reserves the right to update or amend this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or the technologies we use. Any amendments will be published on this page along with the latest update date.

For material and significant amendments, we will notify you via email or in-platform notification at least 14 days before the changes take effect. Your continued use of the platform after such notice constitutes your acceptance of the updated terms.

12Contact Our Data Protection Officer

If you have any questions, concerns, or complaints regarding this Privacy Policy or the way we handle your personal data, please contact our Data Protection Officer (DPO):

Email: support@freecredit.onl
Live Chat: Available 24/7 at freecredit.onl
Response Time: Within 3 business days for privacy-related enquiries

You also have the right to lodge a complaint with Personal Data Protection Department of Malaysia (JPDP) if you are not satisfied with our response to your complaint.

Why Your Data Is Safe With Us

Six layers of protection we have in place to safeguard the privacy of every freecredit.onl member

256-bit SSL Encryption

All data transmitted between your device and our servers is protected by 256-bit SSL encryption — the same standard used by leading Malaysian banks such as Maybank and CIMB.

PDPA 2010 Compliance

All our data management practices are in full compliance with the Malaysia Personal Data Protection Act 2010. We never process your data beyond the scope permitted by law.

Strict Access Control

Members' personal data is accessible only to authorised personnel. All access is logged, audited, and monitored. A strict "need-to-know" principle is applied at all times.

Two-Factor Authentication

Your account is protected with two-factor authentication (2FA) via OTP sent to your Malaysian phone number. All critical transactions require this additional verification.

Independent Security Audit

Our data protection systems and practices are regularly audited by independent third-party cybersecurity experts. Audit reports are available upon legitimate request.

No Data Selling

We have never sold and will never sell your personal data to any third party for marketing or commercial purposes. Your data belongs to you — it is not our commodity.

Register with Confidence — Your Data Is Safe with Us

Your privacy is assured and your data is protected. Register a free account today, claim your free credit RM18, and enjoy Malaysia's best gaming experience with complete peace of mind.

Data Protected Under PDPA 2010  |  SSL 256-bit  |  No Data Selling

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