Effective Date: July 2026
Welcome to loan-my.com. These Terms and Conditions govern your use of our website and services. By accessing or using loan-my.com, you agree to be bound by these terms. If you do not agree, please do not use our platform.
1. About Our Service loan-my.com is a free online comparison platform that connects users with licensed moneylenders in Malaysia. We are not a lender or financial institution. All loans are provided directly by third-party licensed providers. We do not guarantee loan approval, terms, or disbursement — these are determined solely by the lenders based on their criteria, including your credit profile, income, and Debt Service Ratio (DSR).
2. Eligibility You must be a Malaysian citizen or permanent resident, aged 21–60, with a valid MyKad and an active Malaysian bank account. You represent that all information you provide is accurate and complete. Misrepresentation may result in rejection of applications or termination of access.
3. User Responsibilities
- Provide truthful information during applications.
- Use the platform only for lawful purposes.
- Not engage in any fraudulent, abusive, or harmful activities.
- Comply with all applicable Malaysian laws, including those related to borrowing and data protection.
4. Loan Applications and Disclaimers Applications are forwarded to selected lenders. We are not responsible for the lenders’ decisions, loan agreements, interest rates, fees, or repayment terms. All loan contracts are between you and the lender. Review all documents carefully before signing. Interest rates and terms vary and are subject to the lender’s approval. Typical rates range from 2%–12% per month on a reducing balance basis, as regulated.
We do not charge you any fees for using our comparison service. However, lenders may have their own processing or other fees, which will be disclosed to you.
5. Intellectual Property All content on loan-my.com, including text, logos, and design, is owned by us or our licensors and protected by copyright and other intellectual property laws. You may not copy, modify, or distribute our content without prior written permission.
6. Limitation of Liability To the fullest extent permitted by law, loan-my.com and its affiliates shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the site or any loan obtained through our platform. We provide the site on an “as is” and “as available” basis without warranties of any kind.
7. Indemnification You agree to indemnify and hold harmless loan-my.com from any claims, losses, or damages arising from your breach of these terms or your use of the services.
8. Termination We reserve the right to terminate or suspend your access to the site at our discretion, without notice, for any reason, including breach of these terms.
9. Governing Law These terms are governed by the laws of Malaysia. Any disputes shall be subject to the exclusive jurisdiction of the Malaysian courts.
10. Changes to Terms We may update these Terms and Conditions from time to time. Your continued use after changes means you accept the new terms. We encourage you to review them periodically.
Contact For questions about these Terms, contact us at info@loan-my.com.
By using loan-my.com, you acknowledge that you have read, understood, and agreed to these Terms and Conditions.
These three sections are written as ready-to-use webpage content in plain English text. You can copy them directly into your WordPress pages or HTML. They are tailored to the site’s focus on Malaysian online loans, licensed lenders, and key features from the homepage. Let me know if you need adjustments, Malay translations, or formatting for specific templates!