FreeKredit Privacy Policy Summary
We know privacy documents are usually long and tedious. So before you read through the whole thing, here's a quick summary: freekredit collects your personal data solely for operating the platform and improving our services. We do not sell your data. We do not share your data for third-party marketing purposes. You have full rights over your data. And we protect it with the latest security technology.
1Introduction & Scope of This Privacy Policy
This Privacy Policy is issued by the freekredit platform (https://freekredit.im) and applies to all members, registered users, and visitors who use freekredit's website, mobile app, and any other digital services operated by freekredit.
As an online entertainment platform offering live casino, slots, table games, Sports Betting (including the Malaysia Super League, EPL, and badminton), e-sports, and more to Malaysian users, freekredit collects and processes personal data in the course of its operations. This processing is carried out in accordance with the following principles, aligned with Malaysia's Personal Data Protection Act 2010 (PDPA):
- Consent: Data is only collected with your consent, whether express (you provide information directly) or implied (use of the platform is taken as consent to the data collection described in this policy);
- Legitimate Purpose: Data is collected and used solely for legitimate purposes directly related to the platform's operations and the services you request;
- Data Minimisation: We only collect data that is necessary — nothing beyond what is required for the stated purposes;
- Accuracy: We take steps to ensure that the data we hold is accurate and up to date;
- Security: Appropriate technical and organisational security measures are in place to protect your data.
Important Note: This Privacy Policy may be updated from time to time to reflect changes in law, technology, or how we operate. The date of the last update is shown at the top of this document. Continued use of the freekredit platform following any amendments constitutes acceptance of the revised policy.
2Types of Personal Data Collected by FreeKredit
FreeKredit collects two main categories of data from members — data you provide directly, and data collected automatically as you use our platform.
Data You Provide Directly:
- Identity Data: Full name (as per MyKad or passport), date of birth, gender and identity card/passport number (required for the KYC process);
- Contact Data: Active Malaysian mobile number, email address, and residential address;
- Financial Data: Bank account or digital wallet information used for deposits and withdrawals (e.g., Maybank2u or CIMB Clicks account details, registered mobile number for TNG, GrabPay, Boost, ShopeePay, or DuitNow). We do not store full credit/debit card numbers — this data is processed directly by authorised payment providers;
- KYC Documents: A copy of your Malaysian identity card (MyKad), passport or other identity verification document that you submit;
- Communications: Any messages, enquiries or feedback you send to the freekredit support team via live chat, email or WhatsApp.
Automatically Collected Data:
- Log & Technical Data: IP address, device type, operating system, web browser type, pages visited, visit timestamps, and session log data;
- Gaming Activity Data: Betting history, game types played (slots, live casino, table games, Sports Betting), bet sizes and game outcomes;
- Transaction Data: Records of all deposits and withdrawals including date, time, amount (in MYR) and payment method used;
- Cookie Data: Information collected through cookies and similar tracking technologies (see Section 9 for further details).
Sensitive Data: FreeKredit does not collect sensitive data such as health information, religious beliefs, political opinions, or trade union membership, unless specifically required for legal compliance and with your explicit consent.
3How FreeKredit Collects Your Personal Data
Your personal data is collected through several key channels in the course of your interactions with the freekredit platform:
Registration Form
KYC Process
Platform Activity
Secure Storage
- During Account Registration: You provide your name, Malaysian phone number, email address, and password when registering a new freekredit account;
- During the KYC Process: To verify your identity prior to withdrawals or when certain transaction limits are reached, you will be required to submit a copy of your identity document and proof of address;
- During Financial Transactions: Every deposit made via TNG, DuitNow, GrabPay, Boost, ShopeePay, or FPX (Maybank2u, CIMB Clicks) records the relevant transaction details;
- While Using the Platform: Your activity, including games played, bets placed and session durations, is recorded automatically;
- Via Cookies & Similar Technologies: Functional and analytics cookies collect data on how you use the platform for improvement purposes;
- When Contacting Support: When you contact the freekredit support team, conversations may be recorded for training and quality improvement purposes;
- From Third-Party Sources: In certain cases, freekredit may receive information from payment providers or identity verification bodies for fraud prevention purposes.
4How Your Personal Data Is Used
FreeKredit uses the personal data collected for the following purposes, all of which are directly related to the platform's operations and the services you request:
- Account Management: Creating, verifying and maintaining your freekredit account, including the login process, password recovery and profile updates;
- Transaction Processing: Processing deposits (via TNG, DuitNow, GrabPay, Boost, ShopeePay, Maybank2u, CIMB Clicks and other available methods) and withdrawals to your account in MYR;
- Service Delivery: Enables you to access and use all freekredit games and services, including live casino, slots, table games, sports betting for Malaysia Super League/EPL/BWF badminton, and e-sports;
- Customer Support: Processing inquiries, complaints, and support requests you submit to the freekredit support team;
- Security & Fraud Prevention: Identifying and preventing fraud, money laundering, account abuse, and violations of freekredit's Terms & Conditions;
- Legal Compliance: Fulfil legal compliance obligations, including AML (Anti-Money Laundering) and KYC requirements, as well as reporting to the relevant regulatory authorities;
- Platform Improvements: Analyse usage patterns to improve the user experience, introduce new features, and resolve technical issues;
- Service Communications: Sending important notifications relating to your account, transactions, policy updates and security information;
- Marketing (with Consent): If you have given your consent, we will send you information on freekredit promotions, bonuses, and the latest offers. You may withdraw this consent at any time.
Minimisation Principle: FreeKredit uses your data solely for the purposes stated above. We do not use your gaming activity data to build psychological profiles or make automated decisions that materially affect you without human review.
5Data Sharing with Third Parties
FreeKredit does not sell, rent, or disclose your personal data to third parties for their own marketing or commercial purposes. However, in the course of operating the platform, your data may be shared with the following categories of third parties under limited and controlled circumstances:
- Payment Service Providers: Providers such as Touch 'n Go, DuitNow, GrabPay, Boost, ShopeePay, and Malaysian banks (via FPX) receive the transaction data necessary to process your payments. These providers have their own privacy policies and are subject to Bank Negara Malaysia regulations;
- Game Providers: Gaming companies such as Evolution Gaming, Playtech, Pragmatic Play and others receive only the minimum session data required to deliver the games to you. They do not receive your full identity information;
- Identity Verification Services: Third-party KYC providers may be used to verify your identity in accordance with compliance requirements;
- Cloud Services & Infrastructure: Cloud service providers used to host the freekredit platform are bound by strict data processing agreements;
- Regulatory Body & Law Enforcement: FreeKredit will disclose data to the relevant authorities when required to do so by law, court order, or other lawful directive.
Contractual Guarantee: All third parties that receive personal data of freekredit members are bound by strict confidentiality and data protection agreements. They may only use such data for purposes specified by freekredit.
6Security & Data Protection
FreeKredit continually invests in the latest data security infrastructure and practices to protect our members' personal information. Security measures in place include:
- Data Encryption in Transit: All communications between your browser/app and freekredit's servers are protected by TLS (Transport Layer Security) using AES-256-bit encryption — the same standard used in Malaysian online banking systems;
- Data Encryption at Rest: Sensitive data stored on freekredit's servers is encrypted using strong encryption algorithms. Passwords are never stored in plain text — they are hashed using a method that cannot be decrypted;
- Access Controls: Access to members' personal data within freekredit's internal systems is restricted to staff who genuinely require it to perform their duties, enforced through role-based access controls (RBAC);
- 24/7 Security Monitoring: freekredit's security systems are continuously monitored to detect and respond to any cyber threats or intrusion attempts;
- Regular Security Testing: Penetration testing and security audits are conducted periodically by independent third-party security experts;
- Two-Factor Authentication (2FA): Available and recommended for all freekredit member accounts as an added layer of security.
While we take all reasonable steps to protect your data, no security system is 100% foolproof. In the event of a data breach that affects you, freekredit is committed to notifying you within a reasonable timeframe upon becoming aware of the incident.
7Data Retention Period
FreeKredit retains your personal data for as long as it is needed for the purposes outlined in this policy, or as required by law. The following are general data retention guidelines:
| Data Type |
Retention Period |
Reason |
| Active account data | For the duration of the active account | Continuous platform operations |
| Financial transaction records | 7 years after the transaction | AML compliance & Malaysia tax laws |
| KYC Documents | 5 years after account closure | Anti-money laundering compliance |
| Gaming activity logs | 3 years | Dispute resolution & audit |
| Support communication records | 2 years | Quality improvement & historical reference |
| Analytics cookie data | 13 months | Platform usage pattern analysis |
| Post-account closure data upon request | Deleted within 90 days (unless retention is required by law) | Member data deletion rights |
Once the applicable retention period has elapsed, your personal data will be securely deleted or anonymised so that it can no longer be linked to you personally.
8Your Rights as a FreeKredit Member
Under Malaysia's Personal Data Protection Act 2010 (PDPA) and freekredit's privacy policy, you have the following rights regarding your personal data:
Right of Access
You have the right to know what personal data freekredit holds about you and to request a copy at any time.
Right to Rectification
If your data is inaccurate or out of date, you have the right to request that freekredit correct or update it.
Right to Erasure
You may request the deletion of your personal data, subject to any legal retention obligations applicable to freekredit.
Right to Object
You may object to the processing of your data for marketing purposes or in circumstances where processing is no longer necessary.
Data Portability Rights
You may request the data you have provided to freekredit in a machine-readable format for transfer to another service.
Right to Withdraw Consent
Where data processing is based on your consent, you may withdraw that consent at any time without affecting prior activity.
How to Exercise Your Rights: To submit any request relating to your privacy rights, contact freekredit's Data Privacy Officer by email at privacy@freekredit.im or via 24/7 live chat. We will respond within 30 calendar days from the date the request is received.
9Cookies & Tracking Technologies
The freekredit platform uses cookies and similar tracking technologies to enhance the user experience and analyse usage patterns. Cookies are small text files stored on your device when you visit our website.
Freekredit uses several types of cookies:
- Essential Cookies (Required): Required for core platform functions such as login session authentication, security, and the ability to place bets. These cookies cannot be disabled as they are essential to platform operations;
- Preference Cookies: Saving your preferences such as selected language and display settings to ensure a consistent experience each time you visit freekredit;
- Analytics Cookies: Collecting information on how you use the platform (pages visited, time spent, navigation paths) to help us understand and improve the user experience. This data is collected in aggregate form and does not personally identify you;
- Security Cookies: Helping to identify and prevent fraudulent activity, and to safeguard the integrity of your gaming sessions.
You can manage or delete cookies through your web browser settings. However, disabling essential cookies may affect the functionality of the freekredit platform. For guidance on managing cookies in popular browsers, please refer to your browser's documentation.
A Note on Tracking Pixels: FreeKredit does not use third-party tracking pixels from advertising networks to track your activity on other websites. Our analytics focus solely on usage of the freekredit platform itself.
10Contact Us – Privacy-Related Enquiries
If you have any questions, concerns, or requests relating to this Privacy Policy or how freekredit handles your personal data, please contact us through the following channels:
Privacy Email
privacy@freekredit.im
Response within 48 hours
24/7 Live Chat
Available on the platform
Response time < 3 minutes
General Support Email
support@freekredit.im
Response within 24 hours
For formal requests regarding your privacy rights under PDPA, please submit a written request to the privacy email above, stating:
- Your full name and freekredit account number;
- Type of request (access, rectification, deletion, objection, or other);
- Specific details regarding the data in question;
- A copy of identity verification documents for verification purposes.
Response Time: FreeKredit is committed to addressing all privacy-related requests within 30 calendar days from the date a complete request is received. For complex requests, we may require additional time and will notify you if a delay is anticipated.