(a) Experian Information Services (Malaysia) Sdn. Bhd. – We share your personal data with Experian Information Services (Malaysia) Sdn. Bhd. ("Experian"), a credit reporting agency regulated under the Credit Reporting Agencies Act 2010, for the purposes of (i) assessing your creditworthiness prior to and during the provision of our lending services, and (ii) verifying your identity through Experian's eKYC services where applicable. For credit assessment purposes, the personal data transmitted to Experian includes your full name, identity card number, date of birth, residential address, and contact details. Experian processes this information to generate a credit report which may include your credit history, outstanding financial obligations, repayment behaviour, and other credit-related data compiled from financial institutions and permitted third-party sources. Where identity verification is conducted through Experian's MyCreditInfo portal, Experian may additionally collect and process your nationality, residential address, a photograph and/or video recording of you, a photograph of your identity document, and biometric data including your facial features, facial contours, skin texture, and geometric and spatial measurements, for the purpose of generating a biometric template and verifying your identity by matching your facial data against your identity document. Experian acts as an independent data controller in respect of the credit information and biometric data it collects and processes. For more information on how Experian processes your personal data and your rights in respect of your credit and personal information, please refer to Experian's Privacy Statement at www.experian.com.my/privacy-statement. (b) CTOS Data Systems Sdn. Bhd. – We share your personal data with CTOS Data Systems Sdn. Bhd. ("CTOS"), Malaysia's leading private credit reporting agency licensed under the Credit Reporting Agencies Act 2010, for the purpose of assessing your creditworthiness prior to and during the provision of our lending services. The personal data transmitted to CTOS for this purpose includes your full name, identity card number, date of birth, residential address, and contact details. CTOS processes this information to generate a credit report and credit score, which may include your credit history, outstanding loan obligations, repayment behaviour, litigation records, bankruptcy status, and trade references compiled from financial institutions, public records, and other permitted sources. For more information on how CTOS processes your personal data and your rights in respect of your credit information, including your right to access and dispute inaccurate records, please refer to CTOS's Privacy Policy at www.ctoscredit.com.my/privacy-statement and your Summary of Rights under the Credit Reporting Agencies Act 2010 at www.ctoscredit.com.my/summary-of-rights. (c) Jumio Corporation – We use Jumio Corporation to perform identity verification and KYC/AML compliance services. When you register for or access our services, we use Jumio to verify your identity. For this purpose, Jumio processes your government-issued identity document (such as a passport, national ID card, or driving licence), a facial image (selfie), and associated metadata. Jumio may process your Sensitive Personal Data, including biometric data derived from your facial image solely for the purpose of confirming that the identity document belongs to you. Data collected through Jumio is processed in accordance with Jumio's Privacy Notice, available at https://www.jumio.com/privacy-center/privacy-notices/online-services-notice/. We have entered into a Data Processing Agreement with Jumio to ensure your data is handled in accordance with applicable privacy laws. (d) SEON Technologies Ltd. – We use SEON to assess fraud risk during account registration and transaction processing. For this purpose, SEON processes your email address, phone number, IP address, and device information. Specifically, SEON provides us with information on how many times these identifiers have been checked in their system and whether they have been flagged as associated with fraudulent activity. Data is processed in accordance with SEON's Privacy Notice, available at https://seon.io/legal-and-security/privacy/. (e) RiskSeal, Inc. – We use RiskSeal to assess credit risk and detect fraudulent applications. For this purpose, RiskSeal analyses publicly available digital signals linked to your email address, phone number, IP address, name, and where applicable, profile photo, across 200+ online platforms. RiskSeal does not access private communications or confidential information. Data is processed in accordance with RiskSeal's privacy policy, available at https://riskseal.io/privacy-policy. (f) MSC Trustgate.com Sdn. Bhd. – We use the services of MSC Trustgate.com Sdn. Bhd. ("Trustgate"), a licensed Certification Authority under the Digital Signature Act 1997 (Act 562), to facilitate the execution of your loan agreement by means of a legally binding digital signature. For the purpose of issuing a digital certificate in your name, Trustgate will process your full name, identity card number, email address, and phone number. No biometric data is collected in connection with this service. Trustgate is required by law to maintain records of issued digital certificates for a minimum period of ten (10) years from the date of the last entry, in accordance with Regulation 22 of the Digital Signature Regulations 1998 (P.U.(A) 359/98). During this period, Trustgate retains the personal data associated with your digital certificate independently of Adacash. For more information on how Trustgate processes your personal data, please refer to Trustgate's Privacy Notice at https://www.msctrustgate.com/privacy-notice-view. (g) We may engage additional or replacement service providers from time to time and this Policy shall apply to such providers.

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