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T&C - Consent For Disclosure

CTOS may provide credit reports to parties for legitimate interests like credit evaluation, review, and debt recovery with consent. Consent is effective until the transaction's interests are fulfilled. Consent can be given through biometric verification, SMS, mobile app, or online. CTOS may withhold reports if deemed inaccurate, outdated, incomplete, irrelevant or misleading. The English version prevails if any ambiguities arise in document interpretation.

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40 views2 pages

T&C - Consent For Disclosure

CTOS may provide credit reports to parties for legitimate interests like credit evaluation, review, and debt recovery with consent. Consent is effective until the transaction's interests are fulfilled. Consent can be given through biometric verification, SMS, mobile app, or online. CTOS may withhold reports if deemed inaccurate, outdated, incomplete, irrelevant or misleading. The English version prevails if any ambiguities arise in document interpretation.

Uploaded by

lamar
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
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Download as PDF, TXT or read online on Scribd
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Terms & Conditions: Consent for Disclosure of CTOS Report

The agreed terms below shall be effective upon the enforcement of the Credit Reporting Agencies Act
2010.

With my/our consent, CTOS may provide my/our report/s to the party and/or their legal representatives
for the purposes of enabling processing of a transaction and any related processes arising therefrom -
including but not limited to credit evaluation, credit review and debt recovery (hereinafter referred to as
'legitimate interests') with the party. The consent is effective until the interests of both parties in the
transaction is completely discharged or fulfilled.

Where my/our loan or credit application is to be processed or further processed by a credit provider's
head office, regional office or processing centre located outside Malaysia, I/We hereby give our consent
to CTOS to make disclosure of my/our CTOS report to such location/s outside Malaysia.

The declaration by a party of a legitimate interest to request for my/our report with my/our consent for
disclosure shall be sufficient and adequate proof of a valid purpose within the meaning of the Credit
Reporting Agencies Act 2010.

My/our consent to CTOS maybe communicated by any of the following means, namely biometric
verification, SMS, Smart Phone mobile application, on-line submission via the CTOS website
(http://ctosid.ctos.com.my) or a consent authorisation form.

Notwithstanding the consent given, I/we agree that CTOS may withhold the release of my/our reports, if
it deems the report maybe inaccurate, not up-to-date, incomplete, irrelevant or misleading.

Important Note: In the event of ambiguities, conflicts or possible variations in interpretation between the English version and
other languages of this document, agreement, website or brochure, etc the English version shall always prevail.

Terma & Syarat : Kebenaran Untuk Memaparkan Laporan CTOS

Terma dan syarat yang telah dipersetujui seperti berikut akan berkuatkuasa semasa penguatkuasaan
Akta Pelaporan Kredit 2010.

Dengan persetujuan saya/kami, CTOS akan memberikan laporan saya/kami pada pihak dan/atau wakil
sah mereka bagi tujuan membolehkan pemprosesan sesuatu transaksi dan mana-mana proses
berkenaan selepas itu; tidak terhad kepada penilaian kredit, ulasan kredit dan hutang permulihan (akan
dirujuk sebagai 'kepentingan sah' selepas ini) bersama dengan pihak berkanaan. Persetujuan ini akan
berkuatkuasa sehingga kepentingan kedua-dua pihak dalam transaksi tersebut telah dilepaskan atau
dilengkapkan dengan sepenuhnya.

Sekiranya pinjaman atau permohonan kredit saya/kami akan diproses atau diproses selanjutnya oleh ibu
pejabat pembekal kredit, pejabat serantau atau pusat pemprosesan yang terletak di luar kawasan
Malaysia, saya/kami dengan ini memberi persejutuan kepada CTOS untuk memaparkan laporan CTOS
saya/kami di luar kawasan Malaysia.
Pengisytiharan oleh pihak kepentingan sah untuk meminta/memohon laporan saya/kami dengan
persetujuan saya/kami atas pemaparan tersebut harus menjadi bukti mencukupi dan memadai untuk
tujuan sah di antara makna Akta Pelaporan Kredit 2010.

Kebenaran saya/kami yang diberikan kepada CTOS akan berkomunikasi dengan mana-mana kaedah
seperti berikutnya, iaitu pengesahan biometric, sms, aplikasi telefon pintar, penyerahan on-line melalui
laman web CTOS (http://ctosid.ctos.com.my) atau persetujuan borang kebenaran.

Walaupun atas kebenaran yang diberikan, saya/kami bersetuju bahawa CTOS mungkin menahan
pengeluaran laporan saya/kami jika laporan tersebut dianggap tidak tepat, tidak terkini, tidak berkaitan,
atau terdapat unsur pengeliruan.

Notis Penting: Versi Bahasa Inggeris akan digunakan sekiranya menghadapi sebarang kekeliruan, konflik atau kemungkinan
variasi antara Bahasa Inggeris dengan bahasa-bahasa lain pada masa menafsirkan dokumen ini atau kontrak, laman web dan
sebagainya.

--- End / Tamat ---

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