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Terms of Use
Last updated: 28 October 2025
1. Scope
These Terms of Use govern your access to creditxpress.com.my and our app interfaces (the "Site"). For borrowing and account activities, refer to the Terms of Service.
2. Acceptable Use
Use the Site lawfully and responsibly. Do not compromise security, attempt unauthorised access, scrape or replicate content without consent, or upload unlawful/infringing content.
3. Accounts
You are responsible for your credentials and all activities under your account. Notify us promptly of unauthorised access.
4. Content & IP
The Site and its contents are owned by or licensed to CreditXpress. You are granted a limited, non-exclusive licence to access for personal, non-commercial use.
5. Third-Party Links & Tools
Third-party links/integrations (e.g., payment gateways, e-KYC, credit agencies) are provided for convenience. We are not responsible for their content, availability, or policies.
6. Cookies & Analytics
We use cookies and similar technologies for performance, security, and analytics. See our Privacy Notice for details and choices.
7. No Financial Advice
Site content is general information only and not financial advice. Review your Loan Agreement and assess suitability independently.
8. Disclaimer & Limitation of Liability
The Site is provided "as is" and "as available." We do not warrant error-free or uninterrupted operation. To the extent permitted by law, we exclude liability for indirect or consequential loss (see Terms of Service for service-level terms).
9. Suspension/Termination
We may suspend or terminate access for security, legal, or policy reasons, or for breach of these Terms of Use.
10. Governing Law
Malaysian law governs these Terms of Use. Disputes are subject to Malaysian courts.
11. Contact
opgcapital3@gmail.com (Office hours: 9:00 AM – 5:00 PM, Mon–Fri)