Privacy Policy

Effective Date: August 21, 2026

Last Updated: August 21, 2026

At SettleHutang.com (“we,” “us,” or “our”), accessible from https://settlehutang.com, protecting the privacy and security of our visitors is one of our top priorities. This Privacy Policy outlines the types of information we collect, how we use it, how we protect it, and your rights regarding your personal data in accordance with the Personal Data Protection Act 2010 (PDPA) of Malaysia.

1. Important Guarantee: Financial Calculator Data & Anonymity

Our financial tools (including the Flexi Home Loan, Credit Card Balance Transfer, Car Loan, PTPTN, and All Debts Snowball calculators) are designed with privacy first:

  • No Financial Identifiers Requested: We never ask for, collect, or store sensitive financial identifiers such as your MyKad / NRIC number, bank account numbers, credit card numbers, online banking passwords, or credit bureau login credentials.

  • Client-Side Calculations: All mathematical calculations, interest models, and loan simulations run directly inside your web browser (client-side execution).

  • Local Storage Progress: If you choose to use our “Save Progress to This Browser” feature, your diagnostic figures are saved locally on your own device using your browser’s localStorage engine (e.g., settlehutang_saved_data). This information remains on your local device and is never transmitted to or stored on our servers.

2. Information We Collect

While our core tools operate anonymously, we may collect minimal non-sensitive information in the following ways:

A. Voluntarily Provided Information

  • Contact Forms & Inquiries: If you contact us via email or contact form, we collect your name, email address, and any information provided in your message.

  • Newsletter Subscriptions: If you opt in to receive updates, blog posts, or guides, we collect your email address.

B. Automatically Collected Information (Log Files & Analytics)

Like most standard websites, SettleHutang.com automatically gathers standard system log data, including:

  • IP addresses (anonymized/masked where possible)

  • Browser type and version

  • Operating system

  • Referring/exit pages and timestamp data

  • Clickstream data and page engagement times

3. Cookies and Web Analytics

SettleHutang.com uses standard cookies and web beacons to enhance user experience and analyze site traffic:

  • Essential / Technical Cookies: Required for proper website functionality, page navigation, and caching.

  • Analytics Cookies (e.g., Google Analytics): Helps us understand aggregate visitor behavior, such as popular blog categories or calculator usage frequency. This data is aggregated anonymously and cannot be used to identify individual users.

  • Browser Local Storage: Used solely to save your local calculator states when requested by you.

You can manage, disable, or clear cookies and local storage at any time through your web browser settings. Note that disabling cookies may affect some website layout features.

4. How We Use Your Information

Any information collected is used strictly for legitimate business and educational purposes:

  • To operate, maintain, and improve SettleHutang.com tools and educational content.

  • To analyze visitor trends, traffic sources, and tool usage to optimize website performance.

  • To respond to direct user inquiries, support requests, or feedback.

  • To deliver requested newsletters or guides (only with your explicit consent).

  • To protect SettleHutang.com against malicious activity, cyber attacks, or fraudulent behavior.

5. Third-Party Links & External Resources

SettleHutang.com contains informational links to external government agencies, financial institutions, and regulatory bodies (such as Bank Negara Malaysia, AKPK, myPTPTN, or KWSP).

This Privacy Policy applies solely to SettleHutang.com. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites. We encourage you to review the privacy statements of any external site you visit.

6. Disclosure & Sharing of Information

We do not sell, trade, rent, or lease your personal information to third parties.

We may only disclose information if:

  1. Required by law, legal process, court order, or governmental authorities under Malaysian law.

  2. Necessary to protect the rights, property, or safety of SettleHutang.com, our users, or the public.

  3. Engaging trusted third-party service providers (e.g., web hosting, email delivery) who operate under strict confidentiality agreements to help maintain the site.

7. Data Security

We implement appropriate technical and organizational security measures—including SSL/TLS encryption (HTTPS) across the entire site—to protect against unauthorized access, alteration, disclosure, or destruction of data. However, please note that no method of transmission over the Internet or electronic storage is 100% secure.

8. Your Rights Under Malaysia PDPA 2010

Subject to the Personal Data Protection Act 2010, you have the right to:

  • Access & Rectification: Request access to or correction of any personal data you have voluntarily provided to us (e.g., updating an email subscription address).

  • Withdrawal of Consent: Unsubscribe from mailing lists or withdraw consent for data processing at any time by contacting us or using the “Unsubscribe” link in emails.

  • Data Removal: Request the deletion of any personal communications sent to us.

9. Changes to This Privacy Policy

We reserve the right to update or modify this Privacy Policy at any time. Any changes will be posted on this page with an updated “Last Updated” date. Continued use of SettleHutang.com following any updates signifies your acceptance of the revised policy.

10. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or data handling practices, please reach out to us at: