These Terms of Use govern your use of the 96 Century website. By using this website, you agree to them. If you do not agree, please do not use the website.
Ninety Six Century Group (M) Sdn. Bhd. (SSM No. 201601018500) operates under the 96 Century brand. Our recorded moneylender licence number is WL5861/10/01-10/161126.
1. Information and initial enquiries only
This website provides general information and an initial enquiry channel only. Nothing on it is an offer to lend, a promise of approval, a recommendation or a binding loan agreement.
An enquiry, WhatsApp message or telephone conversation does not create a borrower-lender relationship, guarantee an outcome or oblige either party to proceed. Any facility is subject to assessment, applicable legal and regulatory requirements and a final written agreement where approved.
2. No online loan transaction
This website does not accept online loan applications, make lending decisions online or conclude loan agreements online. Do not treat a website message, calculator result or preliminary conversation as an approval or contract.
3. Rates, examples and product information
Any rate, tenure, repayment or product information is general and may change. The website states maximum flat per-annum rates of up to 18% for unsecured loans and up to 12% for secured loans. These are not an annual percentage rate (APR), quotation or promise that a particular rate, amount or tenure will be available to you.
- Repayment examples and the commitments worksheet are illustrations only, not financial advice, a quote, approval or a complete affordability assessment.
- Actual amounts, repayments, fees, charges and terms depend on assessment, legal requirements and the final written agreement.
- Read all written documents carefully and ask questions before signing any agreement.
4. Your responsibilities
- provide accurate information that belongs to you or that you are authorised to provide;
- use the website lawfully and do not interfere with its security, availability or operation;
- do not send passwords, PINs, OTPs, online-banking login details or payment-card security codes;
- use only official contact details published on this website and remain alert to impersonation or fraud; and
- seek independent professional advice where you need legal, financial, tax, debt-management or other specialist advice.
5. Not professional advice
Website content is general information. It does not take account of your objectives, financial situation or needs, and is not financial, legal, tax, accounting, credit-repair or debt-management advice. Consider independent advice before making a financial decision.
6. External links
Links to WhatsApp, government websites, credit-information resources or other third-party services are for convenience. We do not control those services and are not responsible for their content, availability, security, privacy practices or terms. Use of a third-party service is subject to its own terms and privacy notice.
7. Intellectual property
Unless stated otherwise, website text, design, logos, photographs, graphics and other content are owned by or licensed to us and protected by applicable intellectual-property laws. You may view and print material for personal, non-commercial use only. Do not reproduce, alter, distribute or use our content or branding without written permission, except where law permits.
8. Availability, accuracy and liability
We aim to keep website information accurate and available, but do not guarantee that it will always be complete, current, error-free, secure or uninterrupted. We may update, suspend or remove content or functionality at any time. To the extent permitted by law, we are not liable for loss arising from use of, inability to use, or reliance on the website’s general information. Nothing excludes a right, remedy, guarantee or liability that cannot lawfully be excluded or limited.
9. Privacy, changes and governing law
Our handling of personal data is described in our Privacy Notice. We may update these Terms of Use; the published version is current from the effective date above. These Terms of Use are governed by the laws of Malaysia, and the courts of Malaysia have jurisdiction, subject to mandatory law.
10. Contact us
For questions about these Terms of Use or the website, contact us through our official telephone or WhatsApp channel, email support@perkhidmatankreditkomuniti.com, or write to 3-G, Jalan Aman Sinaria 1, Bandar Tropicana Aman, 42500 Telok Panglima Garang, Selangor.