Last updated: February 2026
Welcome to Lumina Fintech. By accessing or using our AI loan platform, website and related services, you agree to be bound by these Terms and Conditions. Please read them carefully.
The personal information you provide will be used solely for loan application assessment and processing. We are committed to strictly complying with the Personal Data Protection Act (PDPA) and relevant regulations from Bank Negara Malaysia (BNM) to protect your privacy rights.
We employ bank-grade encryption technology to protect your data security. Your personal information will be kept strictly confidential and will not be shared with third parties without your consent (except as required by law).
The assessment results provided by this system are for reference only and do not constitute a final loan approval commitment. Actual loan terms, interest rates, and amounts will be determined by the bank based on a complete review process.
Please ensure that all information you provide is true and accurate. False or inaccurate information may result in application rejection and may affect your future credit record.
Applicable loan fees: Personal loan processing fee 5%, Redemption charges 1%, Cash out fee 5%. Actual fees may vary by bank and product, subject to final bank quotation.
After submitting your information, our professional consultants may contact you via phone, WhatsApp, or email to better understand your needs and assist in completing the loan application process.
By clicking "Accept and Continue", you confirm that you have read and agree to all the above terms, and authorize us to use the information you provide for loan application assessment.
For questions about these terms, contact hello@luminafintech.com or visit our Contact。
