Last updated: December 1, 2025

Welcome to hellolink.my (the “Site”). This website is owned and operated by Hellolink Network Sdn Bhd (“we,” “us,” or “our”).

By accessing or using our Site, you agree to comply with and be bound by these Terms of Use (“Terms”). If you do not agree to these Terms, please do not use our Site.

1. Services Provided

Hellolink.my provides information and consultation services regarding personal financing, business loans, and debt consolidation products in Malaysia.

• We are not a bank: We act as a marketing and consultancy agency connecting users with licensed financial institutions.
• No Guarantee: While we strive to assist you, the final approval of any loan application rests solely with the respective financial institution or bank. We do not guarantee loan approval.

2. User Eligibility

By using this Site, you represent that:

• You are at least 18 years of age.
• You are a resident of Malaysia.
• Any information you provide to us (via forms, WhatsApp, or email) is accurate, current, and complete.

3. Privacy and Data Protection

Your use of the Site is also governed by our Privacy Policy. By using the Site, you consent to the collection and use of your information as outlined in our Privacy Policy, in compliance with the Personal Data Protection Act 2010 (PDPA) of Malaysia.

4. Intellectual Property

All content on this Site, including text, graphics, logos, and images, is the property of Hellolink Network Sdn Bhd or its content suppliers and is protected by Malaysian and international copyright laws. You may not reproduce, distribute, or create derivative works from this content without our express written permission.

5. Limitation of Liability

To the fullest extent permitted by law:

• Hellolink Network Sdn Bhd shall not be liable for any direct, indirect, incidental, or consequential damages resulting from your use of this Site or services.
• We are not responsible for any errors or delays in the loan processing timeline by third-party banks.
• We are not liable for any third-party websites you may visit via links on our Site.

6. User Conduct

You agree not to:

• Use the Site for any unlawful purpose.
• Submit false or misleading documents or information.
• Attempt to interfere with the proper working of the Site.

7. Changes to Terms

We reserve the right to modify these Terms at any time. Any changes will be effective immediately upon posting on the Site. Your continued use of the Site after changes are posted constitutes your acceptance of the new Terms.

8. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Malaysia. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts of Malaysia.

9. Contact Us

If you have any questions about these Terms, please contact us at: info@hellolink.biz