Trusted Lending Solutions for Individuals and Businesses

Saat Dimensi (“we”, “us”, or “our”) respects your privacy and is committed to protecting your personal data. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website and digital asset-backed lending services.

1. Information We Collect

We may collect the following types of personal information from you:

• Identification Data: Name, NRIC/passport number, address, date of birth, contact details.
• Financial Information: Bank account number, income details, loan history.
• Digital Asset Information: Wallet address, transaction records, and blockchain data.
• Technical Data: IP address, browser type, device information, and website usage analytics.

We collect this information directly from you, through our online forms, KYC process, or when you communicate with us.

2. How We Use Your Information

We use your personal data for the following purposes:

• To process your loan applications and verify your identity.
• To conduct AMLA and KYC compliance checks.
• To manage and monitor loan performance and collateral.
• To contact you regarding account updates, repayments, or support.
• To comply with our legal and regulatory obligations.

3. Data Disclosure and Sharing

We may share your data with:

• Custodian and technical partners (e.g., wallet or security providers) for collateral management.
• Compliance vendors for KYC and blockchain analytics.
• Government or regulatory authorities such as KPKT and Bank Negara Malaysia, if required by law.

All third parties handling your data are bound by confidentiality and data-protection obligations equivalent to the PDPA.

4. Data Storage and Retention

Your personal data is stored securely on encrypted servers. We retain your data for at least seven (7) years or as required by law to comply with KPKT and AMLA record-keeping rules. After that, the data will be securely deleted or anonymized.

5. Cross-Border Transfers

Some data (e.g., analytics or custody systems) may be processed outside Malaysia. When this occurs, we ensure equivalent protection standards and contractual safeguards are in place.

6. Your Rights

Under the Personal Data Protection Act 2010 (Amendment 2024), you have the right to:

• Access and request a copy of your personal data.
• Correct any inaccurate or outdated information.
• Withdraw consent for processing (subject to legal and contractual limitations).
• Be notified if a personal-data breach occurs that is likely to cause harm.

To exercise these rights, contact us using the details below.

7. Security Measures

We use physical, technical, and administrative safeguards—including multi-factor authentication, encryption, and access control—to protect your data against loss, misuse, and unauthorized access.

8. Cookies and Analytics

Our website may use cookies or analytics tools to improve your browsing experience. You can disable cookies in your browser settings, but some website features may not function properly.

9. Updates to This Policy

We may update this Privacy Policy from time to time. The latest version will always be published on our website. Continued use of our website or services after updates means you accept the revised terms.

10. Contact Us

If you have any questions or concerns about this Privacy Policy or how we handle your data, please contact:

Saat Dimensi Sdn. Bhd.
Email: [email protected]
Phone: +60 10-270 1678

1. Acceptance of the Terms

By applying for a Saat Dimensi Loan & Bitcoin-Backed Loan (“Loan”), you confirm that you have read, understood, and agree to these Terms (“Terms”). The following documents are incorporated by reference and form part of these Terms:

1. Saat Dimensi Privacy Policy;
2. Saat Dimensi Risk Disclosure Statement;
3. Saat Dimensi Website Disclaimer; and
4. Your executed Loan Agreement and Voluntary Collateral Addendum.

Capitalized terms not defined herein have the meaning given in the Loan Agreement.

2. Provider of Services

The provider of the Bitcoin-backed loan service is Saat Dimensi Sdn. Bhd., a company incorporated in Malaysia and licensed under the Moneylenders Act 1951 (KPKT Licence No.: [insert]). All loans are disbursed in Ringgit Malaysia (MYR) and secured by Bitcoin pledged as collateral.

3. Restricted Availability

The service is not offered in jurisdictions where such digital-asset-backed lending is restricted or unlawful.

4. Description of the Service

The Saat Dimensi service enables borrowers to obtain a MYR loan by pledging Bitcoin as collateral. The borrower transfers Bitcoin (“Collateral”) to Saat Dimensi’s segregated Fireblocks wallet, managed by Cloudtech Group as technical custodian. The collateral is held until the loan is repaid in full, after which it is released back to the borrower.

5. Loan-to-Value (LTV) and Collateral Management

• Initial LTV: 70% of the Bitcoin reference price (in MYR) at the time of disbursement.
• Margin Call: Triggered at 75% LTV — the borrower must top-up collateral or repay part of the loan.
• Liquidation Trigger: 80% LTV — Saat Dimensi may liquidate collateral to cover outstanding obligations.

All valuations are based on reference prices obtained from reputable exchanges at the snapshot time. Liquidation proceeds are applied toward principal, interest, and fees; any surplus is returned to the borrower.

6. Custody & Security

Collateral Bitcoin is stored in segregated, institution-grade wallets under dual authorization. Saat Dimensi uses commercially reasonable measures to safeguard assets but does not guarantee uninterrupted access or immunity from cyber, operational, or blockchain-network risks.

7. Borrower Obligations

By using the service, you agree to:

• Provide truthful and accurate information;
• Ensure that all collateral originates from lawful sources and passes AML screening;
• Repay all outstanding balances when due; and
• Promptly respond to margin calls or compliance requests.

8. Risk Disclosures

You understand and accept that:

• Bitcoin is volatile and may lose value rapidly.
• Collateral may be liquidated if LTV thresholds are breached.
• You may lose all or part of your collateral.
• Saat Dimensi does not guarantee the value or future performance of Bitcoin.

For full details, see the Saat Dimensi Disclaimer Statement available on our website.

9. Disclaimer of Liability

To the maximum extent permitted by Malaysian law, Saat Dimensi and its directors, officers, employees, and service providers shall not be liable for any direct, indirect, or consequential loss arising from:

• Price fluctuations or market volatility;
• Delays or failures in blockchain transactions;
• Actions taken in accordance with AMLA 2001 or KPKT regulations; or
• Unauthorized access resulting from borrower negligence.

Saat Dimensi provides the service “as is” without warranty of uninterrupted operation or future profitability.

10. Indemnification

You agree to indemnify and hold Saat Dimensi harmless against all claims, liabilities, damages, or expenses (including legal fees) arising from your breach of these Terms, misuse of the service, or violation of law.

11. Changes to Service or Terms

Saat Dimensi may amend these Terms to reflect operational, legal, or regulatory changes. Updated Terms will be posted on our official website and take effect upon publication. Continued use of the service after changes constitutes your acceptance of the updated Terms.

12. Disclosure to Authorities

Saat Dimensi may disclose loan or wallet information to Bank Negara Malaysia, KPKT, or law-enforcement agencies as required by AMLA 2001, PDPA 2010 (Amendment 2024), or any applicable regulation.

13. Governing Law & Dispute Resolution

These Terms and all related matters are governed by the laws of Malaysia. Any dispute shall be resolved through good-faith negotiation and, failing that, arbitration at the Asian International Arbitration Centre (AIAC) in Kuala Lumpur. The decision of the arbitral tribunal shall be final and binding.

14. Severability

If any provision of these Terms is found invalid or unenforceable, the remaining provisions shall remain in full force and effect.

15. Entire Agreement

These Terms, together with your Loan Agreement, Risk Disclosure Statement, and Privacy Policy, constitute the entire agreement between you and Saat Dimensi.