1. Data Yang Kami Kumpul

1. Data We Collect

Bila anda daftar dan guna HutangKu, kami simpan maklumat asas macam nama, emel, dan kata laluan (disulitkan) untuk urus akaun anda. Kami juga simpan rekod hutang, ansuran, dan pembayaran yang anda masukkan sendiri ke dalam app — data ni milik anda sepenuhnya dan cuma boleh diakses melalui akaun anda.

When you sign up and use HutangKu, we store basic info like your name, email, and password (encrypted) to manage your account. We also store the debt, installment, and payment records you enter into the app yourself — this data is entirely yours and only accessible through your account.

2. Macam Mana Kami Guna Data Anda

2. How We Use Your Data

Data anda digunakan semata-mata untuk operasi app — contohnya paparkan senarai hutang anda, hantar notifikasi peringatan bayaran (kalau anda aktifkan), dan proses pembayaran upgrade Pro. Kami tak jual atau kongsi data peribadi anda dengan pihak ketiga untuk tujuan pengiklanan.

Your data is used solely to run the app — for example, to display your debt list, send payment reminder notifications (if enabled), and process Pro upgrade payments. We do not sell or share your personal data with third parties for advertising purposes.

3. Keselamatan Data

3. Data Security

Semua sambungan antara app dan server kami disulitkan melalui HTTPS/SSL. Kata laluan disimpan dalam bentuk hash, bukan teks biasa. Data anda disimpan di server yang berpangkalan di Malaysia.

All connections between the app and our servers are encrypted via HTTPS/SSL. Passwords are stored as hashes, never in plain text. Your data is stored on servers based in Malaysia.

4. Hak Anda

4. Your Rights

• Anda boleh kemas kini nama, emel, atau kata laluan bila-bila masa melalui Tetapan Akaun.
• Anda boleh padam mana-mana rekod hutang atau loan yang anda masukkan sendiri.
• Anda boleh minta padam akaun dan semua data berkaitan dengan menghubungi kami di support@hutangku.com.
• You can update your name, email, or password anytime via Account Settings.
• You can delete any debt or loan record you've entered yourself.
• You can request account and data deletion by contacting us at support@hutangku.com.

5. Terma Penggunaan

5. Terms of Use

HutangKu disediakan sebagai alat bantu peribadi untuk rekod dan jejak hutang anda. Kami tidak bertanggungjawab ke atas ketepatan pengiraan atau keputusan kewangan yang anda buat berdasarkan data dalam app. Anda bertanggungjawab sepenuhnya memastikan data yang dimasukkan adalah tepat.

Akaun Pro tertakluk kepada tempoh langganan bulanan. Bayaran tidak akan dikembalikan (non-refundable) melainkan dinyatakan sebaliknya secara bertulis oleh pihak kami.

HutangKu is provided as a personal tool to record and track your debts. We are not responsible for the accuracy of calculations or financial decisions you make based on data in the app. You are solely responsible for ensuring the data you enter is accurate.

Pro accounts are subject to a monthly subscription period. Payments are non-refundable unless otherwise stated in writing by us.

6. Perubahan Terma

6. Changes to These Terms

Kami boleh kemas kini dasar privasi dan terma ni dari semasa ke semasa. Sebarang perubahan besar akan dimaklumkan melalui emel atau notifikasi dalam app.

We may update this privacy policy and these terms from time to time. Any major changes will be communicated via email or in-app notification.

7. Hubungi Kami

7. Contact Us

Ada soalan pasal privasi atau terma ni? Emel kami di support@hutangku.com.

Have questions about this privacy policy or these terms? Email us at support@hutangku.com.