The Digital Loan Agreement serves as a legally binding document for financial institutions and digital lenders operating in Malaysia to extend credit through digital channels. This agreement is essential when providing loans through online platforms or mobile applications, where traditional paper-based processes are replaced with digital alternatives. It incorporates provisions for electronic execution under the Digital Signature Act 1997, online disbursement and repayment mechanisms, platform usage terms, and data protection requirements under Malaysian law. The document is designed to protect both lender and borrower interests while ensuring compliance with Malaysian financial regulations, including the Financial Services Act 2013 and relevant Bank Negara Malaysia guidelines. This agreement is particularly relevant for digital banking initiatives, fintech lending platforms, and traditional banks expanding into digital services.
Your data doesn't train Genie's AI
You keep IP ownership聽of your information
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
OR
Let tiktok成人版's market-leading legal AI identify missing terms, unusual language, compliance issues and more - in just seconds.
1. Parties: Identification of the lender and borrower, including registration/ID numbers and addresses
2. Background: Context of the loan agreement and the parties' intention to enter into a digital lending arrangement
3. Definitions: Definitions of key terms used throughout the agreement, including digital and technical terms
4. Loan Details: Principal amount, interest rate, tenure, and repayment terms
5. Disbursement Terms: Conditions for loan disbursement and digital transfer mechanisms
6. Repayment Terms: Payment schedule, methods of digital payment, and early repayment provisions
7. Interest and Fees: Calculation of interest, applicable fees, and charges
8. Digital Platform Terms: Terms governing the use of digital platform for loan management and payments
9. Security Arrangements: Details of any security or guarantee required for the loan
10. Representations and Warranties: Statements of fact and assurances from both parties
11. Events of Default: Circumstances constituting default and consequences
12. Data Protection and Privacy: Handling of personal data and privacy requirements under PDPA
13. Electronic Execution: Provisions for digital signatures and electronic execution
14. Governing Law and Jurisdiction: Malaysian law as governing law and jurisdiction for disputes
1. Insurance Requirements: Required when loan includes mandatory insurance coverage
2. Third-Party Authorization: Used when third-party payment providers or guarantors are involved
3. Special Draw Down Conditions: For loans with multiple disbursement phases or special conditions
4. Automatic Payment Authorization: When direct debit or automatic payment arrangements are available
5. Credit Scoring Disclosure: When automated credit scoring systems are used in loan approval
6. Additional Services: For complementary services like financial advisory or account management
7. Refinancing Options: When refinancing options are offered as part of the loan package
1. Schedule 1 - Loan Calculation Details: Detailed breakdown of interest calculations, fees, and payment schedule
2. Schedule 2 - Digital Platform Usage Terms: Specific terms and conditions for using the digital lending platform
3. Schedule 3 - KYC Requirements: List of required documents and verification procedures
4. Schedule 4 - Privacy Policy: Detailed privacy policy and data handling procedures
5. Schedule 5 - Fee Schedule: Comprehensive list of all applicable fees and charges
6. Appendix A - Digital Transaction Procedures: Step-by-step procedures for digital transactions and payments
7. Appendix B - Contact Information: Contact details for customer service, technical support, and dispute resolution
Relevant legal definitions
Clauses
Relevant Industries
Banking
Financial Services
Financial Technology (Fintech)
Digital Lending
Consumer Finance
Small Business Lending
Peer-to-Peer Lending
Mobile Banking
E-commerce
Technology
Relevant Teams
Legal
Compliance
Digital Banking
Product Development
Risk Management
Information Technology
Operations
Customer Service
Data Protection
Credit Assessment
Digital Solutions
Contract Administration
Relevant Roles
Legal Counsel
Compliance Officer
Digital Banking Manager
Fintech Product Manager
Credit Risk Manager
Digital Transformation Director
IT Security Manager
Financial Services Manager
Lending Operations Manager
Digital Platform Administrator
Contract Manager
Data Protection Officer
Chief Technology Officer
Chief Digital Officer
Risk Assessment Officer
Find the exact document you need
Friendship Loan Agreement
A Malaysian law-compliant agreement formalizing a loan between friends, combining personal trust with legal protection.
find out more
Personal Loan Letter Between Friends
A Malaysian-compliant legal document that formalizes a personal loan agreement between friends, including loan terms and repayment conditions.
find out more
Personal Loan To Company Agreement
A Malaysian law-governed agreement documenting terms and conditions for a personal loan from an individual to a company, including loan amount, interest, repayment terms, and parties' obligations.
find out more
Mortgage Subordination Agreement
A Malaysian law-governed agreement that establishes priority ranking between multiple mortgages over the same property, determining the order of security enforcement and payment rights.
find out more
Loan Agreement Between Two Individuals
A Malaysian law-governed agreement establishing loan terms between two individuals, including principal amount, interest, repayment terms, and default provisions.
find out more
Facility Loan Agreement
A Malaysian law-governed agreement establishing terms and conditions for a lending facility between a financial institution and borrower, incorporating local regulatory requirements and banking practices.
find out more
Inter Lender Agreement
A Malaysian law-governed agreement establishing priorities and relationships between multiple lenders in a financing transaction, including debt ranking, voting rights, and enforcement mechanisms.
find out more
Loan Consent Form
A Malaysian-compliant document recording borrower consent for loan-related modifications or actions, subject to local banking regulations and legal requirements.
find out more
Inter Corporate Loan Agreement
A Malaysian law-governed agreement establishing terms and conditions for a loan between corporate entities, including loan amount, interest rates, and repayment terms.
find out more
Facility Letter Mortgage
A Malaysian law-governed facility letter detailing mortgage terms, conditions, and security arrangements between a financial institution and borrower.
find out more
Employee Laptop Agreement
A Malaysian law-governed agreement setting out terms for company laptop provision to employees, including usage, security, and return conditions.
find out more
Loan Guarantor Agreement Form
A Malaysian law-governed agreement where a Guarantor assumes responsibility for a Borrower's loan obligations to a Lender in case of default.
find out more
Tripartite Loan Agreement
A Malaysian law-governed agreement establishing a three-party lending arrangement, detailing loan terms, security arrangements, and party obligations.
find out more
Loan Out Agreement
A Malaysian-law agreement facilitating the provision of individual services through a loan out company structure.
find out more
International Loan Agreement
Malaysian law-governed agreement establishing terms for cross-border lending between an international lender and Malaysian borrower, incorporating local regulatory requirements and international banking practices.
find out more
Fixed Sum Loan Agreement
A Malaysian law-governed agreement establishing terms for a fixed sum loan, including amount, interest, repayment terms, and security arrangements.
find out more
Deed Of Loan Agreement
A Malaysian law-governed deed documenting a loan arrangement between lender and borrower, including loan terms, conditions, and enforcement provisions.
find out more
Rent Agreement For Personal Loan
A Malaysian law-governed agreement establishing terms and conditions for personal loan arrangements between lenders and borrowers.
find out more
Money Lending Agreement
A Malaysian law-governed agreement establishing terms for money lending between a licensed moneylender and borrower, compliant with the Moneylenders Act 1951.
find out more
Mortgage Agreement
A Malaysian law-governed agreement creating a security interest over property to secure a loan or financing facility, compliant with local property and banking regulations.
find out more
Loan Guarantee Agreement
A Malaysian law agreement where a guarantor commits to fulfill a borrower's loan obligations in case of default.
find out more
Lender And Borrower Agreement
Malaysian law-governed agreement establishing loan terms and conditions between lender and borrower, including financial obligations and regulatory compliance requirements.
find out more
Letter Of Borrowing Money From Company
A formal letter document governed by Malaysian law that establishes the terms and conditions for borrowing money from a company.
find out more
Friends And Family Loan Agreement
A Malaysian law-governed agreement for formalizing loans between friends or family members, including key terms and conditions for lending and repayment.
find out more
Finance Agreement
A Malaysian law-governed agreement establishing terms and conditions for financial facilities between lenders and borrowers, including key financial and security terms.
find out more
Debt Acknowledgement And Repayment Agreement
A Malaysian law-governed agreement that formally acknowledges debt and establishes repayment terms between creditor and debtor.
find out more
Caveat Loan Agreement
A Malaysian law-governed agreement combining loan provisions with property security through a caveat registration system.
find out more
Car Payment Agreement Between Friends
A Malaysian-compliant legal template for structuring car payment arrangements between friends, incorporating essential elements of vehicle sale and financing agreements.
find out more
Car Loan Agreement Between Family
A Malaysian law-governed agreement for car loan arrangements between family members, establishing loan terms and vehicle ownership details while maintaining family relationship considerations.
find out more
Letter Borrowing Money From A Friend
A Malaysian-compliant letter format document for recording and formalizing personal loans between friends, incorporating essential legal elements while maintaining an informal tone.
find out more
Loan On Rent Agreement
A Malaysian law-governed agreement combining loan financing with equipment rental terms, structured as an integrated financial and rental arrangement.
find out more
Simple Repayment Agreement
A Malaysian law-governed agreement establishing loan repayment terms and conditions between lender and borrower.
find out more
Auto Loan Agreement Between Friends
A Malaysian law-governed agreement for private auto lending between friends, establishing loan terms and vehicle security arrangements.
find out more
Amenities Agreement For Home Loan
A Malaysian legal agreement governing property amenities provision and maintenance under home loan arrangements, subject to Malaysian property and financial services laws.
find out more
Joint Loan Agreement
A Malaysian law-governed agreement establishing terms for multiple borrowers to jointly obtain and be liable for a loan facility from a lender.
find out more
Cash Advance Loan Agreement
A Malaysian law-governed agreement setting out terms and conditions for short-term financing between lender and borrower, compliant with local financial regulations.
find out more
Bill Of Sale Loan Agreement
A Malaysian law-governed agreement combining a loan facility with security over assets through a bill of sale arrangement.
find out more
Asset Based Loan Agreement
A Malaysian law-governed agreement establishing terms for a loan secured by specific assets, including security arrangements and regulatory compliance requirements.
find out more
Mortgage Purchase Contract
A Malaysian law-governed agreement combining property purchase terms with mortgage financing arrangements, compliant with local banking and property regulations.
find out more
Guarantor In Loan Agreement
A Malaysian law-governed agreement where a guarantor commits to fulfill a borrower's loan obligations in case of default.
find out more
骋别苍颈别鈥檚 Security Promise
Genie is the safest place to draft. Here鈥檚 how we prioritise your privacy and security.
Your documents are private:
We do not train on your data; 骋别苍颈别鈥檚 AI improves independently
All data stored on Genie is private to your organisation
Your documents are protected:
Your documents are protected by ultra-secure 256-bit encryption
We are ISO27001 certified, so your data is secure
Organizational security:
You retain IP ownership of your documents and their information
You have full control over your data and who gets to see it
.png)