Plain English. Lawyer-vetted.

Bolehlah is a software platform operated by Lunar Flame Sdn Bhd (Co. No. 1361453-X). It is a digital identity + loan-portfolio dashboard with an AI assistant (“B”) that helps you track your loans and, where you choose, apply to a licensed lender.

We do not lend you money. The actual lender is the licensed money lender (regulated under the Moneylenders Act 1951) or registered koperasi (Cooperative Societies Act 1993) you choose on the platform. Bolehlah is not a lender, a koperasi, a bank, or an e-money issuer, and does not hold borrower funds at any point. Bolehlah is the technology that connects you to a lender; the loan contract is between you and that lender.

These Terms, together with our Privacy Policy, govern your use of Bolehlah. By creating an account or using the platform you agree to them.

To use Bolehlah you must (a) be at least 18 years old; (b) be a Malaysian citizen or permanent resident, or otherwise legally able to enter a loan in Malaysia; and (c) have the legal capacity to agree to these Terms. Bolehlah is intended for use in Malaysia.

You are responsible for the security of your account and your device. Keep your login and any one-time codes private. Tell us promptly at hello@bolehlah.ai if you suspect unauthorised access. You may hold one account; do not impersonate anyone or use someone else's identity.

(a) Provide truthful information — false NRIC, salary, or employment details is fraud and may be reported to the lender and the authorities. (b) Do not apply for a loan on someone else's behalf without their written consent. (c) Do not attempt to defeat, reverse-engineer, scrape, or game the platform, B, or any underwriting model. (d) Do not use Bolehlah for any unlawful purpose, including money laundering or financing prohibited activities. (e) Repay any loan you take per the schedule agreed with the lender.

(a) Verify that the lenders we list are licensed under the Moneylenders Act 1951 or registered under the Cooperative Societies Act 1993 before we connect you to them. (b) Show you the rate, tenure, total repayment, and any fees before you accept a loan, so you can make an informed choice (the lender remains responsible for the disclosures its licence requires under the Moneylenders Act s.16 and the Consumer Protection Act 1999). (c) Never charge you a fee for using Bolehlah itself — borrowers always use the platform free of charge. (d) Protect your personal data per our Privacy Policy and the PDPA.

The lender sets the interest rate and fees for your loan, within the limits the law allows — for a licensed money lender, the interest caps and disclosure rules of the Moneylenders Act 1951; for a koperasi, the rules of the Cooperative Societies Act 1993 and SKM guidance. Bolehlah shows you these terms before you accept, but Bolehlah does not set, guarantee, or vary the rate or fees — that is between you and the lender.

Always read the loan agreement and the cost disclosure before you sign. If a term looks wrong, do not accept — raise it with the lender and, if needed, with us.

B is an AI assistant that helps you understand your options. B is AI and can make mistakes. B is not a registered financial advisor, and B's suggestions are not financial or legal advice. Any lending decision is made by the lender (which may use its own AI Officer, reviewed by people for borderline cases). Always verify offer terms before signing, and do your own checks before acting on anything B says. How B processes your messages is described in our Privacy Policy.

Disbursements come from the lender's account, via the lender's own bank-transfer rails (such as DuitNow or FPX), into yours. Repayments go from your account to the lender's, via ANGKASA salary deduction (where you are eligible) or DuitNow / FPX. Bolehlah does not hold, custody, or move borrower funds at any point, and does not issue electronic money. We are not a payment-services or e-money provider.

Bolehlah, the B assistant, the software, and the Bolehlah name and marks belong to Lunar Flame Sdn Bhd. We grant you a personal, non-exclusive, non-transferable licence to use the platform for its intended purpose. Your own data stays yours; you grant us only the licence needed to operate the service for you, as described in the Privacy Policy.

If you have a problem with a lender, raise it in-app via Members → Messages → Open ticket. We will help mediate within 5 working days. If it is unresolved, you can escalate to the Tribunal for Consumer Claims Malaysia (TTPM) for amounts under RM 50,000, or to the relevant regulator's consumer-protection channel. Bolehlah will provide the records needed for your claim.

We may suspend or close your account if we detect fraud, AML/CFT triggers, or repeated attempts to game the underwriting model. We will tell you the reason where legally permitted, give you a chance to respond, and refund any platform fees (there are none for borrowers). You can close your account any time at Profile → Close account or via our account deletion flow — though some active-loan and verification data must be retained for the period the law requires (see the Privacy Policy).

Bolehlah is provided “as is”. We do not guarantee that you will be approved for any loan, or that any specific loan outcome, rate, or amount will be available — those depend entirely on the lender. We do our best to keep the platform accurate and available, but we do not warrant that it will be uninterrupted or error-free.

Bolehlah's total liability to a borrower is capped at RM 5,000, except where our negligence or our breach of the PDPA caused you direct, demonstrable loss. We are not liable for indirect or consequential losses (such as lost income or reputational damage), or for the acts of a lender. The lender is separately responsible for the loan and its terms. Nothing in these Terms excludes liability that cannot be excluded by Malaysian law.

These Terms are governed by the laws of Malaysia. Disputes are subject to the jurisdiction of the courts of Kuala Lumpur, without prejudice to the consumer-redress channels in section 10 (TTPM and the regulator's consumer-protection unit). Both parties consent to that jurisdiction.

We'll email you at least 14 days before any material change, and post the new effective date here. Continued use after the change takes effect means you accept it. If you don't agree, close your account before the effective date. Last revised: 16 June 2026.