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Step 1 of 3 · Account created ✓

One last step — verify your identity

Bolehlah uses your NRIC to link every loan you have, across every lender.

This unlocks B, your credit concierge · Bolehlah Points as you go.

Your NRIC is encrypted at rest. Only you — and authorised staff with a logged reason — can see it in full; it is masked everywhere else. We use a one-way hash to dedupe across lenders.

or enter manually

New format (12 digits) or old (1 letter + 7 digits) both work.

Pre-filling here saves a step on the next screen.

Invited by a friend? Enter their code so they get credited.

Where did you hear about Bolehlah? (optional)

Tap one if you like — it helps us reach more people like you.

Your consents

A few things we need your agreement on to run your account, plus some optional ones you control.

Referrals & Rewards — your agreement

By continuing, you agree to the above.

  1. You may invite friends. You can share your personal referral code/link with people you know. Joining the referral program is free, voluntary, and you can stop any time.
  2. You share only your code — never a friend's details. Your friend signs up themselves and gives us their own information directly. You will not submit anyone else's personal data to us, and you'll only share your code with people you reasonably believe are happy to be told about Bolehlah.
  3. How a reward is earned. Where a reward is offered, it is paid only if a person you referred takes out a loan that is actually disbursed — never for a sign-up, a lead, an application, or an approval that isn't drawn down. The reward is a capped, discretionary reward-for-result paid by Lunar Flame Sdn Bhd from its own income. It is not a charge to you or to your friend, and it may be withheld or reversed (clawed back) for fraud, abuse, self-referral, or early default.
  4. Cash rewards apply to KOPERASI loans only. A cash reward can only ever be paid where the friend's loan is disbursed by a co-operative (koperasi). By Malaysian law (Moneylenders Act 1951 s.27A), nobody may receive any payment — directly or indirectly — for introducing a borrower to a licensed money-lender; that prohibition binds you too. So for a money-lender loan you may earn only non-cash recognition (points/status), never cash. Any cash always comes from Lunar Flame's own income, never passed through from a lender.
  5. This is NOT a multi-level / pyramid scheme. It is single-level: you can earn from people you refer, but not from people they later refer. There is no joining fee, no membership fee, no purchase and nothing to buy to take part or to earn. There is no “downline” and no recruitment income.
  6. You are not our agent. You are not an agent, employee, canvasser, broker, or representative of Lunar Flame. You have no authority to invite borrowing on our behalf, to promise or negotiate loan terms, or to make representations about any loan. You make only genuine, unsolicited personal recommendations, and you will not pressure anyone to borrow or make any false or misleading statement about a loan.
  7. Your friend's loan is decided independently. Whether your friend qualifies, and on what terms and price, is decided only by our normal checks (identity/eKYC, credit and affordability). A referral does not change their eligibility, their terms, or their cost of credit — it is the same with or without a referral.
  8. Your data. We process your identity, your referral attribution, and any reward/wallet and tax information to run the program, under our Privacy Notice (which explains purposes, recipients, retention, your rights of access/correction/withdrawal, and how to reach our Data Protection Officer). You can withdraw from the program at any time.
  9. Rules can change / availability. Reward amounts, caps, and the program itself may change or be paused, and rewards are offered only where permitted by law in your jurisdiction.

By continuing you agree to Bolehlah's terms & privacy.