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Business Principles
 
The Bureau's business and operations are guided by five core principles:



Reciprocity
Reciprocity refers to the principle of reciprocal data sharing amongst its members. The members are required to contribute data to gain access to credit information and ratings. Based on The Bureau's Subscription Agreement, Code of Conduct and Compliance Guideline, members are required to submit regular updates of their trade credit data as a prerequisite to access information in our database.

Responsibility
Responsibility refers to the regulations governing The Bureau and its members in providing and accessing information. The Bureau and its members have to comply with the guidelines that administer system accessibility and the usage of information. The Bureau members must ensure that their enquiry for information is for a relevant purpose and obtain the necessary consent from the subject/s of enquiry. To monitor the established control procedures for user access and information security, the Bureau maintains logs of all usages, accesses and amendments through detailed system audit trails.

Integrity
Integrity refers to The Bureau's commitment towards the provision of comprehensive, reliable and credible information to our members and customers. The sources of our data are from recognized statutory bodies such as Bank Negara Malaysia (BNM)'s Central Credit Reference Information System (CCRIS) and DCHEQS (Dishonoured Cheque Information System) and the Suruhanjaya Syarikat Malaysia (SSM) to ensure the integrity of its data and operations. Integrity is further assured as The Bureau has a direct 'system to system' link with BNM and SSM to protect the reliability of information by minimizing human intervention and human error. In addition, The Bureau has a data integrity team whose function is to pro-actively monitor and validate data accuracy and periodic updates. Dispute management processes are also in place to ensure prompt action is taken to rectify confirmed errors or inaccuracies, in the unlikely event it occurs.

Confidentiality
Confidentiality refers to the strict guidelines which governs the information access provided to members and its users. All information disclosed in The Bureau's report is treated with the strictest level of privacy and confidentiality. In addition, the identities of information sources are not disclosed to ensure that confidentiality of all our data sources are protected. The Bureau has also imposed extensive audit and monitoring processes to ensure access by members is for credit evaluation and other relevant purposes. This also prevents our information from being manipulated and used for unauthorized purposes, for example, database marketing.

Efficiency
Efficiency refers to the efficient delivery of The Bureau's products and services, which is enabled by proven technology, people and processes. The system is user friendly, highly secured and available 24/7, and is backed by "best-in-class" business recovery systems to assure optimal availability. Through knowledge transfer from Dun & Bradstreet (D&B), The Bureau incorporates global best practices from other efficiently managed bureaus worldwide into our business processes and operations.
 
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