Effective Date: 1st September 2025

At Secure Pays, safeguarding your privacy and ensuring the security of your data is our top priority. This Privacy Policy outlines how we collect, use, disclose, and protect your personal information when you engage with our products and services.

1. Scope of Policy
This Privacy Policy applies to all users of Secure Pays’ services, including merchants, customers, and partners. By using our services, you consent to the practices described in this policy.

2. Information We Collect
We may collect and process the following categories of information:
– Personal Information: Full name, contact details, identification documents, and billing information.
– Financial Information: Bank account numbers, credit/debit card details, e-wallet identifiers, and transaction records.
– Business Information: Company name, registration details, and related documents required for compliance.
– Technical Information: IP address, device identifiers, browser type, operating system, and platform usage data.
– Transactional Data: Payment collections, disbursements, invoices, and account activity linked to our services.

3. Purpose of Processing
Your information is collected and used to:
– Facilitate secure payment collections and disbursements.
– Authenticate identity and meet legal or regulatory obligations (e.g., AML/CFT compliance).
– Provide customer service, operational support, and service updates.
– Enhance platform performance, security, and user experience.
– Detect, prevent, and investigate fraud or unauthorized activities.
– Carry out analytics, research, and product improvements.

4. Data Disclosure
Secure Pays does not sell or trade your data. Information may only be shared with:
– Financial Institutions and Payment Partners for transaction processing.
– Regulatory and Government Authorities when required by law or lawful request.
– Authorized Service Providers who support our operations (e.g., IT, fraud prevention, hosting services).

All third parties are contractually obligated to safeguard your data in accordance with applicable laws.

5. Data Security
We apply bank-grade security standards, including encryption, firewalls, and strict access controls, to protect your information. While no system is entirely immune, we continuously monitor and upgrade our systems to minimize risks.

6. Data Retention
We retain personal and transactional information only as long as necessary to meet legal, regulatory, and business requirements. Once retention periods expire, data will be securely deleted or anonymized.

7. Your Rights
As a user, you are entitled to:
– Request access to personal data we hold about you.
– Rectify inaccurate or incomplete information.
– Withdraw consent for processing (where applicable).
– Request deletion of your data, subject to compliance with regulatory requirements.

Requests may be submitted via our official contact channels.

8. Cookies & Tracking Technologies
Secure Pays uses cookies and tracking tools to improve service performance and enhance user experience. You may disable cookies through your browser settings, though certain features may be limited.

9. International Data Transfers
Where data is processed or stored outside Malaysia, Secure Pays ensures appropriate safeguards are in place to maintain equivalent levels of data protection in accordance with applicable laws.

10. Changes to Policy
This Privacy Policy may be updated periodically to reflect changes in regulations, business practices, or technology. Updates will be published on our website, and continued use of our services constitutes acceptance of the revised policy.

11. Contact Us
For questions or concerns regarding this Privacy Policy, please contact us.