Collection of Personal Information
The information we collect is information that we require to perform our services and offer our products for you.
We may collect, and you hereby consent to such collection of, the following categories of personal data from and about you:
Use of Personal Information
We collect your Data to provide you with the requested services, and to meet your needs and objectives. We may for the purposes below as well as those incidental and associated with any of the below.
Evaluation and processing of application
We may use your personal data to evaluate your application for use of our products and services, as well as to process your application for our products and services. This may include conducting credit checks.
We may use your personal data to establish a relationship between you, Paywatch, the financial institutions and/or companies related to or affiliated to us, our service providers and business partners.
Fulfilling of Product/ Service and Transaction Requests
For the overall provision of products and services to you, primarily but not limited to provision through electronic means. If you request something from Paywatch, for example, a product or service, we may use the information you provide to fulfil your request. Such relevant information will be necessary for us to provide you with such product or service. To help us do this, we may share information with others, for instance, Paywatch's business partners, Paywatch related company and financial institutions involved in fulfilment. In connection with a transaction, we may also contact you as part of our user satisfaction surveys or for market research purposes.
Personalizing your Experience on our Websites
We may use information we collect about you to provide you with a personalized experience on our websites, such as providing you with content in which you may be interested and making navigation on our sites easier.
Marketing & Research
The information you provide to Paywatch, as well as the information we have collected about you indirectly, may be used by Paywatch, your employer and Paywatch business partners for marketing, research, and to jointly develop products and services that may involve the sharing of your data.
Paywatch may extract, disclose and release the information in the possession of Paywatch relating to you with your employer and Paywatch business partners. However, please note that we will only disclose your personal information subject at all times to any laws, regulations, guidelines and/or obligations applicable to Paywatch.
The information that we may disclose for the purposes of research and marketing may include but not limited to the following:
Protect the Rights and Property of Paywatch and Others
We may also use or share your information to protect the rights or property of Paywatch, our business partners, suppliers, clients, or others when we have reasonable grounds to believe that such rights or property have been or could be affected. In addition, we reserve the right to disclose your personal information as required by law and when we believe that disclosure is necessary to protect our rights, or the rights of others, or to comply with a judicial proceeding, court order, or legal process served on our websites.
Debt Collection and other Legal Enforcement
Your data may be used or processed by us, or our service providers for debt collection purposes, and for enforcement or defense of our rights and obligations of other parties to us and/or our affiliates.
It also will allow us to prevent fraud or detect crime or for the purpose of investigation, for audit and risk management
For any proposed or actual merger, sale, transfer or proposed transfer of any part of our interests, assets, obligations, business and/or operations
Your data may be used or processed by us to respond to inquiries or complaints from you and for dispute resolution.
Collection and Use of Non-Personal Information
We also collect non-personal information/data in a form that does not permit direct association with any specific individual. We may collect, use, transfer and disclose non-personal information for any purpose. The following are some examples of non-personal information that we collect and how we may use it:
We may collect information such as occupation, language, postcode, area code, unique device identifier, location and the time zone where the Paywatch products or services are used, so that we can better understand user behaviour and improve our products, services and advertising.
We also may collect information regarding user activities on our websites and app and from our other products and services. This information is aggregated and used to help us provide more useful information to our users and to understand which parts of our websites, products and services are of most interest. Aggregated data is considered nonpersonal information for the purposes of this Privacy Statement.
If we do combine non-personal information with personal information the combined information will be treated as personal information for as long as it remains combined.
Disclosure of Information
Paywatch complies with the data protection laws in Malaysia and takes all reasonable care to prevent any unauthorized access to your personal data. Paywatch and those working for agents or contractors of Paywatch have the responsibility to keep your information confidential and will only use it to offer products and services on behalf of Paywatch.
Data shared will be for the purpose as stated in this privacy statement, or purposes not stated but directly related to the primary purpose of collection.
The classes of third parties that Paywatch may divulge the personal information of its users are as follows:
For the avoidance of doubt, Paywatch shares its users’ personal information with companies who provide services such as information processing, extending credit or financing, managing and enhancing users’ data, providing user service, assessing users’ interest in Paywatch’s products and services, and conducting user research or satisfaction surveys. These companies are obligated to protect your information and may be located wherever Paywatch operates (including those located out of Malaysia, under conditions of confidentiality and similar levels of security).
Information Security and Accuracy
Paywatch takes precautions including administrative, technical, and physical measures to safeguard your personal information against loss, theft, and misuse, as well as against unauthorised access, disclosure, alteration and destruction. Furthermore, we intend to protect your personal information and to maintain its accuracy. Paywatch implements reasonable physical, administrative and technical safeguards to help us protect your personal information from unauthorized access, use and disclosure.
Integrity and Retention of Personal Information
Paywatch makes it easy for you to keep your personal information accurate, complete and up to date. We will only retain your personal data for as long as necessary to fulfil the purpose(s) for which it was collected or to comply with legal, regulatory, and internal requirements. Once your Personal Data is no longer necessary for the Services or Purposes, or we no longer have a legal or business purpose for retaining your Personal Data, we take steps to erase, destroy, anonymise or prevent access or use of such Personal Data for any purpose other than compliance with this Notice , or for purposes of safety, security, fraud prevention and detection, in accordance with the requirements of applicable laws.
Access and Correction to Personal Information
We are committed to ensure that the personal data we hold about you is accurate, complete, not misleading and up-to-date. If there are any changes to your personal data or if you believe that the personal data we have about you is inaccurate, incomplete, misleading or not up-to-date, please contact us so that we may take steps to update your personal data.
You have the right to access your personal data. If you would like to request access to your personal data, please contact us. We may also take steps to verify your identity before fulfilling your request for access to your personal data.
Paywatch reserves the right to decline to process requests:
Access, correction, deletion requests or any enquiries and complaints can be made to:
Paywatch Malaysia Sdn Bhd
(i) online via Paywatch’s website Contact Form https://www.paywatchglobal.com/my/contactUs; or
(ii) by emailing email@example.com
Paywatch will use reasonable efforts to comply with your request to access or correct your personal information within 21 days of receiving your request to change the same and charge the relevant processing fee (if any).
However, choosing not to share your Personal Data with us or withdrawing your consent to our use of it could mean that we are unable to proceed with the provision of the relevant product or services and you may not be able to use such product and services thereafter. After you have chosen to withdraw your consent, we may be able to continue to process your Personal Data to the extent required or otherwise permitted by applicable laws and regulations.
Third-Party Sites and Services
Paywatch Websites, products, applications and services may contain links to third-party websites, products and services. Our products and services may also use or offer products or services from third parties. Information collected by third parties, which may include such things as location data or contact details are governed by their privacy practices. This means, third party internet sites that you can link through Paywatch are not covered by our policy. Therefore, we encourage you to familiarise with those third parties’ sites’ privacy policies before using the links or applications and we urge you to be careful when you enter any personal information online. Paywatch accepts no responsibility or liability for those sites.
Additionally, we may share non-personally identifiable Personal Data with third parties, such as location data, advertising identifiers, or a cryptographic hash of a common account identifier (such as an email address), to facilitate the display of targeted advertising.
Disabling the collection of cookies on our websites
You may deactivate cookies by adjusting your internet browser settings to disable, block or deactivate cookies, by deleting your browsing history and clearing the cache from your internet browser.
Our Commitment to Your Privacy
To make sure your personal information is secure, we communicate our privacy and security guidelines to Paywatch employees and strictly enforce privacy safeguards within the company.
Changes to this Privacy Statement
Please note that we may update this Privacy Notice from time to time. If there are material changes to this Privacy Notice, we will notify you by posting a notice of such changes on our website or by sending you a notification directly. Do periodically review this Privacy Notice to stay informed on how we are protecting your information.
This Privacy Notice was last updated in August 2023
Questions or Concerns
If you have any questions or concerns, you may contact Paywatch at firstname.lastname@example.org