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Privacy Policy

Your privacy is important to Moneybay (hereinafter referred to as “Moneybay”, “we” or “us”) and we are committed to protecting the privacy of your information. This Privacy Policy describes how we collect, use, store, share and protect your information with the Moneybay web & mobile application (the “Application”) located at Google-Playstore and Apple App Store and the Moneybay official website, www.Moneybay.co (the “Site”). This Privacy Policy applies when you access or use the Application. This Privacy Policy is part of, and is governed by, the terms and conditions set forth in the MMoneybayTerms of Use located at Link.

By creating a Moneybay account, or by otherwise accessing or using the Application, you expressly consent to our collection, use, disclosure and retention of your information as described in this Privacy Policy and in the Moneybay Terms of Use.

If you purchase or access the Application through a third party service that provides a gateway to the Application, such as Google Play (a “Gateway Service”), you will have a separate, additional account relationship with that Gateway Service and the information you provide to that Gateway Service will be handled in accordance with the privacy practices of the applicable Gateway Service. Gateway Services are not partners or representatives of Moneybay and Moneybay is not responsible for the acts or omissions of a Gateway Service with regard to the collection or use of your information.

We will notify you of changes to this Privacy Policy by posting the amended terms on the Application’s official website at least thirty (30) days before the effective date of the changes. If you do not agree to the new terms, you may terminate your account within the applicable thirty (30) day period by contacting us using the information in Section 16 below, and you will not be bound by the amended terms. Otherwise, the new terms will take effect after thirty (30) days.

  1. Information Collected from You by Moneybay.

    We may collect information that you provide to us in connection with your use of the Application when you choose to log in to the Application through your Social Media Service account, send e-mail messages, forms, or other information to us through the Application. You can use the Application without registering, however, you may not be able to use certain features of the Application.

  2. Information You Share on the Application.

    Some portions of the Application allow you to submit comments, reviews, ratings and other content. This content may be displayed on the Application and may be viewable by other users of the Application. In addition, if you have logged in to the Application through your Social Media Service account, other users of the Application will be able to see your name and your photograph.

  3. Information Automatically Collected Through the Application.

    Moneybay may automatically collect information about you when you use the Application. If you access the Application through a mobile device, we will automatically collect information such as your device ID and geo-location information statistics on screen views, traffic to and from the Application and IP address. If you use the Application through a mobile device and you do not want us to collect your geo-location information you may change your preferences through the “Settings” feature of your mobile device, however, if you set your preferences so that we cannot collect your geo-location information, some of the features of the Application, such as to find currency exchange facilities near you, may not be available to you.

  4. Cookies.

    We may automatically collect information from you when you browse the Site using “cookies”. Cookies are small amounts of data that are stored within your computer’s Internet browser and that are accessed and recorded by the websites that you visit so that they can recognize the same browser navigating online at a later time. (A) Information that may be collected by cookies when you use the Site may include, without limitation: (B) the pages you visit within the Site; (C) the date and time of your visit to the Site; (D) the amount of time you spend using the Site; (E) the Internet Protocol (IP) address used to connect your computer to the Internet; and/or (F) your computer and connection information such as your browser type and version, operating system and platform. You can set your browser to reject cookies or to notify you when you are sent a cookie.

  5. Information Provided to Us by Social Networking Services.

    By logging in to the Application through a third party social networking service, such as Facebook, Google Plus or Twitter, you give us permission to access, store and use any information that you permit the applicable third party social networking service to share with us in accordance with the privacy settings that are applicable to your account with that social networking service. We encourage you to review, and if necessary, adjust, your privacy settings on the applicable social networking service before logging in to the Application through a social networking service. Information that we receive from third party social networking service is stored and used by us in accordance with this Privacy Policy.

  6. Collection of Information by Third Parties.

    If you visit the Site from a third-party websites the third-party websites may give you a unique code, cookie or graphic, which will uniquely identify you. This will only happen if you link directly from a third party website to the Site. Your activities on the Site while this type of code is active may be reported back to the third party website. The presence of a third party navigation bar at the top of a webpage is an indication that the third party website may be able to see your activity on the Site. We may also provide social media features through the Application or the Site that enable you to share information with your social networks and to interact with the Application and the Site on various social media sites. Your use of these features may result in the collection or sharing of information about you by these sites, depending on the feature. We encourage you to review the privacy policies and settings on the social media sites with which you interact to make sure you understand the information that may be collected, used, and shared by those sites.Application and Site may include third-party advertising, links to other websites, and other content from third-party businesses. These third-party websites, businesses, and advertisers, or advertising companies working on their behalf, may use web beacons and cookies to measure the effectiveness of their ads, personalize or optimize advertising content and to track users who click on the links made available through the Application. We do not have access to or control over web beacons or cookies that these third parties may use. We are not responsible for the privacy practices of these third parties and we encourage you to read their privacy policies.third-party advertising companies may provide a mechanism to opt-out of their technology. For more information about the opt out process, you may visit the Network Advertising Initiative website.

  7. Use of Information by Moneybay.

    Moneybay may use information that we collect about you through the Application to: (A) provide access to the Application and to provide you with requested services and customer support and to process and respond to your inquiries; (B) personalize, customize, measure, and improve our services, content, and advertising and otherwise to enhance your experience of the Application; (C) prevent, detect, and investigate potentially prohibited or illegal activities, and enforce the Moneybay Terms of Use; (D) analyze the accuracy, effectiveness, usability, or popularity of the Application; (E) generate and review reports and data about our user base and service usage patterns; (F) compile aggregate data for internal and external business purposes; (G) resolve disputes and troubleshoot problems; (H) contact you with information, including promotional, marketing and advertising information and recommendations that we believe may be of interest to you; (I) provide you with other services requested by you as described when we collect the information; (J) if you use the Application on a mobile device, with your consent, we may send push notifications to your mobile device to provide updates about the Application and other relevant messages. You can manage push notifications from your mobile device’s settings page; and as otherwise stated in this Privacy Policy or the Moneybay Terms of Use.

  8. Moneybay/s Disclosure of Information to Third Parties.

    Moneybay hates spam as much as you do. Moneybay does not sell, rent or lease your information to third parties for any of their marketing purposes.

  9. Our Service Providers:

    We may share your information with third party contractors or service providers who provide certain services to us or on our behalf, such as operating and supporting the Application or otherwise responding to your customer service requests. These service providers will only have access to the information needed to perform these limited functions on our behalf and are required to provide your information with at least the same level of protection and security as we use for the Application.

  10. Companies that Acquire Our Business or Assets.

    If Moneybay becomes involved in a merger, acquisition, sale of assets, securities offering, bankruptcy, reorganization, dissolution, or other transaction or if the ownership of all or substantially all of our business otherwise changes, Moneybay may share or transfer your information to a third party or parties in connection with the applicable transaction.

  11. Our Affiliates:

    We may share some or all of your information with our parent company, subsidiaries and corporate affiliates, joint venturers, or other companies under common control with us. We will require these entities to comply with the terms of this Privacy Policy with regard to their use of your information.

  12. Aggregate Information.

    Moneybay may share information relating to visitors and users of the Application with affiliated or unaffiliated third parties on an aggregate basis. We note that, while this information will not identify you personally, in some instances these third parties may be able to combine this information with other data they have about you, or that they receive from third parties, in a manner that allows them to identify you personally.

  13. Law Enforcement Authorities.

    To the extent permitted by law, we may share your information with law enforcement, governmental agencies, or authorized third parties, in response to a verified request relating to a criminal investigation or alleged illegal activity or any other activity that may expose us, you, or any other Moneybay user to legal liability, or to protect our rights or property, or during emergencies when safety is at risk.

  14. No Spam, Spyware or Spoofing.

    Moneybay and our users do not tolerate spam. To report Moneybay -related spam or spoof emails to us, please forward the email to hello@moneybay.co. You may not use our communication tools to send spam or otherwise send content that would violate the Moneybay Terms of Use.

  15. Security.

    Moneybay takes reasonable measures to protect the information you provide to Moneybay or submit through the Application against loss, theft and unauthorized use, disclosure, or modification. However, we cannot guarantee or warrant the security of any information you transmit to Moneybay or submit through the Application and you do so at your own risk. No Internet or email transmission is ever fully secure or error-free. Email sent to or through the Application may not be secure. You should use caution whenever submitting information online and take special care in deciding what information you send to us via email.

  16. Accessing, Changing and Managing Your Information.

    You may change and update the information you provide through the Application, or change your preferences concerning how we use your information, as follows:

  17. Changing, Updating or Deleting Your Information.

    You may make changes to the user information you have provided in connection with your Moneybay account by by contacting us at hello@moneybay.co. If you choose to terminate your account, you may also request that we delete your information by contacting us at hello@moneybay.co. Following receipt of a request from you, we will take reasonable steps to update, correct or delete your information.

  18. Email Communications.

    You can make changes regarding receiving email communications from us within your Moneybay account. You can also choose not to receive email communications from us by following the “unsubscribe” instructions in any email communication you receive from us.

  19. Security.

    Moneybay takes reasonable measures to protect the information you provide to Moneybay or submit through the Application against loss, theft and unauthorized use, disclosure, or modification. However, we cannot guarantee or warrant the security of any information you transmit to Moneybay or submit through the Application and you do so at your own risk. No Internet or email transmission is ever fully secure or error-free. Email sent to or through the Application may not be secure. You should use caution whenever submitting information online and take special care in deciding what information you send to us via email.

  20. Gateway Services.

    Moneybay does not control the information you provide to Gateway Services. If you want to change your preferences with regard to how an applicable Gateway Service collects or uses your information in connection with the Application, you should review the privacy practices of the applicable Gateway Service and adjust your privacy or other settings directly through the applicable Gateway Service.

  21. No Use by Children.

    Moneybay is not intended for use by children under the age of thirteen (13). We will never knowingly collect information directly from children under the age of thirteen (13) without verifiable parental consent. If you are under the age of thirteen (13), please do not provide us with information of any kind whatsoever. If we become aware that a user is under the age of thirteen (13) and has submitted information to the Application without verifiable parental consent, we will remove his or her information from our files. We encourage parents and guardians to spend time with their children online and to be familiar with the websites they visit. If you have reason to believe that we may have accidentally received information from a child under the age of thirteen (13), please contact us immediately at hello@moneybay.co.

  22. Use of Information Outside of Your Country of Residence.

    If you are located outside of Malaysia and choose to use the Application or provide your information to us, your information will be transferred, processed and stored in Malaysia and Singapore. Malaysia and Singapore privacy laws may not be as protective as those in your jurisdiction. Your agreement to the terms of this Privacy Policy followed by your submission of information in connection with the Application represents your agreement to this practice. If you do not want your information transferred to or processed or stored in Malaysia, you should not use the Application.

  23. Retention of Your Information.

    We retain information for active Moneybay accounts as long as it is necessary and relevant for our operations. In addition, we may retain information from closed accounts to comply with the law, prevent fraud, resolve disputes, troubleshoot problems, assist with any investigation, enforce the Moneybay Terms of Use and take other actions permitted by law. The information we retain about you will be handled in accordance with this Privacy Policy.

  24. Personal Information We Collect.

    Because of the nature of the business and financial transactions carried out by us, it is in order for us to operate in an efficient and effective manner and to provide you the best service possible, we may collect personal information including but not limited to:

    • your contact information, such as your name, address(es), telephone number(s), email address(es), national identification card details, passport details, occupation details, salary range, source of funds and other relevant contact information;
    • information relating to your transaction history with us;
  25. How to Contact Us.

    If you have any questions about the Privacy Policy or our use of the information we collect from you in connection with the Application, you may contact us by email at hello@moneybay.co.