Privacy Policy

This Personal Data Protection Policy (hereby referred to as the “Privacy Policy”) was created in conjunction with the Malaysian Personal Data Protection Act 2010. The Privacy Policy explains how Wakalu Sdn. Bhd., its affiliates, and its subsidiaries use your personal data and this Privacy Policy applies to anyone who downloads, uses, installs or accesses any part of the mobile application software (App), the website maintained at www.wakalu.com (Site) or other online services or any of our described activities that we own or control and all associated products and features that we may offer from time to time (collectively, the Service). For terms that govern the use of the Service, please review the Terms of Service.

By using the Service, you acknowledge that you have read and agreed to the terms of this Privacy Policy. If you do not want your personal data handled as described in this Privacy Policy, please do not provide us with your personal data or interact with the Service. If you choose not to provide the necessary personal data to us, we may not be able to provide you with the Service or allow you to set up an account.

We will take reasonable efforts to protect your personal data that is in our possession or our control by making reasonable security arrangements to prevent unauthorised access, collection, use, disclosure, copying, modification, disposal or similar risks. However, we cannot completely guarantee the security of any personal data we may have collected from or about you.

We may modify this Privacy Policy at any time. You are deemed to agree and consent to any changes in this Privacy Policy by way of your continued use of the Service.

 

Types of Information We Collect

We may collect, and you hereby consent to such collection of, the following categories of personal data from and about you:

  1. Identifiers: such as your name, nationality or ethnic origin, postal addresses, email addresses, account information, social media account handle(s), telephone numbers, or other addresses at which you are able to receive communications.
  2. Demographic information: such as your age, birthdate, and gender.
  3. Employer information: such as your employer, your employer’s postal address, your employer’s email address, your employer’s telephone number, your employer’s fax number, your employer’s social media account handle(s), or other addresses at which your employer is able to receive communications.
  4. Salary information: such as your position, your full-time/part-time status, work permit status (for non-Malaysian employees), monthly salary, the number of days worked per month, your contributions under the Employees Provident Fund Act 1991 (Act 452) (EPF), your contributions under the Employees’ Social Security Act 1969 (Act 4) (SOCSO), your contributions under the Employment Insurance System Act 2017 (Act 800) (EIS), any Potongan Cukai Bulanan (PCB) deductions, any zakat deductions, any prior advances under section 22 of the Employment Act 1955 (Act 265), any employee loans or any other information that may affect your Earned Salary Access entitlement.
  5. Commercial information: such as date of your first use of the App, frequency and amount of Earned Salary Access, frequency of access to the App or Website, frequency of use of the App or Website, browsing time on the App or Website, information collected through your interactions with our native feedback or complaint functionalities, and information about users or employers who refer you or whom you have referred.
  6. Location information: such as information related to your state, district, city, or neighbourhood, and, if you agree, more specific location information that is provided through the GPS functionality on mobile devices used to access the Service.
  7. Financial information: such as information collected from you as needed to process Earned Salary Access payments, payments for advertisements, account creation, employer onboarding, or as provided by you to administer your participation in any Service, such as your bank, your bank account number, and where necessary, your international bank account number (IBAN), your Sort Code, your Swift Code, your IFSC Code, your ABA Routing Transit Number, your Bank State Branch number (BSB), any other bank identifier code (BIC), your payment card number, expiration date, and card verification code (CVC).
  8. Internet and network activity information: such as information about your browsing behaviour, search history, and interactions with websites and advertisements (including the Website) such as data from cookies, pixel tags, and web beacons.
  9. Inferences regarding preferences and other characteristics: such as our assessment of the types of user settings you prefer or a Service you may have an interest in.

 

How Wakalu Collects Information

We may collect personal data about you from a variety of sources, including:

  1. From you: We collect information that you submit to us. For example, when you create an account; submit feedback; register to receive information available through the Service; or interact with us in other ways. We will collect any information you voluntarily provide, and we may also request optional information to support your use of the Service. We also collect any information that you voluntarily enter into any of the available native functionalities within the Service. If you send an e-mail to us, we will collect your e-mail address and the full content of your e-mail, including attached files and other information you choose to provide to us.
  2. From your employer: We may integrate with your employer’s human resources platform to receive information to determine your entitlement to any Earned Salary Access and we may contact your employer directly to validate any employment information or entitlement to any Earned Salary Access.
  3. From your device: When you use the Service, we may collect information about the devices you use to access the Service, including hardware model, operating system and version, Internet Protocol (IP) address, and other unique device identifiers, mobile network information, and information about the device’s interaction with our Service. We also collect information about how you use our Service, including your access times, browser types, and language. This type of data enables us to understand how often individuals use parts of the Service so we can analyse and improve it. To collect this information, we use cookies and web beacons, and other similar technologies. Note that this Privacy Policy does not cover the use of such information by third parties.
  4. Location information: We may collect different types of information about your location, including general information, such as the city, state, district and/or post code associated with your IP address, and, if you agree, more specific location information that is provided through the GPS functionality on mobile devices used to access the Service. We may use such location information to customise the Service, including advertising, that is presented to you. In order to do this, your location information may be passed along to our affiliates, agents, vendors or advertisers. You may be able to disallow our use of certain location data through your device or browser settings.
  5. Social media networks and other third parties: We may obtain information about you or your use of the Service from third party sources, such as our vendors, web hosting providers, analytics providers, or advertisers. You may give us permission to access your information from services offered by third parties, including social media networks. The information we obtain from third party services depends on your account/privacy settings with those third parties and the third parties’ privacy policies. When you access the Service through social media networks and other third-party platforms, you are authorising Wakalu to collect, store, and use such information and content in accordance with this Privacy Policy. Please keep in mind that any information provided to us by a third party may also be subject to that third party’s privacy policy.

 

How Wakalu Uses Information

We may use information collected as described in this Privacy Policy to:

  1. Operate, maintain, and improve the Service and other features, and functionalities related to the Service;
  2. Process your Earned Salary Access;
  3. Manage our everyday business needs, such as administration of the Service, content management, fulfillment, analytics, fraud prevention, and enforcement of our corporate reporting obligations, or our Terms of Service, or to comply with the law;
  4. Disclose or publish the personal data to your employer for the purposes of notifying your employer of any Earned Salary Access and facilitating monthly reimbursements;
  5. Provide you with interest-based advertisements, push notifications, communications, and other goods and services related to the Service, including based on your precise geolocation;

We also may use information collected as described in this Privacy Policy with your consent or as otherwise required or permitted by law.

If you use any features on the Service to send information about the Service to another person, including another user, we will also collect the personal data of that other person to the extent disclosed by you and may contact them using the information you provided us.

 

Contact Us

Please contact us if you have any questions or comments about our privacy practices or this Privacy Policy. You can reach us online at support@wakalu.com