believe in the importance of being able to control who gets what
information. This not only means you want your coworker to have your
work email, and your friend to have your personal phone number, but
it also means there are people who shouldn’t have any of your
We've made several choices in how VBusinessCards is built to ensure only the people you choose to share with getting the details you choose to share.
Please read the following carefully to understand how we will collect, use, and maintain your personal information. It also describes your choices regarding the use, access, and correction of your personal information.
1.1 Information you give us.
You may give us information about you when you sign up to use our service, e.g. when you provide us with personal details like your name and email address. This also includes information you provide through your continued use of our Services and your participation in discussion boards or other social media functions on our Website. The information you give us may include your name, address, email address, phone number, financial information (including credit card, debit card, or bank account information), payment reason, geographical location, social security number, personal description, and photograph.
In some cases, such as when you send or receive high-value or high-volume transactions, or where we need to comply with anti-money laundering regulations, we may also need more commercial or identification information from you.
1.2 Information we collect about you. With regard to your use of our Services, we may automatically collect the following information:
details of the transactions you carry out when using our Services, including the geographic location from which the transaction originates;
technical information, including the Internet protocol (IP) address used to connect your computer to the internet, your login information, browser type, and version, time zone setting, browser plug-in types and versions, operating system, and platform;
information about your visit, including the full Uniform Resource Locators (URL) clickstream to, through, and from our Website or App (including date and time); products you viewed or searched for; page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs), and methods used to browse away from the page and any phone number used to call our customer support number.
1.3 Information we receive from other sources. We may receive information about you if you use any of the other websites we operate or the other services we provide.
the banks you use to transfer money to us will provide us with your basic personal information, such as your name and address, as well as your financial information such as your bank account details;
business partners may provide us with your name and address, as well as financial information, such as card payment information;
advertising networks, analytics providers, and search information providers may provide us with pseudonymized information about you, such as confirming how you found our website;
We process a limited amount of sensitive data when we carry out verification of identity documents that contain biometric data. Where we are relying on the substantial public interest condition in Article 9(2)(g) of the GDPR and condition 14. Preventing fraud in Part 2 of Schedule 1 of the DPA 2018.
Our products and services are directed at adults aged 18 years and over, and not intended for children. We do not knowingly collect data from this age group. Our verification process prevents VBusinessCards from collecting this data. If any data is collected from a child without verification of parental consent, it will be deleted.
4.1 We take the safeguarding of your information very seriously, and take a number of steps to ensure it stays secure:
Communication over the Internet between you and VBusinessCards servers is encrypted using strong asymmetric encryption. This makes it unreadable to anyone who might be listening in.
We update and patch our servers in a timely manner
We run a Responsible Disclosure and bug bounty program to identify any security issues in VBusinessCards services
Our technical security team proactively monitors for abnormal and malicious activity in our servers and services
When the information you’ve given us is not in active use, it is encrypted at rest. This means it’s unreadable from server hard drives without the decryption secret.
5.1 We use your information:
to carry out our obligations relating to your contract with us and to provide you with the information, products, and services;
to comply with any applicable legal and/or regulatory requirements;
to notify you about changes to our Services;
as part of our efforts to keep our Services safe and secure;
to administer our Services and for internal operations, including troubleshooting, data analysis, testing, research, statistical and survey purposes;
to improve our Services and to ensure that they are presented in the most effective manner;
to allow other VBusinessCards customers to request or send money to you through our services when providing matching information for your phone number or email;
to measure or understand the effectiveness of advertising we serve and to deliver relevant advertising to you;
to allow you to participate in interactive features of our Services when you choose to do so;
to provide you with information about other similar goods and services we offer;
to combine information we receive from other sources with the information you give to us and information we collect about you. We may use this information and the combined information for the purposes set out above (depending on the types of information we receive).
6.1 The lawful basis we use for collecting and processing your information in Malaysia (as required by current legislation) is as follows:
Where it is necessary for entering into or performing a contract with you;
Where we have a legitimate interest to do so, provided your rights do not override those interests;
Where you have consented to its uses;
Where our colleagues believe it is in your vital interests to share your personal details;
7.1 We may use some elements of your data to customize our Services and the information we provide to you and to address your needs — such as your country of residence and transaction history. For example, if you frequently send funds from one particular currency to another, we may use this information to inform you of new product updates or features that may be useful for you. When we do this, we take all necessary measures to ensure that your privacy and security are protected — and we only use pseudonymized data wherever possible. This activity has no legal effect on you.
7.2 We may use Automated Decision Making (ADM) to improve your experience or to help fight financial crime. For example, so that we can provide you with fast and efficient service, we may use ADM to verify your identity documents or to confirm the accuracy of the information you have provided to us. None of our ADM processes have a legal effect on you.
8.1 We use small files (known as cookies) to distinguish you from other users and see how you use our site and products while providing you with the best experience. They also enable us to improve our services.
9.1 As a regulated financial institution, Wise is required by law to store some of your personal and transactional data beyond the closure of your account with us. We only access your data internally on a need-to-know basis, and we’ll only access or process it if absolutely necessary.
9.2 We will always delete data that is no longer required by relevant law or jurisdiction in which we operate.
10.1 Subject to applicable laws, you may have the right to access the information we hold about you. Your right of access can be exercised in accordance with the relevant data protection legislation. If you have any questions in relation to our use of your personal information, contact us. Under certain conditions, you may have the right to require us to:
provide you with further details on the use we make of your information;
provide you with a copy of the information that you have provided to us;
update any inaccurate, incorrect, or out of date personal information we hold;
delete any personal information that is no longer necessary, or no longer subject to a legal obligation to which Wise is subject. Wise has legal obligations so it may not be possible to delete your data at the time of the request. Once the required time has passed then we will be able to comply with your request;
where processing is based on consent, to withdraw your consent so that we stop that particular processing;
cease direct marketing to you, by contacting us or adjusting your notification preferences in the settings section of your account;
where we undertake a wholly automated decision making which results in the creation of a legal obligation or a similarly significant impact, you may request that we provide information about the decision-making methodology and ask us to verify that the automated decision has been made correctly. We may reject the request, as permitted by applicable law, including when providing the information would result in a disclosure of a trade secret or would interfere with the prevention or detection of fraud or other crime. However, generally in these circumstances, we will verify that the algorithm and source data are functioning as anticipated without error or bias or if required by law to adjust the processing.
object to any processing based on the legitimate interests ground unless our reasons for undertaking that processing outweigh any prejudice to your data protection rights
restrict how we use your information whilst a complaint is being investigated
10.2 Your exercise of these rights is subject to certain exemptions to safeguard the public interest (e.g. the prevention or detection of crime) and our interests (e.g. the maintenance of legal privilege). If you exercise any of these rights we will check your entitlement and respond in most cases within a month.
12.2 If you feel that we have not addressed your questions or concerns adequately, or you believe that your data protection or privacy rights have been infringed, you can complain to any supervisory authority or other public body with responsibility for enforcing privacy laws