• This Privacy Policy was last updated on March 19, 2019.

  • 1.1
  • This Privacy Policy governs your use of a software application (“App”) on a mobile device that was created by i-SERVE PAYMENT GATEWAY SDN BHD where we view and treat your Personal Data seriously. We have therefore developed a Privacy Policy that guides how we collect, processes, uses, discloses, transfers and stores your Personal Data as part of our records.

  • 1.2
  • This Privacy Policy contains our policies and practices with respect to gathering and using information you provide. This Privacy Policy applies only to information we collected in this App and other electronic communications sent through or in connection with this App. This Privacy Policy does not apply to any information that we collected offline or any other company mobile applications, including, other applications you may access through this App, and/or any information you provide to or is collected by any third party.

  • 1.3
  • Please read this Privacy Policy carefully to understand our policies and practices regarding your information and how we use it as well as how we will treat it. If you do not agree with our policies and practices, please do NOT download, register with or use this App. By downloading, registering with or using this App, you agree to the terms and conditions of this Privacy Policy. We reserve the right to update and amend this Policy from time to time. Your continued use of this App after we make changes is deemed to be an acceptance of those changes, so please check this Privacy Policy periodically for any updates.

  • 1.4
  • We collect information from and about you, as well as users of this App as follows:-

    • directly from you when you provide it to us;
    • automatically when you use this App; and
    • automatically when you visit our website.
  • 2.1
  • When you download, register with or use this App, we may ask you to provide us with personally identifiable information and data from you (“Personal Data”).

  • 2.2
  • Personal Data that we may collect, but is not limited to, information such as your:

    • Full name, National registration identity card number or passport number,
    • Residential/correspondence addresses, zip code or postal code
    • Nationality, date of birth, age, gender, race, religion,
    • Telephone number, email addresses, IP address,
    • Bank account information or payment card details,
    • Any proof of your identity and/or address and any other information which this App collects that is defined as personal or personally identifiable information under the applicable law or any other identifier by which you may be contacted online or offline.
  • 2.3
  • We may also collect other information that you provide to us that can directly or indirectly identify you. If you choose to enable or allow the use of such functionalities, we may ask you to provide the information below:-

    • Email Address

      If you log out and log in from another device, we will send you an email that you have done so. If there were log-in attempts to your account from another device while you are still signed into your current one, we will also notify you via email. We may send you important information about the operation of the App via e-mail to your registered e-mail address.
    • User Generated Content

      You may create your UChat identification name (UChat ID) in your UChat Account and allow your friends to find you through your UChat ID. In addition, you may choose to set your profile information (eg. UChat ID, “display name”, profile picture, status message and etc). You are responsible to the profile information and user-generated content you share with others in your UChat Account which can be copied, stored, or disseminated by the recipients and potentially accessed by unintended third party recipients due to the nature of digital data. We encourage you to be very attentive and cautious when you generate and share your personal information or content with others.
    • Contact Phone Numbers in Your Address Book

      We will access the phone numbers in your mobile device’s address book, and enable you to add friends in the App who have consented to being found via their phone number. Once you have added a friend in the App, you can call them or send them messages over the App. We will access only the phone number fields in your mobile device’s address book or contact names or any information from other data fields. If you would like to invite individual friends or contacts to connect with you using the UChat App, you may send them invitations directly via SMS or other messaging services from your mobile device using the address book in your mobile phone and other data fields.
    • Customer Support Information

      If you wish to contact us to seek our customer support, you may provide us with information related to your use of this App, including your name, contact details, such as your email address, phone number and correspondence address. We will use this information to address and investigate the issues you have raised, to provide you support, and to improve our customer support service. We will use this information in connection with the assistance you have requested, the administration of your Account, and retain this information in accordance with the provisions of this Privacy Policy.
    • Device Data

      We may facilitate the sharing of media stored on your device while using UChat. We will access your media data (eg. camera and photos) to collect images and information from your device.
    • Contest Information and Customer Surveys

      If you choose to participate in any contest events or surveys that UChat offers from time to time, we may request certain Personal Information from you (eg. Your full name, correspondence address, phone number, email address, date of birth and etc) in order to confirm your participation eligibility, enable you to fill out questionnaires, and to deliver any prizes you may win, and otherwise administer the event.
    • Pseudonymised and Aggregated Data

      We pseudonymise and aggregate certain Personal Information to improve our Services. We may disclose generic, aggregated (pseudonymized) demographic information, not linked to any specific Data Subject, regarding users to our business partners, trusted affiliates, and suppliers or agents working on our behalf.
    • Payment Information

      If you choose to facilitate your purchases within UChat, we may engage a third party service provider to collect and process your credit, debit or other cards information used by you. We may collect your credit/debit card number, expiry date, CVC, cardholder name. We will use your credit card information to process your purchase within the App. Please note that we will not retain your credit card information beyond the period necessary to facilitate the relevant payment. We may send other Personal Information such as your name, correspondence address and contact details if the third party service provider requests such information from us to improve the payment process. We may also collect details of your bank account (including, but not limited to, account holder, account name, account number).
    • In order to fulfill our legal obligations to prevent fraud and money laundering pursuant to the requirements of the Anti-Money Laundering, Anti-Terrorism Financing and Proceeds of Unlawful Activities Act 2001 (“AMLATFA”), we will obtain information/Personal Data about you from third party agencies, including, your financial history, country court judgements and bankruptcy proceedings, from credit reference and fraud prevention agencies when you use the e-wallet account with us and at any time when we feel it is necessary to prevent fraud and minimise our financial risks.
  • 3.1
  • When you download, access and use this App, we may use technology to automatically collect:-

    • Usage Details

      certain details of your access to and use of this App, including, traffic data, location data, logs and other communication data and the resources that you access and use on or through this App.

    • Device and Connection Information

      information about your mobile or electronic device and internet connection, including, the type of device you use, the device's unique, device identifier, IP address, operating system, browser information, mobile network information and the device's telephone number. We collect device location information if you use our location features, such as when you choose to share your location with your contacts, view locations nearby or those others have shared with you.

    • Stored Information and Files

      metadata and other information associated with other files stored on your device which this App may access for such metadata and information.

    • Status Information

      Your online and status message changes on our App, such as whether you are “online” and when you last used our App (“last seen”), and when you last updated your status message.

  • 3.2
  • We treat all of your information/Personal Data with the utmost care for your privacy and security. However, for purposes of providing our services to you, we may store your information/Personal Data on servers of third parties or disclose your information/Personal Data to third party providers who provide products or services to you or us (e.g., our credit card processing company or the third party vendors accessible through this App). These third parties are not permitted to use your information/Personal Data for any purpose unrelated to such as providing their products or services to you or us without your express consent (whether orally or in writing).

  • 4.1
  • We use the information/Personal Data that we collect about you or that you provide to us, including, any personal information:-

    • to provide you with this App and its contents, and any other information, products or services that you request from us;

    • to fulfill any other purposes for which you provide it;

    • to carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including, for billing and collection;

    • to operate and administer your e-wallet account with us and to provide the services that you have requested;

    • to carry out your instructions to make and receive payments and undertake transactions using this App, including, verifying that you have sufficient funds in your e-wallet account to make such payments;

    • to allow you to participate in the interactive features of this App;

    • to notify you about changes to our services or this App;

    • to improve our internal customer training;

    • to comply with financial services regulations, including, retention of financial information and transactions;

    • for financial and identity checks, fraud prevention and detection checks, anti-money laundering and credit checks;

    • for customer service, including, answering questions and responding to feedback and complaints;

    • to enhance the security of our services;

    • to ensure that the contents in this App are presented in the most effective manner for you and for your mobile;

    • for research, statistical, analysis and behavioural analysis;

    • to notify you when this App updates are available and of changes to any products or services we offer or provide through it; and

    • to contact you via emails for newsletters or other marketing/promotional materials.

  • 4.2
  • The usage information/Personal Data we collect helps us to improve this App and to deliver a better and more personalized experience by enabling us to:-

    • estimate our audience size and usage patterns;

    • store information about your preferences, allowing us to customise this App according to your individual interests;

    • speed up your searches; and

    • recognise you when you use this App.

  • 5.1
  • We may use your personal data or information to provide you with information about the special features of this App or any other services we think may be of interest to you, unless or otherwise requested by you. If you do not wish to receive this information, please unsubscribe from marketing-related emails. If you agree to us providing you with marketing information, you can always opt out at a later date.

  • 6.1
  • We have put in place the following security procedures as well as technical and organisational measures to safeguard your information/Personal Data:-

    • access to your e-wallet account with us is controlled by a password and username that are unique to you;

    • we store your information/Personal Data on secure servers; and

    • we automatically encrypt your confidential information in transit from your mobile to ours using the protocol.

  • 6.2
  • We will use all reasonable efforts to safeguard your information/Personal Data. However, you should be aware that the use of the Internet or this App is not entirely secure and for this reason we cannot guarantee the security or integrity of any information/Personal Data which is transferred from you or to you via the Internet or this App. Further, the high level of protection we provide can only be effective if you follow certain security practices yourself. You must never share any of your accounts, including, the e-wallet account or login details with anyone. If you are concerned that any of your login details have been compromised, you can change them any time once you are logged on but you should always also immediately contact us or our customer services and tell us why you think your login details have been compromised. Details of how to contact our customer services are available from the “Contact” section of the website.

  • 7.1
  • We are by law required to retain certain records for a period of at least seven (7) years after closure of your e-wallet account with us which will include your information/Personal Data such as your name, contact details, customer number and transaction history, etc.

  • 8.1
  • We may disclose aggregated information/Personal Data about you and our users, and information that does not identify any individual, without restriction. In addition, we may disclose your information/Personal Data that we collect or you provide:-

    • to our associated companies which means our subsidiaries, any subsidiaries of our shareholders and affiliates;

    • to any companies which provide outsourced services to us;

    • to contractors, service providers and other third parties we use to support our business and who are bound by contractual obligations to keep information/Personal Data confidential and use it only for the purposes for which we disclose it to them;

    • to third parties that market their products or services to you if you have consented to these disclosures;

    • to fulfill the purpose for which you provide it;

    • for any other purpose disclosed by us when you provide the information/Personal Data;

    • to comply with any court order, law or legal process, including, to respond to any government or regulatory request;

    • to enforce or apply our Terms and other agreements, including, for billing and collection purposes; and

    • if we believe disclosure is necessary or appropriate to protect the rights, property, or safety of us, our customers or others,

    and this includes exchanging information with other companies and organizations for the purposes of fraud protection, credit risk reduction and preventing misuse of the service.

  • 8.2
  • Disclosure of your information/Personal Data may be necessary in order to, among other things, fulfill your request, process your payment details, provide support services and monitor fraudulent activities.

  • 8.3
  • When using the money or funds in your e-wallet account with us to pay to a person or company whom you wish to purchase goods, services and others, we will pass on certain details to the recipient. Depending on the requirements of that other person and the type of payment involved, we may send other personal details such as your name, address and country of residence if the recipients request this information/Personal Data from us in order to improve the payment process, to reconcile payments with the commercial transaction or to conduct their own anti-fraud and anti-money laundering checks.

  • 8.4
  • When you open an e-wallet account with us, at intervals of up to every three (3) months and at any other time we feel it is necessary to do so to protect our financial interests and prevent money-laundering or fraud, we share certain information/Personal Data about you and your e-wallet account with us, financial history and transactions as part of our normal business operations with our banks, payment facilitator partners, credit/debit card processing services, identity verification service providers and credit reference agencies (including, but not limited to, identity and verify users, to limit our exposure to fraud and other criminal activities and to manage our financial risk. When conducting identification or fraud prevention checks, the relevant parties may retain a record of our query along with your information/Personal Data and may share this information/Personal Data with other fraud prevention agencies. If you want to know what information/Personal Data these companies hold about you, you can write to them to request access to your information/Personal Data.

  • 8.5
  • We will share your information/Personal Data with third parties only in the ways that are described in this Privacy Policy. We do not sell your information/Personal Data to any third parties. We may also disclose your information/Personal Data to:-

    • a prospective buyer of our business or a buyer of a substantial number of the shares in our business, if we are involving in a merger, acquisition, or sale of all or a portion of our assets, you will be notified via email and/or this App and/or prominent notice on our website of any change in ownership or uses of your information/Personal Data as well as any choices you may have regarding your information/Personal Data;

    • the police, the Financial Conduct Authority, the National Crime Agency and any other lawful enforcement body, regulatory body or court if we are under a duty or required by law to disclose or share your information/Personal Data, or to protect the rights, property, or safety of ourselves or our group companies, our customers, or others; and

    • third parties we may occasionally use to provide you with the services that you have requested. We require these third parties not to use your information/Personal Data for any other purpose.

  • 9.1
  • We have implemented measures designed to secure your information/Personal Data from accidental loss and from unauthorised access, use, alteration and disclosure. All information/Personal Data you provide to us is stored on our secure servers behind firewalls. Any payment transactions will be encrypted.

  • 9.2
  • The safety and security of your information/Personal Data also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of this App, you are responsible for keeping this password confidential. We advise you not to share your password with anyone. We urge you to be careful about giving out information/Personal Data in public areas of this App such as message boards. The information/Personal Data you share in public areas may be viewed by any users of this App.

  • 9.3
  • Unfortunately, the transmission of information via the internet and mobile platforms is not completely secure. Although we do our best to protect your information/Personal Data, we cannot guarantee the security of your information/Personal Data transmitted through this App. Any transmission of information/Personal Data is at your own risk. We are not responsible for circumvention of any privacy settings or security measures we provide.

  • 10.1
  • We may monitor and record communications with you (such as telephone conversations, and sending messages through emails, SMS, WhatsApp, this App and etc.) for the purpose of quality assurance, training, fraud prevention and compliance.

  • 11.1
  • We may contact you via email to the primary email address you have provided to us or by telephone to the contact telephone number you have provided to us when downloading this App and registering for your e-wallet account with us or message through this App. You can change your primary email address and/or contact telephone number at any time.

  • 11.2
  • You may also receive system-generated transactional emails or messages from this App such as confirmation of uploads, notification of receipt of payments, notification of password changes, etc. which are necessary for the proper operation and administration of your e-wallet account with us.

  • 11.3
  • Phishing is the name given to attempts to steal personal details and financial account details from a website user or from this App. “Phishers” use fake or “spoof” emails or messages through this App to lead users to counterfeit websites or this App where the user is tricked into entering their personal details, such as credit card numbers, user names and passwords. WE WILL NEVER SEND EMAILS OR MESSASGES THROUGH SMS, WHATSAPP, WECHAT AND/OR THIS APP ASKING YOU FOR SUCH DETAILS AND OUR STAFF WILL NEVER ASK YOU FOR YOUR PASSWORD. If you do receive such emails and/or messages requesting for your password by anyone claiming to work for us please forward the email or report the incident by email to our Data Protection Office at our email address specified below or by contacting our Customer Service.

  • 12.1
  • We may request shipping details from you such as recipient’s name, contact number, correspondence address and etc for us to deliver redeem products using URewards. Your parcels will be delivered using our selected shipping partner. Please note that all addresses are unable to make any adjustment once already in processing.

  • 13.1
  • By submitting your information/Personal Data, you consent to the use of that information/Personal Data as set out in this Privacy Policy.

  • 14.1
  • This Privacy Policy is effective as of 3rd December 2018 and will remain in effect, except with respect to any change in its provisions in the future, which will be in effect immediately after being posted on this page or on our website.

  • 14.2
  • We reserve the right to update or change our Privacy Policy at any time, without any notice, where such change is required by applicable legislation or by-law. If we make material changes to how we treat our users' information/Personal Data or change our Privacy Policy, we will post the changes on our Privacy Policy on this page and place notices on other pages of the website so that you may be aware of the information/Personal Data we collect and how we use it at all times. You are responsible for periodically visiting this Privacy Policy to check for any changes or updates.

  • 15.1
  • We welcome your views about this App and our Privacy Policy. If you have any questions pertaining to this Privacy Policy and/or if you would like to contact us with any queries or comments, please send an email to us at