Privacy Policy
At Miracle Payments Sdn. Bhd. (“Miracle Pay”, “we”, “us”, or “our”), your privacy is important to us. This Privacy Policy outlines how we collect, use, disclose, and protect your personal data in accordance with the Personal Data Protection Act 2010 (“PDPA”) of Malaysia.
1. Collection of Personal Data
We collect personal data from you when you interact with us, including but not limited to:
- When you register as a merchant or user
- When you visit or use our website or services
- When you contact us for support or inquiries
- When you submit documents during onboarding or verification
Types of data we may collect:
- Full name, IC/Passport number, company registration number
- Contact details (email, phone number, address)
- Bank account/payment information
- Login credentials or identification data
- Transactional records related to payment activities
Device or technical data (IP address, browser type, cookies)
2. Purpose of Collecting Personal Data
Your personal data may be collected and processed for the following purposes:
- To verify your identity and onboard you as a merchant/customer
- To process and facilitate payments, payouts, and other transactions
- To provide technical support and respond to your inquiries
- To comply with regulatory obligations including e-Invoicing, AMLA, and fraud detection
- To improve our website, services, and customer experience
To communicate marketing offers, promotions, or updates (if opted-in)
3. Disclosure of Personal Data
We may share your personal data with:
- Our group companies, service providers, or business partners
- Banks, payment networks, and regulators for transaction processing
- Government or regulatory bodies when required by law (e.g. Bank Negara Malaysia, LHDN)
- Auditors, legal advisors, or compliance professionals
We ensure that any third party handling your data adheres to strict confidentiality and security measures.
4. Security of Personal Data
We implement technical and organizational measures to protect your data against:
- Unauthorized access
- Loss or misuse
- Alteration or destruction
Your data is encrypted in transit and at rest, and access is limited to authorized personnel only.
5. Retention of Personal Data
We retain your personal data only as long as necessary to fulfill the purposes it was collected for, or as required by applicable laws and regulations.
6. Access and Correction
You have the right to:
- Request access to your personal data
- Correct or update inaccurate data
- Withdraw consent to processing (subject to limitations)
To exercise these rights, please contact our Data Protection Officer via the email provided below.
7. Cookies and Tracking Technologies
Our website uses cookies and similar technologies to enhance user experience and gather analytics. You may choose to disable cookies through your browser settings, but some features may not function properly.
8. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites.
9. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. Changes will be posted on this page with a revised effective date. Continued use of our services constitutes your acceptance of the updated policy.
10. Contact Us
If you have any questions regarding this Privacy Policy or wish to make a data access/request, please contact:
Data Protection Officer
Miracle Pay Sdn. Bhd.
Email: [Insert Email]
Phone: [Insert Phone]
Address: [Insert Registered Office Address]