This Privacy Notice describes how JAGS MONEY SDN BHD handles personal information in line with the Personal Data Protection Act 2010 ("PDPA") and other applicable laws of Malaysia.
1. What This Privacy Notice Covers
This Privacy Notice explains:
- What kind of personal information we collect
- How we collect your personal information
- How we use your personal information
- When we disclose your personal information
- How we retain your personal information
- How we secure your personal information
- Access to and correction of your personal information
- Transfer of your personal information
- Online dealings with us
This Notice does not apply to personal information that we hold about our own employees, and it must be read together with any law or contract that takes priority over it.
2. Our Commitment to You
We value the trust placed in us by our customers and business partners. We are committed to safeguarding your personal information and to using it only for the purposes described in this Notice.
3. Defining Personal Information
Personal information is any information that relates, directly or indirectly, to you or to your dealings with us. It includes anything that can be used to tell you apart from others, to identify you or to get in touch with you.
4. What Kind Of Personal Information We Collect
To run our business efficiently and serve you well, we may collect personal information that includes, but is not limited to, the following:
- your contact and identity details, such as your name, race, address, telephone number, email address, national identity card or passport details, occupation, bank account details, salary range and source of funds;
- details of other people connected to a transaction you make, such as the name, address, contact details, identity details and bank account details of the recipient of a fund transfer;
- your transaction history with us;
- security recordings, including CCTV images and recordings of calls you make to us;
- information you give us about your marketing preferences, or when you take part in surveys, contests or promotions;
- information required to be collected in compliance with Money Services Business Act 2011, Anti Money Laundering, Anti-Terrorism Financing and Proceeds of Unlawful Activities Act 2001, Financial Services Act 2013, Communications and Multimedia Act 1998 and such other laws and regulations as may be applicable from time to time;
- information about the devices and software you use to reach the products and services of JAGS MONEY SDN BHD, our preferred merchants and our strategic partners; and
- your specific preferences and interests, so that we can tailor our services to you.
If you give us personal information about someone else, such as a recipient of your transfer, you confirm that you have obtained their consent to disclose that information to us and for us to process it, and that you have informed them of this Notice and how to contact us to let them view or change it.
5. How We Collect Your Personal Information
5.1 Directly from you
We may collect personal information directly from you when you:
- buy a product or service from us or from our authorised agents, including online;
- apply or register for a product or service, or open an account with us;
- send or process funds, whether over the counter or through an online channel;
- subscribe to our publications in electronic, print or other form, such as rate alerts, newsletters and brochures;
- ask us for more information about a product or service, verbally or in writing;
- carry out financial transactions;
- contact us with a query or complaint;
- enter a contest, competition, prize draw or survey;
- visit or browse our website, or the websites of our affiliates, authorised partners, resellers or agents; or
- communicate with us through our live chat service.
5.2 From other sources
We may also receive your personal information from third parties that we deal with or that are connected to you, such as communications service providers, financial institutions and credit reporting agencies, and from any other source you have consented to, or where the law otherwise allows. We also use CCTV to record footage at our premises.
6. How We Use Your Personal Information
We may use the personal information we collect from you, or from the third parties described above, for one or more of the following purposes:
- to process your order or application and keep you updated on its progress;
- to identify and verify you, including by carrying out background checks;
- to complete your transaction or remittance instructions;
- to tell you about new products and services and to improve what we offer;
- to send you offers or promotions based on how you use our products and services;
- to send you marketing and advertising materials about products, services and events, including those of third-party organisations we work with, whether they exist now or are created in the future;
- to maintain and develop our business systems and infrastructure, including system testing and upgrades;
- to provide customer support;
- to respond to your queries and complaints;
- to carry out research and statistical analysis, such as data analytics, surveys and profiling, and to monitor usage of our products and services on an anonymised basis;
- to remember your preferences and personalise our services;
- to keep your information for use in your future dealings with us;
- to prevent and detect fraud, money laundering and other crimes; and
- to meet legal and regulatory requirements, including responding to lawful requests from government or law enforcement authorities.
CCTV footage at our branches may additionally be used for:
- quality assurance;
- the safety and security of staff, visitors and customers;
- detecting and deterring suspicious, inappropriate or unauthorised use of our facilities;
- detecting and deterring criminal behaviour;
- complying with legal and regulatory requirements, including lawful requests from authorities; and
- investigating incidents.
7. Disclosure of Your Personal Information
In providing and managing our products and services, we may need to share information about you with the following parties:
- agents, partners, service providers (including outsourced providers) and professional advisers, and any other party we need to involve to meet legal and regulatory requirements;
- financial institutions that help us process or fulfil transactions you have requested, including the institution acting for the recipient of your transfer;
- financial institutions, merchants, card networks and their affiliates, and other card associations, in connection with any prepaid card we issue to you;
- our business associates and other parties, for purposes directly related to why we collected your information;
- any party to whom we must disclose information because of a legal requirement, a lawful request, or an order of a court, tribunal or authority (governmental or quasi-governmental) with jurisdiction over JAGS MONEY SDN BHD, or to discharge our obligations to a regulator;
- any party to whom you have given your express or implied consent; and
- our prospective or new owners, if any, whom we will require to adopt a similar policy to protect your personal data, always subject to applicable laws, regulations, guidelines and obligations.
8. Security of Your Personal Information
We take reasonable precautions to protect your personal information from unauthorised or accidental loss, misuse, modification, disclosure or destruction. However, we cannot guarantee the security of information sent online, and we accept no liability for any alteration, interception or misuse of information transmitted over the internet.
9. Retention of Your Personal Information
Our policy is to keep personal information for up to 7 years, for the purpose it was collected, for a compatible purpose, or as the law requires. If the information is needed for an ongoing investigation, we will keep it until the investigation is completed or for 7 years, whichever is longer.
10. Direct Marketing
We may use your personal information to tell you about our services and products, and those of third parties, that may interest or benefit you, unless you tell us otherwise.
In some cases we may share relevant personal information with our preferred merchants and strategic partners, but only with your prior consent and always subject to the laws, regulations, guidelines and obligations that apply to us. We take reasonable steps to ensure that our agreements with service providers contain suitable privacy and confidentiality obligations.
If you do not want your personal information used for marketing, or if you change your mind about an earlier choice, please contact us using the details at the end of this Notice. We will follow your most recent written instructions.
11. If the Information You Provide Is Incomplete
Where a form or other request marks certain personal information as obligatory, you must provide it so that we can process your application for our products or services. If you choose not to provide that information, we may be unable to process your application or provide the product or service.
12. Your Right to Access and Correct Your Personal Information
If you would like to see the personal information we hold about you, or you believe it is inaccurate, incomplete, misleading or out of date, you may submit a request through our Personal Data Form, which is available at https://jags.ai/locations.
We will make reasonable efforts to respond to your access or correction request within 21 days of receiving your completed Personal Data Form and any applicable processing fee.
If you are a member of our online services, you may also correct, delete or update your basic personal information yourself by logging in to your account at https://jags.ai/ or through the relevant mobile application.
We may sometimes have to refuse access, for example where we cannot verify your identity, where the information is commercially confidential, or where we receive repeated requests for the same information. If we do so, we will explain our reasons.
13. Transfer of Your Personal Information
Some or all of the information you give us may need to be transferred outside Malaysia, for example to our databases in other countries or to third parties such as overseas financial institutions for processing. Strict rules on confidentiality and security apply to protect it. Please be aware that the laws of those countries may differ from the data protection laws of Malaysia and may not offer the same level of protection for personal information, but we will still take every reasonable precaution to keep your information safe as described in this Notice.
14. Information We Collect When You Visit Us Online
If you choose to get information from, or do business with, us online through https://jags.ai/.
14.1 Our websites
When you visit our websites, we collect standard internet log information and details of visitor behaviour to work out how many people visit different parts of the site. This information is not linked to you as an individual. We use it to evaluate and improve the features, user experience and functionality of our websites.
14.2 Cookies
We collect information about how you use our websites through cookies. Cookies are small packets of information stored on your device that help you navigate a website and tailor its content to your needs. On their own, cookies identify only the device used, not the individual user. You do not have to accept cookies. You can set your device to accept all cookies, to warn you when a cookie is issued, or to refuse cookies altogether. Please note that rejecting cookies may affect how you use our websites, as we will be unable to personalise certain features.
14.3 Links to third-party websites
This Notice applies only to our own websites and not to any third-party websites you reach through them. JAGS is not responsible for the privacy practices or content of those websites, which may have their own privacy policies. To understand how third-party sites such as social media and video platforms handle your personal information, please read their privacy policies.
15. Updates to This Privacy Notice
We may amend this Privacy Notice from time to time. Please check our website regularly for our most up-to-date practices.
16. Contact Us
If you have any queries, concerns or complaints about this Privacy Notice, please contact us using the details below:
JAGS Money Sdn. Bhd.
Attention: Personal Data Protection / Privacy Enquiries
Address: A-9-4 Northpoint Office, Mid Valley City, Lingkaran Syed Putra, 59200 Kuala Lumpur.
Email: customersupport@jags.com.my
Telephone: 603-27791030
Website: Jags Money