{"id":3,"date":"2025-01-03T17:07:50","date_gmt":"2025-01-03T17:07:50","guid":{"rendered":"https:\/\/paydibs.enzowebs.com\/?page_id=3"},"modified":"2026-06-15T10:30:29","modified_gmt":"2026-06-15T02:30:29","slug":"privacy-policy","status":"publish","type":"page","link":"https:\/\/paydibs.com\/zh\/privacy-policy\/","title":{"rendered":"\u653f\u7b56"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"3\" class=\"elementor elementor-3\">\n\t\t\t\t<div class=\"elementor-element elementor-element-346bf9e6 e-flex e-con-boxed e-con e-parent\" data-id=\"346bf9e6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7a8f959a elementor-widget elementor-widget-text-editor\" data-id=\"7a8f959a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Paydibs Sdn. Bhd. (\u201cPaydibs\u201d, \u201cwe,\u201d \u201cus,\u201d or \u201cour\u201d) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your Personal Data when you use our payment services (\u201cServices\u201d). By using our websites, e-payment portals, or any other digital platforms we operate (collectively \u201cWebsites\u201d), you agree to our processing of your Personal Data, including by our service providers involved in delivering these services to you.<\/p><p><strong>Definition of Personal Data<\/strong><\/p><p>In this Privacy Policy, \u201cPersonal Data\u201d means information regarding you, as a \u2018User\u2019, from which you are identified with, including but not limited to:<\/p><ul><li>Name;<\/li><li>Email address;<\/li><li>Contact number;<\/li><li>Identification card number;<\/li><li>Passport number;<\/li><li>Billing Address;<\/li><li>Mailing \/ Shipping Address;<\/li><li>Bank Account Information;<\/li><li>Payment Card information (e.g., primary account number (PAN), cardholder name, expiration date);<\/li><li>Date of Birth;<\/li><li>Company Name;<\/li><\/ul><p>And any other information about you or your company that has been or may be collected, stored, used and processed by us from time to time.<\/p><p><strong>Personal Data We Collect<\/strong><\/p><p>In addition to the Personal Data, you provide to us directly, there are variety of sources in which we may collect your Personal Data from, such as:<\/p><ul><li>Filling up and completing application or registration forms or any other similar forms via online or otherwise;<\/li><li>When you complete a sale or purchase transaction online using our e-commerce service;<\/li><li>When you register at our website as a user;<\/li><li>From social media platforms\u2019 pages that you subscribe to, follow, like or are a fan of;<\/li><li>When you enter contests organized by us;<\/li><li>From cookies used on websites;<\/li><li>When you interact with us at any events, activities or social media platforms;<\/li><li>From any other sources which are available to the public<\/li><\/ul><p>Paydibs collects personal data in order to set up and manage accounts for our e-commerce services and to handle orders of goods and services from Paydibs which shall include, without limitation, the following:<\/p><ul><li>website registration, enabling sales and other transactions, processing payments and settlement, sending payouts, handling orders, providing receipts;<\/li><li>providing customer service, providing dispute resolution, chargebacks, refunds, or related issues;<\/li><li>marketing and surveys, sending service update notices;<\/li><li>recovering debt and collections, detecting and preventing fraud, detecting and preventing violations of our legal agreements;<\/li><li>measuring, improving and customizing our services;<\/li><li>fulfilling other technical, logistical, financial, tax, legal, compliance, administrative, or back-office functions for and\/or in connection with all other purposes necessary and\/or incidental to our business and all purposes necessary for or related to any of the above purposes.<\/li><li>As part of our service enhancement and operational efficiency, to generate pre-qualified offers for value-added services.<\/li><\/ul><p>By agreeing to deal with us, you consent to our use of your personal data and confirm that we may also use and process your Personal Data for other purposes such as:<\/p><ul><li>to send alerts, newsletters, updates, promotional materials from us or our partners;<\/li><li>to send invitations to events or activities organized by us or our partners; and<\/li><li>to share your Personal Data amongst our holding companies, affiliates or subsidiaries for promotional events or activities organized by such holding companies, affiliates or subsidiaries.<\/li><\/ul><p>While providing your Personal Data is optional, please note that certain Services or all of the Services may be unavailable to you if you are unable to provide the requested information.<\/p><p><strong>How We Use Your Data<\/strong><\/p><p>We process your data for the following purposes and legal bases:<\/p><table><tbody><tr><td><strong><em>Purpose<\/em><\/strong><\/td><td><strong><em>Legal Basis<\/em><\/strong><\/td><\/tr><tr><td>Account setup, transactions<\/td><td>Contractual necessity<\/td><\/tr><tr><td>Fraud prevention, compliance (including credit reporting to CRAs under the CRA Act)<\/td><td>Legal obligation (PDPA, CRA, AML laws)<\/td><\/tr><tr><td>Securing payment card data as required by PCI-DSS<\/td><td>Legal obligation and legitimate interest<\/td><\/tr><tr><td>Marketing &amp; promotions<\/td><td>Consent<\/td><\/tr><tr><td>Service improvements<\/td><td>Legitimate interest<\/td><\/tr><tr><td>To pre-qualify and present you with our full range of products and services<\/td><td>Legitimate interest (to provide you with efficient and relevant service opportunities based on your existing relationship with us).<\/td><\/tr><\/tbody><\/table><p><strong>Data Sharing &amp; Disclosure<\/strong><\/p><p>We may share your data with:<\/p><ul><li>Affiliates &amp; Subsidiaries: For operational efficiency<\/li><li>Regulated Partners: Banks or auditors<\/li><li>Service Providers: Payment gateways, cloud hosting, customer support tools, and licensed lending partners who assist in providing value-added services such as financing.<\/li><li>Authorities: Where required by law<\/li><li>Card schemes (e.g., Visa, Mastercard) and issuing banks \u2013 for 3D-Secure authentication, fraud prevention, and chargeback handling.<\/li><li>Credit Reporting Agencies, Banks &amp; Financial Institutions. To provide you with our lending and credit-related products or services, we may disclose your Personal Data (including sensitive personal data where permitted by law) to:<ul><li>any credit reporting agency or credit bureau registered under the Credit Reporting Agencies Act 2010 (&#8220;CRA&#8221;), including but not limited to the Central Credit Reference Information System (&#8220;CCRIS&#8221;), CTOS Data System Sdn. Bhd. (&#8220;CTOS&#8221;), and Experian Information Services (Malaysia) Sdn Bhd (&#8220;Experian&#8221;);<\/li><li>banks and other financial institutions;<\/li><li>any other relevant bureau or agency established by Bank Negara Malaysia.<\/li><\/ul><\/li><\/ul><p>This disclosure is made for the purposes of conducting credit or trade assessments, credit or trade checks, fraud management, verifying your creditworthiness, and for any other purposes we deem relevant to the provision of our lending services, including as may be further described in any credit consent form you sign. You acknowledge that such credit reporting agencies may process your data in accordance with their own privacy policies and legal obligations.<\/p><p>We assure you that your information will be kept strictly confidential and used only for the purposes stated in this Privacy Policy, unless you provide specific authorization or disclosure is required by law. The section above provides the specific disclosures necessary for our lending services.<\/p><p><strong>Our Commitment to Security: PCI-DSS Compliance<\/strong><\/p><p>As a non-bank merchant acquirer regulated under Bank Negara Malaysia, Paydibs is committed to maintaining the highest standards of payment security. We are certified compliant with the Payment Card Industry Data Security Standard (PCI-DSS). This standard mandates a robust framework of controls to ensure the secure handling, processing, transmission, and storage of payment card information. We do not store sensitive authentication data such as full magnetic stripe data, card verification codes (CVV2\/CVC2), or PINs after transaction authorization. Our security practices are regularly reviewed and assessed to maintain this certification.<\/p><p><strong>Confidentiality &amp; Privacy Principles<\/strong><\/p><p>Paydibs ensures the confidentiality of your Personal Data in line with our Personal Data Protection Policy and applicable laws. We only collect information deemed relevant and necessary to understand your needs and use it solely to enhance our products and services. Your data will not be disclosed to external organizations without your consent, unless legally required or as previously communicated. All staff and authorized third parties are bound by strict confidentiality obligations, and we take all reasonable measures to keep your data accurate, secure, and protected against unauthorized access, loss, misuse, or disclosure. If your information is to be shared with agents, affiliates and\/or any other third party as stated in this Privacy Policy, your information is also protected by a confidentiality agreement at all times.<\/p><p><strong>How We Protect Your Personal Data<\/strong><\/p><p>We implement technical, physical, and administrative safeguards in line with our PCI-DSS compliance, including firewalls, 256-bit SSL encryption, data center access controls, and authorization protocols, to protect your Personal Data against unauthorized access, misuse, or alteration. Your data is stored securely, either in hardcopy formats at our offices or on servers operated by Paydibs or trusted service providers.<\/p><p><strong>3D-Secure and Card Scheme Authentication<\/strong><\/p><p>For online card-not-present transactions, Paydibs supports 3D-Secure authentication protocols (including Verified by Visa and Mastercard SecureCode). When a transaction requires 3D-Secure authentication, we may share necessary transaction and cardholder data (such as PAN, transaction amount, and cardholder name) with the relevant card schemes (Visa, Mastercard) and issuing banks solely for authentication and fraud prevention purposes. This data is processed in accordance with card scheme rules and applicable privacy laws.<\/p><p>While we prioritize securing our systems, you play a critical role by:<\/p><ul><li>Safeguarding passwords and account details (never share them with anyone).<\/li><li>Ensuring your data is accurate and up to date.<\/li><li>Immediately reset credentials or contact support@paydibs.com if you suspect a compromise.<\/li><\/ul><p>Important Limitations:<\/p><p>Internet transmissions cannot be 100% secure; any data shared online is at your own risk.<\/p><p>We are not liable for breaches arising from:<\/p><ul><li>Your authorized sharing of data with third parties.<\/li><li>Unauthorized use of your credentials due to negligence.<\/li><\/ul><p><strong>Retention of Personal Data<\/strong><\/p><p>We will retain your Personal Data only for as long as necessary to fulfill the purposes for which it was collected, or as required by applicable law or PCI-DSS requirements. Typically, transaction data is retained for a minimum period as defined by regulatory guidelines (e.g., up to seven (7) years for financial records), unless a longer retention period is needed to comply with legal obligations or defend legal claims.<\/p><p><strong>Right of Access to Personal Data and Inquiries<\/strong><\/p><p>Unless otherwise restricted by law, you may request to access, correct, or update any inaccurate, incomplete, misleading, or outdated Personal Data at any time. For such requests or further inquiries regarding your data and this Notice, please contact the designated Data Protection Officers.<\/p><p><strong>Managing Your Data Preferences<\/strong><\/p><p>You may withdraw your consent for us to use your Personal Data at any time. Please note that this withdrawal will not affect any processing that occurred prior to your withdrawal. Depending on the nature of your request, withdrawing consent may limit or prevent us from providing certain products or services to you.<\/p><p>Paydibs may impose a reasonable administrative fee for processing data access requests, as permitted by applicable laws.<\/p><p><strong>Amendments to This Notice<\/strong><\/p><p>We reserve the right to update and amend this Notice from time to time. Any changes to Paydibs privacy policy as stated herein shall be posted on its website or by other means as we may determine. You are advised to regularly check on the website for any changes made to the privacy policy. Any changes to the privacy policy shall be deemed to have been sufficiently communicated to you upon posting on Paydib\u2019s website. If, at any point, Paydibs decides to use personally identifiable information in a manner different from that stated at the time it was collected, Paydibs will notify users by way of an e-mail. Users will have the option of allowing or not allowing the use of their information in a different manner. Paydibs will only use information in accordance with the privacy policy under which the information was collected.<\/p><p>Paydibs may update this Notice from time to time, and the changes will be effective after posting it on the Website or notice to you. Continued use of the Gateway or Website indicates your re\u2010acceptance of the revised notice. The most recent revision date for these terms is identified below.<\/p><p>Contact Us<\/p><p>For questions or complaints:<br \/>Attn: Data Protection Officer<br \/>Address: Paydibs Sdn. Bhd. Level 16, Mercu Aspire Tower, No. 3, Jalan Bangsar, KL Eco City, 59200 Kuala Lumpur.<br \/>Email: <a href=\"mailto:privacy@paydibs.com\">privacy@paydibs.com<\/a><br \/>Phone: +603 \u2013 9521 4756<\/p><p>*Last updated: [5 May 2026]<p>\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Paydibs Sdn. Bhd. (\u201cPaydibs\u201d, \u201cwe,\u201d \u201cus,\u201d or \u201cour\u201d) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your Personal Data when you use our payment services (\u201cServices\u201d). By using our websites, e-payment portals, or any other digital platforms we operate (collectively \u201cWebsites\u201d), you agree to our processing [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-3","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\r\n<title>Privacy Policy - Paydibs<\/title>\r\n<meta name=\"description\" content=\"Our Privacy Policy defines &#039;Personal Data&#039; as information that identifies you as a &#039;User&#039;, including but not limited to the data you provide.\" \/>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/paydibs.com\/zh\/privacy-policy\/\" \/>\r\n<meta property=\"og:locale\" content=\"zh_CN\" \/>\r\n<meta property=\"og:type\" content=\"article\" \/>\r\n<meta property=\"og:title\" content=\"Privacy Policy - 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