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Privacy Policy

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Our Commitment To Your Privacy

This Privacy Policy outlines how Malakat Pay collects, uses, maintains and discloses your personal data in respect of commercial transactions and how Malakat Pay safeguards your personal information. “Malakat Pay” or “We” in this Privacy Policy refers to Malakat Pay Sdn Bhd. This does not apply to any online websites or services that we do not own or control.

Your Consent Is Important

When you sign up for our products and services or when you enter into any commercial transactions with Malakat Pay, you may be required to provide certain information. In doing so, you need to consent to its use by Malakat Pay in accordance with this Privacy Policy. Your personal data may have been otherwise provided to Malakat Pay by a third party for products or services that these third parties have sought from Malakat Pay.

In this context, the term “you” or “your” in this Privacy Policy extends to any individual whose personal data has been provided to Malakat Pay.
You have the choice, at any time, not to provide your personal data/sensitive personal data or to revoke your consent to Malakat Pay processing of your personal data/sensitive personal data. However, failure to provide such personal data/sensitive personal data or revocation of your consent to process personal data/sensitive personal data provided may result in Malakat Pay being unable to provide you with effective and continuous products and services.

What Types Of Personal Data Do We Collect?

Personal data refers to any information that relates directly or indirectly to an individual, who is identified or identifiable from that information or from that other information in the possession of  Malakat Pay, including any sensitive personal data and expression of opinion about the individual. The types of personal data we collect may include, but are not limited to your name, address, other contact details, age, occupation, marital status, financial information such as your income, or income tax particulars your identity card or passport, place of birth, credit history and your transaction history. The personal data we collect can be either obligatory or voluntary. Obligatory personal data are those that we require in order to provide you with our products and services. If you do not provide us with obligatory personal data, we would not be able to provide you with our products and services. Voluntary personal data are those that are not mandatory in order for us to provide you with our products and services. If you do not provide us with voluntary personal data, you can still sign up for our products and services. Obligatory and voluntary personal data differ for each product and service and will be indicated in the application forms.

How Do We Collect Your Personal Data?

We obtain your personal data in various ways, such as:

  1. When you sign up at the Malakat Pay website.

  2. When you contact Malakat Pay through various methods such as application forms, emails and letters, telephone calls and conversations you have with our staff in a branch. If you contact us or we contact you using the telephone, we may monitor or record the phone call for quality assurance, training and security purposes.

  3. From our analysis of your transactions.

  4. When you participate in customer surveys or when you sign up for any of our competitions or promotions.

  5. When we obtain any data and information from third parties.

  6. When you enter into any commercial transactions with Malakat Pay including but not limited to you providing goods and/or services or your professional services;

  7. From publicly available sources.

IP Address

An IP address is a number that is automatically assigned to your computer when you sign up with an Internet service provider. When you visit our website, your IP address is automatically logged in to our server. We use your IP address to help diagnose problems with our server and to administer our website. From your IP address, we may identify the general geographic area from which you are accessing our website. Generally, we do not link your IP address to anything that can enable us to identify you unless it is required by law and regulation.

Information on Cookies

A cookie is an element of data that a website can send to your browser, which may then store it on your system. We use cookies on some of our pages to store visitors’ preferences and record session information. The information that we collect is then used to ensure a more personalized service level for our users. You can adjust settings on your browser so that you will be notified when you receive a cookie. Please refer to your browser documentation to check if cookies have been enabled on your computer or to request not to receive cookies.

What Is The Purpose Of Processing Your Personal Data?

We may process your personal data for the following reasons:

  1. To send bills and receipts.

  2. To assess your application for any of our products and services.

  3. To verify your financial standing through credit reference checks.

  4. To manage and maintain your account and facility.

  5. To evaluate your financial needs and to continue performing the contractual obligations entered into between Malakat Pay and you.

  6. To respond to your inquiries and complaints and to resolve disputes.

  7. For internal functions such as evaluating the effectiveness of marketing, market research, statistical analysis and modelling, reporting, audit and risk management and preventing fraud.

  8. In addition, we may also use your personal data for the fulfilment of any regulatory requirements and for any other reasons connected with providing you with the services you require and fulfilment of any commercial transactions entered into by you with Malakat Pay.

From time to time, we may share your personal data with other entities within Malakat Pay, our agents or strategic partners and other third parties (“other entities”) as Malakat Pay deems fit. You may receive marketing communication from us or from these other entities about products and services that may be of interest to you. If you no longer wish to receive these marketing communications, please notify us to withdraw your consent. We will stop processing and sharing your personal data with these other entities to send you marketing communications.

You have a choice to withdraw your consent for receiving marketing or promotional materials/communication, you may contact us via email at  Please be aware that once we receive confirmation that you wish to withdraw your consent for marketing or promotional materials/communication, it may take up to fourteen (14) working days for your withdrawal to be reflected in our systems. Therefore, you may still receive marketing or promotional materials/communication during this period of time. Please note that even if you opt-out from receiving marketing or promotional materials, Malakat Pay may still contact you for other purposes concerning the accounts, facilities or services that you hold or have subscribed to Malakat Pay.

To Whom Do We Disclose Your Personal Data

Your personal data held by us shall be kept confidential. However, in order to provide you with effective and continuous products and services and to comply with any legal and regulatory requirements, we may need to disclose your personal data to:

  1. Other entities within MalakatPay.

  2. Our agents and service providers with whom we have contractual agreements for some of our functions, services and activities.

  3. Financial service providers.

  4. Our merchants and strategic partners.

  5. Parties authorized by you.

  6. Enforcement of regulatory and governmental agencies as permitted or required by law, authorized by any order of a court or to meet obligations to regulatory authorities.

The disclosure of your data may involve the transfer of your personal data to places outside of Malaysia, and by providing us with your personal data you agree to such a transfer where it is required to provide you with the services you have requested, and for the performance of any contractual obligations you have with Malakat Pay including for storage purposes.

How Do We Protect Your Data?

The security of your personal data is our priority. Malakat Pay takes all physical, technical and organizational measures needed to ensure the security and confidentiality of personal data. If we disclose any of your personal data to our authorized agents or service providers, we will require them to appropriately safeguard the personal data provided to them.

How Long May We Retain Your Personal Data?

We will only retain your personal data for as long as necessary to fulfil the purpose(s) for which it was collected or to comply with legal, regulatory and internal requirements. Afterwards, we will destruct or permanently delete your data.

How You Can Contact Us About Privacy Questions?

If you have questions, comments, concerns or feedback regarding this Privacy Policy or any other privacy concern, send an email to

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