Privacy Policy
Effective date: 11 September 2026
1. Scope of this policy
This Privacy Policy explains how ASCEND JVIAN SDN. BHD. (“Ascend Jvian”, “we”, “us” or “our”) collects, uses, discloses, retains and protects personal data when you visit our website, create an account or use an available Ascend Jvian service. Additional notices shown within a service form part of this policy.
2. Personal data we collect
The information we collect depends on the services and features you use. It includes, where relevant:
- identity, profile and contact information;
- account, security and identity-verification records;
- transaction, payment, financing and fraud-prevention information;
- employment and income information for Earned Wage Access, financing or eligibility checks;
- vehicle, mobility and location information for location-based services;
- purchase, ticketing, content, rewards and support activity; and
- technical information such as IP address, device identifiers, app version and diagnostic logs.
3. How we collect personal data
We collect personal data directly from you, automatically from your device when you use our services, and from participating merchants, service providers and permitted third parties such as employers, payment providers, identity-verification providers, credit-reporting agencies and public sources.
This marketing website has no account, payment or contact form. Its hosting provider processes basic technical logs needed to deliver and secure the site.
4. How we use personal data
We use personal data to provide and improve requested services; create and secure accounts; verify identity; process transactions; assess applications where permitted; prevent fraud and misuse; provide support; personalise features; operate rewards; meet legal and regulatory duties; protect users and systems; and send marketing communications where you have a choice or consent is required.
5. When we disclose personal data
We disclose personal data only as needed for the stated purposes to group companies, payment networks, financial institutions, merchants, operational partners, technology providers, professional advisers, regulators, courts, law-enforcement bodies and a lawful corporate successor.
Service providers acting for us must protect personal data and use it only for authorised purposes. Regulated services are provided by appropriately licensed or regulated third-party providers where applicable, including Anchor Capital Sdn Bhd for applicable financial services, and their privacy notices may also apply.
6. Cross-border transfers
Where a service provider processes personal data outside Malaysia, we use safeguards required by applicable law and take reasonable steps to ensure an appropriate level of protection.
7. Security and retention
We use reasonable administrative, technical and physical safeguards appropriate to the sensitivity of the data. No transmission or storage method is completely secure.
We retain personal data only for as long as needed for the stated purposes, legal, accounting and regulatory requirements, and dispute resolution. We delete or anonymise it when it is no longer required.
8. Your choices and rights
Subject to applicable law, you may request access or correction, withdraw consent, limit certain processing, object to direct marketing, and request account or data deletion. We may verify your identity, and lawful retention duties may limit a request.
9. Children’s privacy
Our services are not intended for children unless a specific service expressly permits their use with appropriate parent or guardian involvement. Additional notices and safeguards apply where a service is offered to children.
10. Changes to this policy
We update this policy when our services or legal obligations change. The revised version will be published here with an updated effective date, with additional notice where required.