Privacy Policy
Discover how we safeguard your information without any tracking or the involvement of third parties.
FAQs
What information do you collect?
We collect Government-issued Documents your email, mobile number, and password to enable service use, excluding sensitive documents.
Do you track my location?
No location tracking is performed; your location data is neither collected, tracked, nor used in any way.
Do you use third-party services?
We do not use any third-party tools, SDKs, analytics, or ad networks; all processes are handled internally.
How does the app work?
Payngo enables Malaysian users to request money transfers to Pakistan via a manual deposit system.
Is my personal data safe?
Yes, we limit data collection to essentials and maintain strict internal controls to protect your privacy.
Can I opt out of data collection?
Data collected is essential for service; currently, opting out is not possible without disabling account use.
Effective Date: Oct 01, 2025
At PayNGo Technologies, we take your privacy seriously. This Privacy Policy explains how we collect, use, and protect your information when you use our mobile application, PayNGo.
1. Information We Collect
When you use PayNGo, we may collect the following information:
Personal Identification Information: Full name, phone number, email address.
Government-issued Documents: Passport copy or other ID documents (for verification purposes).
Transaction Information: Amount, method of deposit, recipient details, and payment proof.
Technical Data: Device information, IP address, and usage data to improve our services.
We collect any government-issued identification documents or sensitive personal data.
2. How We Use Your Information
We use your information to:
Verify your identity and comply with regulations.
Process money transfer requests securely.
Prevent fraud, fake referrals, and unauthorized transactions.
Improve our services and customer support
3. Transaction Limits & Fees
Maximum transaction limit: RM 5,000.
Transactions below RM 1,000 will incur a RM 5 fee.
Transactions of RM 1,000 or above are free of charge.
4. Data Sharing & Disclosure
We do not sell or rent your personal information. We may only share data in the following cases:
With authorized financial or regulatory authorities (if legally required).
With service providers who assist in processing payments, under strict confidentiality.
To protect against fraud, security threats, or illegal activity.
5. Data Security
We take appropriate technical and organizational measures to protect your data against unauthorized access, loss, or misuse. All sensitive documents (such as passports) are stored securely with limited access.
6. Data Retention
We will retain your personal data, including passport copies, only as long as necessary to comply with legal obligations and provide you with our services.
7. Your Rights
As a user, you have the right to:
Request a copy of your personal data.
Request correction or update of inaccurate data.
Request deletion of your data (subject to legal requirements).
8. Updates to this Policy
We may update this Privacy Policy from time to time. Any changes will be posted on this page with the updated effective date.
9. Contact Us
If you have any questions about this Privacy Policy or how your data is handled, please contact us at:
📧 Email: Payngo@payngo.site
📞 WhatsApp: +60 1137583472