© Wizdraw 2016-2020
- Terms & conditions
- Privacy policy
- - the types of information we collect from you;
- - how we use that information; and
- - the circumstances under which we will share it with third parties.
Wizdraw Terms & Conditions
Terms and Conditions of Use
Wizdraw is owned by WIC WorldCom Finance Ltd and operated by AT Services Ltd ("AT Services"). AT Services operates from its offices at 16 F Tai Yip Building, 1 Harbour Road, Wanchai, Hong Kong.
The Terms and Conditions set forth below describe the terms and conditions that apply to and govern Your access to and use of the Mobile Application (the “Mobile Application” ) and Money Transfer Services (the "the Service¨ ). Do not use or access the Mobile Application or the Service if You do not agree to be bound by such Terms and Conditions. By using this Mobile Application, you agree to the following Terms of Use. Please review this information often, as it may change at any time, without notice.
Restrictions on Use
You are authorized to view, copy and print the materials appearing on this web site, subject to the following:
1. The materials may be used for internal informational and non-commercial purposes only.2. You may not copy, distribute, modify, transmit, reuse, repost or otherwise display the Mobile Application content for public or commercial purposes, without the express written consent of the AT Services Legal Department authorizing use for such purpose(s).
3. Any copy of these materials or any portion thereof must include the copyright notice below.
4. You may not use this site or any related services for any purpose that is unlawful or prohibited by this Agreement.
5. You may not use any device, software or action, including but not limited to, bots, spiders, viruses, worms or time bombs, designed to damage or otherwise interfere with the Mobile Application or to intercept or expropriate any system, data or personal information contained at the Mobile Application.
6. You will not use the site or related services for chain letters, junk mail, spamming or to engage in illegal activities.
7. You agree that you will not use this Mobile Application to violate any laws, or conduct any other activity that gives rise to some liability or otherwise harm the goodwill associated with our trademarks.
8. AT Services may immediately terminate any or all of your rights to use this Mobile Application if at any time for any reason.
9. You and the beneficiary’s use of our services shall not in any way, directly or indirectly:
(a) violate any law, statute, ordinance, contract or regulation, including but not limited to any law, statute, ordinance, contract or regulation relating to money laundering, illegal gambling activities, support for terrorist activities, fraud or theft, and/or
(b) violate any of the Terms and Conditions of use. When required by applicable law, money transfers will be reported to local or foreign authorities.
You will be required to provide AT Services with certain information to allow AT Services, among other things:
- to verify Your identity;
- and to complete the transaction.
You agree that the information You shall provide AT Services is not false, inaccurate or misleading.
Fees
In consideration for the use of the service, You agree to pay to AT Services a fee for each money transfer initiated by You at the applicable rate then in effect (the "transfer fee" ). The applicable transfer fee for Your transaction will be provided to You prior to Your final authorization of the transaction, in addition to any applicable fees for additional services. In certain cases, payment of a money transfer may be subject to local taxes and service charges.
Intellectual Property
The Mobile Application and Service, the content, and all intellectual property pertaining thereto and contained therein (including but not limited to copyrights, patents, database rights, trademarks and service marks) are owned by AT Services, and all right, title and interest therein and thereto shall remain the property of AT Services and/or such other third parties.
The Mobile Application and Service may be used only for the purpose permitted by these Terms and Conditions. You are authorized solely to view the Mobile Application Your own personal, non-commercial use.
You agree that You may not duplicate, publish, modify, create derivative works from, participate in the transfer of, post on the World Wide Web, or in any way distribute or exploit the Mobile Application, the Service or any portion thereof for any public or commercial use without the express written consent of AT Services.
You further agree not to: (i) use any robot, spider, scraper or other automated device to access the Mobile Application and/or Service; and (ii) remove or alter any copyright, trademark or other proprietary notice or legend displayed on the Mobile Application (or printed pages thereof). The name AT Services and other names and indicia of ownership of AT Services' Service are the exclusive marks of AT Services. Other product, service and company names appearing on the Mobile Application may be trademarks of their respective owners.
Disclaimer of Warranties
THE INFORMATION CONTAINED IN THIS MOBILE APPLICATION MAY CONTAIN ERRORS OR INACCURACIES, AND IS PROVIDED TO YOU "AS IS," FOR YOUR INFORMATIONAL PURPOSES ONLY, WITHOUT WARRANTY OF ANY KIND, INCLUDING ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.
IN NO EVENT WILL AT SERVICES BE LIABLE TO ANY PARTY FOR ANY DIRECT, INDIRECT, SPECIAL OR OTHER CONSEQUENTIAL DAMAGES, RELATING TO OR ARISING OUT OF THE USE OF THIS MOBILE APPLICATION, INCLUDING SPECIFICALLY ANY LOST PROFITS, BUSINESS INTERRUPTION OR LOSS OF DATA, EVEN IF MONEYGRAM IS EXPRESSLY ADVISED ABOUT THE POSSIBILITY OF SUCH DAMAGES.
AT Services may make changes or improvements to the information displayed on this Mobile Application, or to the products or services described herein, at any time, without notice.
Links
This Mobile Application may contain links to other Mobile Applications which are not under the control of AT Services These links are provided only for the user's convenience and AT Services is not responsible for the contents or transmission of any web site or other application to which a link is provided. AT Services does not endorse any such web sites or applications and does not make any representation that they are error or virus free. The disclaimer of warranties above also applies to any linked Mobile Application.
Jurisdiction and Enforcement
This Agreement is governed by the laws of Hong Kong, notwithstanding its conflicts of law principles. All disputes or claims arising out of use of the site will be resolved in the state or federal courts located in Hong Kong.
Refunds
REFUNDS OF PRINCIPAL AMOUNT and cancellation of the money transfer will be made upon Your written request if payment to the Receiver has not yet been made or credited at the time the request is processed by AT Services. REFUNDS OF TRANSFER FEES will be made upon Your written request if the money transfer is not available to the Receiver nor been credited to his account within the time specified by AT Services for the selected service, subject to the hours of operation that the Service is offered at the Agent location selected by the Receiver for payment and other special conditions. Refunds will be made within 45 days of receipt of Your valid written request. Transfer fees are not refunded if the transfer is stopped at Your request. Payment of some money transfers may be delayed as a result of the application of local laws.
Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, AT SERVICES AND ITS AGENTS SHALL NOT BE LIABLE FOR DAMAGES FOR DELAY, NONPAYMENT OR UNDERPAYMENT OF THIS MONEY TRANSFER, OR NON-DELIVERY OF ANY SUPPLEMENTAL MESSAGE, WHETHER CAUSED BY NEGLIGENCE ON THE PART OF THEIR EMPLOYEES OR AGENTS OR OTHERWISE, BEYOND THE SUM EQUIVALENT TO $500 US DOLLARS (IN ADDITION TO REFUNDING THE PRINCIPAL AMOUNT OF THE MONEY TRANSFER AND THE TRANSFER FEE). TO THE MAXIMUM EXTENT PERMITTED BY LAW, AT SERVICES AND ITS AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES. NOTWITHSTANDING THE FOREGOING DISCLAIMER, NEITHER AT SERVICES NOR ITS AGENTS EXCLUDE LIABILITY FOR ANY CONDITION OR WARRANTY THAT CANNOT BE EXCLUDED BY LAW INCLUDING ANY IMPLIED WARRANTY THAT IT WILL RENDER SERVICES WITH DUE CARE AND SKILL. AT SERVICES’S AND ITS AGENT’S LIABILITY FOR THE BREACH OF SUCH CONDITION OR WARRANTY SHALL BE LIMITED TO THE GREATER OF THE COST OF PROVIDING THE AFFECTED SERVICE AGAIN AND THE SUM EQUIVALENT TO US$500.
AT SERVICES DOES NOT GUARANTEE THE DELIVERY OR SUITABLILITY OF ANY SERVICES PAID FOR BY MEANS OF A AT SERVICES MONEY TRANSFER. YOUR TRANSACTION DATA IS CONFIDENTIAL TO YOU AND SHOULD NOT BE SHARED WITH ANY OTHER PERSON OTHER THAN THE RECEIVER. YOU ARE CAUTIONED AGAINST SENDING MONEY TO ANY PERSON YOU DO NOT KNOW. IN NO EVENT SHALL AT SERVICES OR ANY OF ITS AGENTS BE LIABLE IF YOU COMMUNICATE TRANSACTIONAL DATA TO ANY PERSON OTHER THAN THE RECEIVER.
AT Services reserves the right to limit the principal amount of a money transfer, or to reject a proposed money transfer, in its sole discretion. AT Services does not assume any liability for damages resulting from nonpayment of the money transfer or any failure to complete any applicable Service transaction by reason of such lack of authorization. AT Services is not affiliated with or responsible for services provided by merchants and paid for through its Services. AT Services reserves the right to refuse to provide the Services to You, at any time, for any reason deemed necessary to protect AT Services' interests.
Miscellaneous
These Terms and Conditions, together with all other items incorporated herein by reference, embody the entire agreement and understanding between You and AT Services and supersede all prior agreements or understandings You have with AT Services. AT Services has the right to assign these Terms and Conditions to a subsidiary or affiliate company, or any third party, at any time without Your consent.
You may not assign or transfer these Terms and Conditions without AT Services' prior written consent. If any one or more of these Terms and Conditions shall for any reason be held to be invalid, illegal or unenforceable, the remaining provisions shall remain valid and enforceable. Your access to and use of the Mobile Application, App and Service is governed by the laws of Hong Kong. The Mobile Application and Service are not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation.
Wizdraw Privacy Policy
Dated: February 2017
Protecting your data, privacy and financial details is of vital importance to AT Services Ltd. Wizdraw is owned by WIC WorldCom Finance Ltd and operated by AT Services Ltd (hereinafter “AT Services”, “us”, “we“ or ¨our¨)
This Privacy Policy (together with our Terms and Conditions of Use and any other documents referred to in it) sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed by us. Please read the following information carefully to understand:
By visiting our Mobile Application (our “App”) you are accepting and consenting to the practices described in this Privacy Policy.
WHAT INFORMATION DO WE COLLECT ABOUT YOU?
We collect and process the following information about you:
- Information we collect about you: With regard to each of your visits to our App we may automatically collect the following information:
- details of the money transfers you carry out via our App, including the geographic location from which the transaction originates;
- technical information, including the Internet protocol (IP) address used to connect your computer to the Internet, your login information, browser type and version, time zone setting, browser plug-in types and versions, operating system and platform; and
- information about your visit, including the full Uniform Resource Locators (URL) clickstream to, through and from our App (including date and time); what you viewed or searched for; page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs), and methods used to browse away from the page and any phone number used to call our customer service number.
- Information we may receive from other sources: We may receive information about you if you use any of the other services we provide. We also may receive information from banks and other financial institutions you are using to transfer money to us. We also working closely with third parties (including, for example, business partners, sub-contractors in technical matters, payment and delivery services, advertising networks, analytics providers, search information providers, credit reference agencies) and may receive information about you from them.
We may also show your first name, first initial of your surname and photograph to the recipient of your money transfer, to your peer-to-peer counterparty and disclose these (together with your transaction details) on the transfer map on our webpage to show some recent transfers done through AT Services as an example.
HOW DO WE USE THE INFORMATION WE COLLECT ABOUT YOU?
We use information held about you in the following ways:
Information you give to us.
We will use this information:
- to carry out our obligations arising from any contracts entered into between you and us (including the Terms and Conditions of Use) and to provide you with the information, products and services that you request from us;- to provide you with information about other goods and services we offer that are similar to those that you have already purchased or enquired about;
- to provide you with information about goods or services we feel may interest you;
- to notify you about changes to our service;
- to ensure that content from our App is presented in the most effective manner for you and for your computer or mobile device; and
- to comply with legal and regulatory requirements.
HOW DO WE USE THE INFORMATION WE COLLECT ABOUT YOU?
We use information held about you in the following ways:
Information we collect about you. We will use this information:
- to administer our App and for internal operations, including troubleshooting, data analysis, testing, research, statistical and survey purposes;- to improve our App to ensure that content is presented in the most effective manner for you and for your computer or mobile device;
- to allow you to participate in interactive features of our service, when you choose to do so;
- as part of our efforts to keep our App safe and secure;
- to measure or understand the effectiveness of advertising we serve to you and others, and to deliver relevant advertising to you; and
- to make suggestions and recommendations to you and other users of our App about goods or services that may interest you or them.
Information we receive from other sources:
- We may combine this information with information you give to us and information we collect about you. We may use this information and the combined information for the purposes set out above (depending on the types of information we receive).IN WHAT CIRCUMSTANCES DO WE SHARE INFORMATION ABOUT YOU TO THIRD PARTIES?
We may share your personal information with any member of our group, which means our subsidiaries, our ultimate holding company and its subsidiaries. We may share your information with selected third parties including:
- business partners, suppliers and sub-contractors for the performance of any contract we enter into with them or you and to help improve our Services;- advertisers and advertising networks that require the data to select and serve relevant adverts to you and others; and
- analytics and search engine providers that assist us in the improvement and optimization of our Services.
- We may disclose your personal information to third parties:
- in the event that we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets;
- if AT Services or substantially all of its assets are acquired by a third party, in which case personal data held by it about its customers will be one of the transferred assets;
- if we are under a duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply the Terms and Conditions of Use and any other documents referred to on it; or to protect the rights, property, or safety of AT Services, our users, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection, investigation in connection with financial crimes or provision of assistance with law enforcement.
We may also show your first name, first initial of your surname and photograph to the recipient of your money transfer, to your peer-to-peer counterparty and disclose these (together with your transaction details) on the transfer map on our webpage to show some recent transfers done through AT Services as an example.
WHERE WE STORE YOUR PERSONAL DATA?
The data that we collect from you is stored at a destination outside the European Economic Area (“EEA”). It is also processed by staff operating outside the EEA who work for us or for one of our suppliers. Such staff maybe engaged in, among other things, the fulfilment of your money transfer, the processing of your payment details and the provision of support services. By submitting your personal data, you agree to this transfer, storing or processing. We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this privacy policy.
All information you provide to us is stored on our secure servers. Any payment transactions will be encrypted using Transport Layer Security (TLS). Where we have given you (or where you have chosen) a password which enables you to access certain parts of our App, you are responsible for keeping this password confidential. We ask you not to share a password with anyone.
Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our App; any transmission is at your own risk. Once we have received your information, we use strict procedures and security features to try to prevent unauthorized access.
We restrict access of your personal information to those employees of AT Services who have a business reason for knowing such information. We continuously educate and train our employees about the importance of confidentiality and privacy of customer information. We maintain physical, electronic and procedural safeguards that comply with the relevant laws and regulations to protect your personal information from any unauthorized access.
WHAT ARE YOUR RIGHTS?
You have the right to ask us not to process your personal data for marketing purposes by contacting us at AT Services by any of the following methods:
Email: cs@wizdraw.com
HK hotline: +852-2137-3011
Manila: +63-917-150-1346 & +63-2-8540-0008
Our App may, from time to time, contain links to and from the Apps of our advertisers and affiliates. If you follow a link to any of these Apps, please note that these Apps have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these Apps.
Note: Disclosures not subject to this option include: disclosures we need to make in order to conduct a transaction that you have request; disclosures to our authorized service providers and agents; disclosures that we are permitted or required to comply with by law or disclosures we need to make in order to prevent fraud or other illegal activities.
OUR USE OF COOKIES
- Our App uses cookies to distinguish you from other users of our App. This helps us to provide you with a good experience when you browse our App and also allows us to improve our App. For detailed information on the cookies we use and the purposes for which we use them see our Company Cookie Policy.ACCESS TO INFORMATION
Depending on applicable laws, you may have the right to access information held about you. Your right of access can be exercised in accordance with the relevant data protection legislation. Any access request may be subject to a fee to meet our costs in providing you with details of the information we hold about you.
CHANGES TO OUR PRIVACY POLICY
Any changes we may make to our privacy policy in the future will be posted on this page and, where appropriate, notified to you by e-mail. Please check back frequently to see any updates or changes to our privacy policy.
LAW AND JURISDICTION
This privacy policy and any dispute or claim arising out of the privacy policy is governed by Hong Kong law. Any dispute or claim arising out of or in connection with the privacy policy will be subject to the non-exclusive jurisdiction of the courts of Hong Kong.
CONTACT
Questions, comments and requests regarding this privacy policy are welcome and should be addressed to:
Email: cs@wizdraw.com
HK hotline: +852-2137-3011
Manila: +63-917-150-1346 & +63-2-8540-0008
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