Introduction
WOW Card ("we," "our," or "us") is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use the WOW Card service, WOW app, and related platforms (collectively, the "Service").
By accessing or using our Service, you agree to the collection and use of information as described in this policy. If you do not agree, please discontinue use of the Service.
Information We Collect
We may collect the following categories of information when you use our Service:
Information You Provide
- Account registration details (name, email address, date of birth)
- Identity verification documents as required by applicable law
- Payment and financial information required to operate your card
- Communications you send to our support team
Information Collected Automatically
- Device identifiers, IP address, and browser type
- App usage data and interaction logs
- Transaction history and card activity
- Location data (only when required for fraud prevention or regulatory compliance)
Information from Third Parties
- Identity verification data from KYC/AML service providers
- Transaction data from payment processors and card networks
- Fraud and risk signals from compliance partners
How We Use Your Information
We use the information we collect for the following purposes:
- Service delivery — to operate your WOW Card account, process transactions, and provide customer support
- Compliance — to meet our obligations under applicable financial regulations, anti-money laundering laws, and know-your-customer requirements
- Security and fraud prevention — to detect, investigate, and prevent fraudulent transactions and other illegal activity
- Communication — to send you transaction notifications, service updates, and support responses
- Improvement — to analyse usage patterns and improve the performance and features of our Service
- Legal obligations — to comply with applicable laws, regulations, and lawful requests from authorities
We do not sell your personal information to third parties for marketing purposes.
Information Sharing
We may share your information in the following circumstances:
Service Providers
We share information with trusted third-party vendors who assist in operating our Service, including payment processors, identity verification providers, cloud infrastructure providers, and customer support platforms. These providers are contractually obligated to protect your data.
Card Network and Banking Partners
Transaction data is shared with the card network (VISA) and our banking and issuing partners as necessary to process payments and operate the card programme.
Legal and Regulatory Requirements
We may disclose your information where required by law, court order, or governmental authority, including for anti-money laundering and counter-terrorism financing compliance.
Business Transfers
In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. You will be notified of any such change.
Data Security
We implement appropriate technical and organisational measures to protect your personal information against unauthorised access, alteration, disclosure, or destruction. These measures include:
- Encryption of data in transit and at rest
- Access controls limiting data access to authorised personnel only
- Regular security assessments and monitoring
- Incident response procedures for data breaches
While we take reasonable steps to protect your data, no security system is impenetrable. In the event of a data breach affecting your rights, we will notify you in accordance with applicable law.
Cookies and Tracking
Our website and app may use cookies and similar tracking technologies to enhance your experience and collect usage data. Types of cookies we may use include:
- Essential cookies — required for the Service to function
- Analytics cookies — to understand how users interact with our Service
- Security cookies — to detect and prevent fraudulent activity
You may configure your browser to refuse cookies, though this may affect the functionality of certain parts of our Service.
Your Rights
Depending on your location and applicable law, you may have the following rights regarding your personal information:
- Access — request a copy of the personal data we hold about you
- Correction — request that we correct inaccurate or incomplete data
- Deletion — request deletion of your personal data, subject to legal retention requirements
- Portability — request your data in a structured, machine-readable format
- Objection — object to certain types of data processing
- Withdrawal of consent — where processing is based on consent, withdraw it at any time
To exercise any of these rights, please contact us using the details in the Contact section below. We will respond within the timeframe required by applicable law.
Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will:
- Post the updated policy on this page with a revised "Last updated" date
- Notify you through the WOW app or via email where required by law
Your continued use of the Service after any changes constitutes your acceptance of the updated policy. We encourage you to review this page periodically.
Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:
We aim to respond to all enquiries within 10 business days.