Privacy Policy

• “Wonder”, “we”, “us”, or “our” refers to Bindo Labs Limited (hereafter called “Bindo”, “the Company”) Bindo is the underlying legal entity, and ‘Wonder’ is the operating name used for Hong Kong operations.
• “Services” means the Wonder platform and all related products and services provided by Wonder, including but not limited to the Wonder App, Wonder Dashboard, Wonder Terminal, Wonder Website, and any associated technologies, APIs, or functionalities.
• “Sites” means our website, mobile application, and any other digital platforms through which we provide our Services.
• “Personal Information” means any information that identifies or relates to an individual.

• applicants or account-holders of Wonder products or Services;
• customers; and
• any third party transacting with or through us.

• When registering or creating an account with Wonder, we will collect information such as your name, phone number, physical address, email address and other information reasonably required to verify your identity, maintain account security, and verify and control access to your account.
• For complete access to Wonder’s services, we may collect additional information about you and the business parties you have affiliations with including but not limited to:
  (i) Name, address, phone number, email address, date of birth, your photos, nationality, information for the verification of identity – including identification document type and identification number – and additional information that may be required for identity/account authentication
  (ii) Tax ID number
  (iii) Details of your company’s bank account including account number, sort code and IBAN
• Wonder will also collect information about you from publicly available sources such as official registers and databases as well selected social media websites or apps to carry out our due diligence checks. In addition, we collect information from media stories and websites to ensure your business is legitimate and to verify screening results.
• We may also collect information about you from affiliates (by “affiliates” we mean other companies that Wonder has a contractual relationship with) who provide us with services such as “name screening” and biometric data capturing in order to help verify your identity which, in turn, allows us to improve the safety of our services. This includes being able to detect and respond quickly to any fraud or security risks.
• You acknowledge and agree that, where information relating to other parties is disclosed to Wonder by you, you have provided a copy of this Privacy Policy to such parties prior to your disclosure of their information to Wonder, and you have obtained all relevant consents from such parties for the use of their information in the manner as described in this Privacy Policy. You further represent and warrant that you have complied with the requirements of all Applicable Laws with respect to such information and its use by us for the purposes set out herein.
• We may also collect information directly or indirectly from your transactions with or through Wonder in the ordinary course of our business. This may include transaction data, information relating to deposits made or transactions executed through your Wonder App Card or other Wonder products and services, and information about your spending and saving behaviour.
• We may also collect payment-related information if you make purchases or payments through our Services, including billing details and payment instrument information. Where payment card information is collected, it is used only as necessary to process and authorise transactions and is handled in accordance with applicable security standards.
• We may also collect information through your use of our Services (our application, dashboard, terminal, website, or other platforms), including usage data, cookies, and data obtained through behavioural or location tracking technologies.
• We may also store and use communications you send to us, including feedback, complaints, questions, or support requests, in order to respond to you, investigate issues, and improve our Services.
• We may also collect and process biometric data, including facial images or facial recognition data, for the purpose of identity verification, fraud prevention, and security. Face data is collected solely to verify your identity and protect your account from unauthorised access. This data is not used for profiling, marketing, or any unrelated purposes. Face data is retained only for as long as necessary to fulfil these purposes and to comply with applicable legal and regulatory obligations. This means face data will be retained for the duration of your relationship with Wonder and for up to seven years thereafter, in line with anti-money laundering and regulatory record-keeping requirements. Face data is not stored indefinitely and will be securely deleted once it is no longer required. a globally recognized leader in AI-powered identity verification and fraud prevention. Jumio is trusted by major financial institutions and technology companies worldwide, and holds key security certifications including ISO 27001, SOC 2 Type 2, and PCI DSS. Jumio processes and stores face data on our behalf in accordance with its own privacy and data retention policies and applicable data protection laws. Jumio may retain face data for as long as necessary to provide identity verification services to Wonder and to comply with its legal and regulatory obligations, after which such data is securely deleted or anonymised in accordance with its retention policies. Jumio is contractually required to implement appropriate technical and organisational measures to protect face data and may only use such data for identity verification, fraud prevention, and compliance purposes.
• We may also store, display, and use any reviews, feedback, comments, or other content that you submit through our Services which is intended to be visible to others, in connection with operating and promoting our Services. You should avoid including unnecessary personal information in such content, as it may be visible to other users.
• We may also receive information about you from third-party services if you choose to link your Wonder account with such services or import contacts from another platform, in accordance with your settings and the permissions you grant. We may use this information to help you connect with others, personalise your experience, and provide relevant features within our Services.

• our partner banks, merchant acquiring companies, financial institutions, insurers, credit card companies, securities and investment service providers, and other financial services companies;
• marketplaces, e-commerce platforms, and other counterparties with whom you conduct business, in order to facilitate your transactions and the disbursement of proceeds;
• our agents, contractors, service providers, and professional advisers under a duty of confidentiality to us who provide administrative, telecommunications, identity verification / know-your-customer, computer, payment, transaction processing, cloud storage, data processing, data analytics, cybersecurity, securities clearing, marketing, audit, professional advisory, or other services to us in connection with the operation of our business or the provision of our Services;
• our affiliates and any person who owes a duty of confidentiality to us;
• our employees and any person who works for us or provides services to us;
• auditors, internal risk teams, and other persons supporting our audit, compliance, corporate governance, fraud prevention, risk management, or suspicious activity monitoring functions;
• any interface, including an application programming interface, that links to, or otherwise makes available, information about our products or services;
• reward, loyalty, co-branding, and privileges programme providers, and our co-branding partners;
• charitable or non-profit making organisations, where relevant;
• any actual or proposed assignee, transferee, participant, sub-participant, or purchaser of all or any part of our business, assets, or rights;
• any law enforcement agencies, judicial authorities, regulatory bodies, governmental authorities, tax authorities, self-regulatory bodies, industry associations, or any person or entity to whom we have an obligation under Applicable Laws, regulations, guidelines, investigations, demands, or requests to disclose information, provided that such disclosure is made under proper authority;
• any shareholder of Wonder and their affiliates, and any person who works for or provides services to them, where permitted by law;
• other Wonder customers where disclosure is necessary in connection with your use of Wonder products or services; and
• any other person where the public interest requires such disclosure or where you have given your express or implied consent.

• your name and contact details;
• your demographic data;
• the products and services provided to you by Wonder App, or any Shareholder;
• your saving and spending patterns and behaviour; and
• your financial background.

• financial, fiduciary, banking and related services and products;
• reward, loyalty or privileges programs and related services and products;
• services and products offered by any Shareholder;
• services and products offered by our co-branding partners (the names of such co-branding partners can be found in the application form(s) for the relevant services and products, as the case may be); and
• donations and contributions for charitable and/or non-profit making purposes.

• third party financial institutions;
• third party reward, loyalty, co-branding or privileges program providers;
• our co-branding partners; and
• charitable or non-profit making organisations.