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 * 
 * HOME
 * ABOUT
 * FAQ
 * CONTACTS


ONE APP. TOTAL CONTROL


LEARN HOW TO SEAMLESSLY MAKE SAVINGS FOR YOUR FUTURE, CHOOSE THE BEST REMITTANCE
OPTION AND TAKE ACTION


WIZDRAW IS COLLABORATING WITH IBM TO HELP TRANSFORM THE MONEY REMITTANCE
EXPERIENCE USING BLOCKCHAIN TECHNOLOGY

We’re building the first joint family financial decision making system which
will enable the unbanked population of the world to track expenses, make
investment decisions set aside funds and more

DOWNLOAD APP
×




OUR TECHNOLOGY

Our advanced products and algorithms are leading a change in the current
traditional money remittance industry


WISDOM OF THE CROWD

Improve your financial decision-making with help from the crowd, maximise fund
withdrawals at minimal fees based on rankings posted by users


EXPENSES NOTIFICATIONS AND BUDGETING

Providing 24/7 immediate access to upcoming expense notifications, provides
family wide visual budgeting solutions based on optimal big data analysis.


GPS LOCATION IDENTIFICATION

Maps out the best location to withdraw your remittances together with figures
and fact lists on and their proximity to your family


FINANCIAL PLANNING AI

Based on family financial situations and circumstances, Wizdraw tracks historic
transactions, and suggests ways to save, invest and make payments

Who will benefit?

We have managed to create a first of its kind finance planning tool devoted
specifically for the needs of the unbanked foreign workers based overseas. Our
Joint family decision making algorithm will enable expense tracking, investments
decisions, make savings for a better future




Wizdraw KYC



The Wizdraw Blockchain Compliance System

A unique blockchain system based on the Hyperledger Fabric protocol, which the
Wizdraw names the “Blockchain Compliance System”. The blockchain compliance
system allows Wizdraw to provide, on a permissioned basis, each participant in
the Company’s remittance network – receiving agents, commercial banks, and
disbursement partners – information and data needed in order to comply with AML,
CTF and KYC regulations.


IN COOPERATION WITH




GET IN TOUCH

Have feedback, suggestion, or any thought about our app? Feel free to contact us
anytime, we will get back to you within 24 hours.



Address: Unit 14, Level 4, Chambers 401-403, Cyberport 1, 100 Cyberport Road,
Hong Kong

Office: (852) 3678 6741

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© WIZDRAW 2016-2021

 * Terms & conditions
   ×
   
   
   WIZDRAW TERMS & CONDITIONS
   
   
   TERMS AND CONDITIONS OF USE
   
   Wizdraw is owned by AT Services Limited ( “AT Services”). AT Services
   operates from its offices at Unit 22, 3/F. Cyberport 3, 100 Cyberport Road,
   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.

 * Privacy policy
   ×
   
   
   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:
   
    * - 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.
   
   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 you give us: You may give us information about you by filling
   in information requested in our App or by corresponding with us by phone,
   e-mail or otherwise. This includes (but is not limited to) information you
   provide when you register to use our App, transfer money using our App and
   when you report a problem with our App. The information you give us may
   include your name, date of birth, address, e-mail address and phone number,
   financial and credit card information, payment reason, personal description,
   geographic location, photograph, social security number and copies of
   identification, address proof and other documents.
   - 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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