W4S Mobile Application

Privacy Policy

Effective date: June 18, 2026

This Privacy Policy applies only to the W4S mobile application published on Google Play. It explains how the W4S mobile application collects, uses, stores, protects, and shares user data.

This Privacy Policy does not replace or modify the Privacy Policy applicable to the Wealth4S website or other services, unless expressly stated.

By using the W4S mobile application, users acknowledge that their data may be processed as described in this Privacy Policy.

1. Information We Collect

The W4S mobile application may collect and process the following types of information:

• Personal information: full name, phone number, email address, customer ID, user ID, or other information used to identify the user.
• Contacts / address book data: contact names and phone numbers from the user's device contact list, only when the user grants contacts permission and uses features such as creating group transactions, splitting bills, recording shared payments, or selecting transaction participants. Contact data is processed locally on the user's device to display a secure participant selection list, validate phone number formats, support multi-selection, and improve transaction accuracy. W4S Mobile does not upload the user's contact list to W4S servers, does not store the contact list, does not sell or share contact data with third parties, and does not use contact data for advertising.
• Account and authentication information: login ID, OTP verification status, authentication status, session information, token information, and security-related account data.
• Financial and service information: account-related information, transaction information, service request information, and service usage history.
• Device information: device ID, operating system, app version, IP address, push notification token, and other technical information required for app operation and security.
• Camera, QR, and KYC data: information processed when the user uses QR scanning, identity verification, document capture, or related app features.
• Location data: location information, only if the app provides location-based features and the user grants permission.
• Logs and diagnostics: crash logs, performance logs, application logs, security logs, and diagnostic information.

2. How We Use Information

We use the information collected through the W4S mobile application for the following purposes:

• To provide mobile banking, financial service, account management, and related application features.
• To authenticate users, verify identity, manage sessions, and protect user accounts.
• To process transactions, service requests, notifications, confirmations, and other user-initiated actions.
• To send OTP, push notifications, alerts, security messages, service messages, and other important communications.
• To improve application performance, reliability, security, functionality, and user experience.
• To detect, prevent, investigate, and respond to fraud, unauthorized access, suspicious activities, technical issues, or security incidents.
• To comply with legal, regulatory, accounting, audit, security, dispute resolution, and risk management requirements.

3. Data Sharing

We do not sell user personal data.

User data may be shared with authorized service providers, technology partners, payment or financial institutions, infrastructure providers, regulators, law enforcement agencies, courts, auditors, or legal authorities where such sharing is necessary for service operation, transaction processing, security, compliance, legal obligations, audit, dispute resolution, or fraud prevention.

Any third party that processes data on our behalf is expected to process such data only for authorized purposes and to apply appropriate security and confidentiality measures.

4. Data Security

We apply technical and organizational measures designed to protect user data against unauthorized access, loss, misuse, alteration, or disclosure. These measures may include encryption in transit, secure authentication, access control, monitoring, logging, system hardening, and security review procedures.

However, no method of transmission over the Internet or electronic storage is completely secure. We continuously work to maintain and improve the security of the W4S mobile application.

5. Data Retention

User data is retained only for as long as necessary to provide the application and related services, maintain security, process transactions, support user requests, resolve disputes, and comply with legal, regulatory, accounting, audit, fraud prevention, and risk management obligations.

Retention periods may vary depending on the type of data, the purpose of processing, contractual obligations, applicable law, and financial or regulatory requirements.

6. Account and Data Deletion

Users may request account deletion or data deletion by contacting us through the contact information below or through any account deletion request channel provided in the W4S mobile application.

Upon receiving a valid request, we will review and process the request in accordance with applicable laws, service requirements, security requirements, and regulatory obligations.

Certain data may be retained where required or permitted by law, financial regulations, accounting obligations, audit requirements, fraud prevention, security monitoring, legal claims, dispute resolution, or legitimate business obligations.

Before publishing this page, replace the contact email and/or data deletion request link below with the official Wealth4S support channel.

7. Third-party SDKs and Services

The W4S mobile application may use third-party SDKs and services, such as Firebase, push notification services, analytics services, crash reporting services, cloud infrastructure, security tools, or other technology providers.

These services may process limited device information, diagnostic data, usage data, crash data, push notification tokens, or other technical data for application operation, notification delivery, performance monitoring, security, troubleshooting, and service improvement.

8. User Permissions

The W4S mobile application may request permissions such as camera, notification, location, biometric, storage, or other device permissions depending on the features used. Permissions are requested only when required for related app features, such as QR scanning, identity verification, security authentication, notification delivery, or location-based services.

Users may manage app permissions through their device settings. Some app features may not function properly if required permissions are disabled.

9. Children's Privacy

The W4S mobile application is intended for users who are eligible to use financial or related services. It is not intended for children or users who are not legally eligible to use such services. We do not knowingly collect personal data from children through the W4S mobile application.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our application, services, legal requirements, regulatory requirements, or data processing practices. Updated versions will be published on this page with a revised effective date.

11. Contact Us

If users have any questions, requests, or concerns regarding this Privacy Policy or the processing of their data, they may contact us using the information below:

Company: Wealth4S

Email: [support@wealth4s.vn]

Website: https://wealth4s.vn

App Privacy Policy URL:  

© Wealth4S. This page is intended for the W4S mobile application privacy policy.