Summary: GSF Digital eWallet (operated by SkyNet Dynamics S.A. and Al Barakha Horizon Sdn Bhd) collects personal information to provide banking and financial services. We do not sell your data. We protect it using industry-standard security measures and comply with applicable data protection laws including PDPA Malaysia and GDPR where applicable.
1. Who We Are
Global Server Forensic Digital eWallet ("GSF", "we", "us", "our") is a financial technology platform operated by SkyNet Dynamics S.A. and Al Barakha Horizon Sdn Bhd. Our registered address is Malaysia. We provide digital banking, remittance, investment, and related financial services.
For privacy inquiries, contact us at: privacy@gsf-digitalbank.com
2. Information We Collect
2.1 Information You Provide
- Full name, date of birth, nationality, and government-issued identification
- Contact details: email address, phone number, residential address
- Financial information: bank account details, transaction history, source of funds
- KYC/AML documentation: selfies, identity documents, proof of address
- Communications: messages, support tickets, and correspondence with GSF
2.2 Information Collected Automatically
- IP address, device type, browser, and operating system
- Session activity, login timestamps, and navigation data
- Transaction metadata and API usage logs
- Cookies and similar tracking technologies (see Section 7)
2.3 Information from Third Parties
- Identity verification providers (biometric and document checks)
- Credit bureaus and fraud prevention agencies
- Payment networks (SWIFT, Visa, Mastercard) for transaction processing
- Regulatory and government databases for compliance screening
3. How We Use Your Information
- To open and manage your GSF account and provide requested services
- To verify your identity and comply with KYC/AML legal obligations
- To process payments, remittances, and other financial transactions
- To detect, prevent, and investigate fraud and security breaches
- To communicate account updates, alerts, and service notifications
- To improve our platform, conduct analytics, and develop new features
- To comply with applicable laws, regulations, and legal proceedings
4. Legal Basis for Processing
We process your personal data under the following legal bases:
- Contract performance — to fulfill our obligations under your account agreement
- Legal obligation — to comply with financial regulations, AML/CFT laws, and tax reporting requirements
- Legitimate interests — for fraud prevention, security, and improving our services
- Consent — for marketing communications and optional analytics (you may withdraw at any time)
5. How We Share Your Information
We do not sell your personal data. We may share it with:
- Service providers — payment processors, cloud infrastructure, identity verification, and customer support partners bound by confidentiality agreements
- Financial institutions — correspondent banks, SWIFT members, and clearing houses necessary to process your transactions
- Regulatory authorities — Bank Negara Malaysia, FINTRAC, FinCEN, and other regulators as required by law
- Law enforcement — when legally required or to protect against fraud and illegal activity
- Business transfers — in connection with a merger, acquisition, or sale of assets (subject to continued privacy protections)
6. Data Retention
We retain your personal data for as long as your account is active and for a minimum of 7 years after account closure, as required by financial regulations and anti-money laundering laws. Transaction records are retained for a minimum of 10 years. You may request deletion of non-mandatory data by contacting us.
7. Cookies and Tracking
We use session cookies essential for platform functionality (authentication, security tokens). We do not use third-party advertising cookies. You may disable non-essential cookies in your browser settings without affecting core platform functionality.
8. International Data Transfers
Your data may be processed in countries outside your country of residence, including Malaysia, Singapore, the European Union, and the United States, where GSF operates infrastructure and uses service providers. All international transfers are conducted under appropriate safeguards including standard contractual clauses where applicable.
9. Your Rights
Depending on your jurisdiction, you may have the right to:
- Access a copy of your personal data held by GSF
- Correct inaccurate or incomplete information
- Request deletion of data (subject to legal retention requirements)
- Object to or restrict certain processing activities
- Data portability — receive your data in a machine-readable format
- Withdraw consent for consent-based processing at any time
- Lodge a complaint with your local data protection authority
To exercise any of these rights, contact privacy@gsf-digitalbank.com with your request and proof of identity.
10. Security
We implement industry-standard security measures including end-to-end encryption (TLS 1.3), AES-256 data encryption at rest, multi-factor authentication, continuous intrusion detection, and regular third-party security audits. GSF is aligned with PCI-DSS and ISO 27001 frameworks. No system is completely secure; we will notify you promptly in the event of a data breach affecting your personal information.
11. Children's Privacy
Our services are not directed to individuals under the age of 18. We do not knowingly collect personal data from minors. If we become aware that we have collected data from a minor, we will delete it promptly.
12. Changes to This Policy
We may update this Privacy Policy from time to time. We will notify registered users of material changes via email or in-platform notification at least 30 days before changes take effect. Continued use of our services after the effective date constitutes acceptance of the updated policy.
13. Contact Us
For privacy-related enquiries, data subject requests, or complaints: