Beruwang Privacy Policy

Last updated: 17 October 2026

This Privacy Policy describes how your personal information is collected, used, and shared when you use the Beruwang app ("the App") provided by Bayaq PLT, a company registered in Malaysia.

Beruwang is a budgeting app. You split your salary into budgets ("tins"), savings ("tabung") and bills, and the App records what you spend so you can see what is left. Money data is the core of the service. The App never connects to your bank account, never asks for your bank login, and cannot move money.

1. Information We Collect

a. Account information. If you sign in with Apple, we receive a user identifier and, if you choose to share them, your name and email address (which may be an Apple private relay address). If you sign in with Google, we receive your name and email address. We never receive your Apple or Google password.

b. Your budget. What you enter during setup and afterwards: your salary amount and the days it usually arrives, other income, your tins and their amounts, your savings tabung and their balances, and your bills with their amounts and due days.

c. Payments and money received. For each payment: the amount, the date, the merchant name, how it was paid (for example QR, card or transfer), the bank's reference number, which tin it belongs to (or how it is split across tins), any tags, and the tax relief it counts for. For money received: the amount, the date and who sent it.

d. Bank and e-wallet notifications. Logging payments automatically works from the notifications your bank and e-wallet apps already show on your phone.

The notification text is sent to our servers, read to find the amount, who you paid or received money from (a shop, or a person's name for a transfer), payment method and reference, and then discarded. We store only those details, not the notification itself.

When money moves between your own accounts (for example from your bank to your e-wallet), Beruwang matches the two notifications by amount, time and the name on them, so the move is not counted as spending. To do this we keep your name as your bank writes it.

e. Bank and credit card statements. During setup you can choose statement files (PDF or images) so the App can work out your usual monthly spending, bills and savings. If a PDF is password-protected, you type the password on your phone and the file is unlocked on the phone; the password is never sent to us. The statements are sent to our servers and to our AI provider to list the transactions in them, and are used only for that setup. We do not store the statement files or the list of transactions; only the budget you then choose is saved.

f. Receipts. If you photograph or upload a receipt, the image is stored in private storage linked to your account, along with what was read from it (merchant, date, total and line items). Receipts are used to log or check a payment, to split it across tins, and as evidence for tax relief.

g. Conversations with the coach. The App includes an assistant ("the coach") that answers questions about your money and can make changes you approve. We store your conversations so they follow your account, a record of each change the coach made so it can be undone, and short notes the coach keeps about your goals and preferences (for example "Saving for a car by 2027"). You can see and delete those notes in the App.

h. Voice. If you speak to the coach instead of typing, the recording is sent to our servers and our speech-to-text provider to turn it into text. The recording is not kept.

i. Tax relief. The App suggests which payments may count for Malaysian income tax reliefs, based on the merchant, and lets you change them. These choices are stored with the payment.

j. Purchases. If you subscribe, the purchase is handled by the App Store or Google Play. We and our purchase provider receive the status of your subscription and an anonymous purchase identifier, not your payment card details.

k. Kept only on your phone. Reminders (for example the morning after your salary is due) are scheduled on your phone. The home screen widget reads a copy of your tins kept on your phone. Your appearance setting stays on your phone.

2. How We Use It

a. To run your budget: fill your tins when your salary arrives, file each payment into a tin, and show what is left.

b. To log payments automatically from bank notifications and receipts, and to avoid logging the same payment twice.

c. To set up your budget from your statements.

d. To answer your questions through the coach and make the changes you approve.

e. To work out possible tax reliefs.

f. To keep your data in sync across your devices and to restore it when you sign in again.

3. Artificial Intelligence

Some features send data to AI providers to process it: reading statements and receipts, sorting a payment you have not sorted, answering the coach, and turning voice into text. For the coach, this includes the parts of your budget and payments needed to answer. The provider processes the data to return a result to us. We do not use your data to train AI models. The coach's answers are information to help you manage a budget, not financial, tax or legal advice.

4. What We Do Not Do

a. We do not sell your personal information.

b. We do not show advertising, and we do not use your data for it.

c. We do not track you across other apps or websites.

d. We do not ask for or store your bank login, card numbers or PINs, and the App cannot move money.

e. We do not collect your location, contacts or photo library (the App sees only the photos and files you choose).

f. We do not store your statements or the text of your notifications.

5. Sharing Your Information

We use these service providers to run the App, and they receive only what they need for their part:

Some of these providers process data outside Malaysia. We may also share information to comply with applicable laws and regulations, respond to a lawful request, or protect our rights.

6. Security

Data is sent over HTTPS and stored using industry-standard security measures. Each account can read only its own data. Receipt images are held in a private bucket and are served only to their owner through short-lived signed links. We take reasonable precautions to protect your personal information from loss, misuse, unauthorized access, disclosure, alteration, or destruction.

7. Data Retention

8. Your Choices and Rights

a. You can turn off automatic logging at any time: on iPhone, turn off or delete the automation in the Shortcuts app; on Android, remove Beruwang's notification access in Settings. You can also disconnect a bank inside the App.

b. You can revoke camera, microphone, notification or photo access at any time in your device's Settings. The App keeps working without them; you just enter payments yourself.

c. You can edit or delete any payment, tin, tabung, bill or coach note in the App.

d. You can delete your account at any time from Settings inside the App, or by following the steps at tied.fit/beruwang/delete-account. This cannot be undone.

e. Under Malaysia's Personal Data Protection Act 2010 and similar laws, you may ask to access or correct your personal data, or limit how it is processed, by emailing us at the address below.

9. Children

Beruwang is not directed at children under 13, and we do not knowingly collect personal information from them.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. The date at the top of this page reflects the most recent revision. If a change affects how we use data you have already given us, we will tell you in the App.

11. Contact

Questions about this Privacy Policy or your personal information can be sent to hazmi@tied.fit.