Internal Policy Portal
All policy documents for Bayarcash Sdn. Bhd., including internal governance, compliance, and operational policies. Access restricted to authorised staff.
Corporate & Governance Policies
Code of Conduct & Ethics Policy
Sets the standards of ethical behavior and professional conduct expected of all employees and stakeholders.
Conflict of Interest Policy
Provides guidance on identifying, disclosing, and managing conflicts of interest within the organization.
Corporate Governance Policy
Establishes the governance framework, board responsibilities, and oversight mechanisms for Bayarcash.
Whistleblowing Policy
Establishes channels and protections for reporting suspected misconduct, fraud, or unethical behavior.
Anti-Bribery & Anti-Corruption (ABAC) Policy
Establishes standards for preventing bribery and corruption in compliance with the MACC Act 2009.
Risk & Compliance Policies
Enterprise Risk Management (ERM) Policy
Establishes the framework for identifying, assessing, and managing enterprise-wide risks across the organization.
Malaysian Fintech Compliance Summary
Comprehensive regulatory landscape reference for Bayarcash as a Malaysian payment service provider, covering BNM, PDPA, AML/CFT, RMiT, PCI-DSS, and PayNet requirements.
Compliance Policy
Establishes the compliance framework for adhering to applicable laws, regulations, and industry standards.
Anti-Money Laundering & Counter-Financing of Terrorism (AML/CFT) Policy
Establishes a framework to prevent money laundering and terrorist financing activities in compliance with FATF standards.
Sanctions Screening Policy
Ensures compliance with international sanctions requirements through systematic screening of customers and transactions.
Data Protection & Privacy Policy
Outlines the principles and controls for protecting personal data in compliance with PDPA and data protection regulations.
Fraud Risk Management Policy
Defines the strategy and procedures for preventing, detecting, and responding to fraud risks.
Outsourcing Risk Policy
Defines principles and procedures for managing risks associated with outsourcing services to third-party providers.
Operational & Security Policies
Technology & System Change Management Policy
Ensures all technology and system changes are managed through a controlled and documented process.
Access Control & User Management Policy
Defines access control principles, user account management, and authentication requirements for systems.
Transaction Monitoring & Fraud Detection Policy
Establishes guidelines and procedures for monitoring financial transactions and detecting fraudulent activity.
Record Retention Policy
Establishes the framework for retention, storage, protection, and disposal of organizational records.
Business Continuity Plan & Disaster Recovery Policy
Defines the framework for maintaining business operations and recovering from disruptions or disasters.
Incident Response Policy
Outlines the procedures for detecting, reporting, and responding to security incidents and breaches.
Encryption Standards Policy
Defines the encryption standards and cryptographic controls for protecting data at rest and in transit.
Cybersecurity Policy
Establishes the commitment to protecting information systems and data against unauthorized access and cyber threats.
Information Security Policy
Establishes the principles and requirements for protecting organizational information assets and systems.
Customer-Facing Policies & Agreements
Privacy Policy
Explains how Bayarcash collects, uses, shares, and protects personal information from users and merchants.
Terms & Conditions
Terms and conditions governing the use of Bayarcash services by merchants and end-users.
Cookie Policy
Explains how Bayarcash uses cookies and similar tracking technologies on the website and application.
Acceptable Use Policy (AUP)
Outlines acceptable and prohibited activities for users of Bayarcash services, including merchants and end-users.
Chargeback Handling Policy
Establishes the procedures for handling chargebacks, including dispute resolution and merchant obligations.
Refund & Dispute Resolution Policy
Outlines the procedures for processing refunds and resolving payment disputes between merchants and customers.
Merchant Service Level Agreement (SLA)
Defines the service levels, uptime commitments, and support terms for Bayarcash merchant services.
Merchant Onboarding & KYC Policy
Establishes the standardized process for merchant onboarding, KYC verification, and due diligence requirements.
Personal Data Protection Act 2010 (PDPA) Notice
Personal Data Protection Act 2010 notice explaining how Bayarcash collects, uses, processes, and protects your personal data.
Terms & Conditions for Direct Debit Service
Terms and conditions governing the Direct Debit service facilitated through Bayarcash and PayNet.
Human Resource (HR) Policies
Staff Training & Awareness Policy
Ensures all employees receive adequate training on compliance, security, and operational procedures.
Employee Handbook
Comprehensive guide covering employment policies, benefits, workplace conduct, and organizational procedures.
Remote Work & IT Asset Usage Policy
Governs remote work arrangements and the acceptable use of company-issued IT assets and equipment.
Disciplinary Policy
Ensures a fair, consistent, and transparent approach to managing employee conduct and disciplinary actions.
Recruitment & Background Screening Policy
Defines the procedures for recruitment, hiring, and conducting background checks on prospective employees.
Third-Party & Vendor Agreements
Vendor / Supplier Agreement
Template agreement governing the terms and conditions for vendor and supplier relationships.
Data Processing Agreement (DPA)
Sets out the terms under which Bayarcash processes personal data on behalf of clients as a data processor.
Outsourcing & Service Provider Agreement
Template agreement governing the terms and conditions for outsourcing services to third-party providers.
Important Information
Document Updates
All policy documents are regularly reviewed and updated to ensure compliance with current regulations and industry best practices.
Questions?
If you have any questions about these documents, please contact our compliance team at compliance@bayarcash.com .
Registered Office
PT 2499 Tingkat 1, Kampung Cherang, 15200 Kota Bharu, Kelantan