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Privacy Policy

Article 1. Customer Consent

Under this Privacy Policy, "the Company", "We" refers to Digital Technology Connection Company Limited (DTC). The customer agrees to this Privacy Policy and fully consents to the collection, processing, cross-border transfer, or storage of Personal Information when the customer logs in to, accesses, or uses the Website, together with any related features, processes, functions, and services of the Website (collectively, the “Services”).

Article 2. Purpose and Scope of Information Collection

The information collected includes the customer's full name, telephone number, identity card or citizen identification number, date of birth, gender, marital status, email address, address, length of residence, occupational information, bank account, chat applications such as WhatsApp and Viber (if any) (“Personal Information”).

The Company collects information about emergency contacts provided voluntarily and manually by the customer within the application form (such as full name, telephone number, and relationship). This information is used strictly for identity verification or in cases where the customer is unavailable through primary communication channels, provided that the customer has obtained prior consent from such individuals for this specific purpose.

This information is collected so that the Company can contact the customer after receiving a request to enter into a transaction and so that we can provide new services and promotional policies when applicable.

The customer may choose not to provide some personal information, except for information that is mandatory in order for the customer's application or file to be processed. In that case, however, the customer may not be able to enjoy certain related conveniences that we provide, such as customer care and introductions to new services.

If the customer chooses not to provide any Personal Information that we request, or if the customer withdraws consent at any time during the use of our Services with respect to the collection, processing, and/or storage of any Personal Information as provided in this Privacy Policy, we reserve the right to reject the customer's request or to refuse continued use of any of our Services.

Article 3. Scope of Information Use

The information collected is used only within the scope necessary to process the customer's transaction request, provide notices, offer services, and conduct other activities related to transactions with the customer. We may use the customer's Personal Information to:

  • Support the customer's use of the Website's Services and/or access to the customer's account registration on the Website (if any).
  • Verify the customer's identity and contact information.
  • Provide our Services.
  • Process transactions and send notices about the customer's transactions.
  • Contact the customer and keep the customer updated on the performance of our Services.
  • Exchange information with the customer and handle the customer's requests.
  • Offer surveys, promotions, and marketing communications.
  • Upgrade the content and design of the Website.
  • Improve our Services.
  • Respond to any questions, comments, or concerns related to our Services.
  • Support the customer.
  • Exercise the Company's legal rights in order to protect the Company's interests.

Article 4. Service Providers (Third Parties)

We may engage third-party companies and individuals to support our Services, provide Services on our behalf, perform service-related work, or help us analyze how our Services are used.

These third-party service providers may access the customer's Personal Information only to perform work on our behalf and are obligated not to disclose, use, or store users' Personal Information for any other purpose.

Article 5. Sharing Personal Information

We may share the customer's Personal Information with third parties, including but not limited to the following:

  • Our licensed partner, Dong Credit, for the explicit purpose of credit evaluation and loan decision-making.
  • Our affiliated companies and/or members of our corporate family, including direct and indirect subsidiaries, to support the provision of the Services listed on the Website, to help monitor and prevent possible unlawful conduct, violations of our policies, and data analysis relevant to the use of the Website, including marketing communications.
  • Competent authorities or persons such as courts, law enforcement agencies, judges, controllers, or other relevant regulators when they request information from us, or when we believe disclosure of Personal Information is necessary to prevent actual harm or financial loss, or to report suspected unlawful activity or investigate violations of our Terms and Conditions.
  • Credit agencies and debt collection agencies for account reporting as permitted by law.
  • Customer support departments for the purpose of providing customer service.
  • Banking or financial partners, where permitted by law or required by contractual business relationships.
  • Legal departments, to ensure compliance with government rules and regulations and to protect us against harm to rights, property, or safety, other Website users, or the public, where required or permitted by law.
  • Service Providers, so that providers contracted with us can support our business operations, for example in fraud prevention, debt collection, marketing, customer service, and technology services.
  • Other cases to which the customer consents.

Information regarding emergency contacts manually submitted by the customer is strictly safeguarded and is not shared with third parties for marketing or debt collection purposes without explicit legal grounds or consent.

Please note that some third parties are based in countries other than Vietnam and are subject to different rules and regulations on the processing of Personal Information. By agreeing to this Privacy Policy, the user acknowledges that Personal Information may be transferred across borders to another country depending on the applicable laws and regulations, and the customer agrees to that transfer.

Article 6. Special Notice - Minors

The Website is not intended for individuals under 18 years of age, and we will not knowingly collect, use, provide, or process in any form any personal information of persons under 18 years of age.

Accordingly, we ask any person under 18 who uses this Website not to submit personal information, such as the user's name, address, or email address. If a person under 18 wishes to ask questions or use this Website in any way that requires providing the user's Personal Information, that person should ask a parent or guardian to do so on the user's behalf.

Article 7. Information Retention Period

We retain the customer's Personal Information during the time the customer uses our Services, and thereafter we will retain that information for five (5) calendar years or for another period depending on legal requirements. Under our data protection policy, we will securely destroy the customer's Personal Information in accordance with the law once the Personal Information is no longer necessary or relevant to our Services, unless otherwise required by applicable laws and regulations or unless requested by the customer.

Article 8. Accuracy of Personal Information

The customer's personal information collected on the Website will be kept strictly confidential in accordance with the law. Any use of customers' Personal Information outside the purposes stated in this Privacy Policy may be carried out only with the customer's consent or in cases provided by law.

We understand that the customer's Personal Information is a very important part of our business, and keeping that information secure is one of our highest priorities. Except as provided in this Privacy Policy, we do not disclose or share Personal Information with third parties without the customer's explicit consent. In addition, we take all reasonable procedures and efforts to ensure that all Personal Information received is kept confidential and secure, whether online or offline. We protect the customer's Personal Information through multiple technical and administrative security measures to minimize the risk of loss, misuse, unauthorized access, disclosure, or alteration. We may use or adjust these security measures from time to time as appropriate technology becomes available, such as firewalls, data encryption, and access controls for data centers.

All third parties that are permitted to access customer information under this Privacy Policy are required to comply with our confidentiality obligations.

If the servers storing information are attacked by hackers and this results in the loss of the customer's personal data, we will be responsible for promptly notifying the competent authorities for investigation and handling, and for notifying the customer.

Article 9. Use of “Cookies”

When the customer visits our Website, we may use “Cookies” or similar technology on the customer's computer or other device to record information. “Cookies” are small data files that may include identifiers and may be stored on the customer's hard drive to help us improve the customer's access to the Website and identify returning visitors. The customer is free to reject our “Cookies” on the customer's computer or other device, unless our “Cookies” are necessary for fraud prevention or to ensure the security of the Website we control. However, use of the Website may be limited if the customer does not accept our “Cookies.”

Article 10. External Links

The Website may contain links to other websites that are not operated by us. If the customer clicks on a third-party link, the customer will be directed to that third party's website. We strongly advise users to review the Privacy Policy of every website they visit. We do not control, and are not responsible for, the content, privacy policies, or practices of any third-party websites or services.

Article 11. General Provisions

This Privacy Policy takes effect from the date it is posted on the Website until a new document replaces it. Any prior documents that conflict with this Privacy Policy are no longer effective. This Privacy Policy is strictly designed and implemented in accordance with Decree No. 13/2023/ND-CP on Personal Data Protection of Vietnam.

We may amend this Privacy Policy at any time by uploading a revised version to the Website. We advise customers to review this Privacy Policy periodically for the latest information. Changes to this Privacy Policy take effect from the date they are uploaded to the Website. If we make material changes to this Privacy Policy and to the way we use the customer's Personal Information, we will post those changes on the Website and will use our best efforts to notify the customer of any material changes. By continuing to use our Services, the customer accepts and agrees to the updated terms of this Privacy Policy.

Article 12. Contact Information and Data Revocation

For any questions regarding the processing of your personal data, or if you wish to withdraw your consent and request the deletion of your data, please contact us at [email protected] or by mail at the following address: 62A Pham Ngoc Thach, Ho Chi Minh City.