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Terms & Conditions

Article 1. General Provisions

  • Digital Technology Connection Company Limited (the “Company”) is the entity that provides, manages, and operates the Website for users.
  • Privacy policy and information protection requirements. Any personal information or other sensitive information relating to any Website user will be collected, stored, and transferred using appropriate security measures in strict compliance with the laws of the Socialist Republic of Vietnam. By continuing to use the Website and by providing the information required by the Website, the customer agrees to the disclosure of information.
  • By using the Website, the customer confirms that the customer has read, understood, and unconditionally agrees to be bound by all of the following terms and conditions (“Terms & Conditions”), whether or not the customer is a registered member of the Website.
  • These Terms & Conditions take effect from the date of publication on the Website until replaced by a new document. Any previous documents inconsistent with these Terms & Conditions cease to be effective.
  • We may amend these Terms & Conditions at any time by uploading a revised version to the Website. We recommend that customers read these Terms & Conditions carefully, and they take effect from the date they are uploaded to the Website. If we make material changes to the Terms & Conditions and to the way we use the customer's Personal Information, we will post those changes on the Website. By continuing to use our Services, the customer accepts and agrees to the updated terms of this Privacy Policy.

Article 2. Changes to the Terms & Conditions

The Terms & Conditions may be amended unilaterally from time to time without prior notice. All changes are published immediately on the Website after notice is given to all registered users of the Website and will take effect from the date specified in the updated version of the Terms & Conditions and/or the notice, as applicable. Use of the Website after publication of an updated version of the Terms & Conditions will be deemed acceptance of those Terms & Conditions.

Article 3. Area of Use

The Website is designed and intended to provide technology-based financial connection services within the territory of the Socialist Republic of Vietnam. However, the Website may be accessed and opened for general use worldwide.

Article 4. Registration

By registering on the Website, the customer represents and warrants that:

  • The information, declarations, documents, representations, and warranties made, provided, or evidenced by any updated document submitted to the Website are and will at all times remain true and accurate in all respects and in strict compliance with applicable law.
  • The customer has full legal capacity and the ability to be bound by contract (an individual must be at least 18 years old).
  • In the case of a loan registration, the customer is a Vietnamese citizen residing within the territory of the Socialist Republic of Vietnam.
  • When registering for a loan, the customer unconditionally agrees to use the customer's currently used mobile phone as security (pledged collateral) for the loan, as detailed in the pledge loan agreement.
  • If there is any change in residence address, telephone number, or email address, the customer must notify, adjust, and update the information on the Website.
  • The Website reserves the right to reject a loan application without stating a reason.
  • The privacy policy published on the Website must be accepted in order to complete registration with the Website. The privacy policy sets out the Website's policy on the privacy of the collection, use, retention, processing, disclosure, and security of users' information when customers use the Website. This Privacy Policy applies to all personal and sensitive information processed through the Website.

Article 5. Use of the Website

  • Use of the Website requires stable, continuous access and may also require periodic hardware or software updates. All fees and costs related to use of the Website, including telecommunications and data charges, are borne by the user.
  • The Website may only be used for the limited purposes stated in these Terms & Conditions. The Website must not be used for the following purposes:
  • Any illegal or unlawful purpose.
  • Collecting and/or stealing information from the Website, content subject to agreements among the parties, or personal information of Website users.
  • Any conduct that adversely affects the operation of the Website in any manner.
  • Interrupting the operation of the Website, including but not limited to the use of special code or software to control or alter functions available on the Website; and
  • Any other action that may damage the Website's infrastructure or the utility of the Website.
  • The Website's operating hours may change after mandatory maintenance work, and all users will be notified in advance within an appropriate time period.
  • All instructions received from a registered user's account are deemed accurate. However, the Website reserves the sole and absolute right to suspend a customer's account if an instruction is unclear, lacks necessary information, the customer's identity cannot be verified, there are grounds to regard the content as unlawful, or the instruction is considered harmful to the account.

Article 6. Intellectual Property Rights

  • The Company owns, or has been validly granted a Hom-yang license (transfer of use rights), as applicable, to use all intellectual property rights on the Website and all content published on the Website.
  • No use of, or registration on, the Website shall be construed as a legal basis for transferring any intellectual property rights of the Company. All trademarks, names, images, and textual content may be used only with the prior written consent of the Company.
  • The Company reserves the right to take necessary legal action and impose sanctions in connection with any violation of Article 7 of these Terms & Conditions.

Article 7. Content

  • If the customer uses features that allow any content to be uploaded to the Company's Website, the customer bears full responsibility for that content and warrants that the customer has obtained the necessary consent and permission for disclosure of that information, including but not limited to personal information and information of any third party presented by the customer.
  • The Company reserves the sole and absolute right to remove any information, document, or other content uploaded through the Website if that information, document, or other content violates these Terms & Conditions, violates the law, or may infringe upon or harm the rights and obligations of any third party. Such information, documents, or other content must not:
  • Contain defamatory, discriminatory, or offensive information.
  • Contain hate speech, pornography, blackmail or threatening content, gambling, violence, or abuse of drugs, psychotropic substances, or other addictive substances, or encourage the public to commit violence or other unlawful acts.
  • Infringe any intellectual property rights of any party.
  • Be intended to deceive or unlawfully impersonate the customer or another person who has a relationship with the customer.
  • Impersonate the Company in carrying out illegal activities; or
  • Violate any legal obligation of any other third party, such as contractual duties or confidentiality obligations.
  • By uploading any document or content to the Website, the customer grants the right to use, copy, store, publish, reformat, and distribute the uploaded content to third parties for the performance of the Company's rights and obligations in serving the customer as a digital platform based on information technology. The customer may withdraw uploaded documents or content at any time. However, any rights already granted to the Company as stated above remain effective after such withdrawal unless specifically requested otherwise.

Article 8. Limitation of Liability

  • The Company provides, manages, and operates the Website among users. The lending relationship between the lender and the borrower is governed by the relevant loan agreement signed by the respective parties. The Company facilitates and supports complaint resolution for each user.
  • The Company does not guarantee or warrant any amount that may be obtained through use of the Website. The Company is not responsible for users' decisions when registering to use the Website.
  • If the customer breaches the representations and warranties stated above, the customer must indemnify for damages in all cases.
  • The Website may contain typographical, wording, or other errors, and the customer agrees to waive any legal liability of the Company in relation to those typographical, wording, or other errors.

Article 9. Indemnification

By using the Website, the customer agrees to release the Company, its directors, managers, officers, affiliates, agents, contractors, Hom-yang licensors (transfer-of-use-rights licensors), and assignees from liability for compensation in the event of a breach of these Terms & Conditions where the cause of the Company's alleged breach forms part of investigative activities into the customer's alleged violations of these Terms & Conditions or results from findings or decisions arising from investigations by competent state authorities.

Article 10. Termination

  • The customer acknowledges and agrees that the Company may decide to delete the customer's account maintained on the Website, restrict the customer's access to the Website, and terminate all relationships with the customer when there is a reasonable belief that the Terms & Conditions have been violated.
  • The customer has the right to terminate these Terms & Conditions by giving the Company seven (7) working days' prior written notice, provided that the customer has no outstanding unpaid loan balance (if the customer is a borrower). After termination of the Terms & Conditions, the Company has no obligation to grant access to information about previous activities on the Website.

Article 11. Communications and Electronic Documents

  • By registering for a loan, the customer agrees that all communications between the customer and the Company regarding services provided through the Website will be made using the customer's contact information shown when registering as a user. The Company reserves the right to determine the most appropriate method of communication. The Company may also communicate with the customer by publishing information on the Website.
  • The customer agrees to accept all documents, notices, and contracts sent through electronic channels via the Website and acknowledges that such delivery is effective and has the same legal effect as direct delivery. All documents, notices, and contracts sent through electronic channels via the Website may be electronically signed or digitally signed and have the same legal effect. Any consent given by the customer through electronic means is legally binding on the customer as a user of the service.

Article 12. Use of Cookies and Similar Technologies

  • The Website uses HTTP cookie technology. Cookies are small data files written to and stored on the customer's electronic device by a Website the customer has visited so that the Website can identify the customer on subsequent browsing or access sessions. Cookies are used for many purposes, such as storing customer preferences, for example language selection, so that the customer does not need to enter the same information every time the customer browses or accesses the Website, understanding how the customer browses or accesses the Website, improving Website performance, and assessing the effectiveness of the Company's marketing activities.
  • The customer may block or disable cookies or similar technologies through the appropriate settings on the customer's device or browser.

Article 13. Third-Party Website Links

From time to time, the Website may contain links to third-party websites outside the Company's control. The Company is not responsible for any information or content on those other websites and does not guarantee the protection or security of any information the customer provides on those websites.

Article 14. Other Terms

  • The customer may not assign the customer's rights and obligations under these Terms & Conditions to any third party without the Company's prior written consent. The Company may assign its rights and obligations under these Terms & Conditions to any third party without the customer's consent.
  • If any provision of these Terms & Conditions is invalid, that provision does not affect the validity of the other provisions of the Terms & Conditions.
  • Any assignment of obligations under these Terms & Conditions may be made only expressly in writing and signed by the relevant party.
  • These Terms & Conditions apply regardless of how the customer accesses the Website, including through the Website or a mobile application.

Article 15. Governing Law and Dispute Resolution

  • These Terms & Conditions and the matters governed by them are subject to the laws of the Socialist Republic of Vietnam.
  • All disputes arising from or relating to these Terms & Conditions and the matters governed by them shall be resolved exclusively by the competent courts in Vietnam.