Collection Purpose of Information

The use of this information is primarily for the following purposes:

1. Enter into relevant sale and purchase agreement;
2. Communication of services, sale and purchase transactions;
3. Payment transaction processing;
4. Settlement of fund, Refund or Cancellation, Dispute and/or Chargeback of the payment transaction;
5. Recurring payment service and/or tokenization;
6. General administration;
7. Manage and maintain customer account(s) and facility(ies) with iPay88;
8. Respond to customer enquiries and complaints and to generally resolve disputes;
9. Update, consolidate and improve the accuracy of iPay88 records;
10. Produce data, reports and statistics which have been aggregated in a manner that does not identify customer as an individual;
11. Conduct research and survey, which solely for analytical purposes including but not limited to data mining and analysis of customer transactions with iPay88;
12. Meet the disclosure requirements of any law binding on iPay88;
13. For audit, compliance and risk management purposes;
14. Any other purpose that iPay88 deem necessary and/or as required or permitted by any law, regulations, guidelines and/or relevant regulatory authorities.

Collection User Information

Personal data that iPay88 may collect:

1. Name, Age, Race, Gender, Nationality, IC Number, Passport Number, Date of Birth;
2. Contact Details such as House Number, Mobile Number; Email; Home Town Address; Correspondence Address; Delivery Address; Region or State of staying;
3. Credit Card details;
4. Bank Account number;
5. Any other information supplied by customer that can indirectly or directly identify customer, in order for iPay88 to carry out iPay88 contract with customer

Disclosure of Information

Customer personal data will be kept confidential unless customer consent and authorise iPay88 to provide or share customer Personal data to the following class of users:

1. Persons/Organisations required under law or in response to government requests;
2. Related, subsidiaries, holdings of iPay88, including future entities under iPay88;
3. Government agencies, statutory authorities, enforcement agencies under law;
4. Auditors, accountants, lawyers under iPay88
5. Contractors, sub-contractors, affiliates of iPay88;
6. Third party service /product providers that is deem necessary or appropriate for the purposes stated above (including those located out of Malaysia, under conditions of confidentiality and similar levels of security);
7. Persons under a duty of confidentiality to the iPay88;
8. Any other purpose that we deem necessary and/or as required or permitted by any law, regulations, guidelines and/or relevant regulatory authorities.
9. Data shared will be for the purpose as stated in this notice, or purposes not stated but directly related to the primary purpose of collection.
10. iPay88 may also share your Personal Data where required by law or where disclosure is necessary to comply with applicable laws, legal processes or queries from the relevant authorities.

Security Protection of Information

iPay88 shall take necessary steps to store and process customer personal data securely. iPay88 will undertake the following security steps:

1. Implementation of a formal information security policy and necessary technology controls such as firewall, password controls, physical security, logging and monitoring etc.;
2. Process controls such as segregation of duties, defined roles and responsibilities and need to know basis for staff;
3. Third party providers and contractors storing or processing personal data has implemented similar acceptable standards of security.

Welcome to iPay88 Cambodia App!

This Privacy Policy will help you understand the following:

1. What does this Privacy Policy apply to?
2. Information collection and use
3. Sharing and disclosure of information
4. Choice and data retention
5. Protection of information
6. Changes and notifications

1. What does this Privacy Policy apply to?

iPay88 (Cambodia) PLC. is located at Olympia building S2-13, 2nd floor, Charles De Gaulle Blvd (St. 217) Phnom Penh (120307), Cambodia. This Policy applies to the ipay88.com.kh website, including all subpages and successor pages (collectively referred to as the "Website"), and also applies to all software and services that we offer, including the iPay88 Cambodia App Checkout form that may be made available on a third-party website, or other services that we offer through our Website when you register for a iPay88 Cambodia App account (collectively referred to as the "Services").

This Policy does not apply to any website, product or service of any third-party company even if the website links to (or is linked from) our Website. iPay88 Cambodia App does not operate or control those websites, products or services. Please always review the privacy practices of a company before deciding whether to provide any information.

By using our Website or Services, you are accepting the practices described in this Policy. If you do not agree with this Policy, delete all cookies from your browser cache after visiting our Website and do not visit or use our Website or Services. Your continued use of our Website or Services signifies your acceptance of this Policy.

2. Information collection and use

Broadly speaking, we collect information in three ways: (1) when you provide it directly to us, (2) when we obtain verification information about you or your company through trusted third parties (e.g. banks, credit bureaus), and (3) passively through technology such as "cookies". The types of information that we collect and our use of that information will depend on whether you are a Website Visitor, Test User, Checkout User, or Live User, as described below.

Personal Information

In accordance with Cambodia's regulatory requirements for KYC and iPay88 Cambodia App's internal policies, you provide your express consent and agree that:

1. iPay88 Cambodia App may collect and use “Personal Information” of a user of the iPay88 Cambodia App's site to the extent iPay88 Cambodia App deems it necessary for providing and managing the services.
   1. The term "Personal Information", as used in this Policy, refers to any information that can be used to identify a specific person, such as selfie verification or selfie ID verification, or any anonymous information (e.g., an IP address) that is linked to a specific person. Personal information does not include information that has been aggregated or made anonymous such that it can no longer be reasonably associated with a specific person.
   2. A selfie document, also known as selfie ID verification, is a type of identity verification in which the user takes and uploads a selfie while holding a National Identification Card (NID) or Passport. In most selfies, the National Identification Card (NID) or Passport will be next to or below the user's face.
      • This type of selfie verification serves two functions. First, it allows for a quick comparison of the selfie and the National Identification Card (NID) or Passport . Second, by requiring the user to perform a specific action — holding their National Identification Card (NID) or Passport in a specific way—while taking the selfie, it combats spoofing attempts that may rely on artificially generated or social media images.
2. iPay88 Cambodia App may collect information, including but not limited to the following:
   1. The user's Internet domain name;
   2. The user's Internet Protocol (IP) address;
   3. The user's identity information, such as name, date of birth, identification number, and genres if required;
   4. The user's contact information, such as an e-mail address, telephone number, or home address if required; and
   5. The user's clear picture of the identification document and a selfie photo of the user.
   6. Other information if required and when necessary for the operation of iPay88 Cambodia App's site.
3. iPay88 Cambodia App may or may use cookies ( information transmitted from iPay88 Cambodia App 's site to a user 's browser ands stored in the user's computer so that the server is able to identify the user) by providing notification to or seeking approval from the user through iPay88 Cambodia App's site.

Cookies and Web Server Logs

Similar to many commercial websites, we utilize "cookies" and other technologies to collect non-personally-identifiable information from our Website and from other websites that use iPay88 Cambodia App Checkout. "Cookies" are a feature of web browser software that allows web servers to recognize the computer used to access a website. Cookies store information accessed through your browser to streamline activities on related web sites, and make the online experience easier and more personalized. Information gathered through cookies and web-server log files may include information such as the date and time of visits, the pages viewed, IP addresses, links to/from any page, and time spent at a site. We use cookie data to measure web traffic and usage activity on our Website for purposes of improving and enhancing the functionality of our Website, to look for possible fraudulent activity, and to better understand the sources of traffic and transactions on our website and the websites of merchants that use iPay88 Cambodia App Checkout. Cookies also allow our servers to remember your account information for future visits and to provide personalized and streamlined information across related pages on our Website and also across other websites or applications that use iPay88 Cambodia App Checkout. Log files are used to monitor, measure, analyze, improve, and troubleshoot our Services. You can choose to disable cookies for our Website but this may limit your ability to use our Website and Services; see below in Section 4. ("Choice and data retention").

In order to understand and improve the effectiveness of our advertising, we may also use web beacons, cookies, and other technology to identify the fact that you have visited our Website or seen one of our advertisements, and we may provide that information to one or more third party advertising networks. The information we provide may include the time and date of your visit to our website, pages viewed, links clicked and other non-personally identifying information. Those advertising networks may recognize the web beacon or cookie associated with your visit to our Website when you visit other websites on which they serve advertising, and they may make decisions about the advertisements you see based on it. We may choose to work with Google AdWords, Doubleclick, AdRoll or other advertising networks. Each of these companies has its own privacy policy, which we encourage you to review.

Website Visitors

To simply browse our Website, you are not required to provide any Personal Information. However, we may gather non-personally-identifiable information, as described directly above, just for the purposes of monitoring and improving our Website and Services. We will not share this information with third parties except as a necessary part of providing our Website and Services, nor will we use it to target any advertisements to you.

Checkout Users

When you use iPay88 Cambodia App Checkout on a merchant's website to store your payment credentials, we will gather and store your payment card information, your email address, your mobile phone number, and billing and shipping address. We will use this information to complete purchases that you choose to make on other websites or applications that also use iPay88 Cambodia App Checkout, but only with your permission. We may also share your contact information, but not your card information, with merchants as part of your purchases. We will not share this information with other third parties except as a necessary part of providing our Website and Services. You should carefully review merchants' privacy policies to better understand how each uses your information.

Test Users

When you visit iPay88 Cambodia App, you have the ability to conduct a limited number of "test" transactions and experience the Services working – without registering for a iPay88 Cambodia App account. To monitor these test transactions, we collect your IP address, information about your computer, and other standard web log information. We also collect your Personal Information and any credit card information you provide to conduct the test transactions. We will not use this information to target any advertisements to you. We will share and disclose the Personal Information and credit card information only as described below in Section 3 ("Sharing and disclosure of information").

Live Users

To gain full access to our Website and Services, you must register for a iPay88 Cambodia App account. When you register for an account, we collect Personal Information when you voluntarily provide it to us, such as the following:

1. Your name, company name, location, email address, and phone number, and account password, to set up your account
2. Your business and personal tax information, or other government-issued identification or identification numbers, as well as your date of birth, to verify your identity for underwriting purposes
3. Your bank account information, to settle funds for your transactions
4. Your IP addresses, devices, and locations used to access iPay88 Cambodia App, which will be linked to your account for fraud detection/prevention purposes
5. We may retrieve additional Personal Information about you from third parties and other identification/verification services. With your consent, we may also collect additional Personal Information in other ways including emails, surveys, and other forms of communication. Once you begin using the Service through your iPay88 Cambodia App account, we will keep records of your transactions and collect information of your other activities related to our Services. The foregoing Personal Information will be shared and disclosed as described below in Section 3 ("Sharing and disclosure of information").

Children's Online Privacy Protection Act

Our Website and Services are directed to the general public. We do not knowingly collect information from children under 13 years of age or have any reasonable grounds for believing that children under the age of 13 are accessing our Website or using our Services. If we learn that we have inadvertently collected Personal Information from a child under age 13, we will delete that information as quickly as possible. If you believe that we might have any information from a child under age 13, please contact us.

3. Sharing and disclosure of information

iPay88 Cambodia App does not sell or rent your Personal Information to marketers or third parties.

We may share your Personal Information with trusted third parties who are integral to the operation of our Website and Services, including but not limited to financial institutions, payment processors, verification services and credit bureaus, as well as any third parties that you have directly authorized to receive your Personal Information. We may store your Personal Information in locations outside the direct control of iPay88 Cambodia App, for instance, on servers or databases co-located with hosting providers.

If you authorize an application to access your iPay88 Cambodia App account using iPay88 Cambodia App Connect, you acknowledge that we may share payment transaction data and related information with the third party that provides the authorized application. The use of your information by such third party will be subject to their applicable privacy policy, which you should carefully review.

We may disclose your Personal Information to law enforcement, government officials, or other third parties if: (i) we are compelled to do so by subpoena, court order or other legal process, (ii) we must do so to comply with laws, statutes, rules or regulations, including credit card rules, (iii) we believe in good faith that the disclosure is necessary to prevent physical harm or financial loss, to report suspected illegal activity, or to investigate violations of our Terms of Service.

We will only disclose your Personal Information in response to such a request if we believe in good faith that doing so is necessary to comply with applicable law or a legal obligation to which we are bound. If we receive such a request, we will use reasonable efforts to give you prompt notice, so that you may contest it if you choose. We won't provide you such notice if we determine in good faith that either (a) we are not permitted to provide it under applicable law, or (b) that doing so would result in an imminent risk of death, serious physical injury or significant property loss or damage to iPay88 Cambodia App or a third party.

In addition, in the event of a merger, acquisition, reorganization, bankruptcy, or other similar events, any information in our possession may be transferred to our successor or assign.

4. Choice and data retention

We are required to collect certain Personal Information to confirm your identity and comply with our obligations. If you elect to not provide Personal Information in optional fields it may limit your ability to use our Services. You can update your account information by signing on to our Website with your iPay88 Cambodia App account.

We may occasionally email you with information about offers or new services. You can opt out of these email communications by replying with unsubscribe in the subject line, or via an unsubscribe link included in such communications. However, you will continue to receive certain email communications related to your account including information regarding transactions and your relationship with iPay88 Cambodia App.

If you wish to opt out of having cookies set on your browser (as described above in Section 2, the only way to ensure that this happens is to manage the settings on your web browser to delete all cookies and disallow further acceptance of cookies. For more information, refer to your browser's technical information. You may also consider visitingaboutcookies.org, which provides helpful information about cookies. Note that disabling cookies on your browser prevents iPay88 Cambodia App from tracking your activities in relation to our Website and Services. However, it may also disable many of the features available through our Websites and Services. We therefore recommend that you leave cookies enabled.

iPay88 Cambodia App has a variety of obligations to retain the data that you provide us, both to ensure that transactions can be appropriately processed, settled, refunded or charged back, to identify fraud, and also to comply with laws applicable to us and to our banking providers and credit card processors. Accordingly, even if you close your iPay88 Cambodia App account we will retain certain information as necessary to meet our obligations.

5. Protection of information

Although no data transmission can be guaranteed to be 100% secure, we take reasonable steps to protect all Personal Information. iPay88 Cambodia App maintains strict administrative, technical, and physical procedures to protect information stored in our servers, which are located in the Singapore. Access to information is limited (through user/password credentials and software systems) to those employees who require it to perform their job functions. We use industry-standard Secure Socket Layer (SSL) encryption technology to safeguard the account registration process and sign-up information. Other security safeguards include but are not limited to data encryption, firewalls, and physical access controls to building and files.

6. Changes and notifications

We reserve the right, in our sole and absolute discretion, to make changes to this Policy from time to time. Please review this Policy periodically to check for updates. If any changes are material and/or retroactive, we may provide additional notice and/or an opportunity to "opt-in" as appropriate under the circumstances.

iPay88 Cambodia App will provide you with disclosures and alerts regarding this Policy by posting them on our Website, by emailing the email address listed in your iPay88 Cambodia App account, and/or by mailing to the physical address listed in your iPay88 Cambodia App Account. You agree that electronic disclosures and notices have the same meaning and effect as if we had provided you with a paper copy. Such disclosures and notices in relation to this Policy shall be considered to be received by you within 24 hours of the time it is posted to our Website or emailed to you (unless we receive notice that the email was not delivered).