Privacy Policy
Privacy Notice
This Privacy Notice applies to your interaction with KOMJEY Corporation or an of its subsidiaries (collectively " KOMJEY," " we,& " us," " our").This Privacy Notice is effective as of December, 1st 2020.
We take your privacy and the security of information about you seriously.This Online Privacy Policy explains how we collect and use personal information through our website, komjey.com, mobile application(s) and all related applications, services and tools (collectively, our “ Service”), including how we may use such information for advertising purposes.Our data sharing practices are also governed by the KOMJEY Privacy Notice, which explains the choices you may have in the use and sharing of information about you.
This policy is incorporated into KOMJEY’ s Terms of Service, and yo consent to this policy is a material term of our Terms of Service.By access or using our Service, you signify that you have read, understood, and agr our collection, storage, use, and disclosure of personal information ab u as described in this Online Privacy Policy, our Privacy Notice, and our Terms of Service.
Online Privacy Policy
This Online Privacy Policy applies to all online and offline interactions wit KOMJEY Corporation or any of its subsidiaries (collectively " KOMJEY,&q " we," " us," " our") as more specifica ted below and our practices relating to the personal information we collect from you.This Online Privacy Policy is effective as of December, 1st 2020.
Modification of this Privacy Policy
We may amend this Privacy Policy at any time by posting a revised version o our website.The revised version will be effective as of the publish effective date.If there are substantial changes to our sharing practices, will provide you with notice 30 days prior to the effective date which we post in our Policy Update page of our website.After the 30-day notice continued use of the Service constitutes express acceptance to all changes to the Privacy Policy.This Policy was last updated on December, 1st 2020.
CATEGORIES OF PERSONAL INFORMATION WE COLLECT AND HOW WE USE IT
We collect information you provide KOMJEY when you interact with us directly o through a third-party, such as when you register for our Service, apply fo loan or to be an investor, sign up for our mailing list, or othe communicate with us.We use all of the information we collect to op maintain, improve and provide to you the features and functionalit he Service and to create new features.The types of personal infor we collect depends on the products and Service you request and use. is a list of categories of personal information we collect and have c ed and disclosed for a business purpose, the sources from which the i tion was collected, the business purposes for which the information wa ected, and categories of third parties with whom the information was shared in the last 12 months.
Identifiers
- Types.This information may include a real name, alias, postal address, telephone number, unique personal identifier, online identifier, Intern Protocol address, email address or other communication information, acc name,or identification card number, passport number, or other s identifiers or identity verification information.This information may also include club membership or reward-based program identifiers.
- Sources.We collect this information from you, and from third parties, including information we request from credit reporting agencies, and servi providers.This information may include information you provide and that receive through referral activities.With your permission, we may access and import your contact list available through your email accounts.
- Purposes.We use this information to verify your identity, facilitate transactions, to advertise to you, and to create your borrower or invest profile and account.We may use your contact list information, if you cho to provide it, so that we may invite your friends and contacts to co with our Service and to provide credit to you for referrals.Certain pe information must be supplied during the investor and/or borrower regi processes in order to meet our legal obligations, facilit it eligibility decisions, protect against fraud and complete your ion. We may use this information to communicate directly with you, s o send you direct mail and email marketing messages or advertisin suppress such messages.We may also send you Service-related emails o es (e.g., account verification, change or updates to features of the , technical and security notices).For more information about your communication preferences, see " Control Over Information" below.
- Sharing.We share information in this category with KOMJEY companies, third-party service providers, other third parties, originating bank purchasers, prospective purchasers, credit bureaus, parties to a com transaction, and legally interested parties as described in SHARING OF INFORMATION section.
Commercial Information
- Types.This information may include records of personal property, products or services purchased, obtained, or considered, or other purchasing or consumi histories or tendencies.This information may include details about prope used to secure a loan, such as vehicle information and location.Commer information may also include information about the utilities you use, r and points-based incentive programs, program membership information, and information about your mobile device and carrier.
- Sources.We may receive commercial information that you provide to us directly or through third-party services.We may receive information abou your property from public records or from third parties, includ information we request from credit reporting agencies, and from partners.We may receive information about services you obtain directl your service provider such as a healthcare provider.If you ask us your utility payment history to help determine your eligibilit r Service, then we may receive this information from your utility o ice provider that collects the information on our behalf.By pr your information to the third party, you acknowledge and agree th mation accessed, collected, or transmitted by the third party for t ose will be governed by the privacy policy of the third party.Fina ansaction information may also include commercial information about purchases, purchasing or consuming habits and tendencies.
- Purposes.We use this information for creditworthiness and determining financial health, to improve and expand our Service, and perfecting securi interests.For example, information about your automobile may be used register a security interest if that automobile is used as collateral for a loan.
- Sharing.We share information in this category with KOMJEY companies, third-party service providers, other third parties, originating bank purchasers, prospective purchasers, credit bureaus, parties to a com transaction, and legally interested parties as described in SHARING OF INFORMATION section.
Network Activity and Location Information.
- Types.This information may include, but is not limited to, your browsing history, search history, geolocation data, and information regarding your interaction with an Internet web site, application, or advertisement.
- Sources.We collect this information from you and from third-parties such as advertising service providers and marketing analytics and information servi providers.This information may be passed to us via cookies, pixels, or ot tracking technologies described in Section 3 below.Geolocation data ma collected from your device, your browser, or from other sources such as metadata stored in images or files you provide to us.
- Purposes.We use this information for security, processing your application, facilitating transactions, marketing, for verification purposes and improve or expand our Services.For example, we use this information better understand the effectiveness of our advertising activitie efficiency in our application process.We also use this information to advertise to you and to track your use of our websites and the select make in order to satisfy regulatory obligations.Please refer to 2 below, which provides detailed information about our use of tracking technologies.
- Sharing.We share information in this category with KOMJEY companies, third-party service providers, other third parties, parties to a compa transaction, and legally interested parties as described in SHARING OF INFORMATION section.
Financial Information
- Types.This information may include payment and bank information, wire transfer information, credit card number, debit card number, full cred report, transactional information for financial accounts, account informa including interest rates and balances, income information, and any other financial information available.
- Sources.We may receive financial information that you provide to us directly or through third-party services.We may also receive information about yo from third parties, including information requested from credit report agencies such as TransUnion, Equifax, and/or Experian, and from partners.We will collect information, which may include your credit history and credit scores, from credit bureaus and other partners.
- Purposes.We use this financial information to process your transaction, to improve and expand our Service, and to determine your financial health.I you register as a borrower, we will use financial information about you facilitate your loan request and service your loan.If you register a investor, we will use financial information about you to faci investing.We use this information to process your loan applica transaction, and enable payments and fund transfers with l institutions.We use this financial information in conne th securitizations and other investment products with an interest i oan. We use this financial information for creditworthiness if you a rower, assess risks related to your transaction, and to help inv etermine whether to commit to or purchase your loan.If you conse ve KOMJEY request your financial information directly from your fin nstitution, we may work with a third party, such as Plaid, to ac collect such information on our behalf.By providing your financ rmation to the third party, you acknowledge and agree that su mation accessed, collected, or transmitted by the third party for this purpose will be governed by the privacy policy of the third party.
- Sharing.We share information in this category with KOMJEY companies, third-party service providers, other third parties, originating bank purchasers, prospective purchasers, credit bureaus, parties to a com transaction, and legally interested parties as described in SHARING OF INFORMATION section.
Professional, Education, or Employment-related Information
- Types.This information may include work history, employer and employment information, profession, job title, work address and phone number, and other information related to your profession.
- Sources.We collect this information from you, and from third parties, including information we request from credit reporting agencies, and servi providers.Information you may provide and that we receive through referral activities.
- Purposes.We use this information to determine your creditworthiness if you are a borrower, assess risks related to your potential loan, and to he investors determine whether to commit to or purchase your loan.We may a use this information to enable or implement automatic payments.We may this information for verification purposes, to improve or expand our Se and for offering products and Service to you.This information may be used as professional information.
- Sharing.We share information in this category with KOMJEY companies, third-party service providers, other third parties, originating bank purchasers, prospective purchasers, credit bureaus, parties to a com transaction, and legally interested parties as described in SHARING OF INFORMATION section.
Business Information
- Types.This information may include information about your business, such as legal business name and company practice name, and other information abo your company or practice such as fax, telephone number, website, rele email addresses, physical address, business-related licensing infor such as a license number, Cambodia tax identification or social number, and business or practice bank account information.This in n may be collected, for example, when you become part of a KOMJ ess program, apply for a business-related loan, or apply for our Service as self-employed.
- Sources.We may receive business information that you provide to us directly or through third-party services.We may receive information about you property from public records or from third parties, including information request from credit reporting agencies, and from other partners.For exam we may also collect this information from your registration appli submitted through provider agreement, business loan application, or from a personal loan application if you are self-employed.
- Purposes.We use this information for processing your application, facilitating transactions, for verification purposes, and to improve expand our Service.We use this information in connection w securitizations and other investment products with an interest in your When you submit registration information to request to participate Lending Club Cambodia Program, we will use this information to v e identity of the healthcare providers and the practice.We will al he required information to facilitate activities and transactions d to occur during the patient financing process.This includes mainta gular communications with the healthcare practice concerning an ion for financing or a completed funding, such as requesting addit formation or assistance.We may also use this information to conta ractice if there is a problem completing a transaction or to di refund, or a problem with a patient' s application.We may also use this information to enable our financial services partners to implement automatic payments.
- Sharing.We share information in this category with KOMJEY companies, third-party service providers, other third parties, originating bank purchasers, prospective purchasers, credit bureaus, parties to a com transaction, and legally interested parties as described in SHARING OF INFORMATION section.
Audio, Visual, and Electronic Information
- Types.This information may include a picture of you, digital or digitized signature, or voice recordings from phone calls.We may also collect any other communications between you and KOMJEY.
- Sources.We collect this information from you or from third-parties.For example, we may collect a copy of a government issued ID that includes picture from you, and we may collect a picture of you and your signature w you visit our offices.Your signature or digital or digitized signature also be on documents we collect from you.We may collect this inform from third-party service providers that provide member support and operations-related services.
- Purposes.We use this information for information security, fraud detection and prevention, quality control, and for processing your applicatio facilitating transactions, for verification purposes and to improve or expand our Services.
- Sharing.We share information in this category with KOMJEY companies, third-party service providers, other third parties, originating bank purchasers, prospective purchasers, parties to a company transaction, and legally interested parties as described in Section 3 below.
Inference Information
- Types.This information includes inferences drawn from any of the information in categories listed above.This information may indicate characteristic about you, such as preferences, habits, behavior patterns, and physi characteristics.For example, your picture may reveal phys characteristics, and transactional information may reveal patterns in spending, behavior, preferences, and other information.
- Sources.We gather the information above from a variety of sources as described in each category.
- Purposes.We may use this information to improve or expand our services or for marketing purposes.
- Sharing.We share information in this category with KOMJEY companies, third-party service providers, other third parties, parties to a compa transaction, and legally interested parties as described in SHARING OF INFORMATION section.
Other Sensitive Information
- Types.This information includes other information related to your transactions with us or provided to us through linked accounts and system such as information about medical or educational services purchased wi loan, insurance information such as automotive insurance numbers relat an automobile loan or health insurance information.This information m include detailed information about your purchases from bank, credit card, and other financial or transactional accounts.
- Sources.We may receive other sensitive information that you provide to us directly or through third-party services such as healthcare and education service providers.This information may be included in applicat information, and may also be provided as part of a transaction with a service provider.
- Purposes.We use this information for processing your loan application, facilitating transactions, for verification purposes, regulato requirements, to improve or expand our Services, and to offer products and Service to you.
- Sharing.We share information in this category with KOMJEY companies, third-party service providers, other third parties, originating bank purchasers, prospective purchasers, credit bureaus, parties to a com transaction, and legally interested parties as described in SHARING OF INFORMATION section.
HOW WE USE COOKIES AND OTHER TRACKING TECHNOLOGY TO COLLECT INFORMATION.
Like most websites and online services, we and our third-party partner automatically collect certain types of usage information when you visit Service, read our emails, or otherwise engage with us.We typically col this information through a variety of tracking technologies, which include cookies, web beacons, Flash cookies (locally stored objects), ed scripts, location-identifying technologies, and similar logy (collectively, " tracking technologies").These tracking logies collect information about how you use the Service (e.g., the p ou view, the links you click, and other actions you take on the Servi nformation about your browser and online usage patterns (e.g., IP addr rowser type , browser language, referring / exit pages and URLs, page ed, whether you opened an email, links clicked), and information about t ice(s) you use to access the Service (e.g., mobile device identifie ile carrier, device type , model and manufacturer, mobile device opera ystem brand and model, and depending on your mobile device settings, y ographical location data (which could include GPS coordinates (e. tude and/or longitude) or similar information regarding the location of obile device), or we may be able to approximate a device' s loca y analyzing other information, like an IP address.We, or our third- partners, may link your various devices so that content you s one device can result in relevant advertising and content displa another device, and so that we may recognize and contact you on t ious devices you may use.We may also collect analytics data, or use thi ty analytics tools, to help us measure traffic and usage trends for the ce.Although we do our best to honor the privacy preferences of our visitors, we are not able to respond to Do Not Track signals from your browser at this time.
Our websites include social media features, such as the Facebook Like button These features may collect your IP address and other information such as page(s) you are visiting on our websites, and may set a cookie to enabl feature to function properly.Social media features are either hoste third party or hosted directly on our websites.Your interactions with these features are governed by the privacy policy of the company providing it.
We use or may use the data collected through tracking technologies to (a remember information so that you will not have to reenter it during your vi or the next time you visit the site; (b) provide custom, personalized co and information, including targeted content and advertising; (c) recogn d contact you across multiple devices; (d) provide and monitor the effe ess of our Service; (e) monitor aggregate metrics such as total number o tors, traffic, usage, and demographic patterns on our websites; (f) diagnose or fix technology problems; and (g) otherwise to plan for and enhance our Service.
If you would prefer not to accept cookies, most browsers will allow you to adjust your browser settings to: (i) notify you when you receive a cookie, which lets you choose whether or not to accept it; (ii) disable existing cookies; or (iii) set your browser to automatically reject cookies. Blocking or deleting cookies may negatively impact your experience using the Service, as some features and services on our Service may not work properly. Depending on your mobile device and operating system, you may not be able to delete or block all cookies. You may also set your email options to prevent the automatic downloading of images that may contain technologies that would allow us to know whether you have accessed your email and performed certain functions with it. Deleting cookies does not delete Local Storage Objects (LSOs) such as Flash objects and HTML5. You can learn more about Flash objects—including how to manage privacy and storage settings for Flash cookies—on Adobe's website or by clicking here. If you choose to delete Flash objects from our sites, then you may not be able to access and use all or part of the sites or benefit from the information and Services offered.
We and our third-party partners may also use cookies and tracking technologie for advertising purposes.For more information about tracking technologies, please see " Third-Party Tracking and Online Advertising" below.
SHARING OF INFORMATIONWe may share personal information about you in the instances described below For further information on your choices regarding information about you, see the " Control Over Information" section below.
We may share personal information about you with:
- Originating Banks.Originating banks that originate your loan.If you request a loan, you are also providing information to the potential originating bank and additional information may be provided to that bank after your l originates.The use of information about you by your originating bank is also governed by that bank' s privacy policy;
- KOMJEY Companies.Other companies and brands owned or controlled by KOMJEY and other companies owned by or under common ownership as KOMJEY, which al includes our subsidiaries (i.e., any organization we own or control) or ultimate holding company (i.e., any organization that owns or contro and any subsidiaries it owns.These companies will use information about you in the same way as we can under this Policy;
- Third-Party Service Providers.Third-party vendors and other service providers that perform services on our behalf, such as operational suppo services, data processors and companies that help us market our own prod and third-party products that we believe may be of interest to you.We with a number of service providers who support our operations, includ not limited to electronic payment service providers and customer sup l centers.We share information with these third parties to p he transactions you initiate or to perform other specific ser our behalf, such as collections or identity verification, creating viding targeted advertisements, or providing marketing analyti ces.Our service providers are legally required to keep personal in n private and secure and adhere to applicable Cambodian laws and ions and to only use the personal information we provide in order to provide such services to us;
- Other Third Parties.Third parties at your request, such as financial services companies, lenders, insurance companies, retailers, membersh clubs, or other consumer service providers.For example, if we are unable offer you a loan, you may be given the option to allow us to share per information about you to third parties who may be interested in offer a loan.We will share this information at your direction, whic provided through interaction with or selection of a third-party offer presented on one of our websites;
- Purchasers.If we sell your loan or a security interest in your loan originated through our Service, we may provide the purchaser of your lo with information about you and credit information, which may be use process your loan and for other purposes.We may provide the purchaser information about you and other information associated with your loan purchaser to satisfy a regulatory or legal obligation, even e purchaser has sold the loan to another party.The information we s ut you will be subject to the purchaser' s privacy policy in ad o our own.Purchasers may also use this information for their direct marketing purposes.To opt-out of such sharing, please see Section 4 below;
- Prospective Purchasers.Prospective purchasers of your loan to evaluate the quality of the loan and other service providers involved in the sale potential sale of your loan or an interest in your loan.For example, a l purchaser may need information about you to determine the risk associated with the loan;
- Credit Bureaus.We may share personal information about you with credit bureaus to meet our credit reporting obligations;
- Parties to a Company Transaction.Other parties in connection with a company transaction, such as a merger, sale of company assets or share reorganization, financing, change of control or acquisition of all portion of our business by another company or third party, or in the event of a bankruptcy or related or similar proceedings; and
- Legally Interested Parties.Third parties as required by law or subpoena or if we reasonably believe that such action is necessary to (a) comply with t law and the reasonable requests of law enforcement; (b) to enforce our T of Service or to protect the security or integrity of our Service; and/ to exercise or protect the rights, property, or personal safety of KOMJEY, our visitors, or others.
We may also share information with others in an aggregated or otherwis de-identified or anonymized form that does not reasonably identify you directly as an individual.
CONTROL OVER INFORMATION
Data sharing settings and modifying or deleting information about you: You ca access and modify information about you (such as name, email address, mailing address) that we collect online and maintain by visiting your pr in your Account Summary on our website if you have a loan through KOMJE section of the website is password protected to better safeguard inf on about you.As a registered user, you can update your password, email ss, physical address, phone number, and bank account information at any n the website.Requests to change any other information in your profi remove your name or comments from our website or publicly displayed content can be sent to us at contact@komjey.com for patient and tuition financing.We will respond to your request within a reasonable timeframe, but no longer than may be required under applicable law.We may not be able to modify or delete information in all circumstances. Due to the regulated nature of our industry, we are under legal requirements to retain data and are generally not able to delete consumer transactional data upon request. Certain regulations issued by Cambodian government agencies may require us to maintain and report demographic information on the collective activities of our membership.We may also be required to maintain information about you for at least seven years to be in compliance with applicable Cambodian laws regarding recordkeeping, reporting, and audits.
How to control your communications preferences: You can update your emai preferences and stop receiving promotional email communications from us clicking on the " Unsubscribe" link provided in such communica We make every effort to process all unsubscribe requests within a re le amount of time.You may not opt out of Service-related communicatio g., account verification, transactional communications, changes/updates to features of the Service, technical and security notices).
THIRD-PARTY TRACKING AND ONLINE ADVERTISING
- Interest Based Advertising.We participate in interest-based advertising and use third-party advertising companies to serve you targeted advertisemen based on your browsing history.We may share, or we may permit third-pa online advertising networks, social media companies and other third- services, to collect, information about your use of our websites over that they may play or display ads on our Service, on other device y use, and on other websites, apps or services.Typically, though n s, the information we share is provided through cookies or simi king technologies, which recognize the device you are usi ollect information, including clickstream information, browser typ and date you visited the site and other information.We and our th y partners may combine this information with information collected o r from other sources.We and our third-party partners use this in n to make the advertisements you see online more relevant to your i , as well as to provide advertising-related services such as reporting, attribution, analytics and market research.
- Social Media Widgets and Advertising.Our Service may include social media features, such as the Facebook Like button, Google Plus, Twitter or oth widgets.These social media companies may recognize you and coll information about your visit to our Service, and they may set a cook employ other tracking technologies.Your interactions with those features are governed by the privacy policies of those companies.
- We display targeted advertising to you through social media platforms, suc as Facebook, Twitter, Google+ and others.These companies have interest-bas advertising programs that allow us to direct advertisements to users who shown interest in our Service while those users are on the social platform, or to groups of other users who share similar traits, likely commercial interests and demographics.These advertise e governed by the privacy policies of those social media companies that provide them.
- Cross-Device Linking.We, or our third-party partners, may link your various devices so that content you see on one device can result in releva advertising on another device.We do this by collecting information ab each device you use when you are logged in to our Service.We may also with third-party partners who employ tracking technologies, application of statistical modeling tools, to determine if two devices are linked to a single user or household.We may share n account identifier (such as an email address or user ID) with rty advertising partners to help recognize you across devices our partners, can use this cross-device linkage to serve -based advertising and other personalized content to you across ices, to perform analytics and to measure the performance of our advertising campaigns.
Your Choices:
- Interest-based advertising. To learn about interest-based advertising and how you may be able to opt-out of some of this advertising, you may wish to visit the Network Advertising Initiative (NAI) online resources, at http://www.networkadvertising.org/choices , and/or the Digital Advertising Alliance (DAA) resources at http://www.aboutads.info/choices.
- Cross-device linking.Please note that opting-out of receiving interest-based advertising through the NAI' s and DAA' s online resources will opt-out a user from receiving interest-based ads on that specific brow device, but the user may still receive interest-based ads on his or her other devices.You must perform the opt-out on each browser or device you use.
- Mobile advertising. You may also be able to limit interest-based advertising through the settings on your mobile device by selecting "limit ad tracking" (iOS) or "opt-out of interest based ads" (Android). You may also be able to opt-out of some – but not all – interest-based ads served by mobile ad networks by visiting http://youradchoices.com/appchoices and downloading the mobile AppChoices app.
- Some of these opt-outs may not be effective unless your browser is set t accept cookies.If you delete cookies, change your browser settings, swit browsers or computers, or use another operating system, you will need to opt-out again.
- Google Analytics and Advertising. We use Google Analytics to recognize you and link the devices you use when you visit our websites or Service on your browser or mobile device, login to your account on our Service, or otherwise engage with us. We may share a unique identifier, like a user ID or hashed email address, with Google to facilitate the Service. Google Analytics allows us to better understand how our users interact with our Service and to tailor our advertisements and content to you. For information on how Google Analytics collects and processes data, as well as how you can control information sent to Google, review Google's site "How Google uses data when you use our partners' sites or apps" located at https://www.google.com/policies/privacy/partners/ . You can learn about Google Analytics' currently available opt-outs, including the Google Analytics Browser Ad-On here https://tools.google.com/dlpage/gaoptout/.
- We may also utilize certain forms of display advertising and other advanced features through Google Analytics, such as Remarketing with Google Analytics, Google Display Network Impression Reporting, the DoubleClick Campaign Manager Integration, and Google Analytics Demographics and Interest Reporting. These features enable us to use first-party cookies (such as the Google Analytics cookie) and third-party cookies (such as the Doubleclick advertising cookie) or other third-party cookies together to inform, optimize, and display ads based on your past visits to the Service. You may control your advertising preferences or opt-out of certain Google advertising products by visiting the Google Ads Preferences Manager, currently available at https://google.com/ads/preferences or by vising NAI's online resources at http://www.networkadvertising.org/choices.
HOW WE PROTECT AND STORE INFORMATION ABOUT YOU
Keeping information safe: As a financial services company, KOMJEY understand that the information collected and shared with us by our borrowers, invest and business partners contains sensitive data.We take our role in safeguar information about you seriously.We maintain a security program that dra industry standards and best practices.We take a defensive, in-depth ap to implementing physical, administrative, and technical safeguards to ct information against unauthorized access or misuse.The safeguard ude preventive, detective, and corrective controls, for exampl sical safeguards like access badges and a video monitoring system; a trative safeguards like an employee security training program, employ ackground checks, and access controls; and technical safeguards like pe r security, encryption, two-factor authentication, and regular security monitoring with layered and complementary controls.In addition, we use:
- Encryption & website certificates.Encryption protects the information you share with us from the moment it leaves your computer until it reach our systems.Look for the secure locked padlock on your browser, wh signifies a secure web connection.Consult your web browser documentation for more information.
- Session time-outs.We employ session time-outs that will log you out of the website automatically after a period of inactivity.This reduces the risk o others being able to access your account if you leave your computer unattended.
- Passwords.You should never share your password with anyone.Your password is not known to any KOMJEY employee or third party, and we will never ask fo your password by phone or email.If you ever receive a communication claimi to be from KOMJEY that asks for your password, you should immediately report it by contacting us at contact@komjey.com
- Identity theft protection.In order to protect your identity at KOMJEY, we have developed and implemented an identity theft prevention and respon program that is designed to detect, prevent, and mitigate identity theft borrowing or investing through the KOMJEY platform.We utilize authentic technology to verify the identities of our investors and borrowers, a established processes, procedures, and training for KOMJEY emp o identify and respond appropriately to identity theft indicators ur agreements with investors, we are obligated to repurchase loans in cases of confirmed borrower identity theft.
We also periodically review and adjust security safeguards as the threa landscape evolves.Ultimately no security system is impenetrable, and we cann guarantee the security of our systems 100%.In the event that any informat under our control is compromised as a result of a breach of security policy is to take reasonable steps to investigate the situation and, where appropriate, communicate with affected individuals.
Data storage and transfer: Information collected through our websites may b stored and processed in Cambodia or any other country in which we or affiliates or service providers maintain facilities.If you are located in European Union or other regions with laws governing data collection a that may differ from Cambodian law, please note that we may er information, including personal information, to a country and jurisdi that does not have the same data protection laws as your jurisdict nd you consent to the transfer of information to the Cambodia.or any oth ntry in which we or our parents, subsidiaries, affiliates, or se providers maintain facilities and the use and disclosure of information about you as described in this Privacy Policy.
CHILDREN'S PRIVACY
We do not knowingly collect or solicit any information from anyone under the age of 18 on this Service. In the event that we learn that we have inadvertently collected personal information from a child under age 18, we will delete that information as quickly as possible. If you believe that we might have any information from a child under 18, please contact us at contact@komjey.com
LINKS TO OTHER WEBSITES AND SERVICES
The Service may contain links to and from third-party websites of our busines partners, advertisers, and social media sites and our users may post links third-party websites.If you follow a link to any of these websites, pl note that these websites have their own privacy policies and that we accept any responsibility or liability for their policies.We s y recommend that you read their privacy policies and terms and conditio use to understand how they collect, use, and share information.We are not responsible for the privacy practices or the content on third-party websites.
HOW TO CONTACT US
If you have any questions about this Privacy Policy or our websites, please contact us at contact@komjey.com
If you have a privacy or data use concern, please contact us first at contact@komjey.com