LEGAL AND PRIVACY

LEGAL NOTICE

1.Content Disclaimer

SBI LY HOUR Bank Plc. or a third party has investigated and reviewed the details and information available on our website. The accuracy, clarity, and correctness of the contents are not guaranteed by SBI LY HOUR Bank Plc. or any third party. It also relates to website that are accessible via hypertext links. The content on the Website is not designed to substitute personal financial advice from a professional.

SBI LY HOUR Bank Plc. makes no representations or warranties in relation to this website, or the information and materials provided on this website. SBI LY HOUR Bank Plc. recommends that you seek independent advice before acting upon material on this website. We have experienced and qualified advisors on staff that can provide you with personalized professional guidance.

2.Liability Limitations

Regarding the contents of, or use of, or otherwise in accordance with, this website, SBI LY HOUR Bank Plc. will not be responsible for you (whether under the law of contract, civil litigation, or anything else):

  • -Any loss that is indirect, specific, or catastrophic; or
  • -Any financial losses, such as earnings, income, profits, or projected savings, contract or business relationship losses, reputation or goodwill losses, or information or data loss or leakage of confidential.

Even though SBI LY HOUR Bank Plc. has been specifically notified of the possible loss, these liability limitations still apply.

3.Rationality

You agree that the exclusions and liability limitations set forth in this website disclaimer are acceptable by using this website. You must not use this website if you do not agree they are appropriate

 4.Personal Liability

You acknowledge that SBI LY HOUR Bank Plc. has a legitimate interest in limiting the personal liability of its officers and employees as a business entity. You accept not to make any personal claims against SBI LH Bank's officers or employees for any losses you incur because of using the website.

5.Copyrights

The Websites' content and structure are copyright protected. Duplication of pages is only permitted with the prior contract of SBI LY HOUR Bank Plc., except if as according to legal requirement, the duplication is of a sort that does not require consent.

6.Inapplicable Provision

If any term of this website disclaimer is found to be ineffective under applicable law, the enforceability of the other provisions of this website disclaimer will not be affected.

II.PRIVACY NOTICE

SBI LY HOUR Bank Plc. (“we”, “us” or “our”) values a privacy and strives for protecting your personal data or personal data relating to individuals connected to your business (“Personal Data”) based on the laws of Cambodia.

Your personal data includes what you tell the Bank about yourself or the individuals connected to your business (“you”, “your” or “yourself”) which shall include employees, staff members, directors representatives, shareholders or ultimate beneficial owners of you if you are a juristic person and what the Bank learns by having you as the customer, and the choice you give the Bank about what marketing materials you want the Bank to send to you.

1.Personal Data Collection

Based on the circumstances and type of the requested products, services, and/or transactions, we gather a variety of your Personal Data.

  • -When you apply for a product or service from us
  • -When you communicate with us on the phone or in person
  • -When you visit our websites or use our mobile apps
  • -When you take part in our marketing activities
  • -When you indirectly disclose your Personal Data, such as on social media
  • -When we receive your Personal Data from third parties.

Personal Data that you supply to us, that we receive via your use of the service, and that we receive from other sources as required and suitable for delivering services to you will be collected, used, and disclosed by us.

According to applicable law, the types of Personal Data about you that we collect can be classified as follows:

1.1. Personal Details: That information can be Name, Gender, Date of Birth, Nationality, Marital Status, Personal Identification Number, Passport Number, Family Book, household registration, Current Address, Phone Number, Email, Employment, and so forth.

1.2. Financial and Transaction Information: It includes details of bank account, credit card numbers, cardholder’s or account holder’s name and details, instruction records, transaction details, counterparty details and communications on bank transfers of the underlying transaction.

1.3. Sensitive Personal Data The Personal Data that the law specifically prescribes, including Personal Data in relation to race, ethnic origin, political opinions, religious or philosophical beliefs, sexual behavior, criminal records, health records, disability, trade union information, biometric data, or any other data.

2.Personal Data Use

Only if we have legitimate reasons to collect, use, and/or disclose your Personal Data. This includes sharing it with anybody who are not affiliated with us.

When collecting, using, and/or disclosing your Personal Data, we will rely on one or more of the following legitimate bases:

-Requirement for the fulfillment of a contract or request you submitted to us to comply with such contract or request

-Requirement for legal obligations which we must comply with

-Requirement for legitimate interest of us or any other persons or juristic persons

-Requirement for the public interest, task carried out in the public interest or the exercising of official authorities.

2.1. Purposes of Collection and Use of Your Personal Data

When you give your consent, you give us permission to collect, use, and/or disclose your Personal Data for specific purposes.

The purpose of this collection is as below:

-Provide you with information, products or services you have requested

-Respond to your queries and feedback in case you have asked or summited the evaluation forms via our website

-To support any compliance obligations, any applicable laws or regulations, or assist in law enforcement and investigations conducted by any governmental and/or authority

-To plan the improvements to the existing products and services

-To carry out and improve a business performance and

-To develop and carry out any marketing activities.

2.2.Purposes of Disclose Your Personal Data

To fulfill the goals specified in this Privacy Notice, we may be compelled to disclose your personal data with persons or entities situated in Cambodia or overseas where it is lawful to do so, such as:

-To perform obligations under a contract regarding the products or services

- To achieve legal duties and/or legal rights, or

-To fulfill legitimate interests.

3.Retention of Personal Data

We will only keep your Personal Data for as long as it is required to fulfill the objectives for which it was obtained, such as achieving any regulatory reporting requirements, providing our services as requested, or complying with legal requirements.

 

We will retain your Personal Data for a maximum of 10 years after you cease to be a client to address any contractual disputes that may arise during that period. If we do not need to keep your Personal Data for any longer than is legally required, it will be destroyed, deleted, or anonymized.

4.Rights of The Data Subject

You have rights under data protection legislation regarding your Personal Data in certain instances:

-right to withdraw your consent to our collection, use, and/or disclosure of your Personal Data at any time. If we have another legitimate reason, we may continue to collect, use, and/or disclose your Personal Data.

-right to request access to and a copy of your personal data that is within our control, as well as the right to request that we report the collection of such personal data against your consent.

-You have the right to request us to update, correct, and complete your personal data so that it is accurate, up-to-date, and not confusing.

-right to request us delete, destroy, or anonymize your Personal Data if we have no compelling reason to keep collecting, using, or disclosing it. We will carefully consider each request in compliance with any laws relating to the collection, use, and/or disclosure of your Personal Data.

-right to request us temporarily suspend the processing of your personal data while it verifies or reviews your request to object to processing.

-right to object to our collection, use, and/or disclosure of your Personal Data based upon a legitimate interest. You additionally have the right to object in cases where we collect, uses, and/or discloses your Personal Data for direct marketing and profiling purposes.

5.Personal Data Security

When collecting, using, and/or disclosing your Personal Data, we review and implement up-to-date physical, technological, and organizational security measures on a regular basis. We apply reasonable security measures to prevent unauthorized or accidental access, processing, erasure, loss or use including limiting physical access to data within our systems and encryption of sensitive data when transferring such data.

6.Your Responsibilities

Your contract imposes various obligations on you, including providing us with accurate Personal Data. To exercise your contractual rights, you may be required to give us Personal Data. If you do not disclose the Personal Data, you may be unable to exercise your rights and responsibilities.

7.Acceptance and Privacy Notice Revision

You acknowledge and accept that your use of our Bank website indicates your acceptance of this Privacy Notice. We review the Privacy Notice on a regular basis, and it is subject to revision from time to time as it deems appropriate, without any prior notice.

8.External Links

If any part of this website contains links to other websites, those sites may not operate under this Privacy Notice. You are advised to check the Privacy Notice on those websites to understand their policies on the collection, usage, transferal, and disclosure of personal data.

9.Contact Information

You can contact us through email address: [email protected] or the headquarters of the Bank at Building 219, Street128&169, Sangkat Mittapheap, Khan Prampir Makara, Phnom Penh, Cambodia, concerning the collection, use, and disclosure of your personal data.