Privacy Policy

So that we can process the requests of the Data Subject (hereinafter referred to as the User) (including but not limited to the activities: collecting, recording, analyzing, confirming, storing, editing, publicizing, combining, accessing, retrieving, retrieving, encrypting, decrypting, copying, sharing, transmitting, providing, transferring, deleting, destroying personal data or other related actions).

The personal information of Users/Partners is collected by RIO Fintech through the API links of RIO Fintech's Partners.

In addition, personal information from Users/Partners will also be recorded by RIO Fintech when Users/Partners register for an account to use RIO Fintech's services or in other cases where Users/Partners are invited to voluntarily provide information. All of this information is used for the purpose of building products and support services for Users/Partners.

The data we collect is your personal identification information, all product information and product-related data and personal information of Users/Partners including;

• Collect, process and store any information that Users/Partners voluntarily provide:
• Basic personal information: full name, email, phone number, date of birth, gender, contact address, marital status, ID card number, citizen ID number, ID card issue date, citizen ID issue date,...
• Job information: job name, department, company name, company address, company phone number, working time, income level, form of salary, form of labor contract,...
• Personal image information: profile picture, portrait photo, photo of information on types of documents if any (citizen ID, citizen ID),...
• Payment information: bank name, account/card holder name, account number, number card,...
• Information about relationships with family or friends: full name, relationship, phone number,...
• Information about the User's location determined through location services,..
• Information about the searches you perform, transactions and other interactions with you on RIO Fintech services.
• Information about cookies that Users/Partners allow: IP address, device ID, browser type, browsing information, operating system, referring or referred links or URLs.
• Information provided by visitors to this website and from RIO Fintech Partners and from individuals participating in competitions or promotions (online/telephone or directly at RIO Fintech). We only collect information from individuals who volunteer. The information will be used for us to send notifications/introduce products, services and other marketing materials that we consider suitable for the needs of the above Users/Partners. We may also invite individuals who visit the RIO Fintech website to participate in market research/surveys and other similar activities.
• Information provided by third party sources, with which the User/Partner consents to share/provide personal data, or sources where the collection is required or permitted by law.

All personal information, activity history of RIO Fintech Users are synchronized from the API portal of RIO Fintech's partners.

RIO Fintech may also collect information about how Users access the website using a unique tracking ID for each User through the use of Cookies.

RIO Fintech may process personal data for one or more of the following purposes:

Verify the accuracy and completeness of the information provided by the User/Partner; determine or authenticate the identity of the User/Partner and carry out the User/Partner authentication process;

• Process the User/Partner's registration for any products and services proposed or provided by RIO Fintech (including but not limited to third-party products such as investment or insurance products);
• Provide products and services proposed or provided by RIO Fintech/Partners/members of RIO Vietnam Technology Joint Stock Company;
• Contact the User/Partner to exchange information, deliver invoices, statements, reports or other relevant documents;
• Notify the User/Partner of information about benefits, changes in product and service features;
• Send open letters/thank you letters, introduce new products, suggest RIO Fintech products that RIO Fintech deems suitable for Users or RIO Fintech/Partners' promotional programs to Users/Partners;
• Manage and evaluate business activities including designing, improving and enhancing the quality of RIO Fintech's products and services or carrying out marketing communication activities;
• Prepare financial reports, activity reports or other relevant reports as prescribed by law;
• Conduct checks with the call blocking registry or similar (if any);
• Conduct market research, surveys and data analysis related to any products and services provided by RIO Fintech/RIO Fintech's Partners (whether performed by RIO Fintech or another third party with whom RIO Fintech cooperates) that may be relevant to Users/Partners;
• To protect the legitimate interests of RIO Fintech and comply with relevant legal regulations;
• To prevent or minimize threats to the life, health of others and public interests;
• To meet, comply with RIO Fintech's internal policies, procedures and any rules, regulations, guidelines, directives or requests issued by competent State agencies as prescribed by law;
• To evaluate any acquisition request, conduct an acquisition transaction, transfer business and/or assets, transfer or assign rights, benefits or obligations under the contract(s) between the User/Partner and RIO Fintech;
• To protect or enforce the rights of RIO Fintech/RIO Fintech's Partners, including to collect fees, charges and/or to recover any debts, under any agreement between the User/Partner and RIO Fintech;
• For RIO Fintech's suppliers/service providers/Partners to perform services for Users and/or RIO Fintech;
• For any other purposes required or permitted by any law, regulation, guideline and/or competent State agencies;
• To carry out other activities related to RIO Fintech's provision, operation, processing and management of products and services for Users/Partners;
• For other purposes related to RIO Fintech's business activities that RIO Fintech deems appropriate from time to time; and
• Other reasonable purposes related to the above purposes;

In case you use links on RIO Fintech's website to access other websites, please read carefully the privacy policies on those websites. For some RIO Fintech services, users are required to register. We may use this information to send you notifications about products and services via Email.

In case you register to use value-added services provided by third parties, such information may be shared with RIO Fintech's customers (sponsors) so that they can send information or promotional items to users related to the services and you have registered.

RIO Fintech will request permission from Users/Partners before using the personal data of Users/Partners for purposes other than those stated in this Privacy Policy.

A cookie is a piece of data stored on a User's computer that is tied to information about the user. We may use both session ID cookies and persistent cookies. For session ID cookies, when you close your browser or log out, the cookie is terminated and deleted. A persistent cookie is a small text file that is stored on your computer's hard drive for an extended period of time. Your browser's help files contain information and instructions for deleting persistent cookies.

Session ID cookies may be used by RIO Fintech to track user preferences while the user is visiting the website. They also help reduce load times and save server processing. Persistent cookies may be used by RIO Fintech to store whether (for example) you want to remember your password and other information. Cookies used on the RIO Fintech website do not contain personally identifiable information.

Like most standard websites, we use log files. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, platform type, date/time stamp, and number of clicks to analyze trends, administer the site, track user movement in the aggregate, and gather broad demographic information for aggregate use.

RIO Fintech may use personally identifiable information collected by RIO Fintech to contact users about products and services offered by RIO Fintech or by affiliates, independent contractors, and trusted business partners (with the user's consent). We may also use this information for research purposes regarding the effectiveness of our web services, marketing, advertising, and sales. RIO Fintech will not share this information with third parties for free or by sale, unless you specifically authorize such disclosures.

RIO Fintech may disclose aggregated, anonymized data based on information collected from users to potential investors and partners. In such cases, only statistical information will be disclosed and personally identifiable data will be kept strictly confidential. In the event that RIO Fintech is sold, information collected from users may be transferred to the new owner.

In some cases, RIO Fintech may engage third parties, including its own subsidiaries and affiliates, to preserve, analyze, store or manipulate data that RIO Fintech receives from its users. In all such cases, the third-party service providers will be required to treat all such data with the same confidentiality principles as RIO Fintech and they will also be prohibited from disclosing such data to any person or party, unless otherwise provided in this Privacy Policy.

Third-party vendors, such as Google, use cookies to serve ads based on a User's previous visits to RIO Fintech's website. The third-party vendor's use of advertising cookies allows the third-party vendor and its partners to serve ads to RIO Fintech's Users based on the User's visit to RIO Fintech's website. Users can opt out of personalized advertising by visiting Ads Settings.

Our sponsors also use Cookies to determine how many times you visit their banners on RIO Fintech. Sponsors may use this information to customize their advertising policies on RIO Fintech to maximize the effectiveness of their programs (Based on the most visited page to place banners is an example). You have the full choice of whether or not to allow Cookies to change your browser information.

You can also choose to refuse all Cookies sent to you. If you choose to do so, some features of RIO Fintech and other websites may not work properly.

Users have the following rights: (i) Right to know; (ii) Right to consent; (iii) Right to access; (iv) Right to withdraw consent; (v) Right to delete data; (vi) Right to restrict data processing; (vii) Right to provide data; (viii) Right to object to data processing; (ix) Right to complain, denounce, initiate a lawsuit; (x) Right to request compensation for damages; (xi) Right to self-defense and other related rights as prescribed by law.

In the event that the User withdraws his/her consent, requests data deletion and/or exercises other related rights to any or all of the User's personal data, and depending on the nature of the User's request, RIO Fintech may consider and decide whether to continue providing RIO Fintech's products and services to the User.

Any actions taken by the User pursuant to this provision shall be deemed to be a unilateral termination by the User of any relationship between the User and RIO Fintech, and may result in a breach of the User's obligations or contractual commitments with RIO Fintech, and RIO Fintech reserves RIO Fintech's legal rights and remedies in such cases.

Accordingly, RIO Fintech shall not be liable to the User for any losses incurred, and RIO Fintech's legal rights shall be expressly reserved for such limitation, restriction, suspension, cancellation, prohibition, or prohibition.

RIO Fintech provides the ability to edit information in personal accounts through the My Account page on the RIO Fintech website.

Users can proactively add, edit, delete account information, withdraw consent to use personal data or request RIO Fintech to delete the User's account by contacting RIO Fintech via email at the Contact page on the RIO Fintech website.

Content or data that the User has provided to us that is not in the User's personal account, such as posts on the forum, may continue to be on our website even after the User's account has been deleted. Please read the Terms of Use carefully for more information.

Personal data of Users/Partners stored by RIO Fintech will be kept confidential. RIO Fintech will take reasonable measures to protect the personal data of Users/Partners.

RIO Fintech will apply data security standards on the basis of ensuring compliance with current legal regulations.

RIO Fintech stores the personal data of Users/Partners for the period necessary to fulfill the purposes under these General Terms and Conditions on Personal Data Protection, unless a longer period of personal data storage is required or permitted by applicable legal regulations.

In case Users/Partners have any questions regarding the Privacy Policy on personal data protection or issues related to the rights of data subjects or the processing of personal data of Users/Partners, please contact RIO Fintech via email address info@riofintech.vn.