Privacy Policy
[Lotte Finance]
Lotte Finance's privacy principles
Lotte Finance's Managers and all of our staffs
are always aware of and respect the confidentiality of our valued customers’
personal information. Lotte Finance's operations are based on trust between valued
customers and us. Lotte Finance understands that you (valued customers) provide
us with personal information to perform transactions, and we undertake to use
such information with the utmost care. We know that you (valued customers) want
your personal financial information to be safe and secured. Therefore, one of
our top priorities is to apply special methods in the process of collecting, using
and saving to ensure the safety and confidentiality of the information provided
to us by the valued customers. In order to protect the valued customers’ personal
information, Lotte Finance adheres to the following privacy principles:
1. We only request the personal information that
we believe it is relevant and necessary for us to understand valued customers’
financial demand to perform financial and banking operations.
2. We only use valued customers’ personal
information to provide better financial and banking services.
3. We are able to transfer valued customers’
personal information to Lotte Group’s companies or our agents as agreed by
valued customers or permitted by law.
4. We will not disclose valued customers’
personal information to any outside organization unless you agree or it has
been required by law or we have announced you by advace noitice.
5. From time to time, we may have to provide your
personal information to a competent state authority, but we only provide this
information in accordance with provisions of the applicable law.
6. We aim to store valued customers’ personal
information accurately and up-datedly.
7. We maintain extremely strict security systems
designed to prevent any unauthorized person, including our employees from
accessing valued customers’ personal information.
8. All Lotte Group’s companies, our employees and
all third parties authorized to access valued customers’ information are
required to comply with our security obligations.
By maintaining our commitment to these
principles, Lotte Finance wants to assure you that we always appreciate the
trust you give us.
Collecting personal information
Lotte Finance is able to collect valued customers’ personal information from the below sources:
- Information is recorded on the service’s
application or other documents (information including name, contact address…)
- Information from transactions and active
account that valued customers conduct at Lotte Finance (credit cards and other
transactions).
- Information from consumers researching and
reporting organizations.
- Information from other sources to verify
information provided by valued customers (workplace, bank status or credit
status, property insurance…)
- Profile to analyze the number of customers
accessing online channel and general usual form using cookies.
- Information provided by people accessing this website
and from individuals participating in events or promotions (online/phone or
directly at Lotte Finance).
We only collect information from volunteer individuals. The information
will be used to send notice/announcements of products, services and other
marketing materials that we think appropriate to the demands of the individuals.
We may also invite the individuals accesing this website to participate in
market research/surveys and other similar activities. If you receive an e-mail
message, sms message, push message, or direct marketing mail by post office,
you can always turn off sending this message. At any time, you would like to
stop receiving these mails, please contact our Customer Service Center. We are
free to make your request and ensure that you are not going to be on the
mailing list for direct marketing promotions in the future.
Usage of
information
The purpose of requesting, collecting and storing valued customers’
personal information of Lotte Finance is:
- Support Lotte Finance better in serving as
well as processing valued customers’ transactions.
- Support Lotte Finance in identifying customers
as well as protecting better valued customers’ personal information and
financial information.
- Support Lotte Finance to meet valued
customers’ financial demand for providing practical financial products,
services
- To comply with the regulation of the current
law.
Data Security
1. Security is our top priority. Lotte Finance makes
every effort to ensure that valued customers’ data is protected against
unauthorized or accidental access, processing or deletion.
2. All employees of Lotte Finance are thoroughly
instructed in the importance of keeping the confidentiality of valued
customers’ information such as our company’s operating principles.
3. In Lotte Finance, only authorized employees have access to valued customers’ information to provide the services required by the customers. Furthermore, we also apply security procedures and electronical security equipments in accordance with the regulations of the State Bank of Vietnam to ensure the security of valued customers’ personal information.
4. The secure area of the website supports the
Secure SocketLayer (SSL) method and 256-bit encryption technology - the
standard encryption on the Internet to protect data. When valued customers
provide sensitive information such as financial information, these data will be
encrypted before being securely transmitted on the Internet.
5. Our web servers are protected by
"firewalls" and our system is always checked to prevent from
unauthorized access. We will not send personal information to customers by normal
email, unless customers has registered or there is agreement between customers
and us. Since the security of the normal mail form is not guaranteed, valued
customers should only send mail to us by our secured e-mail channel through our
online channel.
6. We will take all reasonable steps to ensure
that valued customers’ personal data is not retained longer than its necessary
period and Lotte Finance will always comply with applicable laws and management
regulations in Vietnam relating to the storage of personally identifiable
information.
7. Lotte Finance regularly updates to apply the
latest version in security and encryption technology. However, the transmission
of data over the Internet can not have absolute safety. Therefore, even though
Lotte Finance always makes every effort to protect the information, we can not
make sure or guarantee the absolute safety when the customers’ information sending
in. The incurring risks of our providing products or services which are transmiting
online will be borne by the customers. Once the information has been received from
customers’ transmission, we will take the necessary steps to ensure the
confidentiality of the personal information in our system. When customers close
accounts at Lotte Finance or no longer use this service, we will absolutely respect
the privacy principles of personal information as described above.
Commitment to privacy
1. Valued customers and Lotte Finance all play an
important role in protecting transactions against online fraud. Valued
customers are cautious that financial information including your Username
and/or Transaction Password will not be compromised by ensuring that:
- Valued customers do not knowingly or
unknowingly share or provide or facilitate the unauthorized usage of this
information.
- Do not share or allow others to access or use
your Username and/or Password.
2. Valued customers should protect your unique
Username and Password by securing this information: Never write this
information out or share it with others. Lotte Finance will never require you
to provide a password the Online Channels to ensure that you are solely responsible
for this information. By making your Username and Password for the first time,
you should not choose easily identifiable information such as birthdays, phone
numbers, or part of your name. If you recognize that your username and/or
password has been disclosed to a third party, stolen or lost and unauthorized
transactions can be made, you are responsible for notifying to us immediately.
Copyright
and trademark
Lotte Finance and other parties are the owners
of the trademarks, logos and service’s marks displayed on this online channel.
Users are not permitted to use these trademarks, logos, and service’s marks
without permitted in official writing by Lotte Finance or other parites.
Any copy, alteration, storage, transfer,
reproduction, dissemination, usage of any part of this material for commercial
purpose or public without permitted in official writing by Lotte Finance is
strictly prohibited.
Not guaranteed
Although the construction of information and
materials on this online channel has been made with utmost secure, these
materials and materials are provided to you "as is" without any
assurances whether it is expressed or implied. Specifically, there is no
guarantee of non-infringement, confidentiality, accuracy, suitableness for a
particular purpose, or without computer viruses related to such information or
materials.
Linked websites
Lotte Finance and any other members of the
Lotte Group are not responsible for the content or design of any other websites
which are linked to this online channel. When you access and use other websites
linked to this website, valued customers will suffer your own risk and accept to
the terms and conditions of usage applicable to that access/usage.
Via Email
Lotte Finance does not guarantee that emails
sent to Lotte Finance via the Internet will be guaranteed absolutely. Lotte
Finance will not be responsible for any damages suffered by the user if the
user sends an email to Lotte Finance, or Lotte Finance sends the email over the
Internet to the user under their requirements. Lotte Finance is not responsible
in any way for any direct, indirect, particular damages or consequences arising
from the usage of this online channel.
Transmit over the Internet
Due to the features of the Internet,
transactions may be interrupted, lost transmission lines, slow data
transmission and incorrect data transmission. Lotte Finance is not responsible
for any failure of the error from equipment that does not under- control of Lotte
Finance to inferfere to the accuracy or timeliness of receiving and sending any
messages or transactions that valued customers send.
Agree and change with the Privacy and Security
Policy
You understand clearly and agree that your usage of this Lotte Finance online service means that you accept the terms and conditions of Lotte Finance’s Privacy Policy. This is Lotte Finance's current security and privacy regulations applied to Lotte Finance online services. The Privacy Policy is intergral part of Terms and Conditions of Online Services. At any time, Lotte Finance has the rights to modify these regulations by posting announcement of new security and confidentiality on this Lotte Finance online channel. If you have any questions, please contact Lotte Finance branch or nearest Customer Service Center for assistance. We always look forward to providing you with the best quality products and services.
