2. DEFINITIONS AND INTERPRETATION 

• Affiliated Third Parties includes companies with which we have common ownership or management or other contractual strategic support or partnership relationships with, our advisers, consultants, bankers, vendors or sub-contractors. 

• Account means a unique account created for You to access our Service or parts of our Service  

• Company (referred to as either “the Company”, “We”, “Us” or “Our” in this Agreement) refers to Gwong Microfinance Bank Limited. 

• Content refers to content such as text, images, or other information that can be posted, uploaded, linked to or otherwise made available by You, regardless of the form of that content. 

• Data is information, which is stored electronically, on a computer, or in certain paper-based filing systems.

• Data Controller is a person responsible for determining the manner in which Personal Data would be processed.

• Data Subject is an identifiable natural person. An identifiable natural person is one who can be identified, directly or indirectly, in particular by reference to an identification number or to one or more factors specific to his physical, physiological, mental, economic, cultural, or social identity. 

• Device means any device that can access the Service such as a computer, a cellphone or a digital tablet.

• Feedback means feedback, innovations or suggestions sent by You regarding the attributes, performance or features of our Service.

• Personal Data is the information relating to an identified or identifiable natural person. These include a name, gender, a photo, an email address, bank details, medical information, computer internet protocol address and any other information specific to the physical, physiological, genetic, mental, economic, cultural or social identity of that natural person.

• Processing is any activity that involves use of Personal Data. It includes obtaining, recording or holding the data, or carrying out any operation or set of operations on the data including organizing, amending, recording, retrieving, using, disclosing, erasing or destroying it. Processing also includes transferring personal data to third parties.

Products refer to the products or items offered for sale on the Service.

Promotions refer to contests, sweepstakes or other promotions offered through the Service.

Sensitive Personal Data includes information about a person’s racial origin, political opinions, religious or similar beliefs, trade union membership, physical or mental health or condition or sexual life.

Terms and Conditions (also referred to as “Terms”) mean these Terms and Conditions that form the entire agreement between You and the Company regarding the use of the Service. This Terms and Conditions Agreement was generated by TermsFeed Terms and Conditions Generator.

o Third-party Service means any services or content (including data, information, products or services) provided by a third-party that may be displayed, included or made available by the Service.

o Website refers to Gwong Microfinance Bank, accessible from https://gwongmfb.qoreonline.com/

o “You” means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.

Data Collection
Gwong Microfinance Bank Limited may collect, use, store and transfer different kinds of Personal Data about you which is grouped together as follows:
i. Identity Data includes first name, last name, username or similar identifier, title, date of birth and gender.
ii. Contact Data includes residential address, email address and telephone numbers.
iii. Employment Information Data includes information on your employment history, professional and educational information.
iv. Technical Data includes internet protocol (IP) address, domain name, your login data, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform, and other technology on the devices you use to access this website.
v. Profile Data includes your username and password, purchases or orders made by you, your interests, preferences, feedback and survey responses.
vi. Usage Data includes information about how you use our website and services.
vii. Marketing and Communications Data includes your preferences in receiving marketing communications from us and our Affiliated Third Parties and your communication preferences

Your Personal Data and How it is Used
Primarily, Gwong Microfinance Bank Limited collects, processes and stores your Personal Data to help Gwong Microfinance Bank Limited better connect with you. The following are the purposes for which Gwong Microfinance Bank collects your Personal Data:
i. To monitor, review, evaluate and improve your experience when you visit the website
ii. To analyze the traffic on our Site, including determining the number of visitors to the website and analyze how they navigate the website.
iii. To invite you to complete a survey or provide feedback to Gwong Microfinance Bank Limited on specific matters.
iv. At any time, you request information from us via a form or other electronic transmission, Gwong Microfinance Bank Limited may use your Personal Data to fulfil that request and keep a record of such request and how it was handled, for quality assurance and service improvement purposes.
v. To keep you updated on Gwong Microfinance Bank Limited activities, programmes and events where your explicit consent has been given.
vi. To notify you of changes to Gwong Microfinance Bank Limited websites or relevant processes.
vii. Gwong Microfinance Bank Limited may also use your information or allow Affiliated Third Parties or partners use your Personal Data, to offer you information about unrelated products or services you may be interested in. Gwong Microfinance Bank Limited or such Affiliated Third Parties can only communicate with you if you have expressly consented to such communication and data use.
viii. Gwong Microfinance Bank Limited may share your personal data with Affiliated Third Parties such as service providers who we have engaged to assist with providing certain services on our behalf, for which they require your personal data.
ix. Where Gwong Microfinance Bank Limited has any contracts with you which create a commitment, Gwong Microfinance Bank Limited may require, contact or use your information to perform the contract.
x. To process or manage your appointments with any of the Gwong Microfinance Bank staff.
xi. To fulfil legal/ regulatory obligations or to report any criminal or unethical activity.
xii. To store either on our central computer system or a third-party Computer’s central computer system for archiving and back up purposes
Be aware that Gwong Microfinance Bank do not reveal identifiable information about you to its advertisers, though Gwong Microfinance Bank may at times share statistical visitor information with its advertisers.

Your Personal Data Rights
Data Protection Laws provide you with certain rights in relation to the information that Gwong Microfinance Bank collect about you:

1) The right to withdraw consent previously given to Gwong Microfinance Bank or our Affiliated Third Parties. In order to make use of your personal data, Gwong Microfinance Bank would have obtained your consent. For consent to be valid, it must be given voluntarily. In line with regulatory requirements, consent cannot be implied, and Gwong Microfinance Bank ensure that you have the opportunity to read our data protection privacy policy before you provide your consent. Consent in respect of Sensitive Personal Data must be explicit and will be given by you in writing to Gwong Microfinance Bank. The consent of minors (under the age of 18) will always be protected and obtained from the minor’s representatives in accordance with applicable regulatory requirements. You can ask Gwong Microfinance Bank or Affiliated Third Parties to stop sending you marketing messages at any time by unsubscribing or unchecking relevant boxes to adjust your marketing preferences or by following the opt-out links on any marketing message sent to you.

2) The right to request that Gwong Microfinance Bank deletes your Personal Data that is in its possession, subject however to retention required for legal purposes and the time required technically to delete such information.

3) The right to request for access to your Personal Data or object to Gwong Microfinance Bank processing same. Where personal data is held electronically in a structured form, such that you have a right to receive that data in a common electronic format.

4) The right to update your Personal Data that is kept with Gwong Microfinance Bank. You may do this at any time your personal data changes, and you wish to update Gwong Microfinance Bank.

5) The right to receive your Personal Data and have it transferred to another Data Controller, as applicable.

6) The right to lodge a complaint.
You may exercise any of the above stated rights following our Data Subject Access Request Procedure

Persons Who Have Access to Your Personal Data
In addition to Gwong Microfinance Bank staff who have a business need to know, the following trusted third parties have access to your information:

1) Gwong Microfinance Bank uses a customer relationship management tool to help manage its contact database and send out email communications to you.

2) Gwong Microfinance Bank Affiliate Third Parties who require your information for the same purposes described in this Policy and who have adopted similar privacy policy standards further to contractual obligations to Gwong Microfinance Bank under a third-party data processing agreement Gwong Microfinance Bank has entered with them.

3) Professional service providers such as IT service providers and website hosts.

4) Regulatory authorities.

Gwong Microfinance Bank will transfer your Personal Data to only those Affiliated Third Parties who Gwong Microfinance Bank are sure can offer the required level of protection to your privacy and information and who are also contractually obligated to us to do so. Gwong Microfinance Bank do not and will not at any point in time sell your Personal Data. Gwong Microfinance Bank require all Affiliated Third Parties to respect the security of your personal data and to treat it in accordance with the law. Gwong Microfinance Bank do not allow our professional service providers to use your Personal Data for their own purposes and only permit them to process your Personal Data for specified purposes and in accordance with its instructions.

Security and Confidentiality
Gwong Microfinance Bank is committed to securing your data and keeping it confidential. Gwong Microfinance Bank has done all in its power to prevent data theft, unauthorized access, and disclosure by implementing the latest technologies and software, which help us safeguard all the information we collect online.

Information submitted by you is stored on secure servers Gwong Microfinance Bank has which are encrypted and access is restricted to only authorized persons in charge of maintaining the servers. Gwong Microfinance Bank has put in place physical, electronic and procedural processes that safeguard and protect your information against unauthorized access, modification or erasure. However, Gwong Microfinance Bank cannot guarantee 100% security as no security programme is completely foolproof. In the unlikely event that Gwong Microfinance Bank experience any breach to your personal data, such breach shall be handled in accordance with Gwong Microfinance Bank Data Privacy Policy. All such breaches shall be notified to the relevant regulatory authority within 72 hours of occurrence and were deemed necessary, based on the severity and potential risks, we shall notify you of such occurrence, steps taken and remedies employed to prevent a reoccurrence.

Gwong Microfinance Bank staff also have an obligation to maintain the confidentiality of any Personal Data held by us. As you know, transmission of data on the internet is never guaranteed regarding safety. It is impossible to completely guarantee your safety with electronic data and transmission. You are therefore at your own risk if you elect to transmit any data electronically.

Retention of Personal Data
Gwong Microfinance Bank shall retain your Personal Data for no longer than reasonably necessary for the purposes set out in this Policy and in accordance with legal, regulatory, tax, accounting or reporting requirements. Gwong Microfinance Bank may retain your Personal Data for a longer period in the event of a complaint or if Gwong Microfinance Bank reasonably believes there is a prospect of litigation in respect to the relationship with you. To determine the a Gwong Microfinance Bank appropriate retention period for personal data, we consider the amount, nature and sensitivity of the Personal Data, the potential risk of harm from unauthorized use or disclosure of your Personal Data, the purposes for which has processed your Personal Data and whether Gwong Microfinance Bank can achieve those purposes through other means, and the applicable legal, regulatory, tax, accounting or other requirements. Where your Personal Data is contained within a document, the retention period applicable to such type of document in our document Retention Policy shall apply.

Third Party Links
Gwong Microfinance Bank website or its email communication may include links to third party websites, plug-ins and applications. Clicking on those links or enabling those connections may allow third parties to collect or share data about you. Gwong Microfinance Bank do not control these third-party websites and are not responsible for their privacy statements. When you leave Gwong Microfinance Bank website, you are encouraged to read the privacy policy of every website you visit.

Cookies Policy
Please note that cookies don’t allow us to gain control of your computer in any way. They are strictly used to monitor which pages you find useful and which you do not so that we can provide a better experience for you.

i. Gwong Microfinance Bank advertisers and organization may have the occasion to collect information in regard to your computer for our services. The information is gathered in a statistical manner for Gwong Microfinance Bank use or advertisers on our site.

ii. Data gathered will not identify you personally. It is strictly aggregate statistical data about Gwong Microfinance Bank visitors and how they used Gwong Microfinance Bank resources on the site. No identifying Personal Data will be shared at any time via cookies.

iii. Data gathering can be about general online use through a cookie file. When used, cookies are automatically placed in your hard drive where information transferred to your computer can be found. These cookies are designed to help us correct and improve our site’s services for you. You may elect to decline all cookies via your computer or set up alerts to prompt you when websites set or access cookies. Every computer has the ability to decline file downloads like cookies. Your browser has an option to enable the declining of cookies. If you do decline cookie downloads you may be limited to certain areas of Gwong Microfinance Bank site, as there are parts of Gwong Microfinance Bank site that require cookies.

iv. Any of our advertisers may also have a use for cookies Gwong Microfinance Bank is not responsible, nor do Gwong Microfinance Bank have control of the cookies downloaded from advertisements. They are downloaded only if you click on the advertisement.

If you want to disable cookies, you can do it by accessing the settings of your internet browser. You can visit https://www.internetcookies.com, which contains comprehensive information on how to do this on a wide variety of browsers and devices.

Subject Access Request Response Procedure
1) Where you wish to exercise any of your data privacy rights you shall make a formal request by completing the Subject Access Request Form (SAR Form) and sending the completed form via email to us at [email protected].

2) Gwong Microfinance Bank shall contact you within 5 working days of the receipt of the SAR Form to confirm receipt of the subject access request and may request additional information to verify and confirm the identity of the individual making the request.

3) On receiving any request from you, Gwong Microfinance Bank shall record the request and carry out verification of the identity of the individual making the request using the details provided in the SAR Form and a valid means of identification such as international passport, driver’s license, national identification card or any other acceptable means of identification.

4) Where the request is from a third party (such as relative or your representative), Gwong Microfinance Bank will verify their authority to act for you and may contact you to confirm their identity and request your consent to disclose the information.

5) When your identity is verified, Gwong Microfinance Bank shall coordinate the gathering of all information collected with respect to you in a concise, transparent, intelligible and easily accessible form, using clear and plain
language with a view to responding to the specific request. The information may be provided in writing, or by other means, including, where appropriate, by electronic means or orally provided that your identity is proven by other means. Gwong Microfinance Bank may also contact you to ask you for further information in relation to your request to speed up its response.

6) Where the information requested relates directly or indirectly to another person, Gwong Microfinance Bank will seek the consent of that person before processing the request. However, where disclosure would adversely affect the rights and freedoms of others and Gwong Microfinance Bank is unable to disclose the information, Gwong Microfinance Bank will inform you promptly, with reasons for that decision.

Fees and Timeframe
i. Gwong Microfinance Bank shall ensure that it provides the information required by you within a period of one month from the receipt of the request. Occasionally, it could take Gwong Microfinance Bank longer than a month if your request is particularly complex or you have made a number of requests. In this case, Gwong Microfinance Bank will notify you and keep you updated. However, where Gwong Microfinance Bank is unable to act on your request, Gwong Microfinance Bank shall inform you promptly at least within one month of receipt of the request of the reasons for not taking action and give you the option of lodging a complaint with relevant regulatory authorities.

ii. Where the request relates to any perceived violation of your rights, Gwong Microfinance Bank shall take appropriate steps to remedy such violations, once confirmed. Remedies shall include but not limited to the investigation and reporting to appropriate authorities, recovering the personal data, correcting it and/ or enhancing controls around it. You shall be appropriately informed of the remedies employed.

iii. Any information provided to you by Gwong Microfinance Bank shall be provided free of charge. However, where requests are manifestly unfounded or excessive in particular because of their repetitive or cumbersome nature,

Gwong Microfinance Bank may:
a. charge a reasonable fee taking into account the administrative costs of providing the information or communication, taking the action required or making a decision to refuse to act on the request; or

b. write a letter to you stating refusal to act on the request and copying the relevant regulatory authorities.

Exceptions to Data Subjects Access Rights
To the extent permitted by applicable laws, Gwong Microfinance Bank may refuse to act on your request, if at least one of the following applies:

i. In compliance with a legal obligation to which Gwong Microfinance Bank is a subject.

ii. Protecting your vital interests or of another natural person; and

iii. For public interest or in exercise of official public mandate vested in Gwong Microfinance Bank.

Contact Us
Gwong Microfinance Bank welcomes any queries or requests you may have regarding our Data Protection Privacy Policies, or our privacy practices. Please feel free to contact us at [email protected] or by completing the Subject Access Request Form (SAR Form)