This Personal Data Privacy Policy (“Policy”) outlines the activities related to the processing of personal data of Users when accessing the website or application Vnnow.net (“Vnnow.net”).

This Policy governs how Vnnow.net collects, processes, and stores personal data of Users who use or interact with Vnnow.net products, websites, applications, or services.

For clarity, this Data Privacy Policy applies only to individual users. Vnnow.net encourages Users to read this Policy carefully and regularly check the website for updates or changes that may be made according to the terms of this Policy.

An individual who accesses, learns about, registers for, uses, or is involved in the operation and provision of products and services of Vnnow.net.

Information in the form of symbols, letters, numbers, images, sounds, or similar formats in the electronic environment that is associated with or helps identify a specific person.

Personal data includes both basic and sensitive personal data.

Surname, middle name, birth name, other names (if any)

Date, month and year of birth; date, month, year of death or disappearance;

Gender

Place of birth, place of birth registration, permanent residence, temporary residence, current residence, hometown, contact address

Nationality

Images of individuals

Phone number, ID card number, personal identification number, passport number, driver's license number, license plate number, personal tax code number, social insurance number, health insurance card number

Marital status

Information about family relationships (parents, children)

Information about individuals' digital accounts; Personal data that reflects activities and history of activities in cyberspace

Any other information that can identify a specific individual and does not fall within Sensitive Personal Data.

Other data according to current legal regulations

Personal data associated with an individual's privacy rights that, when violated, will directly affect the individual's legitimate rights and interests, such as:

Political views, religious beliefs

Health status and medical records, excluding blood type

Racial and ethnic origin

Genetic information

Physical attributes and biological characteristics

Information about sexual orientation and sex life

Criminal records

Financial and banking information: information of credit institutions, foreign bank branches, payment intermediary service providers, and other authorized organizations, including: User identification information according to the provisions of law, account information, deposit information, deposited asset information, transaction information, information about organizations and individuals who are guarantors at credit institutions, bank branches, payment intermediary service providers

Location data

Any other personal data that is considered sensitive by law.

Preventing, detecting, and handling violations related to personal data in compliance with legal requirements.

Refers to any operation or series of operations performed on personal data, such as collection, recording, analysis, confirmation, storage, editing, disclosure, combination, access, retrieval, retrieval, encryption, decryption, copying, sharing, transmission, provision, transfer, deletion, or destruction.

Any organization or individual other than Vnnow.net or its Users as defined in this Policy.

For further clarity, any terms not explained in this Article will be understood and applied according to Vietnamese law.

3.1. Vnnow.net may process Users' personal data for the following purposes:

Providing products or services of Vnnow.net

Updating, securing, and improving products, services, and applications

Verifying user identity and ensuring confidentiality

Responding to Users' service requests

Notifying Users of changes to policies, promotions, or services

Analyzing data to enhance service quality and conduct marketing activities

Preventing fraud, identity theft, and other illegal activities

Having a basis for establishing, exercising legal rights or defending legal claims of Vnnow.net, Users or any individual. These purposes may include exchanging data with Vnnow.net and other organizations to prevent and detect fraud and reduce credit risk.

Complying with applicable laws, industry standards, and Vnnow.net policies

Any other purpose specific to the operation of Vnnow.net

3.2. Vnnow.net will request Users' consent before using personal data for any purposes beyond those outlined in section 3.1, at the time of collecting the User's personal data or before initiating related processing or as otherwise required or permitted by applicable law.

4.1. User personal data will be kept confidential in accordance with Vnnow.net regulations and legal requirements. Data will only be processed with the User’s consent, unless otherwise required by law.

4.2. Vnnow.net will not use, transfer, or share personal data with third parties without the User's consent, except as required by law.

4.3. Vnnow.net will comply with other personal data security principles according to current legal regulations.

4.4. Vnnow.net uses various information security technologies to protect Users' personal data, but no system is 100% secure. Therefore, Vnnow.net commits to maximum security of Users' personal data. Some unwanted consequences and damages that may occur include but are not limited to:

(a) Hardware or software errors during data processing that result in the loss of User data.

(b) Security vulnerabilities beyond Vnnow.net’s control, leading to system attacks by hackers and data breaches.

(c) Users inadvertently disclose personal data due to carelessness, fraud, or visiting websites/download applications containing malware.

4.5. Users should secure their electronic devices during use by locking them, and log out or exit their accounts on Vnnow.net's website or application when not in use.

To provide products and services to Users and/or process User requests, Vnnow.net may need to collect and process the following types of personal data:

Basic personal data of the User and their related individuals.

Sensitive personal data of the User and their related individuals.

Data related to websites or applications, including technical data such as device type, operating system, browser type and settings, IP address, language preferences, date and time of website connection, application usage statistics, application installations, and location data. This may also include secure login details and usage data.

Marketing data, including advertising interests, cookie data, clickstream data, browsing history, responses to direct marketing, and opt-out preferences for direct marketing.

Vnnow.net collects personal data from Users through the following methods:

When Users submit a registration request or any other form related to Vnnow.net products and services.

When Users interact with Vnnow.net's customer service staff, such as through phone calls, letters, face-to-face meetings, emails, or social media interactions.

When Users use Vnnow.net's websites and applications.

When Users are contacted by and respond to Vnnow.net's marketing representatives or customer service staff.

When Users submit their personal information to Vnnow.net for any other reason, including signing up for free trials or expressing interest in Vnnow.net products and services.

(a) If the User interacts with third-party content or advertisements on the website or within the application, Vnnow.net may receive the User’s personal information from the relevant third party, in accordance with that third party's applicable privacy policy.

(b) If the User makes an electronic payment directly to Vnnow.net or through the website or application, Vnnow.net may receive the User’s personal data from third parties, such as payment service providers, for the purpose of processing the payment.

(c) To comply with its legal obligations, Vnnow.net may receive personal data about Users from legal authorities or public agencies in accordance

with the law.

(d) Vnnow.net may receive personal data about Users from public sources, such as phone books, advertising materials, or information published on electronic news websites.

Whenever such personal data is collected, Vnnow.net ensures that it is obtained from relevant third parties in compliance with applicable laws and holds those third parties accountable for adhering to personal data protection regulations.

7.1. Vnnow.net may share or jointly process personal data with the following organizations and individuals:

(a) Contractors, agents, partners, and operational service providers of Vnnow.net.

(b) Branches, business units, and employees working at Vnnow.net’s branches, business units, and agents.

(c) Telecommunications companies in cases where the User violates payment obligations.

(d) Vnnow.net's professional advisors, such as auditors and lawyers, in accordance with legal provisions.

(e) Courts and competent state agencies, as required by law or when permitted by law.

7.2. Vnnow.net will only share or jointly process personal data when necessary to fulfill the purposes outlined in this Policy or as required by law. Organizations and individuals receiving Users' personal data must comply with the provisions of this Policy and applicable data protection laws.

While Vnnow.net will make every effort to ensure that User information is anonymized or encrypted, the risk of data disclosure in force majeure situations cannot be entirely eliminated.

7.3. If other personal data processing organizations are involved as mentioned in this Article, Users agree that Vnnow.net will notify them before any data is shared with these organizations.

Vnnow.net ensures that the processing of Users' personal data fully complies with legal requirements in the following special cases:

8.1 Vnnow.net respects and protects children's personal data. In addition to legal protection measures, before processing personal data of children, Vnnow.net will verify the child’s age and obtain consent from (i) the child and/or (ii) the child’s parent or guardian, in accordance with the law.

8.2 For the processing of personal data related to individuals who are declared missing or deceased, Vnnow.net will obtain consent from an appropriate party as required by current legal provisions, in addition to complying with other relevant laws.

(a) The right to consent to or refuse the processing of their personal data, unless otherwise required by law.

(b) The right to access, view, edit, or request corrections to their personal data by submitting a written request to Vnnow.net, unless otherwise provided by law.

(c) The right to withdraw consent at any time by submitting a written request to Vnnow.net. Withdrawing consent does not affect the legality of data processing that occurred before the consent was withdrawn.

(d) The right to delete or request the deletion of their personal data by submitting a written request to Vnnow.net, unless otherwise required by law.

(e) The right to request restrictions on the processing of their personal data by submitting a written request to Vnnow.net, unless otherwise required by law. Vnnow.net will implement the restriction within 72 hours after receiving the request, unless otherwise prescribed by law.

(f) The right to request a copy of their personal data from Vnnow.net by submitting a written request, unless otherwise required by law.

(g) The right to object to the processing of their personal data for advertising or marketing purposes by submitting a written request to Vnnow.net. Vnnow.net will comply with the request within 72 hours of receiving it, unless otherwise provided by law.

(h) The right to file complaints, report, or take legal action in accordance with the law.

(i) The right to claim compensation for actual damages if Vnnow.net violates regulations regarding the protection of their personal data, unless otherwise agreed upon by the parties or stipulated by law.

(j) The right to seek protection of their civil rights as outlined in the Civil Code or by requesting relevant authorities and organizations to take appropriate actions to protect their rights, as per Article 11 of the Civil Code.

(k) Any other rights as prescribed by applicable law.

Comply with the laws, regulations, and instructions provided by Vnnow.net regarding the processing of Users' personal data.

Provide complete, accurate, and truthful personal data and other information as requested by Vnnow.net during registration and while using Vnnow.net's services, as well as notify Vnnow.net of any changes to this information. Vnnow.net will secure the personal data based on the registered information. If incorrect information is provided, Vnnow.net will not be responsible for any issues affecting the User's rights. Users are responsible for any risks, losses, or damages, including financial losses, arising from incorrect, incomplete, or delayed updates of their information.

Coordinate with Vnnow.net, relevant state authorities, or third parties in cases where the security of personal data is at risk.

Take measures to protect their own personal data while using Vnnow.net's services and promptly notify Vnnow.net of any errors or concerns regarding their personal data or suspected violations.

Be solely responsible for the information, data, and consent they provide in the network environment, and assume responsibility if their personal data is leaked or violated due to their own actions.

Regularly review and stay updated on the Regulations and Policies of Vnnow.net, as notified to Users or posted on the website and other transaction channels. Follow Vnnow.net's instructions to provide clear consent or disapproval regarding the processing of personal data as notified by Vnnow.net.

Respect and protect the personal data of others.

Fulfill any other responsibilities as prescribed by applicable law.

Vnnow.net commits to storing Users' personal data only for purposes outlined in this Policy. Additionally, Vnnow.net may retain personal data for a period of time as required by applicable law.

11.1. To fulfill the purposes of processing personal data outlined in this Policy, Vnnow.net may need to provide or share Users' personal data with relevant third parties, which may be located in Vietnam or outside of Vietnam.

11.2. When transferring personal data abroad, Vnnow.net will require the receiving party to ensure that the transferred personal data is kept confidential and secure. Vnnow.net will comply with all legal and regulatory requirements related to the transfer of Users' personal data.

11.3. For European Union (EU) Users: Users' personal data may be accessed, transferred, or stored outside the European Economic Area (EEA), including in countries that may not have the same level of data protection as EU regulations. Vnnow.net will adhere to the specific rules governing the transfer of personal data from within the EEA to outside the EEA and will implement appropriate safeguards to protect the transferred personal data.

12.1. When Users access or use the websites and online news sites (collectively referred to as "electronic news sites") of Vnnow.net, Vnnow.net may place one or more cookies on the User's device. A “cookie” is a small file placed on a User's device when visiting an electronic news site, which records information about the User's device, browser, and, in some cases, the User's preferences and browsing habits.

Vnnow.net may use this information to recognize Users when they return to Vnnow.net’s websites, to offer personalized services, compile analytical data to better understand website performance, and improve Vnnow.net's websites.

Users can modify their browser settings to delete or block cookies. However, if Users choose not to accept or block cookies from Vnnow.net’s websites, they may not be able to access all the features and functionalities of the websites.

12.2. Vnnow.net may process Users' personal information using cookie technology, in accordance with the provisions of these Terms. Vnnow.net may also use remarketing to display advertisements to individuals who have previously visited its website.

12.3. If third parties have placed content on Vnnow.net's websites (e.g., social media features), those third parties may collect Users' personal information (such as cookie data) if Users choose to interact with that content or use the third-party services.

If the User has any questions regarding this Policy or issues related to their rights as a data subject or the processing of their personal data, they may contact us using the following contact details:

Send an email to Vnnow.net at the address: contact@Vnnow.net

14.1. This policy takes effect from 01/08/2023. Users acknowledge and agree that this Policy may be updated periodically, and any amendments will be communicated through Vnnow.net's transaction channels before they take effect. Changes and their effective dates will be posted on Vnnow.net's transaction channels and other relevant platforms. The User's continued use of the service after the notice period for any amendments indicates acceptance of those changes.

14.2. Users acknowledge and agree that this Policy also serves as the Notice of Personal Data Processing, as specified in Article 13 of Decree 13/ND-CP/2023, including any amendments and supplements. Therefore, Vnnow.net is not required to take any additional measures to notify Users before processing their personal data.

14.3. Users agree to strictly comply with the provisions of this Policy. For any issues not addressed in this Policy, the Parties agree to adhere to applicable laws, instructions from competent state authorities, and any amendments or updates to this Policy as communicated to Users by Vnnow.net.

14.4. Users may encounter advertisements or other content on any website, application, or device that links to the websites or services of partners, advertisers, sponsors, or other third parties. Vnnow.net does not control the content or links on third-party websites or services and is not responsible or liable for the practices of third-party websites or services linked to or from Vnnow.net's platforms. These third-party websites and services may have their own privacy policies and terms of use.

14.5. This Policy is based on the mutual goodwill between Vnnow.net and Users. If any disputes arise during its implementation, the Parties will seek to resolve them through negotiation and conciliation. If conciliation fails, the dispute will be submitted to the competent People’s Court for resolution in accordance with the law.