Privacy Policy | Triple BTL

TripleBTL ("we," "us," or "our") is committed to protecting the privacy of our users. This Privacy Policy describes how we collect, use, process, and disclose your personal information when you access or use our website, www.triple.cash (the "Website"), and any related services, content, or products (collectively, the "Services").

By using our Website and Services, you agree to the collection and use of your information in accordance with this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not use our Website or Services.

1. Information We Collect

We collect various types of information, including personal information, to provide and improve our Services.

1.1. Information You Provide Directly to Us:

Contact Information: Name, email address, phone number, mailing address.
Identification Information: Date of birth, resident registration number (foreign registration number), driver's license number, or other government-issued identification details.
Financial Information: Bank account details (account number, bank name), income, employment status, financial history, and other relevant financial data provided during applications.
Application Information: Details provided in loan applications, credit card applications, or other service requests facilitated through our platform.
Communications: Records of your correspondence with us, including customer support inquiries, emails, and chat messages.

1.2. Information We Collect Automatically:

Usage Data: Information about how you access and use the Website and Services, including IP address, browser type, operating system, pages viewed, referring URLs, access times, and duration of visits.
Device Information: Information about the device you use to access our Services, such as hardware model, operating system and version, unique device identifiers, and mobile network information.
Cookies and Tracking Technologies: We use cookies, web beacons, and similar technologies to collect information, personalize your experience, and analyze usage patterns. You can manage your cookie preferences through your browser settings.

1.3. Information We Collect from Third Parties:

Credit Bureaus and Financial Institutions: We may obtain your credit report, credit score, and other relevant financial information from credit reporting agencies (e.g., Korea Credit Bureau (KCB), NICE Information Service) and other financial institutions to assess your eligibility for our Services, verify your identity, and for fraud prevention.
Service Providers: We may receive information from third-party service providers who assist us with our operations, such as identity verification services, payment processors, and marketing partners.
Publicly Available Sources: We may collect information from publicly available sources to verify your identity or for fraud prevention purposes, where legally permissible.

2. How We Use Your Information

We use the collected information for various purposes, including:

To Provide and Manage Services:

Processing your applications for financial products by connecting you with potential lenders.
Verifying your identity and eligibility in accordance with relevant laws and regulations (e.g., Financial Services Commission guidelines).
Facilitating the introduction process between you and financial institutions.
Managing your account and providing customer support.
Communicating with you about your account, transactions, and service updates.

For Personalization and Improvement:

Customizing your experience on our Website and Services.
Analyzing usage trends and patterns to improve our Website, Services, and offerings.
Developing new products and features.

For Security and Fraud Prevention:

Detecting, preventing, and responding to fraud, abuse, security risks, and other illegal activities.
Protecting the security and integrity of our Website and Services.

For Legal and Compliance:

Complying with applicable laws, regulations, and legal processes in the Republic of Korea (e.g., Personal Information Protection Act (PIPA), Financial Services Act, Anti-Money Laundering (AML) obligations, Know Your Customer (KYC) requirements).
Responding to governmental or regulatory requests.
Enforcing our Terms and Conditions and other agreements.

For Marketing and Advertising:

Sending you promotional communications about our Services or those of our partners, where permitted by law and in accordance with your explicit consent (if required by PIPA).
Conducting market research and analysis.
(If applicable) Displaying targeted advertisements based on your preferences and Browse behavior.

3. How We Share Your Information

We may share your information with third parties in the following circumstances:

With Lending Partners and Financial Institutions: To process your applications, assess your creditworthiness, and provide the financial products you request. We share only the necessary information required for these purposes and ensure our partners are bound by confidentiality obligations.
With Service Providers: With third-party vendors, consultants, and other service providers who perform services on our behalf, such as payment processing, identity verification, data analytics, marketing, and customer support. These parties are obligated to protect your information and use it only for the purposes for which it was disclosed, in compliance with PIPA.
For Business Transfers: In connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business by another company. Your personal information may be part of the transferred assets, subject to continued adherence to this Privacy Policy.
For Legal Reasons: If required to do so by law, court order, or in response to valid requests by public authorities (e.g., government agencies, financial regulators) in the Republic of Korea.
To Protect Our Rights: To enforce our Terms and Conditions, investigate potential violations, or protect the rights, property, or safety of TripleBTL, our users, or the public.
With Your Consent: We may share your information with other third parties with your explicit consent, obtained in a manner compliant with Korean law.
Aggregated or Anonymized Data: We may share aggregated or anonymized data that does not directly identify you with third parties for various purposes, including research, analytics, and marketing.

4. International Data Transfers

As TripleBTL operates in the Republic of Korea, your personal information is primarily processed and stored within the Republic of Korea. If, for any reason, your personal information is required to be transferred to, stored, or processed in a country outside of the Republic of Korea, we will take steps to ensure that such transfers comply with the Personal Information Protection Act (PIPA) and other applicable Korean laws. This may include obtaining your explicit consent or implementing appropriate safeguards (e.g., data processing agreements, standard contractual clauses) to ensure the protection of your personal information.

5. Data Security

We implement reasonable technical and organizational measures designed to protect your personal information from unauthorized access, use, alteration, or disclosure. This includes encryption, access controls, regular security audits, and staff training on data protection. However, no method of transmission over the internet or electronic storage is 100% secure. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, including for the purposes of satisfying any legal, accounting, or reporting requirements under Korean law. When your personal information is no longer needed for these purposes, we will securely dispose of it in accordance with our data retention policies and the Personal Information Protection Act.

7. Your Privacy Choices and Rights (Under Korean Personal Information Protection Act)

As a user in the Republic of Korea, you have certain rights regarding your personal information under the Personal Information Protection Act (PIPA). These rights include:

Right to Access: You have the right to request access to your personal information held by us.
Right to Correction/Deletion: You have the right to request the correction or deletion of your personal information if it is inaccurate or no longer necessary for the purposes for which it was collected, subject to legal obligations.
Right to Suspension of Processing: You may request the suspension of the processing of your personal information.
Right to Object to Processing: You may object to the processing of your personal information for certain purposes, such as direct marketing.
Right to Withdraw Consent: Where we rely on your consent to process your personal information, you have the right to withdraw that consent at any time.
Opt-Out of Marketing Communications: You can opt out of receiving promotional emails from us by following the unsubscribe instructions provided in those emails.

To exercise any of these rights, please contact us using the contact information provided below. We may need to verify your identity before fulfilling your request to protect your privacy and security.

8. Children's Privacy

Our Website and Services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have collected personal information from a child under 18, we will take steps to delete such information promptly.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any significant changes by posting the new Privacy Policy on this page with a new "Last Updated" date. We encourage you to review this Privacy Policy periodically for any changes. Your continued use of the Website and Services after any modifications signifies your acceptance of the updated Privacy Policy.

10. Contact Us

If you have any questions or concerns about this Privacy Policy or our privacy practices, please contact us at:

TripleBTL
Email: cs@triple.cash