Overview:

This Privacy Policy (“Policy”) applies to data collected by Viet Time Group, Inc a marketplace of business loan products and related services (collectively “Services”). The Policy has two parts:
Part 1 provides our U.S. Privacy Policy, including our Privacy Policy for viettimegroup.com (“Website”), which is owned by Viet Time Group, Inc and operated by Time Group, Inc. This Policy describes how Viet Time Group collects and uses the personal information you provide (directly or through third parties), or which is automatically generated when you interact with our Website, and our mobile application (“Mobile App”).
Part 2 is our California Supplement, which provides our California Consumer Privacy Act of 2018 (“CCPA”) Privacy Policy. The CCPA provides various rights to consumers who reside in California about personal information. A natural person, including a business owner or guarantor, is a consumer under the CCPA. Any terms defined in the CCPA have the same meaning when used in Part 2.

Part 1: Working Viet Time Group US Privacy Policy

This Privacy Policy describes the choices available to you regarding our use of your personal information and how you can access and update such information. For purposes of this Privacy Policy, “Personal Information” means information that personally identifies you, including your contact information, IP address, and loan application information. A large portion of the Personal Information we collect, use, share, and store are sensitive in nature, including your social security number and financial account information (“Sensitive Personal Information”).

INFORMATION WE COLLECT:

We collect the following information from you:Contact information such as name, business name, email address, mailing address, and phone number.
Financial information such as bank statements, credit card statements, your average bank balance, personal and business credit history, payment behavior, bank account information, and tax ID number; Social security number.
Unique identifiers such as username and password, and IP address; Business information including company size, and business type, and beneficial ownership information*
In addition to collecting information via our Website and Mobile App, we may also conduct a site visit to collect information and obtain information and external data used by lenders to process applications and complete and manage transactions, e.g., from credit reporting agencies and other vendors, as well as from social media. Once you are a Viet Time Group customer, we may reach out to you for, or otherwise obtain, information if you decide to renew your loan or as otherwise needed to provide the Service.
* When required in the U.S., we will collect information on the beneficial owners of our business customers for purposes of verifying their identity only. The U.S. Government implemented the beneficial ownership regulation to help deter financial crimes. By complying, we are doing part in upholding the regulation to protect the financial system. Pursuant to our privacy policies and procedures, we will maintain beneficial ownership information in our system of record.

USE OF INFORMATION:

We use the information we collect to:

• Compile, save, use, and analyze your Personal Information in both a personally identifiable form and as part of aggregated data.
• Operate, maintain, improve, and provide to you the Service and to conduct our business, including our own lending and referring you to third party small business lenders. Verify your identity and conduct appropriate diligence; Register you as a user and identify you when you sign into your account; Process your business’ application and determine whether or not your business qualifies for one of our loan products; Process your business loan product account, including deducting automatic payments
• Produce data analytics and reports containing de-identified summaries of Personal Information and other information that is not Personal Information (such information, “General Information”) that we share with business partners. General Information may include Personal Information that has been aggregated and will not identify you.

PRIVACY & SHARING OF INFORMATION:

• Viet Time Group may share your information with its affiliated entities for business purposes, such as financial reporting. Should you apply to Viet Time Group or its affiliated entities for a financial product or service, Viet Time Group may share your application status, borrowing history, and loan performance. Viet Time Group will share your Personal Information with third parties only in the ways that are described in this Privacy Policy and as required by law. Neither Viet Time Group (or any of its affiliated entities) will sell your Personal Information to third parties.
• We will provide your Personal Information, which may include application information, to our trusted business partners, third party lenders of Viet Time Group products, service providers, and subsidiaries and affiliates to provide financing and/or to provide services to help us with our business activities, such as offering customer service, processing credit checks or secure data storage, and other similar services. These companies are authorized to use your Personal Information only as necessary to provide these types of services to us. In addition, we may share your basic information (name, company name, phone number, email address and requested loan amount) with one of our business partners to market their services to you, provided, however, if you do not want us to share your Personal Information in these circumstances with these business partners, please contact us to opt out by email at admin@viettimegroup.com or by postal mail at the contact information listed below. In addition, we may also share General Information for the same reasons as we provide Personal Information and for business partners and others to conduct analyses and research and track marketing performance or as otherwise provided in the Tracking Technologies part herein.
• Some of our pages utilize framing or white-labeling techniques to serve content from our partners while preserving the look and feel of our Website. For example, our Careers page utilizes white-labeling techniques. Please be aware that in these instances you are providing your Personal Information to these third parties and not to Viet Time Group.

We may also disclose your Personal Information:

• As required by law, such as to comply with a subpoena, or similar legal process, including in a bankruptcy proceeding.
• When we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a request from a governmental entity.
• If Viet Time Group is involved in a merger, acquisition, or sale of all or substantially all of its assets or equity, in which case, you will be notified via email and/or a prominent notice on our Website of any change in ownership or uses of your Personal Information, as well as any choices you may have regarding your Personal Information and
• To any other third party with your prior consent to do so.