M moneyX Privacy Policy

This privacy policy has been compiled to better serve those who are concerned with how their 'Personally Identifiable Information' (PII) is being used online. Please read our privacy policy carefully to get a clear understanding of how Lao Mobile Money Sole Company Limited collects, uses, protects, or otherwise handles your PII in accordance with our website and the M moneyX application.

Corporate Structure and Application Distribution

M moneyX is a service provided by Lao Mobile Money Sole Company Limited, which is a member of the Lao Telecom Group. The group consists of three primary entities:

• LAO TELECOMMUNICATION PUBLIC COMPANY (LTC): The parent company of the group.
• LAO MOBILE MONEY SOLE COMPANY LIMITED (LMM): The provider of e-wallet and financial services.
• TPLUS DIGITAL SOLE COMPANY LIMITED: The provider of telecommunications and digital services.

Please be advised that all three companies within the Lao Telecom Group utilize the TPLUS DIGITAL SOLE COMPANY LIMITED developer account to distribute applications. TPLUS DIGITAL SOLE COMPANY LIMITED represents the three companies in the group for the purposes of application store management and distribution.

Information Collection

As part of our continuing relationship with you, we collect your Customer Data, which consists of Personal and Non-Personal Information:

Personal Information

To provide a better experience while using our Service, we may require you to provide us with certain personally identifiable information, including but not limited to:

• Phone number and email address.
• Contact lists and Files.
• Photos and Device IDs (including IMEI).
• GPS Location data.

Non-Personal Information

This includes any information that does not identify you individually, such as statistical data, analytical data, and anonymous aggregate reports.

When do we collect information? We collect information from you when you register on our site or enter information on our site or the M moneyX App to perform account transactions.

Use of Information

We may use the information we collect when you register, make a purchase, sign up for our newsletter, or use certain other site features in the following ways:

• To personalize your experience and deliver the content and products in which you are most interested.
• To improve our ability to respond to your customer service requests.
• To quickly process your transactions.
• To follow up with you after correspondence via live chat, email, or phone inquiries.

Data Protection and Security

Lao Mobile Money Sole Company Limited takes paramount care in protecting your Customer Data. We implement proper safeguards to ensure confidentiality, prevent unauthorized use, and comply with legal requirements.

• Security Scanning: Our website and the M moneyX App are scanned regularly for security holes and known vulnerabilities. We use regular Malware Scanning and vulnerability scanning to PCI standards under the ISO 27001 certification.
• Encryption: Sensitive information is encrypted via Secure Socket Layer (SSL) technology.
• Access Control: Data is only accessed by authorized personnel under strict confidentiality. We restrict access to employees, contractors, and agents of the group who are subject to technical safeguards and contractual obligations.

Managing Your Information

We strive to keep our records accurate. Once registered, you may access and correct your Personal Information through:

• The M moneyX app account details section.
• Contacting the LMM Customer Loyalty Call Center at 101.
• Visiting any LMM Agent Store or our website at mmoney.la.

Children’s Privacy (COPPA)

In accordance with the Children’s Online Privacy Protection Act (COPPA), the M moneyX app is not aimed at children under 13 years old. We do not deliberately collect personal information from children under 13. If you are under 13, please do not submit personal information; instead, have a parent or guardian interact with our services on your behalf.

Cookies

• Tracking: We do not use cookies for tracking purposes.
• Functionality: We may use cookies to deliver specific content or for other site features.
• Third Parties: Promotions or advertisements on our site may contain cookies from outside advertisers, over which we have no control.
• Control: You can turn off cookies through your browser settings, though some features may not function properly as a result.

Third-Party Disclosure and Links

Disclosure: We do not sell, trade, or transfer your PII to outside parties. We only share information with providers upon your request or consent, or in accordance with this policy.

Links: We may include third-party products or services which have independent privacy policies. We have no liability for the activities of these linked sites.

CAN-SPAM Act Compliance

We collect your email to identify customers, send information, and respond to inquiries. In accordance with the CAN-SPAM Act, we agree to:

• Not use misleading subject lines or email addresses.
• Identify advertisements and include our physical business address.
• Honor opt-out/unsubscribe requests quickly via the link at the bottom of each email.

Policy Updates

We reserve the right to modify this policy at any time by posting updates on our site. Such changes are effective immediately. It is your responsibility to review this policy periodically.