Terms and Conditions for the Use of Websites and Applications

Introduction

Entering the website www.pentorcambodia.com.kh and/or this Pentor (Cambodia) Plc. application ("Website and Application"), as well as opening various web pages contained on the Website and Application. Visitors or users of websites and applications ("User") agree and agree to abide by the policies of Pentor (Cambodia) Plc., Cambodia Regulation Law and the terms and conditions of use of the website and application (Terms and Conditions) set forth herein or both set forth generally and/or specifically set out in any part of the website and application. This app in whole or in part ("Terms and Conditions of Use") whereby the user acknowledges and agrees that the specified terms and conditions of use are subject to change without prior notice. The Company will announce such changes on the website and application or inform users of such changes in terms and conditions of use by any other means that the Company may determine from time to time and is considered effective from the date the change is announced on the website and application or by any other means that the company has notified users.

Any changes to these Terms and Conditions of Use will be published on this website and application and when users have accessed this website and application after such changes have been made, it is considered that the user agrees to accept all terms and conditions of use as changed. Therefore, the user should always follow the terms and conditions of use of this website. However, if the user does not agree or wishes to refuse to be bound by any terms and conditions of use, the user is requested to cease visiting and/or using this website immediately.

Nov 01, 2024

Definition

"Website and Application" means the website www.pentorcambodia.com.kh and/or the Pentor (Cambodia) Plc. application which is provided by Pentor (Cambodia) Plc.

"Company" means Pentor (Cambodia) Plc.

"User" means a person or juristic person who is a visitor, user, member, store, partner, service user, or person requesting to open an account or any other person who uses the website and application services and/or customers of Pentor (Cambodia) Plc., regardless of whether the visit, use, membership, use of the service, or access is done in any manner, through which device, through which channel, and whether there is a cost or not.

"Terms and Conditions of Use" means these Terms and Conditions of Use of the Website and Application (Terms and Conditions), both generally and/or specifically set forth in any part of this website and application, in whole or in part.

"User account" means a Pentor (Cambodia) Plc. account, an electronic wallet account (E-Wallet account), an electronic money account (E-Money account) or any other account of the same nature created or provided by the Company to the user upon the user's request to open an account.

"Personal information" means your information or information about an individual which enables the identification of that individual, whether directly or indirectly. It does not include information about the deceased and information about juristic persons. According to the law on personal data protection including sensitive personal data (Sensitive Data). In the case of an application, this Privacy Policy shall apply to applications that have been changed, improved, updated, or added by Pentor (Cambodia) Plc., except for applications that will be enforced according to terms or conditions other than the Company's Personal Data Protection Policy (Privacy Policy).

"Content" means text, articles, opinions, analyses, images, symbols, signs, artificial images, photographs, moving images, movies, sounds, sound recordings, designs, instructions, or communications in any manner and by any means on the Website and Application, and whether the content has restricted access or not.

Terms and Conditions of Website and Application Use

The Company is a provider of electronic money (E-Money) and/or electronic wallets which is permitted to operate under the existing law of Cambodia. The user must submit a request to open a user account to the company for consideration and approval of opening a user account.
Requesting to open a user account or making transactions through the Company's website and applications, users must display information, provide information, or confirm personal information or information and evidence of identity (Know Your Customer – KYC / Know Your Merchant – KYM) according to the conditions set by the company. The user certifies that the information you provide is true, accurate, complete, and current. When the company has received complete and correct information and evidence, the Company will consider and approve opening a user account or conducting transactions through the Company's website and application within 1-2 days.
The Company reserves the right to change the criteria for considering and approving account opening or transactions through the Company's website and application. There is no need to inform the user of the reason in advance. And the right to open each type of account is limited to 1 account per 1 national ID card number only.
The user agrees and consents to the Company collecting, using or disclosing information and identification evidence (Know Your Customer – KYC / Know Your Merchant – KYM), including the user's personal information. And the user agrees to update or update such information and evidence regularly. The Company may provide notifications to the user to update or update such information and evidence to be up to date as well.
The Company reserves the right to refuse requests to open accounts or conduct transactions through the Company's website and applications to users or persons of any nationality who have residence or has a source of income that comes from an area or high risk country according to the FATF statement and a country that is in the process of resolving the following deficiencies and Sanction Country.
Users will not violate the technological measures contained in the Company's website and applications or avoid, circumvent, delete, disable, modify, scramble, decode or in any other way cause any measures that the Company has installed, set up or use for protection or restrict access to any part of the Company's website and applications or content that causes damage.
The user will not use the software, any tool or device that interferes with the Website and Applications or the proper operation of the Company Websites and Applications.
If the company investigates and finds violations of the terms and conditions of use or other legal violations, the user agrees that the company can immediately suspend or terminate use, opening an account, or making transactions through the company's website without having to notify the user in advance.
Fee rate: the user agrees to pay the service fee at the rate specified by the company. The company reserves the right to change and charge fees, service fees and/or various expenses. For such fees the company will notify you in advance. The user agrees to allow the company to deduct fees, service fees and/or various expenses from an existing user account with the Company in accordance with the methods and conditions specified by the Company.
Users must be natural persons of Cambodia nationality and use identification documents only as identification cards. Unless there is a necessary reason, other documents can be used according to the conditions specified by the company.
When the user (Merchant and customer) completes a transaction, users receive evidence in electronic form through websites and applications.

User Account

In using this website and application, the Company may provide user accounts for each user as requested by the user from time to time. The Company has the sole right to consider and approve the opening of user accounts, set user account types, set access rights for each type of user account, any expenses related to user accounts, and duties and responsibilities of the user who owns the user account.

The user agrees to keep his or her account name (Username), password (Password) and any information strictly confidential and agree not to allow, and also use best efforts to prevent others from using your user account.

If the user's user account is used by another person, the user agrees and certifies that the use by such other person is done on behalf of the user and is binding as if the user had done it himself.

In addition, users can change, suspend or cancel their user accounts, user account name (Username) and/or Password, including asking for additional information about using this website and application.

Monday - Friday from 9:00 AM to 6:00 PM | www.pentorcambodia.com.kh | [email protected]

Cancellation and Suspension of Service

User-Initiated Cancellation

The user wishes to cancel the use or use of the website and application services. Users must notify their wishes themselves through the Call Center or other channels as specified by the Company and proceed according to the methods specified by the company. If there is still money remaining in the user's account and the user has not violated these terms and conditions of use, the Company will refund the remaining amount to the User after deducting any fees (if any) within the period specified by the Company but not exceeding 15 (fifteen) business days by transferring it to the User's bank account. The user agrees not to charge any interest or compensation from the company.

Company-Initiated Cancellation or Suspension

The company reserves the right to cancel service or suspend service without prior notice to users in the following cases:

Users use fake documents or present false information in registering for an account including information notification or present false evidence or show incomplete documents as requested by the company.
The user dies.
The user is a person who the government or government agency has ordered to seize or freeze property or is a designated person or being accused or is suspected of having committed a crime against the law.
The company has reason to suspect that the user has committed a crime or attempt to commit an offense as specified by law or do any act that may cause damage to the company or any other person.
If the user cancels the use of the mobile phone number used to open the account when the company becomes aware of the information on canceling the use of the said mobile phone number.
The user uses the user account for the wrong purpose that has been reported to the company and the company has carried out an inspection and there are reasonable grounds to suspect.
The user acts in violation of any of the conditions set forth in these terms and conditions of use.
The user has not accessed the service for a continuous period of more than 2 (two) years since the last access.
There are insufficient funds in the user's account for the Company to deduct the amount of fees charged by the Company.

The Company is not involved in or responsible for all damage that will occur because of the suspension and/or cancellation of such services.

In addition, in the case that the company has reasonable grounds to suspect, or the Company is necessary to comply with any law, the Company may contact to request users to clarify information, submit evidence or any additional documents for the company to consider. If the user does not perform the action requested by the company within the period specified by the company, the company reserves the right to cancel the service or suspend service immediately.

Actions After Company-Initiated Cancellation

If the user's account has no money remaining or the money in the account is not sufficient to pay the account maintenance fee, the Company will deduct only the user's remaining funds as account maintenance fees and cancel the service immediately. If the user's account has remaining funds, the Company will retain the user's funds and charge an account maintenance fee and/or a fee for keeping money from the user's account according to the above fee rates. Users have the right to request the remaining amount of money back from the company after deducting the account maintenance fee and/or money storage fee within the period specified by the company, without charging any interest or compensation from the company. In the case of requesting a refund, the company will verify the accuracy and transfer the remaining amount to the user's bank account or new user account according to the methods and conditions specified by the company. The company reserves the right to charge fees resulting from such transfers (if any).

User Testimonials

Users guarantee that they will not use this website and application to conduct transactions for illegal purposes, whether it is gambling, sex trafficking, money laundering, terrorism financing and the proliferation of weapons of mass destruction, or use the account for profit whether for the benefit of users and/or other persons who act as payment receiving agents or has the characteristics of being a channel for depositing and withdrawing cash, or used to conduct business in various forms, including actions that violate public order and good morals, infringe on the intellectual property rights of others, or are any other illegal act. The company has the right to suspend or cancel service immediately. And the user will be responsible for compensating the Company for all damage.
For verification/authentication purposes, the User certifies that the national identification card used to verify identity is the user's identification card that specifies correct personal information, real and current, the picture displayed on the card represents the user's current appearance with no difference due to cosmetic surgery or any other action that changes the user's appearance. If the user's appearance changes as a result of the above actions such that the verification system cannot verify they are the same person, the user agrees and acknowledges that the company has the right to refuse to enable the service or suspend the user's service.
The user certifies that he or she agrees to be bound by, comply with and cooperate with, including agreeing to prepare information and/or send documents, evidence or any documents which the Company may request for the purpose of considering opening the service, providing services, performing any transactions, or to comply with the requirements of the National Bank of Cambodia on the AML&CFT Law or any related legal provisions, both currently existing and/or that will continue to occur in the future.

Disclaimer and Limitation of Liability

The content displayed on this website and application is accessed or used on an "as is" basis or as published ("as available" basis) only. The Company makes no representations or warranties, whether directly or indirectly, in any matter, whether it is a guarantee of completeness, proper or the reliability of the content and information, or guarantees of the results that will be obtained from the use of the content or use of this website and application, including suitability for use. The company is not responsible for the loss or any damages, including not being responsible for profits or losses resulting from the use of the website and application in all cases.
The Company will take reasonable steps to ensure continuous, uninterrupted access to and use of this website. However, the Company cannot guarantee that access to the Website and Application will be free from delays or errors, nor does it guarantee that the Website and Application will be free from malicious programs, files, or software that may cause damage to the system or data in the user's system, such as viruses, computer worms, Trojan horses, spyware, or other malicious files (collectively referred to as "defects"). In the event that any defects occur, the company will not be responsible for any loss, damage, compensation, expenses, or damages arising from or resulting from those defects in every case.
The Company reserves the right to consider not allowing users to use this website and application, including the right to make changes or suspend the provision of website and application services, whether in part or in whole and at any time, to users without having to notify in advance or specify the reason.
All detailed information, articles or any information published on this website and application is the copyright of each author which the company has received permission to publish. Links, images, or any other content as well as comments or the views contained in the articles published on this website and application are the personal opinions or views of each author and are not related to the company or show that the Company agrees, accepts, or supports such opinions or views. Users should study the information carefully and use good judgment in making decisions.
The Company cannot guarantee that the advertisements contained on this website and application (if any) are accurate, complete, and free from defects. The Company is only a medium for transmitting advertising information and is not an agent, partner, or has any legal relationship with the owner of the advertisements. If the presentation of such advertisements causes loss or damage to the user, the company denies all liability and legal obligations in all cases.
Other than as specified in these Terms and Conditions of Use, the Company, its directors, managers, executives, employees, agents or consultants will not be held liable for mistakes or any defects on the website and application, or from data and content appearing on websites and applications, as well as not being liable for the results of any omissions related to this website and application, whether caused by contract, tort, negligence, or any other cause that may occur, even though the company has been informed that such damage may occur.

Links to Websites and Applications

Links to Other Parties' Websites and Applications

This website contains links to other websites and applications ("Linked Websites and Applications"). These links are provided for the convenience of users only. Linked websites and applications do not indicate that they are sponsored or supported or under the control or responsibility of the company. Therefore, the company cannot guarantee its accuracy, reliability or the security of linked websites and applications. And there will be no liability for any loss or damage that users experience from using or linking to such websites and applications. Users are requested to study the terms and conditions of the linked websites and applications.

Linking to This Website and Application

The Company is pleased to provide links to the Company's websites and applications. If users wish to link to the Company's website and applications, such linking must be subject to the following conditions:

This link must be made in text only, showing the following text: "Pentor (Cambodia) Plc." and/or text that is the same or similar to the said message.
This link must link to www{'.'}pentorcambodia{'.'}com{'.'}kh and/or Pentor (Cambodia) Plc. application.
The appearance, location owr any aspect of this link must not damage or impair the goodwill of the Company name and the company's trademarks.
The appearance, location, or any other aspect of this connection must not create the impression that the organization is associated with the Company or received support from the company.
The link must display the full screen of the company and not be displayed in the "frame" of the linked website and application.
Links must not convey the impression that the Company supports websites and applications or that there is any cooperation between the Company and users or organizations.
Linking must not be considered an inappropriate action or may lead to damage, infringement, obscene actions, or any topic or information that is illegal or violates copyright or intellectual property rights, ownership, privacy or the reputation of the company.
The Company is not liable for any loss or damage incurred to users or third parties due to this link. However, the Company reserves the right to seek remedies as provided by law in the event of a breach of this Agreement.
At any time, the Company reserves the right to revoke consent to link content or pages of this website and application and to cancel any link at its sole discretion.

Personal Data Protection Policy (Privacy Policy)

The user agrees and acknowledges that the Company may collect, use or disclose users' personal information, including but not limited to information according to ID card, necessary contact information, location, biometric data or biometrics of users that have been provided to the Company and/or that are in the Company's possession and/or that the Company has received or collected from other sources or individuals, for the purpose of considering the user's request to open an e-wallet account, identification, identity verification, transactions, service use, statistics, data analysis to develop services or provide benefits that may be beneficial to users in connection with the service, support services or contact for inquiries, including sending news information, marketing activities, promotional items or various products that users may be interested in through the company's notification channels.

The user acknowledges that the company may send or transfer the user's personal information to legal entities that control the company or are under the control of the company and juristic persons under the same control, including any other persons or legal entities with which the Company is a contractual party or has a legal relationship, as well as outside persons or juristic persons responsible for processing personal data both within and outside the country. Where there are insufficient personal data protection standards as required by law, the Company guarantees that the Company will implement measures to protect personal data that are appropriate and consistent with the standards required by law.

Users can study additional information from the Personal Data Protection Policy (Privacy Policy).

Website and Application Security Policy

The company has chosen technology measures for maintaining safety in transactions on the internet network to protect user information during data transmission over communication networks or from data theft by other persons or networks. All systems that do not have permission to connect to the company's network use measures such as firewalls or Secure Socket Layer (SSL) encryption, etc.

Confidentiality

In using this website and application, users may know or receive information from the Company or any other person for using the website and applications in accordance with these terms, which has not been publicly disclosed or was not intended to be publicly disclosed at the time the information was disclosed. The user agrees to keep the Company's information or information received from the Company confidential, whether it is personal or commercial information and whether it has value or not, and will not be disclosed, published, announced or distributed to third parties unless it is an action according to law, orders of agencies that enforce state power, or with written consent from the company in advance.

Violation of the Terms and Conditions of Use

In case of violation of these terms and conditions of use, the Company reserves the right to suspend access to or cancel any transactions or services provided on this website and application. Such suspension or cancellation does not deprive the Company of its right to receive remedies according to these terms and conditions of use, including any other rights according to relevant laws.

Governing Law

These Terms and Conditions of Use are to be enforced and interpreted according to the laws of the Kingdom of Cambodia without considering the provisions on conflicts of laws.

Separation

If any agreement, term or condition of these Terms and Conditions of Use is invalid or invalid under any law, then the agreement will be deemed invalid. Any other term or condition of the complete Terms and Conditions of Use shall be separated from any invalid or invalid portion and will continue to be effective.

Not Waiving Rights

If the Company does not enforce the agreement, any term or condition of these Terms and Conditions of Use, this will not affect the Company's rights to enforce the Agreement. Any subsequent terms or conditions of such terms and conditions of use, and waiving the right to violate the agreement, any terms or conditions of the user shall not be considered a waiver of the right to breach the agreement any such terms or conditions next time or waiver of rights in the agreement any other terms or conditions.

Dispute Resolution

If there is a dispute, any dispute arises because of these Terms and Conditions of Use and the two disputants were unable to reach an agreement. Both disputing parties agree to bring the said dispute to court in Cambodia.

Complaints, Reporting Problems or Assistance

Users may complain or report problems from using the website and applications or errors on the website and applications, including complaints or reporting general problems that are not related to the use of the website and applications, such as complaints about other users' website usage behavior that does not comply with these terms and conditions of use or using the website and applications in an illegal manner. Users can contact the company to file a complaint, report problems or request assistance through the following channels:

Monday - Friday from 9:00 AM to 6:00 PM

Building No. 685, Floor No. 1-2, Preah Monyvong Blvd, Sangkat Boeung Kang 3, Khan Boeung Keng Kang, Phnom Penh, Kingdom of Cambodia (Mark envelope: "Complaint" to Pentor (Cambodia) Plc.)

www.pentorcambodia.com.kh

[email protected]