Effective Date: March 1, 2025

Thank you for using the TrustLao platform (hereinafter referred to as "the Platform" or "we"). We highly value your privacy and the protection of your personal information. While you use our services, we will collect, use, share, store, and protect your personal information in accordance with this Privacy Policy (hereinafter referred to as "this Policy").

Please carefully read and fully understand all terms of this Policy before using the Platform's services, especially the terms in bold. If you disagree with any part of this Policy, you should immediately stop using the Platform's services. Once you start using the Platform's services, it means you have agreed to and accepted all contents of this Policy.

I. Information Collection

1. Types of Information We Collect

Information you directly provide:

• Registration Information: When you register for a TrustLao platform account, you need to provide your phone number, set a password, and may need to provide other verification information (such as SMS verification code).
• Real-name Authentication Information: To comply with Lao laws and regulations, and ensure platform security and user identity authenticity, you need to complete real-name authentication by providing your real name, identity document information (Lao ID card or passport), bank account information (for receiving and making payments), etc.
• Loan/Lending Information: When you post loan requirements or make investments, you may provide other information related to loans/lending, such as loan purpose, loan preference settings, investment preference settings, etc.

Information we automatically collect:

• Device Information: When you use our platform services, we may automatically collect your device information, including device model, operating system version, device identifiers (such as IMEI, IDFA), IP address, etc.
• Log Information: We automatically collect information about your use of our platform services, including your access time, browsing history, click behavior, search queries, features used, etc.
• Location Information: After obtaining your explicit authorization, we may collect your location information for providing location-based services (such as risk assessment) or improving user experience.

2. Use of Cookies and Similar Technologies

• To ensure the normal operation of our platform, provide you with a more convenient browsing experience, and recommend content that may interest you, we may use Cookies or similar technologies (such as Web Beacons, Local Storage) to collect and store your information.
• You can manage Cookies through your browser settings. Most browsers allow you to accept or reject all Cookies, or accept only specific types of Cookies. You can also delete stored Cookies at any time. However, please note that disabling Cookies may affect your use of some platform features.

II. Information Use

1. How We Use Your Information

Provide Core Services: We use your information to provide TrustLao platform's core services, including:

• User registration, login, and account management.
• Real-name authentication and user verification.
• Loan requirement posting and information matching.
• Lending fund management and investment operations.
• Payment processing and overdue management.
• Customer service and support.

Improve Services and User Experience: We may use your information to:

• Analyze platform usage
• Evaluate service effectiveness
• Develop new features
• Optimize user interface
• Provide personalized recommendations

Security Assurance: We use your information to maintain platform security, including:

• Detect and prevent fraud, abuse, and illegal activities
• Conduct risk assessment and credit evaluation
• Resolve disputes and enforce platform agreements

2. Information Sharing, Transfer, and Disclosure

Sharing:

• Sharing with Borrowers/Lenders: To facilitate loan matching, we display certain borrower information (such as credit rating, loan requirements, and de-identified information) to lenders, and show lender's lending intention information (such as lending amount) to borrowers.
• Sharing with Business Partners: We may share your information with trusted third-party partners to provide better services. These partners include but are not limited to:
  • Payment Service Providers: For processing your payments and receipts
  • SMS Service Providers: For sending verification codes, notifications, etc.
  • Identity Verification Service Providers: For conducting real-name authentication
  • Data Analytics Service Providers: For analyzing platform usage
  • Collection Service Providers: For overdue debt collection services

Transfer:

• We will not transfer your personal information to any company, organization, or individual, except in the following cases:
  • With your explicit prior consent.
  • In the case of mergers, acquisitions, asset transfers, or similar transactions, if personal information transfer is involved, we will require the new company or organization holding your personal information to continue to be bound by this privacy agreement, otherwise, we will require that company or organization to seek authorization and consent from you again.

Public Disclosure:

• We will only publicly disclose your personal information in the following cases:
  • After obtaining your explicit consent.
  • Legal Disclosure: In cases where laws, legal proceedings, litigation, or government authorities mandate, we may publicly disclose your personal information.

III. Information Storage

1. Storage Location

• Your personal information may be transmitted across borders, but we will still make every effort to protect your personal information security.

2. Storage Period

• We will only retain your personal information for the period necessary to fulfill the purposes outlined in this agreement, unless otherwise required by laws and regulations.
• After you close your account, we will delete or anonymize your personal information in accordance with applicable laws.

IV. Information Security Protection

1. Technical Protection

• We use industry-standard security technologies to protect your personal information, including:
  • Data encryption during transmission and storage
  • Access control and permission management
  • Security auditing and monitoring
  • Data backup and recovery mechanisms

2. Administrative Protection

• We have established strict internal data access control systems, including management of employee access to personal information.
• We provide personal information protection training to all employees.

V. User Rights

Under Lao personal information protection laws, you have the following rights:

• Right to access your personal information
• Right to correct your personal information
• Right to delete your personal information
• Right to withdraw your consent to personal information collection

VI. Policy Updates

• We may update this Policy from time to time. Before updating this Policy, we will notify you in advance.
• After this Policy is updated, if you continue to use the Platform's services, it means you accept the updated Policy.

VII. Contact Us

If you have any questions or concerns about this Policy, please contact us through:

• Email: trustlao999@gmail.com
• Phone: +856 20 9239 8991

Please note that we typically respond to inquiries within 3 business days.