AngkorPoint General Terms of Use

Article 1 (Purpose)

This agreement aims to stipulate the rights, obligations, and responsibilities of the company and members in relation to the use of the AngkorPay service provided by Union Mobile Co., Ltd. (hereinafter referred to as "the Company").

Article 2 (Definition of Terms)

The meaning of terms used in this agreement is as follows:

'AngkorPay Service' refers to payment services, remittance services, membership services of the company or partners, Angkor points (including event points) services, coupon services, billing services, authentication services, and other linked services provided by the company to members in transactions of goods or services ('goods, etc.') with partners.
'Member' refers to individuals who use the AngkorPay service provided by the company according to this agreement.
'Partner' refers to the business operators who have contracted with the company and use the AngkorPay service to sell goods, etc., to members or provide benefits like membership, AngkorPay points, coupons, etc.
'Payment Method' refers to the electronic method selected by the member to purchase and use goods, etc., through the payment service.
'AngkorPay Password' refers to a numeric authentication means set by the member for use of the AngkorPay service and registered with the company.
'Angkor Points' refers to prepaid electronic payment means that members can use as a payment method after being granted and charged to the member's account by the company.
'Event Points' refers to points that members can use to purchase goods, etc., at designated venues by the company after accumulating them through participation in promotions presented by the company, use of services or purchase of goods, etc., from partners or other events.
'Coupon' refers to a certificate stored and recorded electronically that members can obtain as a benefit when purchasing goods, etc., through partners.
'Billing Institution' refers to corporations or institutions that have entered into a separate agreement with the company and provide billing information to members and request payment through the billing service.
'Billing Information' refers to the contents of bills and notices sent by the billing institution to members through the billing service, receipts, marketing, and other information.
'Bill and Notice' refer to electronic documents containing information about usage charges and public charges, etc., that members must pay according to a contract with the billing institution or by law.
'Electronic Notification' refers to the transmission of billing information to members by the billing institution through the billing service.
'Automatic Payment' refers to a feature that allows regular bills and notices from billing institutions to be automatically paid using the payment service according to this agreement.
'Authenticated Member' refers to members who have been authenticated by the company for electronic signature generation information.
'User Institution' refers to an entity that wants to confirm the consistency of an authenticated member's electronic signature information and electronic signature verification information using the certificate issued by the company.
'Accident Information' refers to device information (including IP and MAC addresses, etc.) and personal information that occurs in electronic financial accidents or leaks of certificates.

Article 3 (Specification and Amendment of Terms and Conditions)

The company shall post the content of these terms and conditions on the AngkorPay service screen or on a separate linked screen or provide it through a popup screen so that members can easily know them.
The company may amend these terms and conditions within the scope that does not violate relevant laws.
When the company amends these terms and conditions, it will announce the amended terms at least one month prior to the application date and the reason for the amendment according to the method in paragraph 1, and notify the members through electronic means such as email for a certain period, in addition to the announcement.
If the company notifies or announces the amended terms according to the previous paragraph and clearly states that if members do not express their intention within 30 days, it will be deemed as consent, but the members do not explicitly express their refusal, then it will be regarded that the members have agreed to the amended terms.
If the member does not agree to the content of the amended terms, the company cannot apply the amended terms to that member, and in this case, the member may terminate the contract of use. However, if there are special circumstances where the company cannot apply the original terms to members who disagreed with the amended terms, the company may terminate the contract of use with those members.

Article 4 (Supplementary Rules to the Terms and Conditions)

The company may establish and operate individual terms and usage policies for necessary matters to be applied to individual AngkorPay services and announce the contents through the homepage, etc.
Matters not specified in these terms and conditions shall be primarily governed by laws related to the provision of services.
Members can check the changes in individual terms and usage policies through the AngkorPay app or website.
The electronic financial transaction terms and conditions shall have priority in electronic financial transactions, and these terms shall apply to individual parts of other services.

Article 5 (Denial of Agency and Guarantee)

The company operates, manages, and provides systems for convenient transactions of goods, etc., and various information exchanges between members and partners and billing institutions but does not represent the members, partners, or billing institutions. Moreover, the responsibility related to the transactions of goods, etc., and various information exchanges established between members, partners, and billing institutions, and the responsibility for the information provided mutually by partners, members, and billing institutions shall be directly borne by the respective partner, member, or billing institution in case there is no fault of the company.
The company does not guarantee the presence or authenticity of the intention to sell or buy, the quality, completeness, safety, legality, and non-infringement of rights of others concerning the goods, etc., transactions, and various information exchanges between partners, billing institutions, and members through the AngkorPay service, the truthfulness or legality of the information entered by members, partners, and billing institutions, and the materials posted on the URL linked through that information. The related risks are directly borne by the respective partner, member, or billing institution in case there is no fault of the company.
The company does not sell goods, etc., to members in relation to the AngkorPay service nor does it purchase goods, etc., from partners. It merely develops and provides payment tools that enhance the convenience of transactions between partners and members.

Article 6 (Types of AngkorPay Services)

The types of AngkorPay services provided by the company to members are as follows:

Payment Services: Refers to the collective payment services provided by the company to enable members to purchase and use goods, etc., sold by partners.
Remittance Services: Refers to services that allow members to remit a certain amount of money to recipients using Angkor points.
Membership Services: Refers to services that allow members to connect or sign up for new or already enrolled partner memberships through AngkorPay services, check the status and benefits of partner memberships, and use benefits.
AngkorPay Event Points Services: Refers to services that allow members to earn Angkor Pay event points by participating in promotions, purchasing goods, etc., or other events presented by the company and use them for purchasing goods, etc., at designated venues by the company.
Coupon Services: Refers to services that provide members with coupons offered by partners, and members can use these coupons when purchasing goods, etc.
Billing Services: Refers to services that allow members to receive and view billing information through AngkorLife and pay charges and taxes, etc., according to bills and notices.
Authentication Services: Refers to the authentication services provided by the company.
Other Linked Services: Refers to services provided in conjunction with partners and services incidental or linked to each of the services in this article.

Article 7 (Procedures for Using AngkorPay Services)

The company principally agrees to the use of AngkorPay services by concluding a service usage contract when an individual who wishes to become a member agrees to these terms and individual terms of the AngkorPay services they wish to use, and provides accurate information as required by the company.
Members can use AngkorPay services by providing necessary information to the company or partners. For example, payment services, remittance services, billing services, and authentication services require personal authentication information (such as name, personal identification information, mobile phone number, date of birth, gender, etc.), and authentication services may require additional information necessary for the validity check of account possession authentication and generated information after issuing a certificate. Members can use payment services and remittance services by providing and obtaining authentication and consent for credit card payment information (such as credit card number, expiration date, card password, etc.), account payment information (such as account number, account holder's name, etc.) to credit card companies and banks.
The information required for the use of AngkorPay services may change according to service content changes and changes in related laws and policies.
If an individual who wishes to become a member does not accurately provide the information requested by the company, they may be unable to use all or part of the services provided by the company or may be subject to restrictions on use, either before or after the fact.
The company may refuse to accept the use of all or part of the AngkorPay services if any of the following reasons occur:
1. If the application for use violates this article.
2. If an individual under the age of 12 applies for use.
3. If there is false information, omissions, or errors in the stated contents.
4. If a member who has been suspended by the company terminates the contract during the suspension period and reapplies for use.
5. If there is a history of termination of the AngkorPay service contract in the past due to violation of these terms and conditions or other reasons.
6. If it is confirmed that the application for use violates these terms and conditions or is illegal or unjust.
The company may reserve or refuse acceptance if there is no available facility related to AngkorPay services or there are technical or business problems.
Principally, the company notifies the applicant if the acceptance of use is reserved or refused according to paragraph 5 and paragraph 6 of this article.
The establishment of the contract of use is considered to be the time when the company indicates the completion of the application process.
The company may charge fees for service use. Fees policies, such as per transaction billing, setting free use conditions, monthly usage fees, etc., are notified and implemented in advance through the app/web.

Article 8 (Provision and Change of Member Information)

The company may additionally collect member information with the member's consent as needed after the conclusion of the AngkorPay service usage contract.
Members may view and modify their provided information online themselves for the conclusion and usage of the AngkorPay service contract.
Members should update their information online or notify the company of any changes through electronic mail or other means if there are any changes in the information provided to the company.
Any disadvantages incurred by not notifying the company of changes as mentioned in item 3 will be borne by the member.

Article 9 (Types of Payment Services)

The types of payment services provided by the company to members are as follows:

Easy Card Payment: A service where members can easily make payments using their registered card's payment information and AngkorPay password when purchasing goods, etc., from a seller.
Automatic Card Payment: A service where members register their card's payment information once, get authorization and consent from the card company, and then make automatic payments without entering AngkorPay password or other information when purchasing goods, etc., from a seller (additional authentication may be required by the card company or when needed).
AngkorPay Points Easy Payment: A service where members can easily make payments using the charged balance of AngkorPay points by linking their account to AngkorPay and entering the AngkorPay password when purchasing goods, etc., from a seller.
AngkorPay Points Automatic Payment: A service that allows automatic payment using AngkorPay points according to the method set by the company after applying once, and subsequent purchases of goods, etc., from a seller are automatically paid without entering the AngkorPay password or other information (additional authentication may be required as per company or bank linked with AngkorPay account).
AngkorPay Points Payment: A service where members can use their accumulated AngkorPay points at designated venues by the company to purchase goods, etc., after following the procedures set by the company, including entering the AngkorPay password.
Corporate Card Payment: A service that allows corporate members to register corporate-named cards and enable payments for goods, etc., purchased by designated employees (additional authentication may be required as per the card company and partners).

Article 10 (AngkorPay Points Account, Limits, Charging, Refund, Fees, Statute of Limitations, Payment, and Transaction Cancellation)

AngkorPay accounts can be linked to bank accounts affiliated with the company.
The company can set limits for holding, charging, paying, transferring, and receiving AngkorPay points, and detailed contents will be posted on the customer service help page. The company may reduce or limit the holding, charging, paying, transferring, and receiving limits of AngkorPay points if it deems or suspects illegal activities, misuse, or abnormal transactions with AngkorPay points accounts.
Members can charge AngkorPay points through methods such as withdrawal from the bank account linked to the AngkorPay points account, receiving AngkorPay points sent by other members, free issuance through events and promotions, and accumulation of seller refunds.
The company may limit the charging of AngkorPay points in the following cases:
1. Errors in AngkorPay password and account password or exceeding the number of input attempts.
2. Exceeding the maximum face value limit of AngkorPay points issued.
3. When AngkorPay points are reported in an accident.
4. If the balance in the bank account linked to the AngkorPay points account is insufficient.
5. Other technical or institutional reasons arise.

Members can use automatic charging for AngkorPay points and must set up automatic charging conditions beforehand.
If members request a refund of legitimate AngkorPay points, the company will deposit the refund amount into the bank account linked to the AngkorPay points account.
If it is difficult to process the refund as mentioned in the previous item due to problems with the bank account linked to the AngkorPay points account, the company will perform a one-time refund process by obtaining separate bank account information from the member.
In any of the following cases, the company will pay the balance of AngkorPay points recorded in AngkorPay upon the member's refund request:
1. If the merchant is unable to provide goods, etc., due to reasons like natural disasters and the member is unable to use AngkorPay points.
2. If the merchant cannot provide goods, etc., due to a defect in AngkorPay points.
3. If the member requests a refund of the balance of purchased AngkorPay points.

The reasons for withholding a member's refund request include, but are not limited to, the following. However, the company will process the refund as soon as these reasons are resolved:
1. If the member's AngkorPay points balance is less than the requested refund amount.
2. If the member's AngkorPay points balance is less than the refund fee.

The validity period for AngkorPay points is 10 years from the last charging or usage date. The company will notify the member at least three times, including 30 days before the expiry date, via AngkorLife , about the 'approaching expiry date,' 'ability to retrieve the balance before the expiry expires,' 'expiry of AngkorPay points, and inability to retrieve the balance,' and 'ways to apply for balance retrieval if there is no linked account or it is not valid.' Any balance not retrieved after the expiry date of AngkorPay points will expire.
Notwithstanding item 10, AngkorPay points issued for free through marketing and promotions may have separate usage purposes and validity periods. In such cases, the company will specify the restrictions at the time of accrual and ensure that the member can verify this through the service usage screen.
Members can use AngkorPay points as a payment method at any partner offering AngkorPay points and purchase goods, etc.
After the purchase price is deducted from the member's AngkorPay points and the transaction is concluded, if the member wants to cancel the transaction due to returns, cancellations, or other reasons agreed upon with the partner, it can be done according to the company's established procedures through the partner's AngkorPay point processing terminal (online sellers through online payment programs), and the cancellation amount will be recharged to AngkorPay points balance.

Article 10-2 (Consent to Direct Debit Collection and Withdrawal)

Members consent to direct debit transfers in the manner prescribed by the company according to relevant laws.
Members may request the company to withdraw consent according to the provisions of the previous item before the completion of the debit entry in the member's account ledger, and members cannot object to debits that occurred before the expression of withdrawal to the company. The company may specify different withdrawal timings for consent in case of bulk transactions or transactions based on reservations.
Members can withdraw the direct debit transfer consent mentioned in the previous two items by deleting the account linked to AngkorPay.

Article 11 (Membership Services)

Members can use the membership services after providing membership usage information required by partners and completing the procedures such as agreeing to the terms and conditions of the partner's membership.
Members can use the company's membership services after completing the procedures for the necessary information (such as email, student ID verification) required by the company.
Through the membership services, members can use services provided by the company or partners, such as managing membership cards, points, receiving membership benefits and news.

Article 12 (AngkorPay Event Points Service)

Members can earn AngkorPay event points according to the set conditions when they participate in promotions or other offerings provided by the company and meet the specified conditions.
Members can use AngkorPay event points for purchasing goods, etc., at designated venues as per the procedures and conditions set by the company.
AngkorPay event points can only be accumulated by meeting the conditions set by the company and cannot be purchased directly with a monetary value. Accumulated AngkorPay event points cannot be converted into cash, transferred to other users, or refunded.
AngkorPay event points will expire under the following circumstances:
1. If one year has passed since the day AngkorPay event points were granted (unless the company specifies a longer or shorter validity period at the time of granting the points).
2. If the AngkorPay event service agreement is terminated or if the member withdraws from the AngkorPay account where the event points are accumulated.
3. If the AngkorLife service agreement made at the time of creating an AngkorLife account is terminated.
4. If a customer uses AngkorPay event points and then withdraws from AngkorPay, the remaining points are forfeited and cannot be reclaimed even if the point use is canceled after withdrawal.
The company will notify members of the impending expiration of AngkorPay event points through AngkorLife messages or similar means. The timing of such notifications may vary individually according to the service situation.
Members can only use AngkorPay event points for their own transactions and should not, under any circumstances, sell or transfer them to others or engage in any activity that could be seen as essentially equivalent to selling or transferring.
If members abuse the AngkorPay event points system by acquiring benefits in unfair or illegitimate ways not permitted by the company, the company may take action including suspension of AngkorPay event points and recollection of unfairly or illegitimately acquired or used points. If a member lacks sufficient balance of AngkorPay event points for recollection, the company may temporarily suspend their use of the service until recollection is completed.
The company may recollect AngkorPay event points in the following cases:
1. If the reason for accumulating AngkorPay event points is canceled (such as payment cancellation).
2. If there is a pattern of abnormal accumulation and cancellation of AngkorPay event points.
3. If there is an abnormal pattern of accumulation or usage or other means not permitted by the company, or if conditions for accumulation are not met, or if there is abuse using the AngkorPay event points system.

Detailed terms regarding the allocation and use of AngkorPay event points are governed by policies set by the company, and the company will inform members through the customer service help page or similar means.

Article 13 (Coupon Services)

Members can receive coupons from partners provided through the AngkorPay service upon completion of agreeing to these terms and joining the AngkorPay services.
Members can receive benefits according to the conditions stated on the coupon when purchasing goods, etc., from partners.

Article 14 (Billing Services in General)

The billing services provided by the company to members include:
1. Electronic notifications.
2. Payment of bills and notices.
3. Transmission of marketing and newsletters from billing institutions.
4. Other services that the company develops or provides through affiliations to members.
The company distinguishes members as follows for the use of billing services:
1. "Associate members" who have agreed to these terms but have not completed authentication for the use of billing services and are limited to partial use of the services.
2. "Full members" who have agreed to these terms and completed authentication for the use of billing services and can use all the services.

The billing services available to members may vary according to the distinction of members under item 2, the usage environment of the member's device, the contract between the member and the billing institution, the member's separate consent, and related laws, etc.
The detailed contents and usage conditions of individual billing services according to item 1 are as stated on the billing service's guidance pages, and the company may specify separate available times for each range of billing services.
Members can use the billing services through AngkorLife. However, the composition and functionality of the billing services may vary depending on the type of device and OS (Android, iOS) used, and some features may not be available.
If members use the billing services connected to a wireless internet provided by their mobile telecommunications provider and not Wi-Fi, additional data communication charges may be incurred from the telecommunications provider.

Article 15 (Application and Termination of Electronic Notification)

Members can apply or terminate the electronic notification for each billing institution according to the procedure agreed upon by the company and the billing institution.
To receive electronic notifications from a billing institution, members must convey their intention and information to the billing institution in the method designated by the billing institution and agree to the essential matters required by the relevant laws for collecting and providing member information necessary for electronic notifications through the billing service.
The company can provide screens within the billing service to carry out the procedures in items 1 and 2.
Notwithstanding items 1 and 2, the company can provide electronic notifications to members according to the contract with the billing institution even without the member's application for electronic notification for each billing institution. However, if members do not wish to receive electronic notifications from a specific billing institution, they can opt-out at any time using the method provided by the company.
The application and termination of a member's electronic notification are subject to the final approval of the billing institution, and the company will start or terminate electronic notification to members through the billing service from the date designated by the billing institution.
The company may terminate a member's electronic notification reception for a particular billing institution upon request of the billing institution if the member cannot receive electronic notifications from the billing institution due to situations outlined in Article 16, item 8, or the contract between the member and the billing institution ends and there is no need for electronic notification.

Article 16 (Confirmation of Electronic Notification Details)

The company will send electronic notification details to members according to the schedule designated by the billing institution after receiving them from the billing institution through the billing service.
The company will post the electronic notification details on the billing service until the due date or a date separately designated by the billing institution and may delete them afterward.
Electronic notifications provided by the billing service may not include additional information and newsletters from the billing institution at the request of the billing institution.
If a member views the bills and notices according to electronic notification, the company may record the viewing status and provide the viewing status and time to the billing institution for consultation purposes or similar.
Members should directly contact the billing institution, the originator of the electronic notification, if they have any inquiries related to the contents of the received electronic notification.
The company is not responsible for situations where inquiries related to the contents of electronic notifications or the circumstances of the billing institution are not addressed.
The company is not responsible for any disadvantages that may arise due to members not receiving or viewing electronic notifications.
The company may send separate notifications to members through AngkorLife messages that electronic notifications have been sent, and by agreeing to these terms and applying for electronic notifications, members are considered to have consented to receive messages about the dispatch of electronic notifications. However, the company does not guarantee the receipt of messages regarding the dispatch of electronic notifications in the following situations and is not responsible for any damages resulting from not receiving such messages:
1. If the member has withdrawn from AngkorLife or deleted the application.
2. If the member's use of AngkorLife has been suspended according to Union Mobile Co., Ltd.'s policy.
3. If the member cannot check the message due to network environment problems or long-term non-confirmation of AngkorLife messages.
4. If there is an error or malfunction in AngkorLife's system or the billing service preventing message dispatch.
5. In other cases where the company determines that it is unavoidably unable to send the message.

Article 17 (Payment of Electronic Notifications)

Members can pay the amounts on the bills and notices received through electronic notifications using the electronic payment methods provided in the billing service.
The company is not involved in any contracts between members and billing institutions regarding the amounts for bills and notices due for payment.
Members cannot revoke payment instructions through the billing service and must directly request the billing institution if they wish to revoke a payment instruction. However, revocation of certain charges may not be possible through the billing institution according to related laws.
If refunds are necessary due to the inability to revoke payment instructions according to the payment method, refunds will follow the procedure determined by the billing institution.
The company may set limits on the number of one-time payments and the amount limit, and members may bear the payment fees for credit cards, etc., as stipulated in national taxes and other related laws.
Members can check their payment history in the billing service for up to 5 years. However, if related laws specify a different period for checking payment history, that period will apply.
Members can apply for automatic payment in the billing service after completing the payment-related procedures set by the company, and the company's acceptance of the application allows members to use the automatic payment feature.
The availability of automatic payment may vary according to the circumstances of the company and the billing institution.
Members using automatic payment must manage the automatic payment method to ensure that payment is made correctly on the designated payment date. Members bear the responsibility for any damages resulting from their fault in ensuring proper payment.
Even if members request the application, change, or cancellation of automatic payment, the request may be applied after a certain period according to the policy of the billing institution or the company's billing service operation policy.

Article 18 (Types, Application, and Use of Authentication Services)

The company provides the following authentication services to members:
1. Services such as new issuance, reissuance, renewal, deletion, suspension of effect, restoration of effect, and inquiry of authentication history for private certificates issued by the company.
The procedure for applying for a certificate is as follows:
1. Individuals who wish to obtain a certificate (hereinafter referred to as 'certificate applicants') must agree to these terms and conditions and other essential matters presented by the company.
2. Certificate applicants must complete the authentication procedure according to the authentication method presented by the company.
3. Certificate applicants can set an authentication password (or biometric information) according to the format determined by the company and receive the certificate.

The company may restrict the application and issuance of certificates in the following cases:
1. If the application is made in someone else's name.
2. If the certificate applicant is under 12 years old.
3. If false facts are stated in the application and issuance process of the certificate.
4. If the member fails to complete the authentication process presented by the company.
5. If a certificate is applied for or issued using accident information.
6. In other cases where issuance is difficult due to the fault of the certificate applicant.

Authenticated members can use the issued certificates through the authentication service for the following purposes:
1. Automated debit consent to the user institution for authenticated members.
2. Agreement or confirmation by the "authenticated member" on electronic documents issued by the user institution.
3. Simplified authentication for verifying the identity of authenticated members by user institutions.

Detailed contents and usage conditions for each purpose of use as per item 4, as well as possible authentication institutions where the certificate can be used, are as stated on the guide page within the authentication service.
The company generally provides authentication services 24/7 throughout the year. However, if necessary, the company can provide prior notice and then designate specific available times for certain ranges of authentication services.
The company may conduct regular maintenance as needed for the provision of authentication services, and the maintenance times will be announced through the authentication service or similar means.
The composition and functionality of the authentication service may vary depending on the type of device and OS (Android, iOS), and some functions may be unavailable.
If user institutions request registration of circulation information according to laws, the company can provide necessary information to dedicated institutions.
The company may restrict some or all uses of the certificates issued to authenticated members in the following cases:
1. If the identity verification or legal electronic transactions of the authenticated member are impossible due to death, detention, etc.
2. If a person under adult guardianship or limited guardianship registers as an authenticated member without reporting and consent through a legal guardian.
3. If the validity period of the certificate has expired.
4. If the company becomes aware that the authenticated member obtained the certificate by dishonest means.
5. If the company becomes aware that the certificate of the authenticated member has been used dishonestly.
6. If the company needs to restrict the use of already issued certificates for security reasons, such as related security procedures or leakage of electronic signature generation information of authenticated members.
7. In the event of war, conflict, natural disaster, or similar emergency situations or when such situations are expected to occur.
8. When a report of loss of the certificate is received through the company's customer service center or similar.
9. In other cases where the safety and reliability of the authentication service are at risk.

When an authenticated member sends/receives electronic documents or uses a certificate to view them, the company, as a certified electronic document intermediary, will deliver related electronic document circulation information to dedicated institutions. The received electronic documents are considered legally effective (equivalent to receipt under civil law) once they are received in the information processing system designated by the recipient according to the Electronic Document and Electronic Transaction Basic Law.

Article 19 (Fees for Authentication Services)

The company may charge fees to authenticated members for authentication services depending on the type. However, if fees are charged, the company will notify in advance the types of authentication services subject to fees, validity periods, and fees, etc., through the AngkorPay service.

Article 20 (Notifications, Obligations, etc., Related to Authentication Services)

When notifying authenticated members, the company may do so by posting on the AngkorPay service or electronically through AngkorLife, mobile messages, etc. Additionally, the company can replace individual notifications with a notice on the AngkorPay service for notifications to an unspecified number of authenticated members.
Except when there is a request from authenticated members, the company shall not store the members' electronic signature creation information and shall not use or disclose it without the consent of the authenticated members even when it is stored upon their request.
The company will securely store and manage records related to authenticated members' certificates and authentication operations for 10 years from the date the certificate's effect expires. The company should also ensure that the details recorded on the certificate or information associated with the certificate are accurately and securely maintained within the certificate's validity period.
Authenticated members should generate their electronic signature information safely using a reliable device. They should only provide accurate information, including their real name, for the collection of information necessary for the use of authentication services and ensure that the information provided to the company and associated with the certificate is maintained accurately and completely throughout the use of the authentication service. Authenticated members should securely store and manage their electronic signature creation information and immediately notify the company if they are aware of any risks of loss, damage, theft, or exposure of the information.
The copyright and intellectual property rights of the authentication service belong to the company. The company grants the right to use the certificate according to the terms of use in connection with the authentication service, and authenticated members may not transfer, sell, or provide as collateral, etc. Authenticated members should not use the information obtained through the authentication service for processing, selling, or any commercial purposes or allow third parties to use it.
If the company cannot provide the authentication service without intention or negligence, it does not bear responsibility for providing the authentication service.
The company may change all or part of the authentication service as necessary for operational or technical reasons, provided there are valid reasons.
If there are changes to the content, method of use, or usage time of the authentication service, the company will announce the reasons for the changes, the content of the changes, and the date of provision before the changes through the authentication service.
The company may temporarily suspend the provision of the authentication service if there are valid reasons for operational reasons, such as maintenance, replacement, or breakdown of computer or telecommunications equipment, disconnection of communications, the operating situation of user institutions, or other significant reasons. In such cases, the company will notify the authenticated members using the method stated in Article 20, item 1. However, if it is unavoidable to notify in advance, the company may notify afterward.
If the company causes damage to authenticated members due to its fault related to the provision of authentication services, it shall compensate for the damages. Also, if authenticated members cause damage to the company, user institutions, or third parties due to their fault related to the use of authentication services, they shall compensate for the damages.

Article 21 (Electronic Document Service)

The company provides the following electronic document services to members:
1. Transmission of electronic documents sent by financial institutions and other AngkorPay user institutions as per relevant laws.
2. Services for receiving, viewing electronic documents, and registering certified electronic addresses.
3. Services for storing electronic document circulation information and transferring it to dedicated agencies.

The application procedure for a certified electronic address is as follows:
1. Individuals who wish to register a certified electronic address (hereinafter referred to as 'certified electronic address applicants') must agree to these terms and conditions and other essential matters presented by the company.
2. Certified electronic address applicants must consent to the use of the certified electronic address for receiving and viewing electronic documents.
3. The company will create the certified electronic address for the applicants and transfer it (including personal identification information) to dedicated agencies for registration.

Documents sent using the certified electronic address by AngkorPay user institutions are received in the 'My Documents' section and can be viewed after consenting to the use of the certified electronic address.
Documents received in the 'My Documents' section via the certified electronic address are legally considered to have been delivered to the recipient.
If a certified electronic address applicant withdraws from AngkorPay membership, the company will convey the fact of withdrawal to the dedicated agency and cancel the registered certified electronic address.

Article 22 (Company's Obligations)

The company will not engage in acts prohibited by related laws and these terms and conditions and will strive to continuously and stably provide AngkorPay services.
The company will equip a security system for the protection of personal information so that members can use AngkorPay services safely, announce the personal information processing policy, and comply with it.
The company must address opinions or complaints from members if deemed legitimate in relation to the use of AngkorPay services. The company will communicate the processing procedures and results to members through a bulletin board or electronic mail.
The company is responsible for compensating for damages to members caused by the following types of accidents:
1. Accidents arising from forgery or alteration of access media.
2. Accidents occurring during the electronic transmission or processing of contract formation or transaction instructions.
3. Accidents arising from the use of access media obtained through false or other fraudulent means by intruding into information and communication networks based on related laws.
Notwithstanding item 4, the company may hold the member partially or fully responsible in the following cases:
1. If the member has lent the access media to a third party, delegated its use, or provided it for the purposes of transfer or collateral.
2. If a third party without authority has used the member's access media to perform electronic financial transactions and the member was aware or could have easily been aware of such unauthorized use but disclosed, exposed, or neglected the access media.
3. If the member refuses additional security measures required for electronic financial transactions by the company, beyond the verification required by relevant laws, and an accident as described in item 4.3 occurs.
4. If the member has disclosed, exposed, or neglected the media, means, or information used for additional security measures, or has lent, delegated its use, or provided it for the purposes of transfer or collateral, leading to an accident as described in item 4.3.
5. If the damage occurs to a corporate member (excluding small businesses) and the company has taken adequate caution, such as establishing and strictly following security procedures to prevent accidents.

Article 23 (Member's Obligations)

Members must accurately confirm the details and conditions of the transaction before purchasing goods, etc. Members are responsible for any loss or damage resulting from purchasing goods, etc., without confirming their content and transaction conditions.
Members must comply with these terms and conditions and the contents notified by the company on the AngkorPay service screen and are responsible for any loss or damage arising from violating or not fulfilling these terms and notifications.
Members must purchase goods, etc., under their own responsibility, and the company does not warrant or assume responsibility for the content and transaction conditions of the goods, etc., provided by partners.
Members must immediately notify the company if they become aware of the unauthorized use or identity theft of their name.
Members must use payment methods registered under their name when purchasing goods, etc., and must not arbitrarily use others' payment methods. Members are responsible for any loss or damage to the company, the legitimate owner of the payment method, PG, or the seller arising from unauthorized use of others' payment methods. However, in the case of corporate card payments as per Article 9, item 6, the user of the payment method will be the employee designated by the corporate member.
Members are responsible for managing credit card payment information used in card automatic payments, account payment information used in Angkor points payment and Angkor points automatic payments, AngkorPay passwords, etc., and must not provide, disclose, or engage in similar actions to third parties.
Members are responsible for any liabilities and disadvantages arising from the information they enter related to payments and related information during the use of payment services.
Members must report to the company immediately if they lose their smartphone, SIM card, or other devices being used for AngkorPay service or if there is an accident involving the exposure of their AngkorPay password, etc.
When using the payment service, members must use payment methods for which they have legitimate and lawful authorization, and the company may verify this. The company may also suspend the transaction or cancel the transaction until the verification of the legality of the member's payment method is completed.
In case of disputes with partners in the process of purchasing goods, etc., members should sincerely engage in dispute resolution.
Members must use Angkor points (including event points) or coupons according to the methods determined and recognized by the company.
Members must not use the information obtained through the AngkorPay service for commercial purposes or allow third parties to use it without the prior consent of the company, nor transfer, donate, or otherwise dispose of their rights and contractual status of using the AngkorPay service.
Members must cooperate with the company to safely provide AngkorPay services and actively respond to the company's requests for explanations if the company discovers any violations of these terms and conditions by the member.

Article 24 (Prohibited Actions by Members)

The company prohibits the following actions to ensure the reliability of the AngkorPay service and safe use of the service:
1. Using the AngkorPay service in an abnormal way or accessing the system in an abnormal manner other than the methods provided by the company.
2. Using the AngkorPay service provided by the company by stealing someone else's name, credit card information, mobile phone information, account information, etc.
3. Abnormal payment activities prohibited by laws such as the Specialized Credit Finance Business Act, etc.
4. Unauthorized alteration of information posted by the company or transmission or posting of information other than the information specified by the company (e.g., computer programs).
5. Acts that infringe the intellectual property rights of the company or other third parties.
6. Acts that objectively recognized as damaging the honor of the company or other third parties or interfere with their operations.
7. Replicating, distributing, or commercially using the information obtained from the AngkorPay service without the prior consent of the company.
8. Generating repeated payments without the intention of purchasing.
9. Other illegal or unfair acts.

The company may restrict the use of AngkorPay services or terminate the service agreement according to Article 26 if a member engages in any of the prohibited actions mentioned in this article. The company may also notify relevant government or judicial authorities of the member's prohibited actions if necessary.

Article 25 (Restrictions on the Use of AngkorPay Services, etc.)

To ensure the stability and reliability of AngkorPay services, the company may suspend all or part of a member's use of AngkorPay services or terminate the service contract if any of the following reasons occur. The company will notify the member in advance (or afterward in unavoidable cases) of such suspension or termination. Members whose use of AngkorPay services has been suspended will not be able to use the services during the suspension period. The company may set operational policies regarding specific criteria for such restrictions.
1. If the member violates obligations as stated in Article 24.
2. If the member engages in prohibited actions as stated in Article 25.
3. If the member's AngkorLife account is suspended or lost.
4. If there is a suspension request from an authority with investigative powers.
5. If the member violates any of the provisions of these terms or rules set on a separate page.
6. In other cases specified by the company in FAQs, help pages, operational policies, etc.
The company may lift the suspension if the member provides a reasonable explanation for the relevant reason or proves that there has been understanding from the transaction counterpart or meets other criteria set by the company.

Article 26 (Termination of Use Agreement)

Members may apply for termination of the use agreement at any time, and the company shall immediately process it according to the relevant laws. However, for card automatic payments and Angkor point automatic payments, members must first cancel the automatic payment registration with the seller service connected to the card automatic payment and Angkor point automatic payment.
When a member terminates the use agreement, the company will delete all of the member's data immediately, except in cases where the member's information is retained according to relevant laws and personal information processing policies.
Members bear the responsibility for disadvantages arising from the termination of the use agreement, and upon termination of the agreement, the company may reclaim various free benefits provided additionally to the member.
The company may terminate the use agreement if one of the following reasons occurs or is confirmed concerning the member:
1. If the member acts or attempts to act in a manner that hinders the smooth progression of the AngkorPay service.
2. If the member deliberately interferes with the company's business.
3. If a termination reason set forth in these terms or an equivalent reason occurs.
4. If a reason for refusal of acceptance of the use agreement as stated in Article 7 is confirmed concerning the member.
5. If the member's company account or AngkorLife account connected to the AngkorPay service is dormant or suspended.
If the company terminates the use agreement, it will notify the member of the reason for termination through electronic mail, etc. The company will provide a reasonable period for the member to object before termination. However, no objection period may be provided in cases determined by these terms and operational policies.
Even if the company terminates the use agreement, these terms will continue to apply to transactions of goods, etc., already concluded between the member and partners prior to the termination of the agreement.
If the use agreement is terminated by the company, the company may refuse the member's reapplication for use.
The member is responsible for any damages arising in relation to the termination of the use agreement, and the company bears no responsibility unless otherwise stipulated by relevant laws.

Article 27 (Personal Information)

The company will implement a personal information protection policy to ensure members can safely use the AngkorPay service and is obligated to protect the member's personal information. The company's personal information protection policy can be confirmed through the company's website or screens linked to the AngkorPay service.
The company may provide related information within the necessary scope to the parties involved in a transaction for smooth communication, consultation, and other transaction fulfillment when orders and payments are made through the AngkorPay service.

Article 28 (Suspension of AngkorPay Service)

The company may temporarily suspend the provision of the AngkorPay service when necessary for maintenance, expansion, replacement, relocation, and other maintenance and management of information and communication facilities, as well as in unavoidable cases like disruption of telecommunication and electricity supply. The company will announce the service suspension 7 days in advance. However, if prior notice is unavoidably impossible, the company may notify afterward.
The AngkorPay service may change according to relevant laws and policy changes. The company may temporarily suspend all or part of the AngkorPay service if there are substantial reasons for operation related to systems of partners, billing institutions, financial institutions with whom the company has contracts for providing the AngkorPay service, or as per the contractual situation.
The company will immediately announce if the AngkorPay service is suspended due to natural disasters, war, riots, terrorism, hacking, DDOS, etc., but if prior notice is impossible due to inevitable reasons like inoperability of information and communication facilities, the company will announce as soon as the situation is resolved.
If the company is unable to continue the AngkorPay service due to bankruptcy application, commencement of corporate rehabilitation procedures, or other difficulties in normal business operations, it may suspend the AngkorPay service 30 days after notifying the member.
In the case of suspension as per items 1 to 2, the company will make its best efforts to resume the AngkorPay service as quickly as possible.

Article 29 (Company's Disclaimer)

The company is not involved in and does not bear responsibility for the delivery, cancellation or exchange, return, or refund of goods, etc., related to the sale of goods, etc., between partners and members. The progress of these transactions is the responsibility of each partner and member involved in the transaction.
The company is not obligated to intervene in disputes arising between members or between members and third parties, including billing institutions, mediated by the billing service, and does not bear the responsibility to compensate for any damages incurred by the member.
The company is not responsible for transactions between authenticated members and user institutions using certificates, nor for service disruptions in the certificate service due to reasons not attributable to the company. Also, the company is not liable for damages arising due to the fault of authenticated members or user institutions if there is no fault on the part of the company.
The company is not responsible for disruptions in the use of AngkorPay services due to the member's fault.
The company is not responsible for damages arising from the provision of the member's personal information, AngkorPay service registration information, etc., to third parties, or leakage due to the member's negligence.

Article 30 (Governing Law and Jurisdiction)

Cambodian law shall be the governing law for matters related to these terms and conditions.
Litigation arising between the company and members will be brought to the competent courts under the Civil Procedure Law.