JDB Privacy Policy
While the information is an important thing for everyone today. To serve customers is our concern. But the most important thing for us is our customers' relying on us. Therefore, we, The Joint Development Bank,Co., Ltd.hereinafter referred to as “JDB” with its headquarters located at 82 Ban Hatsadee Tai, Lane Xang Ave., Chanthabouly District, Vientiane Capital, Lao P.D.R, hereby declares our policy in order to safeguard confidential information of our customers or individual who visits our web site, using our Internet Banking, Mobile banking and any other electronic banking services. .
For Visiting our webs
You may visit our web site and find out our products and services, check our rates, and learn more about us without giving us any information about yourself.JDB is committed to continuous improvement of our web site. We may use software tools to gather information about site visitors' browsing activities in order to target a reas for improvement, gathered information may include date and time of visits, pages viewed, time spent at the site, browser types, internet service provider, and the site visited just before and just after the JDB site. We will also track browsing activities of customers who have accounts with JDB and who use our on line banking and bill payment services. As part of our security procedures, JDB may use a "cookie" to authenticate a user's request. A "cookie" is a small computer file that temporarily collect necessary information in your personal computer in order to facilitate and expedite your communication. JDB recognizes your privacy right; therefore, JDB tries to avoid using “cookie”. If JDB deems that using “cookie” pects, due care in using “cookie” will be rendered, and your security and privacy right are first prio
Respectfulness on Your Privacy
JDB respects your privacy right and recognizes that your expectation is to obtain the highest standard of security in entering into any transactions with JDBvia the JDB 's Web Site, Internet banking, Mobile Banking or any other electronic banking services. Therefore, your information received by JDB will principally be used pursuant to your purpose only and JDB will proceed with rigorous measures and procedures for security purpose and prevent such information from any unauthorized use without obtaining your prior permission
Collection and Retention of Personal In
Information regarding our customers is used solely in the legitimate conduct of our business, to deliver superior service and to design products and special offers that is intended to meet our customer's needs. Customer information will not be used, collected, or retained unless JDB has a legitimate business purpose to do so. We will collect personal information directly from you through requests for information, the application process, and value added services that require personal contact with you. If you choose to provide personal information, such as address,email, telephone and fax numbers, as well as demographic and customer identification, we will maintain this information, as well as your business activities and transactions, according to our usual strict security and confidentiality standards. Our customer's information will be collected and retained during the course of a business relationship with you. For instance, when you send email to JDB,we will retain the content of the e-mail, the e-mail address and our response in order to handle further questions which you may have, or necessary to follow up, and to monitor how well we're responding to customer questions and concern
Disclosure of personal information
JDB does not and will not provide or sell your personal information to any third party for independent use. Further, we will not disclose your personal information to external organizations unless:
1) You request or authorize JDB to do so, or
2) The information is provided to help complete a transaction initiated by you, or
3) The information is provided to a reputable credit bureau or similar information reporting agency, or
4) The disclosure otherwise is lawfully permitted or required
JDB may be required, just for example, to disclose information about our customers. When JDB is required by a subpoena or court order. JDB may also be required to share this information with governmental regulatory authorities, such as banking examiners or the Internal Revenue Service, as authorized by applicable law. JDB sometimes contracts with the third party service providers to develop and maintain JDB‘s transaction processing systems and provide other materials or services on JDB behalf. All third party service providers working with or on behalf of JDB agree to safeguard our customer's information and must abide by applicable law. Whenever JDB employs other organizations to provide support services, they are required to conform to JDB's privacy standards . JDB occasionally enters into joint marketing agreements and/or promotions with third parties in order to attract new customers. If you apply for an account with JDB as a result of such a promotion or offer, JDB reserves the right to confirm with the third party that you have opened an account with us, the type of account and date
Security procedures to protect information
JDB maintains a strong security standard in order to help prevent against loss or unauthorized access to your personal information
Maintenance of Accurate Information
JDB has the procedures to assure that your financial information is accurate, current, and complete in accordance with commercial standards.JDB also has the procedures to respond to your requests for a correction of inaccurate information in timely
Security Tips
Although high security standards, technologies and procedures are employed by the Bank to help unauthorized access to your private or confidential information as discussed above, it is envisaged by everyone that there is currently no security measure that could absolutely prevent your information from being attacked by computer virus or worm or being accessed by unauthorized persons. Therefore, the Bank recommends that the following procedures should also be observed and follow:
• Be careful when download freeware via the Internet. Always check the address of the website that you enter before login.
• anti virus software should always be installed on your personal computer and be updated regularly;
• personal firewall software should be installed for protection against any crackers or hackers; and
• keep yourselves updated in respect of computer cyber news.
• Check your financial status regularly for security purpose. For instance, account balance, transaction date, account number.
• Always sign off the system after completing your transaction. Do not leave your computer unattended during the transaction.
• Keep your personal information, financial status or credit card number confidential. Personal information should not be disclosed on websites that are not certified by a trusted Internet security solution provider. • Avoid opening Junk
Communication with the International
If you want any assistance from the JDB regardless of whether such assistance is required in respect of any additional information, any errors, any doubts of your account movement, or any transactions previously executed without your permission, you yourselves shall have to inform JDB by contacting JDB's Customer Service at telephone number 021 2135316 or by writing a letter to the Bank's department by which the relevant service is being or was previously provided without any delay. In connection with this, you shall have to provide JDB with the following detail:
• your name and account number;
• estimated amount of errors;
• type of transaction or activity, including the date and time of occurrence thereof;
• details of errors and reference code (if any); and
• your reachable contact name and address, including your email address (if any).
After the Bank receives information of any errors or irregular activity made through the Bank's Web Site as stated above, the Bank shall investigate such error or irregularity promptly and inform you the result of such investigation as soon as possible.
Liveness Privacy
JDB may collect the following types of information:
• Personal Information: Name, email address, phone number, and other identifiers.
• Biometric Data: Facial images, video recordings, and other biometric data used for liveness detection.
• Technical Data: IP address, device information, browser type, and operating system.
• Usage Data: Information about how you use our Services, including timestamps and interactions.
JDB use the information we collect for the following purposes:
• Service Provision: To provide and maintain our liveness detection services.
• Verification: To verify your identity and ensure the authenticity of your interactions.
• Improvement: To improve and optimize our Services.
• Communication: To communicate with you about updates, security alerts, and support messages.
• Compliance: To comply with legal obligations and protect our rights.
JDB may share your information with:
• Legal Authorities: When required by law or to protect our legal rights.
JDB does not share your information with any third-parties.
JDB implement robust security measures to protect your information, including encryption, access controls, and regular security assessments.
We retain your information only as long as necessary to fulfill the purposes outlined in this Privacy Policy, period of 10 years is required by law on Anti-Money Laundering and Counter-Financing of Terrorism No. 64/NA, dated 1 July 2024, article 25 data record-keeping.
Depending on your jurisdiction, you may have the following rights:
• Access: Request access to your personal information.
• Correction: Request correction or update of inaccurate or incomplete information.
• Deletion: Request deletion of your personal information.
• Objection: Object to the processing of your personal information.
• Data Portability: Request a copy of your information in a portable format.
Liveness Detection and Face Data Storage
JDB use liveness detection as part of our authentication process to ensure that users accessing an account are the rightful owners. This process involves matching a live facial scan with the face data previously linked to the user’s account to verify their identity.
1. Duration of Face Data Storage and Justification The length of time we store face data depends on the authentication process and security requirements:
JDB may store a reference facial image linked to user accounts for continued authentication purposes.
This stored data is retained only as long as the user maintains an active account or until they choose to delete their face data. If a user deactivates or deletes their account, the associated face data is permanently deleted within 90 days, unless required for fraud prevention or legal obligations.
Security and Fraud Prevention
In cases of suspicious activity, attempted account takeovers, or fraud investigations, a temporary record of authentication attempts (including face match failures) may be retained for 90 days to enhance security monitoring before being automatically deleted.
JDB balance security and privacy by only retaining face data for as long as needed to ensure account protection.
JDB do not store facial data indefinitely.
2. Third-Party Face Data Storage and Privacy Practices
JDB do not share or sell face data to any third party for marketing or unrelated purposes. However, we may use third-party service providers that assist us in processing liveness detection.
Does the Third-Parties Store Face Data?
Our third-party service providers process face data solely for authentication and fraud prevention purposes.
If they retain data, it is strictly for 90 days to comply with security measures and improve fraud detection.
Security and Compliance
Any third party involved in processing face data is required to comply with industry-standard security protocols.
These providers are strictly prohibited from using, sharing, or selling face data beyond the authentication process.
By ensuring limited storage duration and strong security measures, JDB prioritize user privacy while maintaining a secure and effective liveness detection system.
Changes to This Privacy Policy
JDB may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on our website.
Governing Law
This Privacy Policy is governed by the laws of Lao PDR.
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JOINT DEVELOPMENT BANK HEAD OFFICE
82 Lane Xang Road, Hatsady Village, Chanthabouly District, Vientiane Capital, Lao PDR. P.O. Box 3187
Tel. 856-21-213531-6, Fax. 856-21-213530 Swift Code: JDBKLALA
Copyright © 2016 Joint Development Bank ,. All Rights Reserved.Designed and Developed. Vientiane Lao P.D.R.