Privacy Policy

This Privacy Policy applies to the services provided by 21st Century Digital Technology Co., Ltd. (the “Company”) on the website domain and subdomains of (https://www.sofa-pay.com) (the “Website”). By using this Website, you agree to be bound by the terms and conditions of this Privacy Policy. If you do not agree, please do not use or access our services.

As described below, your personal information may be disclosed to third parties and may be used by us and by third parties. By accepting this Privacy Policy and the Member Agreement / Terms of Service during registration, you expressly agree that we may use and disclose your personal information. This Privacy Policy is also part of the Member Agreement / Terms of Service.

【Information We Collect】

The main purpose of collecting your personal information is to provide smooth, efficient, and customized services on this Website. This helps us provide services and features that better meet your needs and improve your experience.

1. SofaPay collects, processes, and uses members’ personal information in accordance with the Personal Data Protection Act of the Republic of China.

2. To understand what information we collect from you, and who may access such information, please read the following carefully.

3. If you open a credit account with us to pay for our services, we may collect additional information, including billing address, credit card number, credit card expiry date, and payment tracking information.

4. If you choose to buy or sell items on our Website, we may collect information about your buying and selling activities. We may also collect comments from other members about you in our credit rating area.

5. Some pages on our Website may contain cookies or similar tools placed by third parties. For example, if you visit a page created by a member, that page may contain such tools. We do not control how third parties use them.

6. We use data collection tools such as cookies on some pages to help analyze website traffic, measure the effectiveness of promotions, and improve trust and security. Cookies are small files stored on your computer or mobile device. They help us provide certain customized services and functions. Cookies may also reduce how often you need to enter your password during a session and help us provide information that matches your interests. Most cookies are session cookies and are automatically deleted from your computer or mobile device after the session ends. If your browser allows it, you may refuse our cookies. However, some functions of the Website may not work properly, and you may need to enter your password more often during a session.

7. We may automatically collect information based on your activity on our Website. We use this information for internal research on member statistics, interests, and behavior patterns, so that we can better understand our members and improve services for you and our community. This information may include the website you came from, the website you visit next, your browser type, and your IP address.

8. In general, you can browse our Website without telling us who you are or disclosing personal information. However, once you provide personal information to us, you are no longer anonymous to us. If you choose to use our services, we may ask you to provide contact information, identification information, payment information, and other personal information required by various forms on our Website. We will try to indicate which information is required and which information is optional. You may choose not to use a service or function if you do not want to provide the required information. In some cases, including but not limited to applying for a free email account or registering to conduct transactions on our Website, we may request additional financial information. We use your financial information, including credit card information, to verify your name, address, and other information.

9. When you register with your Facebook account or mobile app account, SofaPay may collect the personal information you agree to provide, including SMS and communication records, for future review and debt management purposes.

【Notice and Consent for Collection, Processing, and Use of Personal Information】

1. Based on the specific purposes of the services provided, the Company will collect, process, and use personal information for the following purposes:

* 040 Marketing, including cross-site joint marketing by the Company.

* 063 Collection, processing, and use of personal information by non-government agencies under legal obligations.

* 181 Other business activities that comply with registered business items or the articles of incorporation.

* 148 Online shopping and other e-commerce services.

* 090 Consumer and customer management and services.

2. In addition to the above specific purposes, the period, area, recipients, and methods of use of your personal information are as follows:

(1)Period: During the period in which the above specific purposes exist. The Company will periodically delete personal information after it is no longer used or after the specific purpose no longer exists.

(2)Area: The Company’s business locations where the above specific purposes are carried out.

(3)Recipients: Personnel or agencies authorized by the Company.

(4)Method: By reasonable and lawful methods within the scope of the above specific purposes.

3. You may exercise the following rights regarding your personal information in accordance with law:

(1)Request inquiry or review.

(2)Request a copy.

(3)Request supplementation or correction.

(4)Request suspension of collection, processing, or use.

(5)Request deletion.

4. Except as required by law, you may freely choose whether to provide personal information. If you do not provide it, the Company will not be able to provide the relevant services for the above specific purposes.

5. If you wish to exercise the above rights, you may apply to the Company’s contact window at any time. You can easily find our contact email on the Company’s official website.

6. After being informed of the above matters, the data subject or informed person clearly understands the above notice and agrees to provide personal information to the Company as described.

【How We Use Your Personal Information】

1. We use your information to help provide the services you request. We use the information in your personal profile and other information obtained from your current or past activity on the Website to resolve disputes, troubleshoot problems, and enforce our Member Agreement. From time to time, we may review multiple members to identify problems or resolve disputes. In particular, we may review your information to identify members using multiple accounts or aliases.

2. You agree that we may use your personal information to improve our marketing and promotions, analyze website usage, improve our services and products, and customize Website content, design, and services based on customer needs. These uses help us improve and adjust the Website to better meet your needs.

3. You agree that we may use your information to contact you and send marketing or event information by any method from the Company’s other websites, including but not limited to SofaPay and websites established or operated in the future, as well as partner vendors or their websites. Such information may include targeted advertisements, administrative notices, product content, and messages related to your use of the Website. By accepting the Member Agreement and this Privacy Policy, you expressly agree to receive such messages.

4. If you do not agree to receive the marketing or event messages described above, you may log in to your member account and select that you do not agree. The Website will then stop sending and using your information for marketing or event messages.

【Disclosure of Your Personal Information】

1. Due to the existing regulatory environment, we cannot guarantee that all of your private communications and other personal information will never be disclosed in ways other than those described in this Privacy Policy. For example, but not limited to the following, we may provide information to the government or third parties under certain laws, or third parties may unlawfully intercept or access transmissions or private communications. Therefore, although we comply with laws and relevant standards and take appropriate security controls to protect your privacy, we do not promise, and you understand, that your personal information or private communications may still be transmitted externally or exposed to risk.

2. As a policy, we will never rent, sell, arbitrarily disclose, or provide your personal information to third parties. However, the following are some situations in which your personal information may be disclosed.

【Advertisers】

We may disclose personal information to advertisers and other third parties for marketing and advertising purposes in a way that does not identify individuals. Even in such cases, we will not disclose any information that can be used to identify you personally. Certain information, such as your name, email address, password, credit card number, and bank account, will never be disclosed to marketing advertisers. If you right-click an advertisement on our Website and select “Properties,” you may see the link to the advertiser’s website.

【Outsourced Vendors or Service Providers】

We may use outsourced vendors or service providers to improve our services, such as search, message boards, and surveys. Therefore, we may directly provide some of your personal information to them. In some cases, outsourced vendors or service providers may collect information directly from you, such as when we ask them to conduct a survey for us. In all cases, their use of information provided by us is restricted by confidentiality agreements. If you directly provide additional information to outsourced vendors or service providers, their use of your information will be governed by their own privacy policies.

* (https://www.sofa-pay.com), the Company, its subsidiaries, and joint ventures may merge with or be acquired by other business organizations. If such a combination occurs, you can expect that:

* (https://www.sofa-pay.com) may transfer all of your information to another party so that services can continue. You will be notified of such event, and we will notify the newly combined organization to follow the practices set out in this Privacy Policy.

【Legal Requests】

(https://www.sofa-pay.com) cooperates with law enforcement agencies and other third parties to enforce laws, such as intellectual property rights, fraud prevention, and other rights protection. As required by law and as authorized by you, we may, at our discretion, provide law enforcement agencies or other government officials with any of your information that we consider necessary or appropriate in connection with investigations of fraud, intellectual property infringement, or other illegal acts, or acts that may cause legal liability to us or to you.

【Your Use of Other Members’ Information】

1. To promote transactions among members and strengthen interaction within the (https://www.sofa-pay.com) community, our services allow you limited access to other members’ contact information in accordance with the Website Terms of Service. As a member, you may obtain the member ID, email address, and other information of your transaction counterparty, and the counterparty may obtain the seller’s member ID, email address, and other contact information.

2. Unless we and the other member agree after full explanation, you may not disclose another member’s personal information to any third party under any circumstances, in accordance with the Website Terms of Service, this Privacy Policy, and other current or future rules or statements of the Website. Please note that law enforcement officers, participants in verified rights owner programs, and other rights holders may have different permissions to access information.

【Your Password Control】

You are responsible for all actions, including fees, that occur under your member account and password. Therefore, we do not recommend that you disclose your(https://www.sofa-pay.com) member account or password to any third party. If you choose to share your member account, password, or information with a third party that provides additional services to you, you are responsible for all actions that occur under your member account and password. You should therefore review that third party’s privacy policy. If you lose control of your password, you may lose substantial control over your personal information and may be bound by actions taken in your name. Therefore, if your password is compromised for any reason, you must immediately change your password as described below.

【Reviewing and Changing Your Personal Identification Information】

1. We provide a way for you to log in to the Website and enter new information so that you can automatically review and change the information you provided to us. In general, we do not modify your information upon request because it is very difficult to verify your account. You may view your basic information by going to the homepage of (https://www.sofa-pay.com), logging in, and entering the Member Center. If your information changes, you must update it immediately. Once posted, you may not correct or remove any public posts on our Website, message areas, or credit rating areas by yourself.

2. In some cases, we may retain information that you have requested to remove in our files, for example, to resolve disputes, troubleshoot problems, and enforce our Member Agreement / Terms of Service. Due to technical and legal limitations, including access to backup systems, previous information may not be completely removed from our database. Therefore, you should not expect that all of your personal information will be completely removed from our database upon request.

【Other Data Collectors】

This statement only governs the personal information that we collect, process, and use from you. If you disclose your information to others, whether on our Website or on other websites across the internet, including bidders, buyers, or sellers, they are legally responsible for their own use and disclosure of the information you disclose to them. Where we use third-party advertisers, they must follow their own privacy policies. Because (https://www.sofa-pay.com) cannot control or modify third-party privacy policies, you should be bound by those third-party privacy policies. We encourage you to ask questions before disclosing personal information to others.

【Security】

* (https://www.sofa-pay.com) complies with legal requirements to protect the confidentiality of your personal information.

* (https://www.sofa-pay.com) treats information as an asset that must be protected from loss and unauthorized access. We use multiple security measures to protect such information from unauthorized access by members inside and outside the Company.

【Conflict of Terms】

Please note that this Privacy Policy is the only rule governing our protection of your privacy. If, due to differences in version or content, the terms and conditions of this Privacy Policy conflict with any other privacy statement that may appear on our Website, such as privacy tools, easy-to-read summaries, charts, or P3P statements, you agree that the terms and conditions of this Privacy Policy shall prevail.

【Notice】

We reserve the right to modify this Privacy Policy at any time by posting it on our Website. Provided that the modifications do not exceed the specific purposes of collection described above, all modified terms will automatically take effect 7 days after they are first posted on the Website.

【Notice and Consent Terms】

21st Century Digital Technology Co., Ltd. (the “Company”) hereby informs applicants and joint guarantors of the following matters in accordance with Article 8, Paragraph 1 of the Personal Data Protection Act:

1. Purpose of collection:

* The Company uses the information for installment sales, assignment of accounts receivable, account management, and assignment of creditor’s rights.

* The Company uses the information to carry out business stated in its articles of incorporation, registered business items, business dealings related to this service, administrative management, and handling of disputes such as litigation, non-litigation, and arbitration, as well as other purposes permitted or required by law.

* The Company uses the information to perform legal or contractual obligations, provide services related to this business, and comply with orders or inspections by government agencies in accordance with law.

2. Categories of personal information collected:

The information you provide may include name, date of birth, national ID number, passport number, photo, gender, marital status, address, email, phone number, fax number, family information, education and work experience, employment information, financial status, and other information that can identify an individual.

3. Period, area, recipients, and methods of use of personal information:

* Period: The period during which the specific purpose of collection exists, the retention period required by law, the retention period set by the Company, the retention period agreed in the contract, or the period necessary for the Company to carry out its business.

* Area: The territory of the Republic of China, the business locations of the Company and its branches, locations related to the transmission or receipt of personal information in international transfers, and business locations of institutions that have business dealings or cooperation with the Company.

* Recipients: The Company and its designated assignees of creditor’s rights or other third parties; competent business authorities; judicial, tax, and other administrative or judicial authorities with investigation or access rights under law; outsourced institutions for this business; parties transmitting or receiving personal information internationally that are not restricted by the central competent authority; the Company’s joint marketing or cooperative promotion partners; or other institutions that have business dealings or cooperation with the Company.

* Method: Use of personal information in accordance with personal data laws by email, fax, paper documents, or other appropriate methods based on current technology, or use in accordance with Article 20 of the Personal Data Protection Act.

4. In accordance with Article 3 of the Personal Data Protection Act, you may exercise the following rights regarding your personal information held by the Company:

* Request inquiry, review, or copies. The Company may charge necessary costs in accordance with law.

* Request supplementation or correction. You must provide an appropriate explanation.

* When the specific purpose of personal information collection no longer exists or the period expires, request that the Company stop collecting, processing, or using the information, or delete it. However, the Company may refuse if the information is necessary for the Company to perform its duties or business.

5. Effect on your rights if you do not provide personal information:

You may freely choose whether to provide relevant personal information. However, if you refuse to provide relevant personal information, the Company will not be able to conduct necessary review and processing, and therefore will not be able to provide relevant services to you.

6. The Company’s designated assignees of creditor’s rights or other third parties will list the required notice matters and the methods for exercising rights regarding personal information in accordance with Article 9 of the Personal Data Protection Act in the relevant documents between the Company and each designated assignee of creditor’s rights or other third party.