SB Ratings Limited (“SB Ratings”) is committed to protecting the privacy and personal information of its online users in compliance with applicable Cambodian laws and regulations, including the *Law on E-Commerce 2020* and related privacy provisions. Please review this Privacy Policy carefully to understand how we collect, use, and protect your personal information.

Purpose of the Site

The website, www.SuperBankRatings.com (“the Site”), provides visitors and subscribers (“Participants”) access to financial services industry information and enables them to register for membership to our services (“the Services”). 

By accessing the Site or using the Services, Participants and their registered users agree to the terms of this Privacy Policy, which governs the collection, storage, use, and disclosure of personal information provided to SB Ratings. 

Information We Collect

To register as a user and access the Site, Participants must provide: 

– Name 

– Email address 

– Phone number 

Consent to collect this information is required during registration. Without consent, users cannot access the Site or its Services. 

How We Use Personal Information

Personal information is used for the following purposes: 

-Account setup and management: Confirm registration, manage user accounts, and assist with password recovery. 

-Customer support: Respond to user inquiries, issues, or feedback. 

-Service notifications: Notify users of account or service updates. 

-Newsletters and updates: Share updates about products, services, and improvements related to SB Ratings. 

Users may opt out of newsletters or promotional communications at any time by following the instructions provided in our emails. 

What We Will Not Do with Your Information

SB Ratings will not sell or disclose your personal information to advertisers or third parties, except: 

– When required by Cambodian law or in response to a lawful request by public authorities. 

– To enforce Site rules or protect the rights, property, or safety of users and the Site. 

– When necessary for service providers (e.g., data storage partners) who are bound by confidentiality and privacy obligations. 

Consent and Data Processing

Consent is obtained at registration for the collection, use, and processing of personal information in accordance with this Privacy Policy. If consent is not provided, users cannot access the Site. 

SB Ratings only collects necessary personal data and avoids sensitive information, such as race, religion, or political affiliation, unless required by law. 

Data Retention

Personal information is retained while users are registered and for three years after account termination. If a user cancels their account, information may be retained for authorised communication, subject to user consent. Otherwise, data is securely deleted or destroyed. 

Accuracy of Personal Information

Users can update their personal information, including their name and contact details, through their account settings on the Site. 

Data Security

SB Ratings employs reasonable security measures to protect personal information, including encryption during transmission. While every effort is made to safeguard data, users acknowledge that no method of internet transmission or storage is 100% secure. 

Anonymous Data Collection

SB Ratings collects non-identifiable, anonymous data about user activities on the Site to improve its functionality and services. Such data is not linked to individual users. 

By agreeing to the Site’s Terms and Conditions, users grant SB Ratings the right to use anonymous data for analytical and reporting purposes. 

Cookies

Cookies are small data files stored on a user’s device to enhance their browsing experience. The Site uses cookies to: 

– Recognize returning users and pair them with their account preferences. 

Cookies do not store personal information and cannot be used to identify users. Browser settings can be adjusted to disable cookies if preferred. 

International Data Transfers

User data is stored on servers maintained by SB Ratings or authorised third-party service providers that comply with privacy regulations. Data may only be transferred internationally with user consent or to fulfill specific requests. 

Changes to This Privacy Policy

SB Ratings reserves the right to modify or update this Privacy Policy to comply with Cambodian laws or for other reasons. Users are encouraged to review the Policy periodically. Continued use of the Site constitutes acceptance of any changes.