Lo Kheng Hong and you
Protect your assets

This privacy policy provides information on how your personal information is collected, used, and protected.

1. Purpose of Collecting and Using Personal Information

We collect and use personal information for the following purposes:

• Provide community services and member management
• Send educational content about investments and newsletters
• Respond to customer inquiries and improve service
• Provide marketing information and promotions (with consent)

2. Elements of Personal Information Collected

We collect the following personal information to provide services:

• Mandatory items: Name, contact information (phone number or KakaoTalk ID)
• Optional items: Email address, investment experience level

3. Retention Period and Use of Personal Information

The personal information collected will be retained until membership cancellation is requested or the purpose of collection is achieved, and will be kept for a specific period according to the law:

• Record of consumer complaints or disputes: 3 years
• Record of electronic transactions: 5 years

4. Provision of Personal Information to Third Parties

In principle, we do not provide personal information to third parties without the user's consent. However, it may be provided exceptionally in case of legal requirements or if prior consent from the user is obtained.

5. Measures to Ensure the Security of Personal Information

We take the following measures to ensure the security of personal information:

• Storage and transmission of personal information encrypted
• Operation of security systems to prevent hacking and viruses
• Minimization and management of access rights to personal information

6. User Rights and Methods of Exercise

Users can exercise their rights to access, correction, deletion, and suspension of processing their personal information at any time. Requests to exercise these rights can be made by contacting the community administrator.

7. Responsible for Personal Information Protection

The person responsible for processing personal information is:

• Name: Lo Kheng Hong
• Position: Administrator
• Contact: Inquiries within the community

8. Changes to the Privacy Policy

This privacy policy may be modified due to changes in the law or service policies, and will be notified through the website.

Effective date: January 1, 2025

These terms of use govern the rights, obligations, and responsibilities between the administrator and members regarding the use of the Lo Kheng Hong investment community (hereinafter referred to as "the service").

Article 1 (Purpose)

The purpose of these terms is to establish the basic conditions for the use of the service, regulating the rights and obligations between the administrator and members.

Article 2 (Definition of Terms)

• "Service" refers to the investment education community and related content provided by Lo Kheng Hong.
• "Member" refers to any person who accepts these terms and joins the service.
• "Content" refers to educational materials, videos, newsletters, etc., provided within the service.

Article 3 (Effect and Changes of the Terms)

These terms will be notified to members at the time of the service request and will come into effect upon acceptance. The administrator may change the terms if necessary, and will notify in advance.

Article 4 (Content of the Service)

The service provides the following:

• Educational content and investment guides
• Weekly investment studies and live sessions
• Sharing of real-time market information
• Space for interaction among community members
• Newsletters and investment insights

Article 5 (Obligations of the Member)

Members must comply with the following obligations:

• Provide accurate personal information
• Not use personal information of others
• Not engage in inappropriate conduct such as insults, defamation, or spreading false information within the service
• Not commercially use the content without the written consent of the administrator
• Not perform acts that disrupt the normal operation of the service

Article 6 (Warning of Investment Risks)

Important: This service is provided for educational and informational purposes, and does not constitute an offer for investment in specific financial products. The information provided is for reference only, and the final responsibility for investment decisions lies with the member. Investing in stocks and financial products involves risks of capital loss, and past performance does not guarantee future results.

Article 7 (Disclaimer)

• The administrator is not responsible for losses arising from members' investment decisions.
• The administrator is not responsible for service interruptions due to force majeure, system errors, etc.
• The accuracy of information provided by other members within the service is the responsibility of those members.

Article 8 (Copyright and Intellectual Property)

All content provided in the service (text, images, videos, materials, etc.) is the property of the administrator, and members may not reproduce, distribute, or commercially use it without prior consent from the administrator.

Article 9 (Restrictions on Use of the Service)

The administrator may restrict the use of the service or cancel membership in the following cases:

• If these terms are violated
• If false information is provided
• If the rights of other members are infringed
• If the normal operation of the service is disrupted

Article 10 (Dispute Resolution)

Disputes arising in connection with the use of the service will be resolved in accordance with the laws of South Korea, and the competent court will be the court of the administrator's location.

Effective date: January 1, 2025