Our Privacy Policy

J Trust Royal Bank collects most personal information directly from you. For example, you provide us with your information when you open an account, fill in an application form, deal with us over the telephone, send us a letter, use our website, or visit a branch.

J Trust Royal Bank may also collect information about you that is publicly available, including information from telephone directories, the electoral roll or other websites.

There may be occasions when J Trust Royal Bank collects personal information about you from a third party. For example, J Trust Royal Bank may collect personal information from:

• credit reporting bodies if we request a report about your credit history;
• other credit providers if we request information from them about the products they provide to you;
• organisations that J Trust Royal Bank has an arrangement with to jointly offer products and/or an alliance with to share information for marketing purposes to provide you with products or services and/or to promote a product or service;
• marketing companies if we acquire contact information to tell people about J Trust Royal Bank products and services that may interest them; and
• brokers and other parties who may have introduced you to J Trust Royal Bank.

J Trust Royal Bank may also collect information about how you use J Trust Royal Bank’s and other websites to help us better tailor our services to you. For example, J Trust Royal Bank may do this when you click on a link from a J Trust Royal Bank website or visit a website which displays a J Trust Royal Bank advertisement. Usually, the information J Trust Royal Bank collects in this way is general information only derived from cookies and does not identify you. If J Trust Royal Bank does identify you with this information (for example, if you have been logged onto an online J Trust Royal Bank service), any use or disclosure of that information will be in accordance with this Privacy Policy.

J Trust Royal Bank may collect information from you because we are required or authorised by a Cambodian law or court/tribunal order to collect that information. We will tell you if collection is required or authorised by law and provide you with details of the law, court or tribunal order.

For example, when you open a deposit account, J Trust Royal Bank is required to collect certain information from you to prove your identity, such as your driver’s licence or passport details. This is required by the “Law on Anti-Money Laundering and Combating the Financing of Terrorism 2007”; “Law on amendment of article 3, article 29 and article 30 of Law on anti-money laundering and combating the financing of terrorism 2013”; and “Prakas on Anti-Money Laundering and Combating the Financing of Terrorism 2008”. J Trust Royal Bank may collect information to verify your identity even in the limited circumstances where the collection is not yet required by law.

J Trust Royal Bank may also be required to ask about your tax residency status under taxation information sharing agreements the Cambodian Government has in place with other countries. For example, a tax treaty between Cambodia and the United States formed under US law (Foreign Account Tax Compliance Act) requires J Trust Royal Bank to ask some account holders whether they are US citizens or US tax residents when they open an account. If you are a tax resident of another country, the relevant treaty or law may require us to collect your relevant foreign tax identification number.

J Trust Royal Bank may need to disclose your information, including information we receive through the credit reporting system, to organisations located overseas.

The most common reason for J Trust Royal Bank disclosing information overseas is because we use service providers to perform some functions on our behalf, and some of these service providers are located overseas. We only disclose your information to these organisations when it is necessary for the services they provide J Trust Royal Bank. For the most part, these service providers are related entities of J Trust Royal Bank which perform a range of technology, operational and customer service functions for J Trust Royal Bank.

J Trust Royal Bank may also use other offshore service providers to help provide you with our products and services or identify ways to improve our service to you.

In some circumstances, the nature of the product or service you request may require J Trust Royal Bank to disclose your information overseas and the countries to which we may disclose your information will depend on the particular circumstances. For example, if you request to transfer funds to an overseas account using a telegraphic transfer, J Trust Royal Bank will be required to disclose your information to one or more overseas banks that are involved in making the payment. The location of these banks depends on where you want to send your funds.

If you apply for a product from J Trust Royal Bank, we may request credit reports from credit reporting bodies. These credit reports contain information which assists us to assess your application, including information about your credit history with other credit providers. Credit reporting bodies can provide credit providers with credit reports in certain circumstances, including when an individual makes an application for credit, or when a credit provider is seeking to help an individual avoid defaulting on their credit. Credit reports are designed to assist credit providers to accurately assess an individual’s ability to repay credit.

To request a report, J Trust Royal Bank will provide information that identifies you and information about your application – including the type and amount of credit you are applying for.

J Trust Royal Bank may request such reports for consumer credit or commercial credit applications.

J Trust Royal Bank also discloses information about you to credit reporting bodies that can then be included in reports provided to other credit providers.

Credit Reporting Body
Credit Bureau Cambodia
Tel: (855) 23 999 006
Email:

• For general inquiry : info@creditbureau.com.kh
• For customer support : helpdesk@creditbureau.com.kh
• For business development : bis@creditbureau.com.kh

Web:   https://www.creditbureau.com.kh/contact-us/

If you would like to read their policies you can click on the links provided above. If you would like more information about the way they manage your personal information, you can contact them directly.

J Trust Royal Bank may disclose the following information about your credit to credit reporting bodies:

• that J Trust Royal Bank provides credit to you;
• the type of credit you hold;
• the amount of credit provided to you; and
• when your credit account is opened and closed.

We may also disclose how you repay your credit. If you fail to make repayments on your credit or you default on your obligations, J Trust Royal Bank may report this information to a credit reporting body. Equally, J Trust Royal Bank will inform a credit reporting body if you make repayments on time or if you have corrected a default.

We may also tell a credit reporting body if we suspect you have committed a serious credit infringement (for example, if you fraudulently obtain or attempt to obtain credit or you deliberately seek to evade your repayment obligations).

Marketing

As part of J Trust Royal Bank’s service to you, we may identify new or existing products or services that may benefit you. For some products, J Trust Riyal Bank may ask a credit reporting body to use the information it holds to identify individuals that are eligible for a J Trust Royal Bank marketing offer. If you are eligible you may be sent an offer on our behalf. You should contact credit reporting bodies directly if you do not want them to use your information in this way.

J Trust Royal Bank may also contact you from time to time to let you know about existing or new products and services that may benefit you. We will not use information that we have received through the credit reporting system for this purpose.

Accessing your information, requesting corrections and making complaints

We manage the information we obtain about you from a credit reporting body in the same way as we manage all other personal information about you.

Read our Privacy Policy for more information about how to access the information we hold about you, how to seek correction of that information and how you can lodge a complaint if you have concerns about the way that J Trust Royal Bank has managed your personal information.