TERMS OF SERVICE & PRIVACY POLICY

Scoin is an account management service that provides unified payment solutions across all devices and platforms, including computers, mobile phones, TVs, and other electronic devices. Scoin develops its customer base on a community platform using products and services provided by VTC Mobile. Once you join the system, it means you have read, understood, accepted, and agreed to adhere to the following terms:

1. Terms in the agreement
The Publisher (VTC Mobile Company), abbreviated as "We"
"The Publisher," is the party providing the Scoin service.
The user of the service is abbreviated as "You", "Player", or "Customer".

2. Terms for Players
All individuals participating in Scoin provided by us, from the age of 12 and above, regardless of gender.
During participation in the system, there may be language or situations unsuitable for some younger individuals. We do not guarantee that other players will not provide content that may be deemed inappropriate for that age group.

3. Regulations for Account Registration
When registering an account, you must provide complete, accurate information about your name, phone number, email address, etc., and verify your account to protect your rights.
Note:
These are not mandatory information, but in case of risks or losses later on, we will only accept cases with correct and complete information provided above. Cases with missing or false information will not be resolved. This information will be used as a basis for resolution support.

3.1 Naming Rules for Accounts
With one account, multiple characters can be created to play within the system. When creating a character, Players must adhere to the naming principles as announced on the system's Website.
Names and symbols related to celebrities, names of Vietnam’s Communist Party and State leaders are not allowed.
Names and symbols with offensive content, religious ridicule, pornography, violence, contrary to Vietnamese customs, traditions, and culture are not allowed.
Names and symbols containing content that insults or provokes others in any form are not allowed.
Names and symbols containing content that disrupts or undermines the reputation of the services we provide as well as of the members within the Publisher are not allowed.
Additionally, the naming process must comply with the supervision of a filter with over 30,000 words and a team of Game Masters who monitor reports to handle violation cases.

3.2 Password
In the account management section, each player will have a password for their account. This password is used to log in to the game and associated websites. Players are responsible for securely storing their password and game code. If the password is disclosed in any form, we will not be held responsible for any resulting losses.

3.3 The following behaviors are strictly prohibited
Using language that incites hatred, violence, regional discrimination, religious discrimination, or gender discrimination.
Posting content that violates the law, contains information that insults dignity, integrity, or affects the legitimate rights and interests of other organizations or individuals; using offensive language, violating cultural norms; spreading false information or advertisements for illegal business activities that provoke public outrage, impacting social order and safety.
Absolutely not using any programs, tools, or methods to interfere with the system or payment of Scoin (hack, cheat, bots…). Any violations found will be dealt with according to legal regulations.
Sending or transmitting any form of advertising, invitations, chain letters, investment opportunities, or any form of commercial communication without our written permission.
Sending or uploading, publishing, broadcasting, reproducing, or distributing in any form content protected by copyright and intellectual property laws of Scoin; or creating variations of such content without the written consent of the owner or copyright holder.
When discovering system errors, please notify us immediately through the support channels we provide throughout Scoin's operating hours.

4. Collecting information
4.1 Account
To use certain features of the Services, you will need to create a user account, which requires you to submit certain personal data. When you register and create an account, we ask you to provide us with your name and email address as well as the username you choose. We also require certain information about yourself such as age, date of birth, phone number, mailing address, ID card with photo, bank account details, gender, and your interests. After activating your account, you will choose a username and password. Your username and password will be used for you to access and maintain your account securely.

4.2 When we collect your personal data?
4.2.1. We will/may collect personal data about you:
(a) When you register and/or use our Services or Websites, or open an account with us;
(b) When you submit any forms, including but not limited to, registration forms or other forms related to any of our products and services, either online or in another form;
(c) When you enter into any agreements or provide other documents or information related to your interactions with us, or when you use our products and services;
(d) When you interact with us, such as through phone calls (which may be recorded), letters, faxes, face-to-face meetings, social media platforms, and emails;
(e) When you use our electronic services, or interact with us through our website or use services on our website. This includes, but is not limited to, through cookie files that we may deploy when you interact with our applications or websites;
(f) When you conduct transactions through our website or Services;
(g) When you provide feedback or submit complaints to us;
(h) When you register to participate in a contest, game, or in-game events;
(i) During the course of your gameplay;
(j) When you provide your personal data to us for any reason.
The above are just some common cases in which we collect your personal data, and do not reflect all cases in which we will collect your personal data.

4.2.2. When you access, use, or interact with our Website or mobile applications, we may collect certain information by automatic or passive means using various technologies, which may be downloaded to your device and may set or modify settings on your device. The information we collect may include, but is not limited to, Internet Protocol (IP) address, computer/mobile operating system and browser type, your mobile device type, characteristics of your mobile device, unique device identifier (UDID) or mobile device identification number (MEID) of your mobile device, referral website address (if any), and the pages you visit on our Website and mobile applications and the number of visits. We may only collect, use, disclose, and/or process this information for the Purposes (defined below).

4.2.3. Our mobile applications may collect precise information about your mobile device's location using technologies such as GPS, Wi-Fi, etc. We collect, use, disclose, and/or process this information for one or more Purposes, including, but not limited to location-based services that you request or to provide you with information relevant to that location or to allow you to share your location with other users as part of our Service. For most mobile devices, you can disable our ability to collect information about your location by modifying the phone's settings. If you have questions about how to disable location-based services on your mobile device, please contact your mobile device service provider or device manufacturer.

4.3. What information do we collect from you?
The personal data that we may collect includes, but is not limited to:
Full name;
Email address;
Date of birth;
Billing address;
Bank account and payment information;
Phone number;
Gender;
Or any other information about users when they log in to use our Services or website, and when users use our Services or website, as well as information about how users use our Services or website; and aggregated data about the content users use.

4.4 How do we use the information you provide us?
We may collect, use, disclose, and/or process your personal data for one or more of the following purposes:

(a) To review and/or process your registration/transactions with us or transactions or correspondence with third parties through the Services;
(b) To manage, operate, provide, and/or administer your use of and/or access to our Services and website, as well as your relationship and user account with us;
(c) To manage, operate, administer, and provide to you and facilitate the provision of our Services, including, but not limited to, recording your preferences;
(d) To tailor your experience through the Services by displaying content according to your interests and preferences, providing a quicker means for you to access your account information, and submitting information to us and allowing us to contact you if necessary;
(e) To respond to, process, resolve, or complete a transaction and/or respond to your requests for certain products and services and notify you of service issues and abnormal account activities;
(f) To enforce our Terms of Service or any applicable end-user license agreements;
(g) To safeguard the personal safety and rights, property, or safety of others;
(h) To identify and/or verify;
(i) To maintain and manage any software updates and/or other updates and support that may be required from time to time to ensure the smooth operation of our Services;
(j) To handle or facilitate customer service operations, carry out your instructions, resolve or answer any queries sent by (or intended to be sent by) you or on your behalf;
(k) To contact you or communicate with you by phone, text message and/or fax, email, and/or letter or otherwise for purposes of administration and/or managing our relationship with you or your use of our Services, including but not limited to conveying administrative information to you regarding our Services. You acknowledge and agree that our communications with you may be by way of posting letters through the postal system, documents, or notices to you, may include disclosure of certain personal data about you to provide those documents as well as on packaging/envelopes;
(l) To notify you when another user has sent you a private message or posted a comment to you on the Website;
(m) To conduct research, analysis, and development activities (including but not limited to data analysis, surveys, development and/or enhancement of product and service features), to analyze how you use our Services, to improve our Services or products and/or to enhance your customer experience;
(n) To enable advertising and other marketing campaigns, in addition to other activities, to authenticate the scale and composition of the gaming audience, and understand their experience with our Services;
(o) Where you have given prior consent, for marketing purposes, to send you via various communication methods such as mail, email, location-based services, or otherwise, marketing and promotional information related to products and/or services (including but not limited to products and/or services of third parties with which we may collaborate or be affiliated), whether those products or services exist now or are created in the future.
(p) To comply with legal procedures or to comply with or comply with the regulations of any current law, the requirements of government or regulatory authorities of any region, including but not limited to, to comply with disclosure requirements under any law applicable to us or our affiliates;
(q) To compile statistics and research to meet reporting requirements and/or maintain internal records or regulations;
(r) To carry out checks and verification procedures or other screening activities (including but not limited to background checks) to comply with legal or regulatory obligations or our risk management procedures, which may be required by law or may have been applied by us;
(s) To check our Services or our operations;
(t) To prevent or investigate any fraudulent, illegal, deficient, or improper activities, whether related to your use of our Services or not, or any issues arising from your relationship with us, and whether there are suspicions about the above activities or not;
(u) To store, operate servers, back up (whether for disaster recovery purposes or other purposes) your personal data, whether inside or outside your region;
(v) To support account information processing: You send a request via the scoin fanpage: https://www.facebook.com/scoinvtcmobile

4.5 How do we protect customer information?
We strive to work diligently to protect our users from unauthorized access, unauthorized alteration, disclosure, or destruction of the information we hold. Specifically:
• We use SSL to encrypt many of our services.
• We provide you with a two-step verification process when you access your Account.
• We review our data collection, storage, and processing practices, including physical security measures, to guard against unauthorized access to our systems.
• We only allow employees, contractors, and agents who need to know that information to access personal information, and they must be subject to strict security obligations in their contracts and may be disciplined or have their contracts terminated if they fail to meet those obligations.

• Your Account is inactive (meaning you have not logged in; have not made any transactions or have not interacted) continuously for 12 months on the VTC Mobile NPH system. (*)

• If your Account is in (*), VTC Mobile NPH will send a direct notification to each Account via the following means: Email, SMS messages on your phone, in-game mail.

• After 180 days from the date VTC Mobile NPH sends the notification, if your Account still has no activity, we will revoke or disable your Account and all data in your Account will be lost.

5.2 Changes to the content of the Scoin system
We reserve the right, at our sole discretion and at any time, to add, modify, or remove any information as well as change the layout, components, or functionality of the system without prior notice. If you do not agree with these changes, you may discontinue using the service. Your continued use of the service constitutes your acceptance of these changes.

5.3 Regulations Changing
We reserve the right to change any outdated terms in the Regulations without prior notice. If you disagree with these changes, you may discontinue using the service. Your continued use of the service implies your agreement with these changes.

5.4 Service Interruption
We reserve the right to suspend service for a certain period of time for repairs, maintenance of machinery, and will provide advance notice to players on the official website of the system. We do not guarantee to players that you will be able to connect to our services at any time.
You acknowledge that our service may be interrupted for reasons beyond our control such as: power outages, natural disasters, fires, etc. We will not be responsible for service interruptions, delays, or inability to provide services due to these reasons.

5.5 Access prohibition
We reserve the right, at any time, to prohibit or deny your access to Scoin or any part of the system immediately and without prior notice if we deem that you have violated any terms of the Regulations or that such prohibition or denial is appropriate and necessary.

5.6 Compensation regulations
We assume no responsibility for any transactions within the system. We shall not be liable for any loss, damage, or complaint related to buying, selling, or exchanging items within Scoin.
You agree to indemnify, defend, and hold harmless the Company's CEO, employees, shareholders, agents, customers, and partners from and against any losses, claims, costs (including reasonable attorney fees) demanded by any third party arising out of your use of the service, your violation of any terms of this Agreement, or any rights of another user.

5.7 Service Termination
You may cease using your account at any time without prior notice to us and without any liability. The Company reserves the right to temporarily suspend your account for investigation or terminate it for processing violations. If the service is terminated, you must accept the following terms: The Service Provider has the right to immediately suspend your account and will provide prior notice if you violate any terms of this Agreement or violate the provisions in the system.

5.8 Third Party Information
The information provided on the Scoin system may contain information from third parties or be curated from other sources. Such information should not be considered as endorsements or validations by Scoin for any individuals, products, or services.
We do not independently verify information and are not responsible if third-party information is not up to date; therefore, we disclaim any responsibility for such information. You use or rely on such information at your own understanding, responsibility, and risk.

5.9 Linking to and from the Scoin system
Links from the Scoin system may direct you to other websites. You acknowledge and agree that the Publisher is not responsible for the accuracy or value of any information provided by linked websites.
Links to other websites do not constitute an endorsement by the Publisher of the information, products, advertisements, or other materials on those websites.

5.10 Intellectual Property Rights
All intellectual property rights existing in the Scoin system belong to the Company or are legally licensed to the Company for use in this system. Therefore, all legal rights are ensured. Unless with the Company's written consent, you are not allowed to upload, transmit, publish, reproduce, distribute, or create derivative works of any component of the online gaming system or modify any content provided in the online game.
You agree that we are free to use, disclose, implement, and modify any ideas, concepts, methods, proposals, suggestions, comments, or other communications and information you provide to us ("Feedback") related to the Scoin system and/or services completely free of charge. You waive and agree to waive any rights and claims to any rewards, fees, royalties, fees, and/or other forms of compensation related to our use, disclosure, implementation, and/or modification of any or all of your Feedback.

5.11 User Information
For certain services, the Scoin system requires users to register. We may use this information to send you notifications about products and services or promotional programs via email or postal mail. We may also use this information to conduct surveys (e.g., notifications of service changes in the system, announcements of promotional programs, or other humanitarian and social actions). We maintain a "NO SPAM" policy and do not share, sell, or disclose email or other personal information of yours to third parties without your consent.
The Company will only disclose personal information and/or IP addresses of users when required by Vietnamese law and for the following necessary purposes:

• Coordinating with investigative agencies to identify illegal activities related to information dissemination and cybersecurity.

• Protecting the rights and property related to the Scoin system and Scoin users. Identifying individuals who intentionally violate information and cybersecurity laws.

5.12 Fulfilling the user's requests
We are only responsible for information that is kept confidential by NPH. When the information has been transferred to a third party in accordance with the agreements in the Regulations, the security of the information is beyond our control and is not the responsibility of The Publisher.

5.13 Legal Liability and Warranty Limitations
You act and rely entirely on your own skill and judgment regarding the use and understanding of information within the Scoin system. You are responsible for ensuring that your use of information complies with all current legal requirements.
The limitations of legal obligations in the Regulations will be applied to the fullest extent permitted by current law.

5.14 Applicable Law
The provisions herein shall be enforced in accordance with the laws of the Socialist Republic of Vietnam. By using the services within Scoin, you implicitly accept the terms of this Regulation. We operate entirely within the framework of Vietnamese law and commit to complying with the regulations of the Socialist Republic of Vietnam. These terms are in accordance with current legislation and ensure the highest rights for our service users. Supplementary terms will be updated as they become effective and in line with the current situation of Scoin.

6. Dispute resolution during the provision process
VTC Mobile Company has organized a Customer Care Department (CS) with the mission of assisting and resolving all customer complaints, grievances, and inquiries throughout the operation of electronic games. Accordingly, all customer feedback is received and resolved with careful consideration, aiming for the earliest possible resolution time, based on the legal provisions regarding the operation and business of electronic gaming services.

6.1 Dispute resolution rules, complaints

Complaints and disputes arising are received and resolved based on the information provided by customers, cross-referenced with system data to ensure customer rights.
The outcomes of dispute resolution and complaints adhere to commitments agreed upon in the terms and conditions between customers and VTC Mobile upon registering a Scoin account.
Cases that are denied resolution include instances of external interference with the gaming system, offensive or fraudulent behavior affecting other customers as well as publishers, and cases lacking sufficient evidence of account ownership or external transactions involving game accounts.

Regulations regarding payment disputes:
• We waive the right to assist in processing complaints if customers transact Scoin or purchase top-up packages from websites, emails, fraudulent accounts, or unauthorized sources; exploit the Refund feature of app stores for illicitly personal gains.
• For successful top-up transactions on the system https://scoin.vn; IAP (In-App-Purchase: direct in-game payment through app stores), we will refuse refunds in any form.

6.2 Forms of disputes, complaints
Complaints are submitted through direct channels at the headquarters, fanpage scoin : https://www.facebook.com/scoinvtcmobile, the online fan pages of each game. Customer complaints may relate to incidents regarding unclear content of the game or events during the service usage process, as well as payment and account issues.

6.3 Dispute resolution procedure
Account complaint reception and resolution process:
• When a complaint related to account information arises, customer service staff request the complainant (A) to provide authentic information to prove ownership of the account.
• After receiving the information from party A, customer service staff cross-reference it with the Scoin account information support process to provide assistance (either immediate support or verification lock). After the verification period, support will be provided to update new security information for party A.
• During the verification period, if there is a dispute over the account and another party (B) reports the dispute, customer service staff will review party A's contact information and inform the relevant parties of the dispute status, as well as request additional information within the specified time based on the account dispute resolution process. Then, they will proceed with cross-referencing and handling according to the regulations (providing support to the party with more verifiable information...)

The process of receiving and resolving payment-related complaints:
Payment complaint reception and resolution process:

• Upon receipt of a payment-related complaint, the customer service team initiates a review by requesting the complainant (A) to provide detailed information regarding the payment issue.

• Customer service staff then verify the provided information against payment records and transaction logs to assess the validity of the complaint.

• If necessary, additional information or evidence may be requested from the complainant (A) to facilitate the investigation.

• Once all relevant information has been gathered and verified, the customer service team proceeds with resolving the payment complaint by taking appropriate actions, such as issuing refunds, rectifying billing errors, or providing explanations to the complainant.

• Throughout the process, clear communication channels are maintained with the complainant (A) to keep them informed of the progress and outcome of their payment complaint.

The process of receiving and resolving service-related complaints (game errors, events)
During the service usage, when customers encounter any service-related issues such as problems with connections, service event activities, the customer service staff needs to fully explore the user's information and the incidents or issues they are facing. They then compile and report this information to the service operations department for rectification as well as for implementing support measures and compensation.

6.4 Resolution of Complaints
Complaints related to customer account information submitted will be responded to within 24 hours at the latest and resolved within a maximum of 7 days.The notification period for parties to provide dispute information is within 24 hours from the occurrence of the dispute, and the dispute will be resolved within 3 days from the notification or until the end of the initial verification period.
Payment-related complaints will be resolved within 24 hours on regular days and within 48 to 72 hours on Saturdays and Sundays. In cases of issues arising, customers will be informed for further handling.
For service-related error complaints, the processing time will be based on information from the service operation department's report.
The resolution results will be based on verified data, with cases where customers are not satisfied with the results, they may appeal to VTC Mobile's management level.
In the event of customer complaints to state authorities, VTC Mobile is always ready to provide sufficient data related to the resolution of complaints and disputes upon request from the competent authorities.
All dispute resolution results are stored in VTC Mobile's reporting system .