Term and policies

Update:9 September 2023

This Privacy Notice and its Addendum(s) (“Privacy Notice”) describe how ANM Lumo Holding, its respective subsidiaries, affiliates, associated companies and jointly controlled entities (collectively “myexpense”, “we”, “us” or “our”) collect, use, process and disclose your Personal Data through the use of myexpense’s mobile applications and websites (respectively “Apps” and “Websites”), as well as products, features and other services globally, operated by myexpense(collectively, “Services”).

This Privacy Notice applies to our consumers and partner (collectively “you”, “your” or “yours”).

“Personal Data” is any information which can be used to identify you or from which you are identifiable. This includes but is not limited to your name and email.

We typically collect, use, disclose or otherwise process your Personal Data in accordance with this Privacy Notice with your consent, or in compliance with applicable laws, such as where:

• it is required for us to comply with legal requirements;

• it is required for us to use the application by using the email to send a code which is used to apply 2FA verification.

I.  COLLECTION OF PERSONAL DATA

You provide your Personal Data to us

We collect your Personal Data when you provide it to us. For example, when you:

• Registration or create account, we required your email address in creating new account.

II.    USE OF PERSONAL DATA

Providing services and features

Your Personal Data will be used to provide, personalise, maintain and improve our Apps, Websites and Services. This includes using your Personal Data to:

• email for 2fa verification upon creating accound and upon changing the email its self.

Marketing and promotions

We may use your Personal Data to send you marketing communications relating to customised products or services (that may be of interest or relevance based on your profile). For example, we may:

• send you special offers that may be of interest or relevance to you across all of myexpense service offerings;

• inform the the newest update of mobile application.

III. PROTECTION OF PERSONAL DATA

We will take reasonable legal, organisational and technical measures to ensure that your Personal Data is protected. This includes measures to prevent Personal Data from getting lost, or used or accessed in an unauthorised way. We limit access to your Personal Data to our employees on a need to know basis. Those processing your Personal Data will only do so in an authorised manner and are required to treat your information with confidentiality.

Nevertheless, please understand that the transmission of information via the internet is not completely secure. Although we will do our best to protect your Personal Data, we cannot guarantee the security of your Personal Data transmitted through any online means, therefore, any transmission remains at your own risk.

IV. AMENDMENTS AND UPDATES

My expense may modify, update or amend the terms in this Privacy Notice at any time. Such amendments shall be notified to you through the Apps and/ or other appropriate means  at least five (5) business days before the effective date. The updated version will be posted on the website https://www.anmlumo.com/myexpense. It is your responsibility to review the Privacy Notice regularly. Your continued use of the Apps, Websites or Services, or continuing to communicate or engage with Myexpense following the effective date of the modifications, updates or amendments to this Privacy Notice , whether or not reviewed by you, shall constitute your agreement to be bound by such amendments.