Better by Yoma and its subsidiary Yoma Group (also referred to as “we,” “us,” “our” or “Yoma Group”) respect your privacy. This privacy notice describes how we collect, use, disclose, and otherwise process your personal information and employment information in connection with your use of Better official website and its associated websites combo.better.com.mm (Better Combo for now but not limited to it in the future) and messenger (our “Sites”), as well as when you join Better and use our services.  

If you have any questions or concerns regarding our privacy notice, please contact us in one of the ways provided below. Terms not defined in this privacy notice have the meaning defined in your purchasing Terms and Conditions  

Personal Information  

The principal purposes for which we collect and store your personal and financial information are to process your application, payment, allow you to reserve and use our services, respond to your inquiries, improve, and communicate with you about our products and services and maintain your account with us.  

Better collects information that you voluntarily submit to us, which could include your personal information such as name, date of birth, email address, postal address, telephone number, your employment information, or the photos of required documents regarding the products which you are leasing to buy. This also includes information in the form you submitted, or information you provide to us via an email, text or similar message, telephone call, or by other means. Your telephone calls and other communications with us are usually recorded or monitored for quality control, training, and similar purposes. By using these communication methods, you are consenting to receiving information via these methods and the recording or monitoring of your calls and communications with Better. We use this information to evaluate your application, provide our services and communicate with you. From time to time, we may send marketing or other communications.   

If you join Better and use our services, we collect information about how you use our Sites and services, such as your applications, personal information, employment information and required documents (NRC, Household, Proof of Address, Company Recommendation Letter, related documents etc.). We use this information to provide and optimize services for you, including for example, offering the tailored financial services which suit your need, responding to your inquiries, providing, and improving our products and services, personalizing your Better experience (e.g., by understanding your preferences), and providing personalized content and offers. By submitting information on Better, you have given us the right to investigate, disclose, verify all the information you have provided to us including but not limited to your personal information, employment information, titles, deeds, and any other documents relevant to your personal and employment information detail (s) and/or you. We may disclose and verify all information you have submitted with any or our associated businesses/companies, representatives, officers, agents, and affiliates.  

Automatic Information Collection  

When you visit our Sites or use our service, read our emails, or otherwise engage with us through a computer or mobile device, we and our third party automatically collect information about how you access and use the Sites and information about the device you use. We typically collect this information through a variety of tracking technologies, including cookies, Flash objects, web beacons, embedded scripts, and similar technology (collectively, “tracking technologies”) and we may use third party services or technologies to collect this information. Information we collect automatically about you may be combined with other personal information and employment information we collect directly from you or from other sources.  

When you use our Sites, our servers automatically log certain information about your use of our Sites, such as your IP address, your browser type, operating system, browser language and service provider. We also collect information about your activities on our Sites, such as the pages you visit or the ads or links you click on. We use this for a number of purposes, where we have a legitimate interest to do so, such as: improving our services, developing new services based on what we learn from your activity; identifying products and marketing that may be of interest to you; personalizing our service to you; and carrying out statistical analysis and research with the purpose of allowing us to better understand our users and the products’ services they want. We also use this information to provide and adapt our services to take account of the technical capabilities of our users as well as identify issues with the website and user’s experience of it.  

IP Addresses and other information collected automatically: We may collect your IP address when you visit our websites to help us diagnose problems with our systems, for system administration, to report aggregated information to our business partners, and to audit the use of our website. In select circumstances, we may use IP addresses to help us identify you to protect our service, site, users or others. We also collect your browser type, Internet Service Provider (ISP), referring/exit pages, the pages viewed on our site, operating system, date/time stamp, and/ or clickstream data to analyze trends in the aggregate and administer the site.  

Session Replay: When you visit our website, we may also record information about your browsing session on the site, including which pages you visited and any forms on the website that you filled in. We review this information to identify any technical issues in the operation of our sites and to improve the user interface on our sites. If we use a third party to help us with this service, this information will be passed to that third party for this purpose.  

For more information about our use of cookies and other tracking technologies for advertising purposes, and to learn how you may control the use of your information for these purposes, please refer to the section called “advertising and personalized content” below.  

Personal Information Storage  

Better by Yoma maintains servers within the Republic of Union of Myanmar. Please note that the laws governing the processing of personal information in the Republic of Union of Myanmar may not be the same as they are in your home country. By joining Better by Yoma and using our services, you consent to the transfer of your personal and financial information outside of your home country, as applicable, for the purposes described in this privacy notice.  

Disclosing Personal Information  

Better by Yoma shares information with third parties outside the Yoma Group in limited circumstances such as to provide the Better Combo and other related services of Better by Yoma , fulfill a transaction you have requested, offer you personalized services, or in other circumstances that are permitted by law and consistent with the purposes for which we collected the information. For example, we may disclose your personal information within the Yoma Group and to contractors, advisors, consultants, and service providers acting on our behalf or under our instructions, including for purposes relating to the provision, operation, maintenance, administration, promotion, improvement, and oversight of our services, Sites and advertising services, or to fulfill your requests for information or service.   

We may also share your personal information with our affiliate companies, including other companies owned or controlled by Yoma Group for business purposes, including internal management and administrative purposes.  

We may disclose your personal information in connection with a corporate transaction, proceeding, or reorganization involving the business activities for which the information is maintained. If ownership of Better by Yoma or its business was to change as a result of a merger, acquisition or transfer to another company, your personal information may be shared or transferred.  

Better by Yoma may disclose your personal information, including location, in response to legal process (for example, a court order, search warrant or subpoena) or requests from law enforcement or regulatory authorities; in other circumstances in which Better by Yoma believes the Sites, the Better by Yoma financing service or have been used in violation of our policies, applicable law or otherwise in the commission of a crime; when we have a good faith belief that there is an emergency that poses a threat to the safety of you or another person; or when necessary to protect the rights or property of Better by Yoma or third parties.  

Advertising and personalized content  

Better by Yoma uses personal information to provide custom, personalized content and information and to inform our marketing and advertising efforts, which may include sending you marketing or advertising communications via email or online. If you do not want us to send you promotional emails, please follow the instructions to unsubscribe in the footer of such emails.  

Our Cookies  

Better by Yoma uses cookies, Flash objects and other tracking technologies that are placed in the browser on your computer or mobile device and can be used to help recognize you on the Better by Yoma Sites and improve the user experience. We use both session ID cookies and persistent cookies. A session ID cookie expires when you close your browser. We use session cookies to maintain session state and user identity. A persistent cookie remains on your hard drive for an extended period of time. We use persistent cookies and content to help remember user preferences and improve the user experience.  

We, and our third-party partners, use this information collected through cookies and tracking technologies to:  

  • remember information so that you will not have to re-enter it during your visit or the next time you use our services;  
  • provide and monitor the effectiveness of our services;  
  • monitor aggregate metrics such as total number of visitors, usage, and demographic patterns on our services;  
  • diagnose or fix technology problems;  
  • detect and prevent fraud or misuse, or (f) otherwise to plan for and enhance our services.  
  • modifying or upgrading our Services.  

If you would prefer not to accept cookies, most browsers will allow you to:  

(i) change your browser settings to notify you when you receive a cookie, which lets you choose whether or not to accept it;  

(ii) disable existing cookies; or  

(iii) set your browser to automatically reject cookies.  

You can control Flash cookies via the Macromedia Flash application on your computer, or by going to the Macromedia Flash Player website, which allows you to view, modify, and delete Flash cookies. If you reject all browser or flash cookies, however, some areas of our Sites may not function well or at all. Depending on your device and operating system, you may not be able to delete or block all tracking technologies. You may also be able to set your email options to prevent the automatic downloading of images that may contain technologies that would allow us to know whether you have accessed our email and performed certain functions with it.  

Online Advertising and third-party ad networks  

Better by Yoma uses third party ad network providers to serve you targeted advertisements based on your browsing history. These providers use cookies or similar tracking technologies to collect information about your use of our Sites, including our mobile apps, over time so that they may play or display ads on our Service, on other websites, apps or services you may use, and on other devices you may use. We may share a common account identifier with our third-party advertising partners to help identify you across devices. We and our third-party partners use this information to make the advertisements you see online more relevant to your interests, as well as to provide advertising-related services such as reporting, attribution, analytics, and market research.  

The use of cookies, web beacons, or similar technologies by content and ad network providers is subject to their own privacy policies, not ours.  

Please note that opting-out of receiving interest-based advertising through the NAI’s and DAA’s online resources will only opt-out a user from receiving interest-based ads on that specific browser or device, but the user may still receive interest-based ads on his or her other devices. You must perform the opt-out on each browser or device you use. These opt-out choices may not affect online advertising that is not cookie-based. Some of these opt-outs may not be effective unless your browser is set to accept cookies. If you delete cookies, change your browser settings, switch browsers or computers, or use another operating system, you may need to opt-out again.  

You may also be able to limit mobile interest-based advertising through the settings on your mobile device by selecting “limit ad tracking” (iOS) or “opt-out of interest based ads” (Android). You may also be able to opt-out of some – but not all – interest-based ads served by mobile ad networks by visiting http://youradchoices.com/appchoices and downloading the mobile App Choices app. You may be able to limit the use of location data for advertising purposes by adjusting your location services settings on your mobile device. We are not responsible for the effectiveness of, or compliance with, any third-parties’ opt-out options or programs or the accuracy of their statements regarding their programs.  

Please note that when you “opt-out” of receiving interest-based advertisements, this does not mean you will no longer see advertisements from us or on our services. In addition, third parties may still use cookies to collect information about your use of our services, including for analytics and fraud prevention as well as any other non-advertising purpose.  

Google Analytics and Advertising. We use Google Analytics to recognize you and link the devices you use when you visit our Sites or services on your browser or mobile device, log in to your account on our services, or otherwise engage with us. We share a unique identifier, like a user ID or hashed email address, with Google to facilitate the service. Google Analytics allows us to better understand how our users interact with our service and to tailor our advertisements and content to you. We may also utilize certain forms of display advertising and other advanced features through Google Analytics, such as Remarketing with Google Analytics, Google Display Network Impression Reporting, the DoubleClick Campaign Manager Integration, and Google Analytics Demographics and Interest Reporting. These features enable us to use first-party cookies (such as the Google Analytics cookie) and third-party cookies (such as the DoubleClick advertising cookie) or other third-party cookies together to inform, optimize, and display ads based on your past visits to the services. For information on how Google Analytics collects and processes data, as well as how you can control information sent to Google, review Google’s site “How Google uses data when you use our partners’ sites or apps” located at www.google.com/policies/privacy/partners/. You can learn about Google Analytics’ currently available opt-outs, including the Google Analytics Browser Ad-On here https://tools.google.com/dlpage/gaoptout/. You may control your advertising preferences or opt-out of certain Google advertising products by visiting the Google Ads Preferences Manager, currently available at https://google.com/ads/preferences.  

Social Media Advertising

We may also use advertising platforms provided by Facebook, Twitter and other social media sites to promote interest- based advertisements to you (or to not show you certain advertisements) and to measure how users interact with those advertisements. We may do this using web tracking tools or by sharing certain information (such as hashed email lists) with these platforms for this purpose.  

These advertisements are governed by the privacy policies of those social media companies that provide them. If you do not want to receive targeted ads on your social networks, you may be able to adjust your advertising preferences through your settings on those networks. You may learn more about advertising preferences by clicking on the following links. To learn more about Facebook’s advertising privacy policies and how to opt out https://www.facebook.com/about/privacy/. We may also use similar advertising programs for other social media sites you use. Please note that these links are provided for your convenience only and we do not control the content or features that may be available on these third-party services.  

Social Sharing and Links. Our website includes social media features, such as the Facebook Like button and widgets, such as the Share This button or interactive mini programs that run on our Sites. These features may collect your IP address, which page you are visiting on our Sites, and may set a cookie to enable the feature to function properly. Social media features and widgets are either hosted by a third party or hosted directly on our Sites. Your interactions with these features are governed by the privacy notice of the company providing it.  

Do Not Track

Further, Better by Yoma is required to alert you how our websites react to Do Not Track signals. Some browsers support a “Do Not Track” feature, which is intended to be a signal to websites that you do not wish to be tracked across different websites you visit. Sites operated by Better by Yoma do not currently respond to those signals. If you block or reject cookies, not all the tracking described here will stop.  

Links to third-party services  

Our Sites may include links to other websites or mobile applications whose privacy practices may differ from those of Better by Yoma. We are not responsible for any personal information practices of third-party websites and online services or the practices of other third parties. We encourage you to carefully read the privacy policy of any website you visit or mobile application that you use.  

Review and Correction of Personal information  

Better by Yoma is committed to providing you with reasonable and practical access to your information to allow you the opportunity to identify inaccuracies. Upon request, Better by Yoma may provide you with information about whether we hold any of your personal information. Under applicable laws you may have the right to request a copy of the personal information we hold about you and have any inaccuracies corrected (we may charge a reasonable fee for such information requests and require you to prove your identity).  

Privacy Notice  

We may change this privacy notice from time to time, so it is advisable to review it frequently. We will advise you of material changes to this privacy notice through our website or other means, and all amended terms shall automatically be effective as of the date of the amended notice. When we make changes to this privacy notice, we will change the “last updated” date at the beginning of this privacy notice. Your continued use of the Better by Yoma service will be deemed to be acceptance of any revised privacy notice.  

Contact information  

If you have questions about our handling of personal information, you may write to us during office hours at hello@better.com.mm or call 09949238837.