LIFT is not a loan. It lets you receive wages you have already earned before payday. There is no interest, no late fee, no credit check, and no effect on your credit score.

The only cost is a flat fee per withdrawal. The fee is the same no matter how much you take out (currently 20,000 VND per Disbursement, VAT inclusive), and it is shown on screen before you confirm each request.

If you don’t use it, it costs nothing. Use is entirely voluntary, you can stop at any time, and choosing not to use LIFT will never count against you at work.

You owe LIFT nothing. On payday, your Employer — acting on your authorization — pays LIFT the wage amount you drew early. There is nothing for you to pay back, and LIFT will never demand payment from you or pursue collection against you.

Your total pay never changes. You receive the amount you request minus the fee (20,000 VND) immediately, and on payday you receive the rest of your wages in full. Only the fee is subtracted, and only the timing changes.

We use your personal data only as needed to provide the Service, and we never sell it.

The Service is not a loan, not an extension of credit, and not a credit transaction, and LIFT is not a credit institution under Vietnam’s Law on Credit Institutions.

LIFT is registered under its Enterprise Registration Certificate (ERC) for other financial support services (VSIC 6619) — entrusted operational services on a fee or contract basis, and the Service is provided within the scope of that registered business line.

The Service is grounded in Vietnam’s Labor Code No. 45/2019/QH14: Article 101 (advance payment of wages by agreement between the parties) and Article 94 (payment of wages to a person lawfully authorized by the worker).

The Service involves no interest, no collateral, and no credit check. Whether and how you use it has no effect whatsoever on your credit record or credit score.

You are employed by an Employer that has a valid agreement with LIFT.

You are at least 18 years old.

You hold a bank account in your own name in Vietnam — the account your Employer has registered for payroll — to receive Disbursements.

You have wages that you have already earned by working during the current Pay Cycle but that have not yet been paid.

You meet any other criteria set by LIFT or your Employer and announced in advance in the App.

When you request and confirm a Disbursement in the App, you make two declarations at once: (i) a request for advance payment of wages by agreement with your Employer under Article 101 of the Labor Code, and (ii) a Wage Receipt Authorization under Article 94 of the Labor Code designating LIFT as the lawful recipient of the Disbursement amount you requested. Because the wage portion you already drew as a Disbursement is not of a nature to be paid to you again on payday, it is settled by payment to LIFT under that authorization.

Each Wage Receipt Authorization is given per individual Disbursement and is limited to that Disbursement’s requested amount. It has no effect on any other part of your wages.

You may cancel a request at any time before the Disbursement is executed. If you do, the authorization lapses and no fee applies.

A record of each authorization is kept in electronic form, and you can view your complete history of requests, authorizations, and Settlements in the App.

Using the Service creates no debt of any kind from you to LIFT. A Disbursement is the early receipt of your own wages, already earned through work you have performed.

LIFT will never demand payment from you, pursue collection against you, sue you, or report you to any credit bureau.

If Settlement cannot take place on the regular payday — because you leave your job, change jobs, or for any other reason — the matter is handled under the agreement between LIFT and your Employer. Settlement occurs only within the wages you have already earned, and no residual obligation or additional burden falls on you.

This Section continues to apply after your service relationship ends or after you leave your Employer.

This Section does not, however, excuse liability — such as restitution of unjust enrichment under applicable law — where you obtained a Disbursement by fraudulent means, including false information, in breach of Section 10(5).

Use of the Service is entirely your voluntary choice. No one may require or pressure you to use it.

You may stop using the Service or close your account at any time, at no cost and with no penalty.

Through its agreements with Employers, LIFT ensures that you will suffer no disadvantage or discrimination in hiring, continued employment, evaluation, promotion, or treatment because you choose not to use the Service.

There are no restrictions of any kind on how you use the money you receive through a Disbursement.

To support your financial health, LIFT gives you transparent access in the App to your usage history and projected payday amount. Frequent Disbursements can affect how you manage the amount you receive on payday, so we encourage you to plan your use around your own needs.

Provide accurate and complete information about yourself.

Use the Service only for lawful purposes and in accordance with these Terms.

Keep your account credentials (including your password) secure and not share them with anyone.

Not use the Service in another person’s name or on another person’s behalf.

Not request a Disbursement by fraudulent means, including creating false attendance or wage records.

All intellectual property rights in the Service — including the App, software, content, logos, and trademarks — belong to LIFT or its licensors.

You receive a limited, non-exclusive, non-transferable right to use the App for the purpose of using the Service. You may not copy, modify, or reverse engineer any part of the App.

LIFT works to provide a stable and fast Disbursement service. The Service may nonetheless be temporarily interrupted or delayed by system maintenance, network failures, or conditions at banks and payment networks, and LIFT will take reasonable steps to minimize such disruptions.

To the maximum extent permitted by law, LIFT is not liable for indirect, incidental, or consequential damages arising from your use of, or inability to use, the Service.

Nothing in this Section excludes or limits any rights guaranteed to you under mandatory consumer-protection law.

LIFT may suspend or terminate your use of the Service if (i) you materially breach these Terms, (ii) your Employer makes a legitimate request, or (iii) continuing to provide the Service would become unlawful or create a serious risk. In each case, we will notify you of the reason without delay.

Your eligibility ends when your employment relationship with your Employer ends, or when the agreement between your Employer and LIFT ends.

Even after suspension or termination, Settlement of any Disbursement already executed proceeds under Sections 5 and 6, and Section 8 (No Debt, No Recourse) continues to apply.

LIFT may change these Terms to the extent consistent with applicable law.

When we change these Terms, we will announce the effective date and the reasons for the change through App notices and notifications at least 15 days before the effective date — or at least 30 days in advance for changes that are unfavorable to you or otherwise material.

For changes that materially affect your rights or obligations, we will obtain your explicit consent again. If you do not agree to a change, you may stop using the Service and close your account, with no disadvantage to you.

We will review each complaint without delay and, within 7 business days of receipt, let you know the outcome or the timeline for resolution.

These Terms are governed by and interpreted under the laws of the Socialist Republic of Vietnam.

Disputes arising in connection with these Terms will first be addressed through good-faith discussion. If no resolution is reached, either party may bring the matter before the competent courts of Ho Chi Minh City. This Section does not limit any dispute-resolution avenue guaranteed to you under consumer-protection law.

Company name: LIFT Technology Services Co., Ltd.

Tax code: 0319049183

Registered business line: Other financial support services (VSIC 6619) — entrusted operational services on a fee or contract basis

Address: Floor 3, MORITZ Building, 140 Nguyen Van Khoi, Thong Tay Hoi Ward, Ho Chi Minh City, Vietnam

Email: info@liftpay.app

We process only the minimum data needed to provide the Service (identity verification, attendance/wage data, account details, and the like).

We never sell your personal data. We share it only with the parties needed for payday Settlement and payouts (your Employer and banks), and only to the extent needed.

We obtain consent only through checkboxes you tick yourself during sign-up and use — and you can withdraw consent at any time.

You have the right to access, correct, and delete your data, to report violations to the authorities, and to claim damages.

Questions and rights requests: info@liftpay.app

This Privacy Policy (“Policy”) explains how LIFT collects, uses, and protects your personal data in connection with the Service.

This Policy is prepared in accordance with Vietnam’s Law on Personal Data Protection (No. 91/2025/QH15), its implementing decrees, and other applicable law.

This Policy is a notice about how personal data is processed. Merely reading this Policy does not constitute consent to the collection or use of your personal data; we obtain consent through the explicit methods described in Section 5 during sign-up and use of the Service.

Your Employer is a separate controller of the work-related data it holds and manages about its workers (attendance, wages, and the like), and LIFT is a separate controller processing that data within the scope of providing the Service. The roles and responsibilities of each are set out in the agreement between LIFT and the Employer.

We obtain your clear and specific consent to the collection and use of your personal data. Consent is expressed through your affirmative act — such as ticking a consent checkbox — during sign-up and use. Silence, or mere use of the Service, is never treated as consent.

We obtain consent separately for each purpose. Consents essential to providing the Service are separated from optional consents (such as marketing), and refusing an optional consent does not limit your use of the Service.

For sensitive-equivalent data such as financial data, we obtain separate consent.

All consent records are kept in an electronic form that can be printed and reproduced.

You may withdraw consent at any time through the App settings or the contact in Section 2. Withdrawal does not affect the lawfulness of processing carried out before the withdrawal. If you withdraw consent for essential items, your use of some or all of the Service may be limited.

We never sell your personal data. The sale and purchase of personal data is prohibited by law, and we comply strictly with that prohibition.

If the recipients or the scope of sharing or entrusted processing changes, we will update this Policy and notify you.

Your personal data is processed and stored on servers located in Vietnam and is not transferred outside Vietnam.

If a cross-border transfer becomes necessary for the operation of the Service in the future, we will complete the procedures the law requires (including preparing and filing a cross-border transfer impact assessment), and will update this Policy and notify you in advance of the recipients, destination countries, and safeguards.

We keep personal data only for as long as needed to fulfill the purpose of processing.

Personal data past its retention period is securely deleted by irreversible means or anonymized.

Encryption in transit and at rest, and access controls.

Access management under the principle of least privilege — access limited to personnel who need it for their work.

Enhanced safeguards for highly sensitive data such as financial data.

Security training for staff, and contractual protection obligations imposed on processors.

If we become aware of a personal data breach or other infringement incident, we will notify the competent authority within the statutory deadline (72 hours of becoming aware)

Where the law requires notice to data subjects (including breaches involving financial data), and in any other incident that could materially affect you, we will notify affected users of what happened, the expected impact, and the steps you can take.

We maintain and operate internal response procedures for breach incidents.

1. You have the following rights over your personal data:
2. The right to know about the processing of your personal data.
3. The right to decide whether to consent to processing.
4. The right to access and view your personal data and to receive a copy of it.
5. The right to withdraw consent.
6. The right to request correction of inaccurate data.
7. The right to request deletion, within the limits of statutory retention obligations.
8. The right to request restriction of processing.
9. The right to object to processing.
10. The right to request the provision of your personal data.
11. The right to complain, denounce, and initiate lawsuits over violations of the law (including reporting to the competent authorities).
12. The right to claim damages where a violation of the law has caused you harm.
13. The right to protect your own personal data yourself, as provided by law.

You can exercise these rights through the in-app menu or the contact in Section 2, and you can request deletion of your account and personal data directly in the App. After verifying your identity, we will handle your request within the statutory deadline; if more time is needed, we will explain why and give you an expected timeline.

Exercising your rights is free of charge, except in the limited cases the law provides.

The App may automatically collect device data and basic usage records to keep the Service running reliably and to diagnose errors.

Our website may use cookies for visit statistics; you can refuse cookies through your browser settings.

We do not carry out automated decision-making that materially affects your rights, such as profiling.

We may revise this Policy to reflect changes in the law or in the Service.

When we revise it, we will announce the effective date and the main changes through the App at least 15 days before the effective date. For changes that require your consent — such as adding data categories or purposes — we will obtain separate consent.

Previous versions of this Policy are available on request.

Email: info@liftpay.app

Address: Floor 3, MORITZ Building, 140 Nguyen Van Khoi, Thong Tay Hoi Ward, Ho Chi Minh City, Vietnam

LIFT is not a loan. It lets you receive wages you have already earned before payday. There is no interest, no late fee, no credit check, and no effect on your credit score.

The only cost is a flat fee per withdrawal. The fee is the same no matter how much you take out (currently 20,000 VND per Disbursement, VAT inclusive), and it is shown on screen before you confirm each request.

If you don’t use it, it costs nothing. Use is entirely voluntary, you can stop at any time, and choosing not to use LIFT will never count against you at work.

You owe LIFT nothing. On payday, your Employer — acting on your authorization — pays LIFT the wage amount you drew early. There is nothing for you to pay back, and LIFT will never demand payment from you or pursue collection against you.

Your total pay never changes. You receive the amount you request minus the fee (20,000 VND) immediately, and on payday you receive the rest of your wages in full. Only the fee is subtracted, and only the timing changes.

We use your personal data only as needed to provide the Service, and we never sell it.

The Service is not a loan, not an extension of credit, and not a credit transaction, and LIFT is not a credit institution under Vietnam’s Law on Credit Institutions.

LIFT is registered under its Enterprise Registration Certificate (ERC) for other financial support services (VSIC 6619) — entrusted operational services on a fee or contract basis, and the Service is provided within the scope of that registered business line.

The Service is grounded in Vietnam’s Labor Code No. 45/2019/QH14: Article 101 (advance payment of wages by agreement between the parties) and Article 94 (payment of wages to a person lawfully authorized by the worker).

The Service involves no interest, no collateral, and no credit check. Whether and how you use it has no effect whatsoever on your credit record or credit score.

You are employed by an Employer that has a valid agreement with LIFT.

You are at least 18 years old.

You hold a bank account in your own name in Vietnam — the account your Employer has registered for payroll — to receive Disbursements.

You have wages that you have already earned by working during the current Pay Cycle but that have not yet been paid.

You meet any other criteria set by LIFT or your Employer and announced in advance in the App.

When you request and confirm a Disbursement in the App, you make two declarations at once: (i) a request for advance payment of wages by agreement with your Employer under Article 101 of the Labor Code, and (ii) a Wage Receipt Authorization under Article 94 of the Labor Code designating LIFT as the lawful recipient of the Disbursement amount you requested. Because the wage portion you already drew as a Disbursement is not of a nature to be paid to you again on payday, it is settled by payment to LIFT under that authorization.

Each Wage Receipt Authorization is given per individual Disbursement and is limited to that Disbursement’s requested amount. It has no effect on any other part of your wages.

You may cancel a request at any time before the Disbursement is executed. If you do, the authorization lapses and no fee applies.

A record of each authorization is kept in electronic form, and you can view your complete history of requests, authorizations, and Settlements in the App.

Using the Service creates no debt of any kind from you to LIFT. A Disbursement is the early receipt of your own wages, already earned through work you have performed.

LIFT will never demand payment from you, pursue collection against you, sue you, or report you to any credit bureau.

If Settlement cannot take place on the regular payday — because you leave your job, change jobs, or for any other reason — the matter is handled under the agreement between LIFT and your Employer. Settlement occurs only within the wages you have already earned, and no residual obligation or additional burden falls on you.

This Section continues to apply after your service relationship ends or after you leave your Employer.

This Section does not, however, excuse liability — such as restitution of unjust enrichment under applicable law — where you obtained a Disbursement by fraudulent means, including false information, in breach of Section 10(5).

Use of the Service is entirely your voluntary choice. No one may require or pressure you to use it.

You may stop using the Service or close your account at any time, at no cost and with no penalty.

Through its agreements with Employers, LIFT ensures that you will suffer no disadvantage or discrimination in hiring, continued employment, evaluation, promotion, or treatment because you choose not to use the Service.

There are no restrictions of any kind on how you use the money you receive through a Disbursement.

To support your financial health, LIFT gives you transparent access in the App to your usage history and projected payday amount. Frequent Disbursements can affect how you manage the amount you receive on payday, so we encourage you to plan your use around your own needs.

Provide accurate and complete information about yourself.

Use the Service only for lawful purposes and in accordance with these Terms.

Keep your account credentials (including your password) secure and not share them with anyone.

Not use the Service in another person’s name or on another person’s behalf.

Not request a Disbursement by fraudulent means, including creating false attendance or wage records.

All intellectual property rights in the Service — including the App, software, content, logos, and trademarks — belong to LIFT or its licensors.

You receive a limited, non-exclusive, non-transferable right to use the App for the purpose of using the Service. You may not copy, modify, or reverse engineer any part of the App.

LIFT works to provide a stable and fast Disbursement service. The Service may nonetheless be temporarily interrupted or delayed by system maintenance, network failures, or conditions at banks and payment networks, and LIFT will take reasonable steps to minimize such disruptions.

To the maximum extent permitted by law, LIFT is not liable for indirect, incidental, or consequential damages arising from your use of, or inability to use, the Service.

Nothing in this Section excludes or limits any rights guaranteed to you under mandatory consumer-protection law.

LIFT may suspend or terminate your use of the Service if (i) you materially breach these Terms, (ii) your Employer makes a legitimate request, or (iii) continuing to provide the Service would become unlawful or create a serious risk. In each case, we will notify you of the reason without delay.

Your eligibility ends when your employment relationship with your Employer ends, or when the agreement between your Employer and LIFT ends.

Even after suspension or termination, Settlement of any Disbursement already executed proceeds under Sections 5 and 6, and Section 8 (No Debt, No Recourse) continues to apply.

LIFT may change these Terms to the extent consistent with applicable law.

When we change these Terms, we will announce the effective date and the reasons for the change through App notices and notifications at least 15 days before the effective date — or at least 30 days in advance for changes that are unfavorable to you or otherwise material.

For changes that materially affect your rights or obligations, we will obtain your explicit consent again. If you do not agree to a change, you may stop using the Service and close your account, with no disadvantage to you.

We will review each complaint without delay and, within 7 business days of receipt, let you know the outcome or the timeline for resolution.

These Terms are governed by and interpreted under the laws of the Socialist Republic of Vietnam.

Disputes arising in connection with these Terms will first be addressed through good-faith discussion. If no resolution is reached, either party may bring the matter before the competent courts of Ho Chi Minh City. This Section does not limit any dispute-resolution avenue guaranteed to you under consumer-protection law.

Company name: LIFT Technology Services Co., Ltd.

Tax code: 0319049183

Registered business line: Other financial support services (VSIC 6619) — entrusted operational services on a fee or contract basis

Address: Floor 3, MORITZ Building, 140 Nguyen Van Khoi, Thong Tay Hoi Ward, Ho Chi Minh City, Vietnam

Email: info@liftpay.app

We process only the minimum data needed to provide the Service (identity verification, attendance/wage data, account details, and the like).

We never sell your personal data. We share it only with the parties needed for payday Settlement and payouts (your Employer and banks), and only to the extent needed.

We obtain consent only through checkboxes you tick yourself during sign-up and use — and you can withdraw consent at any time.

You have the right to access, correct, and delete your data, to report violations to the authorities, and to claim damages.

Questions and rights requests: info@liftpay.app

This Privacy Policy (“Policy”) explains how LIFT collects, uses, and protects your personal data in connection with the Service.

This Policy is prepared in accordance with Vietnam’s Law on Personal Data Protection (No. 91/2025/QH15), its implementing decrees, and other applicable law.

This Policy is a notice about how personal data is processed. Merely reading this Policy does not constitute consent to the collection or use of your personal data; we obtain consent through the explicit methods described in Section 5 during sign-up and use of the Service.

Your Employer is a separate controller of the work-related data it holds and manages about its workers (attendance, wages, and the like), and LIFT is a separate controller processing that data within the scope of providing the Service. The roles and responsibilities of each are set out in the agreement between LIFT and the Employer.

We obtain your clear and specific consent to the collection and use of your personal data. Consent is expressed through your affirmative act — such as ticking a consent checkbox — during sign-up and use. Silence, or mere use of the Service, is never treated as consent.

We obtain consent separately for each purpose. Consents essential to providing the Service are separated from optional consents (such as marketing), and refusing an optional consent does not limit your use of the Service.

For sensitive-equivalent data such as financial data, we obtain separate consent.

All consent records are kept in an electronic form that can be printed and reproduced.

You may withdraw consent at any time through the App settings or the contact in Section 2. Withdrawal does not affect the lawfulness of processing carried out before the withdrawal. If you withdraw consent for essential items, your use of some or all of the Service may be limited.

We never sell your personal data. The sale and purchase of personal data is prohibited by law, and we comply strictly with that prohibition.

If the recipients or the scope of sharing or entrusted processing changes, we will update this Policy and notify you.

Your personal data is processed and stored on servers located in Vietnam and is not transferred outside Vietnam.

If a cross-border transfer becomes necessary for the operation of the Service in the future, we will complete the procedures the law requires (including preparing and filing a cross-border transfer impact assessment), and will update this Policy and notify you in advance of the recipients, destination countries, and safeguards.

We keep personal data only for as long as needed to fulfill the purpose of processing.

Personal data past its retention period is securely deleted by irreversible means or anonymized.

Encryption in transit and at rest, and access controls.

Access management under the principle of least privilege — access limited to personnel who need it for their work.

Enhanced safeguards for highly sensitive data such as financial data.

Security training for staff, and contractual protection obligations imposed on processors.

If we become aware of a personal data breach or other infringement incident, we will notify the competent authority within the statutory deadline (72 hours of becoming aware)

Where the law requires notice to data subjects (including breaches involving financial data), and in any other incident that could materially affect you, we will notify affected users of what happened, the expected impact, and the steps you can take.

We maintain and operate internal response procedures for breach incidents.

You can exercise these rights through the in-app menu or the contact in Section 2, and you can request deletion of your account and personal data directly in the App. After verifying your identity, we will handle your request within the statutory deadline; if more time is needed, we will explain why and give you an expected timeline.

Exercising your rights is free of charge, except in the limited cases the law provides.

The App may automatically collect device data and basic usage records to keep the Service running reliably and to diagnose errors.

Our website may use cookies for visit statistics; you can refuse cookies through your browser settings.

We do not carry out automated decision-making that materially affects your rights, such as profiling.

We may revise this Policy to reflect changes in the law or in the Service.

When we revise it, we will announce the effective date and the main changes through the App at least 15 days before the effective date. For changes that require your consent — such as adding data categories or purposes — we will obtain separate consent.

Previous versions of this Policy are available on request.

Email: info@liftpay.app

Address: Floor 3, MORITZ Building, 140 Nguyen Van Khoi, Thong Tay Hoi Ward, Ho Chi Minh City, Vietnam