1. Company information
Company name: Myloan Lending Investor Inc.
PSEC Registration No.CS201900197
Registered Business Name: PesoCash
Certificate of
Authority to
Operate a
Financing/Lending (CA) Company Number: NO.2866
Address: 12th Floor, Aseana Three Bldg., Macapagal Ave. cor Aseana Ave., Aseana City, Tambo, CITY OF PARAnAQUE, NCR, FOURTH DISTRICT, Philippines
2. Privacy Policy
PesoCash provides each user with safe, convenient and easy-to-operate financial services. We need to collect relevant information in order to provide a better loan service experience. The processing of personal information involved in this agreement is only for users who use PesoCash and participate in our activities. The following PesoCash for short ("we"). In order to explain how we will collect, use and store your personal information and what rights you have, we will explain the relevant matters to you through the "PesoCash Privacy Protection Agreement", the main points of which are as follows:
We will explain one by one the types of personal information we collect from you and how we use it for the app, so that you can understand the specific categories of personal information we collect for a particular function, the reasons for its use and how it is collected. All relevant data/information reports will be encrypted and uploaded to our servers via the HTTPS protocol https://app.pesocash.ph/ .
PesoCash is committed to complying with Republic Act 10173 or the Data Privacy Act of 2012, and its implementing rules and regulations.
I.What kind of information needs to be collected?
During your use of the PesoCash service, we will collect and use the information you actively provide when using the service or generated due to the use of the service in the following ways:
1.1 BASIC PERSONAL INFORMATION
When you register for the PesoCash service, we will collect and use your mobile phone number. The purpose of collecting this information is to help you complete functions such as PesoCash registration and protect the security of your PesoCash account. The collection and use of mobile phone numbers is to meet the real identity information authentication requirements of relevant laws and regulations. If you do not provide such information, you may not be able to use our services normally.
1.2 EQUIPMENT BASIC INFORMATION
During your PesoCash service, in order to ensure your normal use of our services, maintain the normal operation of our services, improve and optimize our service experience and protect the security of your account, we will collect and use your device model, operating system, unique Log information such as device identifier (Android ID/OAID for Android, and IDFA before iOS 14.5 for iOS), login IP address, network access method, type and status, and operation logs. At the same time, in order to prevent viruses, Trojan horse programs or other malicious programs and websites, we may collect application information installed on your device, running process information or data stored in the device memory to prevent the leakage of your personal information.
1.3 CAMERA
When you need to take photos such as ID photos during the process of filling in the information, we will ask for your consent to obtain camera permissions, and enable you to click and upload photos of your documents and other necessary documents during the loan application process. Application.
1.4 LOCATION
When filling in your personal address or company address, we will collect and upload location information from your device after obtaining your consent to reduce the risk associated with your account. We will store your location information in our system database.
1.5 SMS
On the basis of user authorization and consent, we will collect SMS data for fund management and lending security. As a loan credit certificate, improve the loan approval rate. SMS data storage will be encrypted and uploaded to our member server https://app.pesocash.ph via the HTTPS protocol, but we may filter and delete personal SMS data from our servers after analyzing, we shall never share this data with third parties.
1.6 APPLICATION LIST
When you use our APP, we will collect the applications you have installed, and we will collect the application name, application package name, and application installation time after obtaining your consent. This helps us to analyze if you have downloaded a lot of loan apps among your installed apps, assess whether you can apply for a loan, and beware of scams.
1.7 Contact Information Collection
Collection Content: We are committed to ensuring the security of your account, therefore, we require you to provide relevant information about emergency contacts, including their names, phone numbers, and their relationship with you.
Collection Purpose: In cases where your account faces security risks or involves violations, we may not be able to contact you directly. To effectively address these situations, we will use the emergency contact information you provide to ensure timely communication with you or your emergency contacts, in order to obtain or convey necessary information, thereby safeguarding the security and compliance of the account.
Information Transmission and Protection: Given the sensitivity of contact information, we employ strict security measures to protect this information. All contact data will be encrypted and then uploaded to our member server via HTTPS protocol at https://app.pesocash.ph , ensuring complete protection during transmission and mitigating potential threats.
Contact Information Deletion: Once you have completed all orders and decided to close your account, upon confirmation of all transactions being completed, we will proceed immediately. This includes deleting all personal information associated with your account, including emergency contact information. We are committed to protecting your privacy and ensuring the complete deletion of your personal information when it is no longer needed, in order to safeguard your rights and privacy.
1.8 Image Information Collection
Image Collection: Front side of identity proof documents and personal photos taken by the user.
Collection Purpose: We utilize advanced artificial intelligence technology to verify user identity, to prevent identity misuse and fraudulent activities, ensuring the security and reliability of the platform.
Image Transmission and Storage: To ensure user privacy and information security, all images will be encrypted and then uploaded to our secure server via HTTPS protocol at https://app.pesocash.ph . We firmly commit not to share this data with any third parties, ensuring the confidentiality and integrity of user information.
Image Data Deletion: Users can delete uploaded images and other related user information by closing their account as long as there are no pending orders, ensuring that users have complete control over their personal data. We respect users' rights and privacy and strive to provide secure and reliable services.
1.9 Calendar
We will access your calendar permissions only for bill payment due date reminders to help you maintain better loan credit. With your consent, we will add and modify calendar events, but we will not access or modify other events that you have set in your device's calendar.
1.10 OTHER INFORMATION
When you need to upload pictures such as ID photos/BVN/selfie photos during the process of filling in the information, we will ask your consent to obtain storage permissions and help you complete the loan application steps.
II.How to obtain this information and how to use it
2.1 When you use certain functions, we will collect your sensitive personal information after obtaining your consent.Unless it must be collected in accordance with relevant laws and regulations, refusing to provide this information will only prevent you from using the relevant specific functions, but will not affect your normal use of our other functions.
2.2 We will not actively share or transfer your personal information to third parties other than PesoCash. If there are other situations where your personal information is shared or transferred, or you need us to share or transfer your personal information to a third party outside PesoCash, we will directly obtain or confirm that the third party has obtained your express consent for the above behavior , except as otherwise provided by laws and regulations or required to protect user rights or protect the ecological security of PesoCash. In addition, we will conduct risk assessments on the behavior of providing information externally.
2.3 We will not actively obtain your personal information from third parties outside PesoCash. If it is necessary to obtain your personal information from a third party for business development, we will verify the legitimacy of the source in accordance with the law, or make it clear to you the source, type and scope of use of your personal information before obtaining it, such as the personal information that PesoCash needs to conduct business Processing activities beyond the scope of your authorization and consent when you originally provided your personal information to a third party, we will obtain your express consent before processing your personal information; in addition, we will also strictly abide by the relevant laws and regulations, And require third parties to guarantee the legality of the information they provide.
2.4 You can view, correct, copy, delete your personal information through the channels and methods listed in this guideline, and you can also withdraw your consent, cancel your account, make complaints and other privacy functions.
2.5 In order to collect your information under these guidelines, or provide you with services, optimize our services and protect your account security, we will need to ask you for relevant permissions; sensitive permissions such as address book, location, camera, Albums, etc. will not be opened by default, and we will call or use them within the scope of your consent only after you expressly agree.
It should be noted that the fact that we have obtained a specific sensitive permission does not mean that we will necessarily collect your relevant information; even if we have obtained sensitive permissions, it will only be within the necessary scope and during your use of related services or functions. Use these guidelines to collect information about you.
2.6 If you contact our customer service, we may require you to provide the necessary personal information for identity verification to ensure the security of your account. In order to provide services according to your demands, with your authorization, human customer service personnel need to inquire or verify your relevant information within the scope of your authorization. We will try our best to take technical and management measures to ensure the security and confidentiality of your information, and when necessary use within the range. We may also save your contact information (mobile phone number, email, facebook or other contact information you use or offer to provide), records and content of your communications with us, and other information necessary to provide and record customers for you Serve .
2.7 In addition, according to relevant laws, regulations and national standards, we may process your relevant personal information without your authorization and consent in the following situations:
a) Necessary for the personal information processor to perform legal obligations or legal duties;
b) necessary to enter into and perform a contract to which you are a party;
c) Necessary to respond to public health emergencies, or to protect the life, health and property safety of natural persons in emergencies;
d) To deal with the personal information that you have disclosed by yourself or others that have been legally disclosed within a reasonable scope according to law;
e) Other circumstances stipulated by laws and administrative regulations.
2.8 In order to ensure the security of the service and help us better understand the operation of our application, we may record relevant information, such as the frequency of your use of the application, crash data, overall usage, performance data and the source of the application. We do not merge the information we store in our analytics software with any personally identifiable information you provide in the app.
1) If we use your personal information beyond the purpose authorized by you and the scope of direct or reasonable connection, we will inform you again and obtain your express consent before using your personal information.
2) Please note that at present, we will not actively obtain your personal information from third parties outside PesoCash. If it is necessary to indirectly obtain your personal information from a third party for business development in the future, we will make it clear to you the source, type and scope of use of your personal information before obtaining it. The scope of authorization and consent for personal information, we will obtain your express consent before processing your personal information.
In addition, we will strictly abide by the relevant laws and regulations, and require third parties to protect the legality of the information they provide.
III.Storage of Information
3.1 Where information is stored
We will encrypt and store the data we collect (such as text messages, installed application list, etc.) to our data server via the HTTPS protocol https://app.pesocash.ph/.
In accordance with laws and regulations. We will never share this data with third parties.
3.2 Duration of Information Storage
Generally speaking, we only retain your personal information for the time necessary to achieve the purpose and the retention period stipulated by laws and administrative regulations, such as:
Mobile phone number: You register a PesoCash account through your mobile phone number. If you need to use the PesoCash service, we need to keep your mobile phone number (including the initial registered mobile phone number, replacement of a new mobile phone number, etc.) to ensure that you can use the service normally. When you cancel your PesoCash account, we will delete the corresponding information in accordance with the law.
You can also cancel your account in the following ways (Mine-Settings-Cancel Account). When you submit a cancellation application that is not cancelled within 7 natural days, we will cancel your account according to law and delete your personal information. If you have any questions, please contact online customer service.
IV.How We Use Cookies and Similar Technologies
4.1 What are cookies?
A cookie is a small file transmitted by our website, application or service and stored on your device. Our website, online services, interactive applications, email addresses and advertisements may use cookies and other similar technologies, such as pixel tags and web beacons. Cookies may be stored on your computer for a short period of time (such as only when your browser is open) or for a long period of time, even years. We cannot access cookies not set by us.
4.2 Cookies and similar technologies we use
(1) We and our partners use cookies or similar tracking technologies to better understand the usage of mobile software on your device, to understand the frequency of your use of the app, events that occur within the app, cumulative usage, performance data and where to download apps from. We do not link the information stored in the analytics software to any personal information you submit in the mobile application.
(2) We and our partners use cookies or similar tracking technologies to analyze trends, administer the website, track user behavior on the website, and collect overall demographic information about our user base.
V.Changes to this Privacy Policy
PesoCash reserves the right to change, modify, add or delete sections of this Privacy Policy at any time and for any reason. Any revisions will be updated on our website. Unless otherwise stated, these changes will be effective immediately upon posting. We encourage you to periodically review this page for the latest information on our privacy practices. Continuing to use and access our services means you accept the revisions to the Privacy Policy.
Users may choose to edit/modify or delete/delete any personal information shared for platform use. Please be aware that deleting or deactivating information may affect our service to you. If personal information changes, users will be required to provide supporting documentation related to the change to verify our information.
If you do not agree to the above personal information protection policy, we will not be able to collect and use the information necessary to provide services, so that we cannot provide you with normal services.
VI.Questions and Complaints
If you have any questions, concerns or complaints about this Privacy Policy or our use of your personal information, please send an email to cs@pesocash.ph.
This Privacy Policy may be updated from time to time to improve and continue our service to you. We encourage you to visit this page from time to time to ensure you have read our latest Privacy Policy.
Privacy Policy Version Update Time:
14.Dec.2022