Privacy Policy - Loanmoto LOANMOTO protects your personal information in compliance with operative legislation concerning personal data protection in the Philippines under the laws. This policy statement details how LOANMOTO collects and uses your personal data, and informs you about the personal data protection measures we have put in place. When using our Service, you consent to the collection, transfer, usage, storage, disclosure and other uses of your information only as described in this Privacy Policy. Also, you are obliged to read privacy provisions and provisions service before giving any information and using LOANMOTO’s service. By using this application, it means you understand, agree and bound by the provisions of privacy and the services that are determined by LOANMOTO. We expect you to frequently read and understand the provisions of the application.
U-Peso.PH Lending Corp. (the “Company” or “we” or “us”) . is a financial services firm that was registered and licensed on Jul. 24th, 2018 and will be based in Philippines. The company will handle all aspects of cash loan services such as providing cash loans for recurring expenses, providing cash loans for unexpected emergencies/expenses, and other reasons. We are aware that to run an all–round and standard cash loan services firm can be demanding which is why we are well trained, certified and equipped to perform excellently well.
2.1 Many of the services offered by the Company require us to collect Personal Data about you in order to perform our services, evaluate our marketing activities and offer our products and services.
2.2. We may collect and process the following Personal Data about you:
2.2.1. Information that you provide to us.
We have set out below a description of the types of information about you which we may collect and process in different situations when you interact with us. The nature of our relationship with you will determine the kind of Personal Data we might ask for;
2.2.1.1. “Personal Data” means any data which relates to a living individual who can be identified from that data or from other information which is in the possession of, or is likely to come into the possession of, the Company (or its representatives or service providers). In addition to factual information, it includes any expression of opinion about an individual and any indication of the intentions of the Company or any other person in respect of an individual.
2.2.1.2. Personal Data that we generally process regardless of how you contact us, or for whatever reasons (including any surveys which we use for research evaluation purposes, if you chose to respond to them), such as your: first name, family name, email address, phone number and/or correspondence address;
2.2.1.3. Personal Data that you submit online via our Website (including information on ethnicity and disability if you choose to provide it); and/or
2.2.1.4. Personal Data that you submit to us, or to one of our partners to become a customer, which, in addition to the above, may include: financial information, occupation and job details, any relevant income information, proof of identification or other identity documents, age and date of birth.
2.2.2. Information that we collect or generate about you. This includes (by way of non-exhaustive list):
2.2.2.1. details of your visits to our Website and the resources that you access (which may include, amongst other things; traffic data and communication data);
2.2.2.2. information about our business relationships with you, such as a file with your contact history to be used for enquiry purposes so that we may ensure that you are satisfied with the services which we have provided to you, and/or;
2.2.2.3. any Personal Data that you provide to us in correspondence and during our interactions with you (including Personal Data that you provide during telephone and email communications with us, and/or via our Website).
2.2.3. Information we obtain about you from other sources:
Cookies:
2.2.3. We also use ‘cookies’ to track technical information about the services that you use and how you use them on our Website. For full information on how we use the data, please read the Cookie Policy on our Website;
2.2.3.2. information from publicly available sources (including third party agencies such as credit reference agencies, fraud prevention agencies, law enforcement agencies and public registers), such as your credit history; and/or
2.2.3.3. information obtained from sanctions checking and background screening providers and information, such as your reasons for being on the sanctions list.
Other information:We may collect some of your other personal information only after obtaining your additional explicit consent.For example,the phone nunmbers you add to your contacts application may be collected for risk control purposes;and your location information(IP address,longitude and latitude information) may be collected for anti-fraud purposes.
2.2.4. Anonymized data:
In addition to the categories of Personal Data described above, we will also process further Anonymized information and data that is not processed by reference to a specific individual.
2.3. When you register an account on LOANMOTO or use any kind of service on LOANMOTO, you will need to provide your personal information which may include but are not limited to Name, Gender, place and date of birth, domicile, telephone number, email address, employment information, phone contact, call history, SMS, call history, social media accounts.
2.4. In order to quickly log in to LOANMOTO using phone number and verification code, we will gain information through text message and when you log in to the applications or use LOANMOTO, the system will automatically gain access code, and enables you to log in immediately. You can also choose to log in using your password. For safety measures and data storage, LOANMOTO stores your account information, password and other information related to you on LOANMOTO’s server.
2.5. To fully protect the safety of your account, when you visit LOANMOTO’s website or other related websites, or LOANMOTO application or use our services, we are able to track/record your login information, this information can help us better understand your account’s safety, which may include, but is not limited to IP address, permanent device recognition (ie: SSAID, MAC address, IMEI, etc).
2.6. Other than the above information, we also collect additional information in order to raise our service quality, including information that you give when you contact our customer service, and your information which we collect from our affiliated companies.
2.7 Loanmoto collects your application list, including package name, package version, app installed time to build and complete our risk management model. Without the model, we would not be able to provide financial service to you. Your data will be transmitted and stored to our server: ( https://www.loanmoto.com ) over a secure encryption technology. We will not share your data to third parties for any reasons, such as for the purposes of analysis and sale.
Of course, you can choose not to authorize us to collect the data, which is your right.
The whole data collection process is safe and reliable. Data is temporarily stored in https://www.loanmoto.com , we will be in after completion of credit risk rating for you the first time to delete the data.
2.8 Financial SMS : We use and collect SMS data to retrieve financial and transactional data so as to assess your financial history and to determine your eligibility for credit.
2.9 CALL RECORDS: We need to obtain your call records to ensure that real users use the app in a normal environment, rather than using a simulator for fraudulent behavior, we will not be hared with third paries.
2.10 Phone Number We will upload you and your contact phone number to https://saas.loanmoto.com to verify the authenticity of your identity. Quickly writing the correct contact phone number and information through the address book can reduce your input operations. Identity verification is done through the contact to ensure the security of loan funds and the phone number will be removed once your risk profile is determined.
3.1. When you visit our website or our customer mobile service facility, or if you use other services of LOANMOTO, you are obliged to provide a certain amount of information to us we will also collect your information from our affiliates and business partners to complete our data, to provide services to you. We will use an encrypted safety system to store and collect your sensitive personal information.
3.2. We use your information to provide financial services and customer services from LOANMOTO, which may include but is not limited to: application verification, loan disbursement, loan payment. Compare information accuracy, and verify it with a third party. For example, to verify personal data and identity card that you have provided to an organization that does verification.
4.1. We do not use vulnerability scanning and/or scanning to PCI standards. We do not use Malware Scanning. Your personal information is contained behind secured networks and is only accessible by a limited number of persons who have special access rights to such systems, and are required to keep the information confidential. In addition, all sensitive/credit information you provide is encrypted via Secure Socket Layer (SSL) technology.
4.2 We implement a variety of security measures when a user enters, submits, or accesses their information to maintain the safety of your personal information. The Company respects your privacy and assures that your personal data will be kept securely according to the local PDPA or equivalent.
5.1. Yes. Cookies are small files that a site or its service provider transfers to your computer's hard drive through your Web browser (if you allow) that enables the site's or service provider's systems to recognize your browser and capture and remember certain information. For instance, we use cookies to help us remember and process the items in your shopping cart. They are also used to help us understand your preferences based on previous or current site activity, which enables us to provide you with improved services.
5.2. We also use cookies to understand and save user's preferences for future visits, keep track of advertisements and compile aggregate data about site traffic and site interactions in order to offer better site experiences and tools in the future. We may also use trusted third-party services that track this information on our behalf.
5.3. You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies. You do this through your browser settings. Since browser is a little different, look at your browser's Help Menu to learn the correct way to modify your cookies. If users disable cookies in their browser, some of the features that make your site experience more efficient may not function properly.
We do not sell, trade, or otherwise transfer your personally identifiable information to outside parties unless we provide users with advance notice. This does not include website hosting partners and other parties who assist us in operating our website, conducting our business, or serving our users, so long as those parties agree to keep this information confidential. We may also release information when it is appropriate to comply with the law, enforce our site policies, or protect ours or others' rights, property or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.
Occasionally, at our discretion, we may include or offer third-party products or services on our website. These third-party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites. It's also important to note that we allow third-party behavioral tracking.
You have the rights to:
1. Access your personal data in possession of the Platform;
2. Revoke the consent to the processing of your personal data, revise and/or delete the personal data in possession of the Platform unless the conservation of the said data is mandatory by laws and regulations, without retroactive effects, in all those cases in which such revocation, revision, and deletion do not imply the impossibility of fulfilling obligation derived from a current legal relationship between you and the Platform or when it comes to non-necessary purposes.
The exercise of the aforementioned rights must be carried out in writing by email to the following email address: cs@loanmoto.com. After the application has been submitted in the aforementioned terms, the Platform will issue the adopted determination.