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CONFIDENTIALITY NOTICE

Adopted "05" June 2022

LIMITED LIABILITY COMPANY ECPC-100 (hereinafter referred to as "Company" or "We") recognizes the importance of data protection and security of personal and confidential information we collect from you, our valued customers, in accordance with the Data Privacy Act (RA 10173), its Implementing Rules and Regulations (IRR), as well as issues of the National Commission on Confidentiality.

The Company may ask you to provide certain information by which you can be identified when registering and using our website and / or mobile applications, applications through our Partners and / or communicating with our employees or authorized representatives. We assure you that any information collected in this way will only be used in accordance with the terms of this Privacy Notice. This Privacy Notice informs you of our privacy practices and describes how we may collect, use, protect, store, disclose and dispose of information.

www. https://loan-ph.com/ is an electronic platform through which our users can send a request for a loan ("Services") from a credit company, the services of which we advertise on our website hereinafter - "Credit Companies" ). We do not provide loans, nor are we representatives or agents of companies that do so. The User gets acquainted with and chooses a company on the Credit, goes to the link on its website and places his application for a loan. Please read this message and our terms of use carefully to fully understand our Services.

The mechanisms by which we use your personal data are secure and confidential, as we have the appropriate physical and technological means to ensure that they are processed in such a way as to prevent unwanted or unauthorized access by third parties, and we provide them confidentiality.

Users (hereinafter referred to as "User" separately and "Users" together) of the website https://loan-ph.com/ (hereinafter referred to as "Website") are provided with appropriate technical resources so that in case of voluntary completion of user data, Users may access this Privacy Notice and any other relevant information regarding the protection of user data.

This Privacy Notice applies to any User of the aforementioned website, mobile and / or offline / affiliate application by any applicant for a loan from our Partners, so Users are encouraged to periodically review it for updates on a regular basis.

The user is advised to read this Privacy Notice carefully. After reviewing the terms and conditions set forth in this document, the User has the right to choose: to agree or disagree with such terms. Please note that disagreement with the terms will mean that the Company will not be able to continue processing your loan application.

Please be guided accordingly.

DEFINITION OF TERMS:

and. Personal information refers to any information, whether it is recorded in material form, from which a particular person is obvious or can be reasonably and directly established by the entity in possession of the information, or when together with other information could be directly and reliably identify the person. .

1. Confidential personal information refers to personal information about race, marital status, age, skin color, and religious, philosophical, or political beliefs; health, education, genetic information, sexual life or participation in litigation. It may also include social security numbers, medical books and licenses, PIN codes and account numbers.

1. Confidential information refers to any form of data which, in accordance with the Rules of Court and other relevant laws, is confidential information.

1. Data subject / User is a person whose personal or confidential information is processed.

1. Processing means any operation or any set of operations performed with personal, confidential and confidential information, including, but not limited to, the collection, recording, organization, storage, updating or modification, reuse, consultation, use, consolidation , blocking, erasing or deleting data. Processing can be done by automated means or by manual processing if personal data is contained or intended to be stored in a file system.

1. User data is personal, confidential or confidential information of the data subject / user.

The processing of personal, confidential and confidential information is generally prohibited for processing without the consent of the User.

PERSONAL / CONFIDENTIAL INFORMATION, WE MAY COLLECT:

   and. Full name

1. email address

   with. Mobile phone number

1. General conditions

a.) This Privacy Notice is valid for all User Data received by the Company from an individual who owns such User Data when using or attempting to use the services of the Client's Partners, including the conclusion of credit agreements.

b.) User accepts this Privacy Notice through the use of the Company's website, mobile application, Partner Program and communication with employees and authorized representatives of the Company and agrees to the collection, processing, use, storage and transfer of User Data in formats provided by law and the rules of the Philippines, as well as this Privacy Notice.

c.) The purpose of this Privacy Notice is to respect the rights of Users to User Data to collect, use and process such User Data by the Company.

1. User data

1. User data collection is carried out from several sources:

         a.) by registering on the Website or Mobile Application

         b.) by communicating with employees or representatives of the Client;

         c.) by navigating through a website or mobile application.

2. User data is both personal and non-personal information:

a.) Personal information is any information on the basis of which the identity of the User can be reasonably and directly established, or if together with other information it would be possible to directly and accurately identify a person, such as name, gender, date of birth, address , phone number / mobile phone number, e-mail address, identity document, etc. It also contains information on:

            i.) data that would help the Client's Partners to assess the User's credit reputation, such as marital information, financial data, business details and other data, where possible;

            ii.) the location of the User's device, whether a computer, laptop or mobile device used to access the Website; and

            iii.) the experience of navigating the User when accessing the Website to see the actions taken on the Website, the pages visited and their sequence.

b.) Non-personal information is any information that does not identify the User separately, and includes statistical and analytical data, as well as anonymous and consolidated reports.

c.) The User may also be asked to update the Personal Information from time to time. If the User is unable to provide the required Personal Information, the Client and its Partners may not provide the User with the requested products and services, as well as updates on the latest offers. The User may also not be able to participate in events, promotions or other events of the Company.

d.) Depending on the User's device or Internet browser settings, when Users access the Website and communicate electronically with the Company, the Company may use cookies, web beacons, small text data files or similar technologies to identify and record User devices. users. 'preferences, with the consent of Users.

e.) The User is obliged to inform the Company of any changes in the information provided in order to constantly update it and avoid errors.

III. Purposes of user data processing

 The Company may process, collect, use and process user data, inter alia, for the following purposes:

a.) Confirm the identity of the User;

b.) Contact the User;

c.) Refer to the specified links of the User in case it is impossible to contact the User;

d.) Update information on the loan;

f.) Improve the Customer experience of the User and offer individual products to meet the wishes and needs of customers;

g.) send commercial or marketing communications about products and services;

h.) Improve service and service content through statistical analysis and market research;

i.) Comply with any safety, security, service or law requirements and processes;

j.) Process information for statistical, analytical and research purposes; and

Any other purpose expressly stated in the Loan Application Form and / or the General Conditions, as well as in the promissory note / Disclosure Statement.

The Company also uses the User's Personal Information to the extent necessary to comply with the law and litigation, such as court decisions; to fulfill legal obligations; or to prevent any harm to public safety, security or order.

The Company also uses non-personal User information for statistical, analytical and research purposes to generate anonymous and consolidated reports.

The User agrees to the above purposes and for the Company to retain the provided User Data, even if the loan application has not been accepted, in order to ensure compliance with legal obligations and to avoid duplication in the processing of new applications.

The User agrees that User Data may be used, processed, encrypted, transmitted and stored by the Company and the Company's Partners providing loans, other services and other third parties if the Company deems it necessary within the limits permitted by Philippine law.

The Company may outsource or contract the processing of User Data to third parties, such as, but not limited to, the following: providers, service providers, partners or other telecommunications operators, for any of the above purposes. These parties have the right to use User Data only for such purposes under the contract. These parties may have access to user data for a limited time in accordance with reasonable contractual and technical safeguards to limit the use of such information. The Company requires these parties to protect user data in accordance with this Privacy Notice, the Data Privacy Act, its IRR, and the NPC. 

1. Your rights as data subjects

We acknowledge and take seriously our responsibility to protect the user data you trust us from loss, misuse or unauthorized access. Here is a summary of your data protection rights:

    and. The right to access your personal data

1. The right to demand restriction of access
2. The right to restrict and prevent disclosure
3. The right to change or update personal data
4. The right to allow other uses
5. The right to receive notifications of breaches of confidentiality
6. The right to destroy personal data
7. The right to file a complaint with the National Privacy Commission (NPC), provided that complaints are first filed with the Company's Data Protection Specialist (DPO) for appropriate action before filing a complaint with the NPC.

     If you would like to request access, review or correction of the information we have collected about you, please contact us by e-mail: [email protected]. We reserve the right to charge a fee for the execution of your request, if permitted by applicable law, and / or to reject the request if, at the Company's discretion. the request is considered unreasonable, excessive or otherwise unacceptable in accordance with the law.

1. Saving user data

The Company retains your User Data for the period necessary to fulfill the purposes set forth in this Privacy Notice, unless a longer retention period is required or permitted by law. When we no longer need your user data, the Company, its Partners or our service providers will securely delete and / or archive the information.

1. Third party links and other companies / organizations

Links to other websites (that is, third-party links) may appear that have their own privacy notice, and if you click on it, they are accepted as accepted. This Privacy Statement does not apply to such third-party links as may appear on the Website. The Company's liability for User Data extends only to its own Website. This Privacy Notice also does not regulate the data processing activities of other companies and organizations that advertise the Company's services.

VII. Business transfer

If ownership of all or almost all of our business changes, or we conduct a corporate reorganization (including merger or consolidation) or any other action or transfer between other organizations, including the transfer of transactions, you expressly agree to the Company transfer your User Data to the new owner , successor, buyer or successor so that we can continue to provide our services.

In addition, if the Company or almost all of its assets were acquired, User Data would be one of the assets being verified and transferred or acquired by a third party, you acknowledge that such transfers may occur and that any Company buyer may continue to use User Data. , set forth in this Privacy Notice.

Information from cookies and web beacons

Cookies are small text files created by a website that store information on your computer, such as your settings when you visit this website. Like many websites, if you enable cookies in your browser, the Company, on its own and through third-party tools and applications, collects certain technical information through cookies, such as the user's path to the website, pages visited, source IP -address, browser type, browser language, and date and time of the user's visit. This information helps the Company track trends and improve areas of the website and program, and is a common analytics used by most websites. If you have disabled cookies,

Web beacons are tiny graphic images with a unique ID that look similar to cookies, but instead of being stored on your computer, they are invisibly embedded on web pages. Web beacons are used to track the movements of Internet users on the Internet. The Company uses them to better understand user interactions and interactions with the Website (including, without limitation, electronic communications), for example, to find out if certain users have accessed the Website from links to other websites. The Company may use this information to set up its audience for advertising advertised by the Company. You can configure your browser to opt out of collecting and using this tracking information for advertising purposes.

We also use cookies for remarketing by placing a cookie in your browser to indicate that you have visited the website. This allows us to show you Company ads when you visit other websites that place ads. The company supports the "Do not track" option, available in most Internet browsers. The use of cookies by third parties on the Website is intended to facilitate the use of the Website and to enable certain features of the Website and is not covered by this Privacy Policy. We do not control these cookies. The company informs the user that if you refuse to download cookies, some sections of our website will not work or the user will not be able to access them. If you reject or block cookies, you may not be able to use certain services that require user identification. It may also slow down the loading of some pages of this website.

Law and jurisdiction

Any interpretation, judicial or administrative action relating to the processing of personal data constituting the Company's databases and this Statement of Confidentiality shall be subject to the personal data protection rules established in the Republic of the Philippines and the competent administrative or jurisdictional authorities for resolution. any problems, complaints or claims against them will be the authorities of the Republic of the Philippines.

 Contacts

If you have any questions regarding the processing of User Data, you can contact the duly appointed Data Protection Officer of the Company by contacting our e-mail: [email protected]

Website: https://loan-ph.com/

In the event that the User has any claims regarding the processing of his / her User data, the Company will consider your complaints within 30 days of receipt.

Please add your contact information and a detailed description of your request or privacy question.