Privacy Policy

Pinas Credit

Effective Date: 2/5/2025

Pinas Credit Lending Company (“Company,” “we,” “our,” or “us”) values your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your data when you engage with our services. By using our website, mobile application, or availing of our lending services, you agree to the terms outlined in this policy.

1. Information We Collect

We collect the following types of information:

1.1 Personal Information

Full Name
Date of Birth
Gender
Contact Information (email, phone number, address)
Government-issued IDs (e.g., UMID, Passport, Driver’s License)
Proof of Income (e.g., payslips, bank statements, employment details)
Loan History and Payment Records

1.2 Non-Personal Information

Device Information (IP address, browser type, operating system)
Website Usage Data (cookies, log files, user preferences)
Location Data (if enabled)

2. How We Use Your Information

We use the collected information to:

Process loan applications and provide financial services.
Verify your identity and assess creditworthiness.
Communicate regarding your loan status, updates, and offers.
Comply with legal and regulatory requirements.
Improve our services and user experience.
Prevent fraud and unauthorized access.

3. How We Share Your Information

We do not sell your personal information. However, we may share your data with:

Regulatory Agencies (Bangko Sentral ng Pilipinas, SEC, AMLC, etc.) for compliance.
Partner Banks and Financial Institutions for loan processing and verification.
Service Providers (IT support, payment gateways, credit bureaus) to enhance our services.
Legal Authorities when required by law or to protect our rights.

4. Data Protection and Security

We implement strict security measures to protect your personal data, including:

Encryption of sensitive information.
Secure data storage and restricted access.
Regular system monitoring to prevent unauthorized access.

However, while we take reasonable steps to protect your information, no digital platform is completely secure. We encourage users to practice safe online habits.

5. Your Rights and Choices

Under the Data Privacy Act of 2012 (RA 10173), you have the following rights:

Right to Access – Request a copy of your personal data.
Right to Rectification – Correct inaccuracies in your information.
Right to Erasure – Request deletion of your data, subject to legal obligations.
Right to Object – Withdraw consent for data processing.
Right to Data Portability – Obtain and transfer your data.

For any requests, you may contact us at [Insert Contact Email].

6. Retention of Data

We retain your data for as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, resolve disputes, and enforce agreements.

7. Cookies and Tracking Technologies

We use cookies and similar technologies to:

Enhance user experience.
Analyze website traffic.
Provide targeted advertisements (if applicable).

You may adjust your browser settings to disable cookies, but this may affect your browsing experience.

8. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on our website with the updated effective date. Your continued use of our services signifies acceptance of the revised policy.

9. Contact Us

If you have any questions or concerns about this Privacy Policy, you may contact us at:

Pinas Credit Lending Company
[Company Address]
[Phone Number]
[Email Address]

By using our services, you acknowledge that you have read, understood, and agreed to this Privacy Policy.