Privacy Policy

Thank you for showing interest in developed by National Payment Corporation of Philippines . We value the trust you place in us. We are committed to protecting your privacy. This Privacy Policy explains how we collect, use, process, store, transfer, disclose and share your personal information. This Privacy Policy applies to your access and use of our App as further described in our Terms and Conditions available on our App. By downloading and using our App, you agree to be bound by this Privacy Policy. If you do not agree to the terms of this Privacy Policy, please do not use or access our App. By mere use of or access to our App, you expressly consent to our collection, use, process, storage, transfer, sharing and disclosure of your personal information in accordance with this Privacy Policy.

Collection of Personal Information

The categories of personal data collected are as follows:

a. Identity information such as name, date of birth, number or enrolment number, passport details, photograph and voter id.

b. Contact details such as email address, contact number, postal address.

c. Socio-Demographic details such as nationality, marital status, education and qualification.

d. Social Relationships details such as your father’s name, mother’s name, spouse’s name.

e. Occupation/ employment details such as your work, profession or occupation and salary or income.

f. Financial details such as your financial statements, tax return documents, credit score, credit/ debit card details, passbook, bank account details, etc.

g. Geographical or location details such as IP address, CCTV data, etc.

h. Device details such as IMEI number, make and model of your mobile phone, apps used and contacts.

i. Behavioral and usage details such as how you use certain products and services.

j. Communications details such as communication done through letters, emails, live chats, SMS,  instant messages, conversations between us.

k. Special categories of personal data such as religion, bio-metric data, health related data.

Purpose and Use of Information

may process your Personal Information for the following purposes:

1.creation of your account and verification of your identity and access privileges

2.provide you access to the products and services being offered by us, merchants, affiliates, subsidiaries, associates, or business partners

3.to conduct the KYC compliance process as a mandatory prerequisite as per the requirements of various regulatory bodies, including UIDAI under the Aadhaar Act and its Regulations

4.to validate, process and/or share your KYC information, nominee details with other intermediaries, Regulated Entities (REs) or AMCs or financial institutions or with any other service providers as may be required

5.to process payments on your behalf and on your instructions; communicate with you for your queries, transactions, and/or any other regulatory requirement, etc.

6.to authenticate a transaction request; validate a standing instruction for a Systematic Investment Plan or confirm a payment made via the services

7.enhancing your user experience in various processes/submission of applications/availment of product/service offerings by analysing user behaviour on an aggregated basis

8.to monitor and review products/services from time to time; customize the services to make your experience safer and easier, and conducting audits

9.to allow third parties to contact you for products and services availed/requested by you on Platform or third-party links

10.to carry credit checks, screenings or due diligence checks as lawfully required by us; detect and protect us against error, fraud, money laundering and other criminal activity; enforce our terms and conditions

11.to inform you about online and offline offers, products, services, and updates; customizing and improving your experience by marketing, presenting advertising, and offering tailored products and offers

12.to resolve disputes; troubleshoot problems; technical support and fixing bugs; help promote a safe service

13.to identify security breaches and attacks; investigating, preventing, and taking action on illegal or suspected fraud or money laundering activities and conducting forensic audits as part of internal or external audit or investigation by or government agencies located within Philippines or outside the Philippines jurisdiction

14.to meet legal obligations

While we may also process your Personal Information for other legitimate business cases, we ensure to take appropriate steps to minimize the processing to the extent possible, making it less intrusive to your privacy.

Information Sharing With Third Parties

Only our registered third parties, including our regulated financial partners, will have access to Your information in order to provide Services on the Website/App. We will only share Your information with third parties in the following ways:

For the purposes of facilitating a loan, facility, line of credit, or product purchase, we disclose and share Your information with financial service providers, banks or NBFCs, and our third-party partners.

We share Your information with our third-party partners for data analysis so that we can better serve you and provide services through our Platform.

We will share the information with our third-party technology and credit partners, such as credit bureaus or third-party data source providers, who will conduct credit checks and analyses.

We may share a User's data / information with other technology partners in order to track how the User interacts with the Platform on Our behalf.

Data removal

If you would like to fully delete your account and the information in it, you can write to us at {this.state.email}. We will use commercially reasonable efforts to remove your personal information from our services so long as we do not have any legal reason or obligation to retain the record. It may take up to 90 days for your information to be cleared from our servers.

When you change or delete personal information, or close your account from your Account Settings page, expenses involving you (either that you have shared or that have been shared with you) and your name may remain visible to people with whom they have been shared as part of their records (just as deleting an email account does not unsend emails that have already been sent). 

CHANGE OF INFORMATION

If your Personal Information or Sensitive Data changes, , you may correct, delete inaccuracies, or amend information by making the change on our member information page or by contacting us through email address mentioned on our Website. We will make good faith efforts to make requested changes in our then active databases as soon as reasonably practicable.

How We Use Cookies

A cookie is a small file which asks permission to be placed on Your computer’s hard drive. Once You agree, the file is added and the cookie helps analyze web traffic or lets You know when You visit a particular site. Cookies allow web applications to respond to You as an individual. The application can tailor its operations to Your needs, likes and dislikes by gathering and remembering information about Your preferences.

We use traffic log cookies to identify which pages are being used. This helps us analyze data about webpage traffic and improve our website in order to tailor it to customer needs. We only use this information for statistical analysis purposes and then the data is removed from the system.

Overall, cookies help us provide You with a better website, by enabling us to monitor which pages You find useful and which You do not. A cookie in no way gives us access to Your computer or any information about You, other than the data You choose to share with us.

You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but You can usually modify Your browser setting to decline cookies if You prefer. This may prevent You from taking full advantage of the website.

YOUR CONSENT

By using the Website/App and/ or by providing your information, you consent to the collection and use of the information you disclose on the Website in accordance with this Privacy Policy, including but not limited to Your consent for collecting, using, sharing and disclosing your information as per this privacy policy.

If we decide to change our privacy policy, we will post those changes on this page so that you are always aware of what information we collect, how we use it, and under what circumstances we disclose it.

Changes to Policy

Since our business changes constantly, so will our policies. We reserve the right, at our sole discretion, to change, modify, add, or remove portions of this Privacy Policy at any time without any prior written notice to you. We may, however, reasonably endeavour to notify you of the changes, it is your responsibility to review the Privacy Policy periodically for updates/changes. Your continued use of our services/Platform, following the posting of changes will mean that you accept and agree to the revisions. We will never make changes to policies in order to make it less protective of Personal Information already shared by you.

Data Grievance Officer

In case you have any grievances with respect to in accordance with applicable law on Information Technology and rules made there under, the name and contact details of the Grievance Officer are provided below:

Email:

Address: