Corporate Name: U-PESO LENDING INVESTORS CORP.
PSEC Registration No.CS201816691
Certificate of Authority to Operate a Financing/Lending (CA) Company Number:NO.2739
We highly value our customers' privacy and are committed to collecting, recording, storing, and using your personal information only as outlined in this privacy policy. Data protection is based on trust, and your privacy is crucial to us. Therefore, we will only use your name and other related information in accordance with the provisions of this privacy policy. We collect information only when necessary and solely in connection with our transactions with you.
We will retain your information only for the period required by law or necessary to fulfill the purposes for which it was collected.
You can access and browse our platform without providing personal details (as defined in the Terms of Use) and remain anonymous. We will not identify you unless you create an account and log in with a username and password.
PesoQ VIP is committed to complying with the Data Privacy Act of 2012 (Republic Act 10173) and its implementing rules and regulations.
We may collect your personal information in the following cases:
1. Personal Information: When you create a PesoQ VIP account or provide us with personal information through the platform, we may collect details such as your name, personal address, email address, contact phone number, mobile number, date of birth, gender, employment information, banking and financial information, SMS messages, location data, application list, etc. This information is used for risk management, fraud prevention, and to provide better service.
2. Additional Information: With your explicit consent, we may collect your contacts' phone numbers for risk control or collect your location data (e.g., IP address, latitude, and longitude) for anti-fraud purposes.
Please provide accurate and non-misleading information and update it promptly to notify us of any changes. We reserve the right to request documents to verify the information you provide.
If you choose not to provide personal information or later withdraw your consent for us to use your personal information, we may not be able to provide our services to you. You may access and update your personal information submitted to us at any time, as detailed below.
If you register for PesoQ VIP through a social media account or link your PesoQ VIP account with a social media account or use certain social media features of PesoQ VIP, we may access the information you voluntarily provide according to the provider’s policies and manage your personal data in accordance with PesoQ VIP’s privacy policy.
The personal information we collect will be used for the following purposes:
1. Providing Services and Accessing the Platform: To support and facilitate your use of our services and access to the platform, including but not limited to account management, payment processing, and transaction support.
2. Processing Orders: To process orders you submit through the platform, regardless of whether the products are sold by PesoQ VIP.
3. Product Delivery: To deliver products purchased through the platform.
4. Customer Support and Updates: To provide you with updates on product delivery and customer support services.
5. Information Verification: To ensure the accuracy of information.
6. Account Management and Optimization: To manage your account, verify and process financial transactions related to online payments, audit data downloaded from the platform, optimize platform content, tailor user experiences, identify visitors to the platform, study user behavior and preferences, and provide information that we believe will be useful to you or that you request, provided you have not opted out of receiving such information.
7. Marketing: When you register for a PesoQ VIP account or provide personal information through the platform, we may use your personal information to send you marketing and/or promotional materials about our products and services. You can unsubscribe from marketing communications at any time using the unsubscribe feature in the electronic marketing materials. We may use your contact information to send newsletters from us and our affiliates.
8. Exception Disclosures: In special circumstances, PesoQ VIP may need to disclose personal information, such as when disclosure is deemed necessary to prevent threats to life or health, for law enforcement purposes, or to fulfill legal and regulatory requirements and requests.
9. SMS Data Collection:
Monitoring and Collection: All SMS data will be encrypted by the application and uploaded to our server. However, we will filter and delete personal SMS content on the server. We only collect the 6-digit alphanumeric sender information of financial SMS messages, including sender numbers and names, as well as message content and history.
Purpose: To identify various bank accounts a user may have, cash flow patterns, and descriptions, and to determine the number of transactions we can assist with. We conduct credit risk assessments to determine the user’s risk profile and provide appropriate credit analysis. This process enables you to access regulated financial institution financing available on the platform.
Storage: SMS data will be encrypted using HTTPS protocol and uploaded to our member server (https://src.pesoq.app). We will never share this data with third parties.
10. Installed Applications Collection: We need to collect metadata about the applications installed on your device, including application names, package names, installation times, update times, version names, and version numbers. This data will be used to analyze user behavior and risks and will be encrypted and uploaded via HTTPS protocol (https://src.pesoq.app).
11. Camera Permissions: To provide a smoother experience, we require camera permissions to capture photos of identification documents and other required files for uploading during the loan application process.
12. Account Cancellation and Data Deletion: You have the right to cancel your account after repaying the loan order. You can submit a cancellation request by clicking “Cancel Account” on the app. Please note that once you submit a cancellation request, all related personal information under the account will be deleted. After account cancellation, we will no longer be able to provide loan products or services that require you to log in. We provide a 7-day cancellation application service. If you have any questions, you can contact us at any time.
13. Emergency Contact Information Collection:
Purpose: To ensure the security of your account, we need to collect emergency contact information, including name, phone number, and relationship to you. If your account is at risk or involves violations and we cannot contact you directly, we will use the emergency contact information to ensure timely communication with you or your emergency contact to safeguard the account’s security and compliance.
Information Transmission and Protection: Given the sensitivity of contact information, we take stringent security measures to protect this information. All contact data will be encrypted and uploaded to our server via HTTPS protocol (https://src.pesoq.app), ensuring complete protection during transmission and minimizing potential threats.
Deletion: Once you complete all orders and decide to close your account, we will promptly process this by deleting all personal information related to your account, including emergency contact information. We are committed to protecting your privacy and ensuring that personal information is completely deleted when no longer needed.
14. Image Information Collection:
Collection: We collect front-facing photos of identification documents and personal photos taken by users.
Purpose: To utilize advanced artificial intelligence technology to verify user identity, prevent identity misuse, and ensure platform security and reliability.
Transmission and Storage: All images will be encrypted and uploaded to our secure server via HTTPS protocol (https://pesoapi.PesoQVIP.com). We are committed never to share these data with third parties, ensuring the confidentiality and integrity of user information.
Deletion: Users can delete uploaded images and related information by closing their account if there are no pending orders, ensuring users have full control over their personal data. We respect users' rights and privacy, striving to provide secure and reliable services.
You can withdraw your consent for us to continue using and/or disclosing your personal information at any time using the contact details below. Upon withdrawal of consent, depending on your objections, we may not be able to continue providing our products or services or fulfill contracts with you. In such cases, we expressly reserve our legal rights and remedies.
You can access and update your personal information submitted to us at any time. Updates can be made by accessing your account on the PesoQ VIP platform or by contacting us via email.
Email: [email protected]
Address: 2nd Floor, Aseana Power Station, Macapagal Ave., cor Bradco Ave., Tambo, CITY OF PARANAQUE