Pesohere PRIVACY POLICY
Effective Date: [2024-12-06]
Operated by: SUPER-SPACE PH LENDING INC.
Licensed Entity: SUPER-SPACE PH LENDING INC.
(SEC No.2021030008899-02 | CA No.3435)
Thank you for choosing Pesohere (referred to as "we," "us," or "our"). We are committed to protecting your personal information and ensuring your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your data when you use our services. By accessing or using Pesohere, you agree to the terms outlined in this policy.
1. INFORMATION WE COLLECT
We collect the following types of personal data to provide and improve our services:
1.1 Registration Information
· Personal Details: Full name, gender, date of birth, educational background.
· Contact Information: Phone number (primary and alternate), email address, residential address.
· Employment Details: Occupation, employer name, monthly income range.
· Identity Verification: Government-issued ID copies (e.g., passport, driver’s license), selfie for facial recognition.
1.2 Device Information
· Device Identifiers: IMEI, MAC address, Android ID,GAID, device model, operating system version .etc.
· Network Data: IP address, mobile carrier, Wi-Fi status, approximate location (with consent).
· Usage Analytics: App interactions, session duration, crash reports.
1.3 Financial Information
· Account Details: Bank account numbers, e-wallet credentials, card details for loan disbursement and repayment.
· Transaction History: Loan applications, repayment records, payment timestamps.
1.4 Additional Data (Collected with Consent)
· SMS Data: Financial transaction-related messages (e.g., OTPs, payment confirmations) for fraud prevention.
· Contact List: Emergency contact numbers (explicitly selected by you).
· Camera/Photos: For uploading identity documents and conducting KYC verification.
· Approximate Location: GPS based on wifi coordinates for fraud detection and service optimization (optional).
2. HOW WE USE YOUR INFORMATION
Your data is used for the following purposes:
· Account Management: Creating and maintaining your account, processing loan applications.
· Risk Control: Fraud detection, credit assessment, and platform security.
· Service Improvement: Enhancing app features, resolving technical issues.
· Personalization: Tailoring loan offers and recommendations based on your profile.
· Marketing: Sending promotional offers (only with your consent).
· Compliance: Meeting legal and regulatory requirements.
3. DATA SHARING AND DISCLOSURE
We may share your information under the following circumstances:
· Service Providers: Third-party vendors for payment processing, credit scoring, and fraud detection.
· Credit Bureaus: CIBI and TransUnion Philippines for creditworthiness assessments.
· Legal Obligations: Disclosures required by law, government authorities, or court orders.
· Internal Teams: Access by authorized personnel in finance, marketing, and operations for service delivery.
All third parties are contractually bound to protect your data and use it only for specified purposes.
4. DATA SECURITY MEASURES
We implement robust security practices to safeguard your information:
· Encryption: Data is encrypted during transmission and storage.
· Access Controls: Restricted access to authorized personnel only.
· Regular Audits: Periodic reviews to ensure compliance with security standards.
· Breach Response: Immediate action to mitigate and notify in case of a data breach.
Your data is stored on secure servers in the Philippines and retained only as long as necessary for its intended purposes or as required by law.
5. YOUR RIGHTS AND CHOICES
You have the following rights regarding your personal data:
· Access: Request a copy of your data.
· Correction: Update inaccurate or incomplete information.
· Deletion: Request data deletion if no longer necessary.
· Withdrawal: Revoke consent for marketing communications.
To exercise these rights, contact us at:
0975 230 2248 (Mon-Sat 8:00 AM - 8:00 PM)
6. POLICY UPDATES
We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. The updated version will be posted on our app and website, and your continued use of Pesohere constitutes acceptance of the revised policy.