Privacy Policy
1. Our Commitment to Your Privacy
Cashcow (“we,” “us,” or “our”) prioritizes the security and confidentiality of your personal information. This Privacy Policy details our practices for collecting, using, storing, sharing, and safeguarding your data in alignment with the Data Privacy Act of 2012 (Republic Act No. 10173) and its regulations.
By engaging with the Cashcow application and services, you acknowledge and consent to the practices described herein.
2. Types of Data Collected
2.1 Personal Identification Details
When applying for services or creating an account, we collect the following:
Full legal name
Birthdate
Gender identity
Marital status
Email address
Contact number
Residential address
Employment and income information
Additional details required for credit assessment
2.2 Device Permissions
With your approval, Cashcow may request access to:
Device contacts and messages
Geolocation data (for fraud detection, service validation, and address confirmation)
Camera and file storage (to upload documents and verify identity)
Permissions can be adjusted via your device settings. Disabling certain permissions may limit app functionality.
2.3 Geolocation Information
Collected Data: GPS coordinates, IP address, or network-based location.
Source: Device sensors and app permissions.
Use Cases: Address verification, regional service availability checks, localized partner recommendations, and fraud monitoring.
2.4 Contact Access
Collected Data: Three mandatory contacts (e.g., family/guarantors) and two optional contacts from your device.
Source: Your phone’s contact list (consent required).
Purpose: Identity confirmation, creditworthiness analysis, loan application support, and debt recovery assistance.
2.5 SMS Analysis
Collected Data: Transaction-related SMS content (sender, message body, time). Sensitive details (e.g., account numbers) are anonymized; personal/OTP messages are excluded.
Source: SMS inbox (consent required).
Purpose: Spending habit analysis, credit score refinement, loan approval optimization, and credit limit adjustments.
2.6 Device-Specific Details
Collected Data: Device type, OS version, unique device ID, app usage history, and diagnostic reports.
Source: Device metadata via app permissions.
Purpose: App performance enhancements, security breach prevention, and user experience improvements.
3. Purpose of Data Utilization
Your information enables us to:
Confirm identity and service eligibility
Evaluate and process loan applications
Deliver customer support
Share promotional offers
Uphold security protocols and legal compliance
4. Data Security & Retention
We retain personal data only as long as necessary for service delivery, legal obligations, or business needs. Advanced safeguards, including encryption and restricted access, are employed to protect your information.
5. Third-Party Disclosures
We do not sell your data. Limited sharing occurs only when legally mandated or essential for service operations, including:
Regulatory authorities (e.g., Bangko Sentral ng Pilipinas)
Trusted partners involved in loan processing, customer service, or technical operations.
6. Your Legal Rights
Under the Data Privacy Act of 2012, you may:
Request access to your data
Correct inaccurate records
Demand data deletion/restriction
Revoke processing consent
Contact [email protected] to exercise these rights.
7.Safeguarding Minors
Cashcow does not intentionally collect data from users under 18. Parents/guardians suspecting unauthorized data submission should notify us promptly.
8. Reach Out to Us
For inquiries about this policy or privacy practices, contact:
Email:
Company Name:
Fast Coin Lending Corp.
Address:
Unit 702, 7th Floor, AIC Burgundy Empire Tower Condominium, ADB Avenue Corner Garnet Road, Ortigas Center, Pasig City, Philippines
This document ensures compliance with Philippine data protection laws while safeguarding your privacy. Adjustments may be needed to align with specific business practices or additional regulations.