Privacy Policy

Commitment to the Protection of Privacy

Cash Porter (hereinafter referred to as  CP”, we", us” or our”) understands the importance of personal privacy. We undertake security measures in accordance with local laws and regulations and are committed to protecting your personal information.

This Privacy Policy will help you understand the following:

1.          How we collect and use your personal information

2.          How we use cookies and similar technologies

3.          How we share, transfer, and publicly disclose your personal information

4.          How we protect and store your personal information

5.          Your rights

6.          Protection of minors' information

7.          How we update this policy

8.          How to contact us

This Privacy Policy applies to CPloan services. It is important to note that this privacy policy does not extend to products and services offered by third parties. 

Before using CP loan services, please ensure you have carefully read and understood this policy.If you have any questions, comments or suggestions on the content of this policy, you may contact us through our customer service No. +639062510275, or via email at cash.porter2019@gmail.com

1. How we collect and use your personal information

Personal information refers to various information recorded electronically or otherwise that can be used alone or in combination with others to identify a natural person or reflect the activity of a natural person.


 

We collect and use your personal information for the purposes described in this policy:


 

(1) You must authorise us to collect and use your personal information.


 

Our product and/or service consists of some core features for credit audit, and those necessary to improve our product and/or service and to secure transactions. We may collect, store, and use the following information about you to achieve the feature. If you do not provide the relevant information, you will not be able to enjoy the product and/or service we provide.The feature include:

1.The providing of loan services

In order to help your loan demand, you will need to provide the following information: 

Basic Info:name, gender, date of birth, marital status,education,industry,liabilitis,loan purpose.

Address:province,city,address,postal code

Contacts Info:father/mother/parther/friend/collegue/cousins name and number(you can write any of three by yourself)

Identification:ID type,ID number,front of ID card photo,handheld ID photo

 

Collection and Transmission

Personal Information Disclosure

For our beloved customers, to avoid fraud. When you sign up for our account, in addition to your login username and password, we will also ask you for the following information:

 

  1. Personal: name, gender, birthday, address, marital, etc.
  2. Equipment: IMEI, brandmodelsystem version, etc.
  3. Network: network status, network type;
  4. Cameravideo/ photo library;
  5. Task: the list of your applications.

Before collection and transmission, we will request” read contacts” ,”device”,”camera” and application list” authorization allowed.

 

You click “OKto indicate that you fully understand and agree to the license ,then we will collect and transmit using the secure data transfer protocol (HTTPS). Please feel free to use.

 

After collection we will store the information via DES and AES encryption. Storage time will not exceed your usage time. The data is only used in the credit review process to optimize and improve the service, content and appearance of the app, and will not be shared with third party organizations without your permission.

 

If you click “Cancel”, we will not collect and transmit your information ,then the application will stop working and will not be able to serve you. Thanks for your understanding and cooperation.

The above features in order to verify you identity and your repayment ability. CP all-around protects personal data and keep them confidential.
 

2. Customer service

Our customer service view your loan information to inform you its time to repayment.

To ensure your account security, our call center customer service and online customer service center will identify. When you need us to provide customer service, we will look into your loan information. You may also provide additional information to our customer support staff, in situations such as making changes to loan amount, contact person or contact number. 


3. Transaction security

To improve your system security when using our products and/or services and to prevent phishing scams and protect account security, we only access your personal information for the purpose of risk assessment.

 

(2) You may choose whether or not to authorise us to collect and use your personal information.

 

 

To enhance your service experience, your personal information may be collected and used in our additional features outlined below. If you do not provide such personal information, you can not loan successfully:

1. Basic information based on location: we use your geographical information to provide you loan services that better suit your needs based on your location.

2. Camera features: we access your camera to enable you to upload ID photos.

3. Phone statewe access your phone stateIMEI/UUIDto verify your identity uniqueness.

These additional features may require you to give us access to your geographical information (location information), camera, photo album (photo gallery), and phone state, to achieve the collection and use of information involved in such features. You may decide to turn these permissions on or off at any time (we will guide you through the setup process). Please note that by enabling these permissions, you authorise us to collect and use such personal information to perform the above functions. If you retract these permissions, we will no longer continue to collect and use such information. We will also be unable to provide you with the above functions corresponding with the revoked permissions. However, removing permissions does not affect the processing of personal information previously performed based on your authorisation.


 

(3) Exceptions to obtaining authorisation for information collection


 

According to relevant laws and regulations, collecting your personal information in the following situations does not require your authorised consent:

1.          Where information is relevant to national security and national defense security;

2.          Where information is relevant to public safety, public health, and major public interests;

3.          Where information is relevant to criminal investigation, prosecution, trial and execution;

4.          When to protect the material and personal rights of another individual and it is difficult to acquire your consent. 

5.          Where the personal information collected has been disclosed to the public by yourself;

6.          Where the personal information is legally and publicly disclosed information, such as news reports, government information disclosures, etc.;

7.          When required to sign a contract according to your requirements and specifications

8.          Where information is required to maintain safe and stable operation of the products and services provided (e.g., for the purpose of troubleshooting or problem-solving of our products and services)

9.          Where the information is otherwise required by laws or regulations
 

(4) Rules for the use of your personal information


 

We use the personal information collected in accordance with the terms of this Privacy Policy and for the purpose of implementing our product and/or service.Please note that all personal information you provide when using our products and/or services collected with your consent, will be continuously used by us during your use of our products and/or services unless you delete your account, revoke your consent or reject our collection through system settings. We will stop using and delete this information when you cancel your consent or your account.

We collect statistics on the use of our products and services.However, such statistics do not contain identifying information.

When we want to use your personal information or collect information for other purposes not specifically covered by this policy, we will ask you for your consent prior to any action.

2. How we use cookies and similar technology

When you use our app, we may collect tracking information such as your browser type, operating system, internet service provider, and the web pages you visit on our website. CP uses cookies to enhance the functionality and usability of our app or website. This is to ensure that our app, product and service better serve your needs.


 

(1) Cookie


 

A cookie is a text-based file that is transmitted by a website to a cookie folder on your computers hard drive. This allows the site to remember your identity. Typically, a cookie file contains the name of the domain it is in, the life cycle” of cookie and a unique value that is randomly generated. This app uses cookies which is kept your loan informations.


 

3. How we share, transfer, and publicly disclose your personal information

(1) Sharing


 

We will not share your personal information with any company, organization or individual other than CP, unless sharing under statutory circumstances: We may share your personal information in accordance with laws and regulations, litigation dispute resolution needs, or in accordance with the requirements of administrative and judicial authorities.


 

(2) Transfer


 

We will not transfer your personal information to any company, organization or individual except in the following cases:


 

(3) Public disclosure


 

We will only publicly disclose your personal information in the following circumstances:

1. We may disclose your personal information publicly, with your explicit consent or based on your active choice;

2. In the case that your personal information must be provided in accordance with the requirements of laws and regulations, mandatory administrative law enforcement or judicial requirements, we may publicly disclose your personal information according to the type of personal information required and the method of disclosure. Subject to laws and regulations, when we receive the above request for disclosure, we will require legal documents, such as subpoenas or investigation letters, to be issued. We firmly believe that the information required to be provided should be as transparent as possible to the extent permitted by law. All requests are carefully reviewed to ensure they exposition is limited to data that is required for law enforcement and only that which is necessary for specific investigation purposes.


 

(4) Exceptions to requiring prior authorisation of consent, sharing, transfer, and public disclosure of personal information


 

In the following cases, sharing, transferring, and publicly disclosing your personal information does not require prior authorisation from you:

1.          Where the information is relevant to national security and national defence security;

2.          Where the information is relevant to public safety, public health and major public interest;

3.          Where the information is relevant to criminal investigation, prosecution, trial and execution;

4.          When to protect the material and personal rights of another individual and it is difficult to acquire your consent. 

5.          Where the personal information collected has been disclosed to the public by yourself;

6.          Where the personal information is legally and publicly disclosed information, such as news reports, government information disclosures, etc.;

According to the law, the sharing and transfer of personal information that has been de-identified, with the condition that the data recipient cannot recover and re-identity the subject of personal information, do not apply to the sharing, transfer and public disclosure of personal information. Such sharing and transfer do not require additional notice or your consent.

4. How we protect and store your personal information

(1) Our technology and measure to protect your personal information


 

We value personal information security and will take all appropriate and plausible security control measures to protect your personal information:

1. We have used industry-standard security measures to protect your personal information from unauthorised access, public disclosure, use, modification, damage or loss. We will take all reasonable and practicable steps to protect your personal information. For the storage of personal information data, industry-standard encryption technology is used to encrypt and store user personal information securely. Our access to stored data is logged and saved by relevant logs, and centralized log collection and integrity monitoring ensures that log files are not tampered with. We also periodically perform internal and external security scans and penetration tests to ensure the safety of the production systems.

2. The Internet is not an absolutely secure environment, and certain communication methods such as e-mail are not encrypted. We strongly recommend that you do not send personal information using such methods. Please use complex passwords to help us keep your account secure.

3. The Internet environment is not absolutely secure, but we will do our best to ensure the security of any information you send us. If our physical, technical, or administrative protective equipment is destroyed resulting in unauthorised access, public disclosure, alteration, or destruction of information, that result in damage to your legal rights, we will bear the corresponding legal responsibilities.

4. In response to possible risks such as leakage, damage and loss of personal information, we have formulated emergency measures. In the event of classified and categorized leakage of personal information, event reporting and disposal procedures are in place which a dedicated emergency response team. In the unfortunate event of personal information being at risk, we will promptly inform you in accordance with the requirements of laws and regulations: the current situation, the possible impact of the security incident, the disposal measures we have taken or will take, and how you can prevent and mitigate the risks autonomously, and any possible suggestions, remedies for you, etc. We will promptly inform you of the relevant circumstances of the incident by mail, letter, telephone, push notification, etc. When it is difficult to inform the affected parties individually, we will issue a notice in a reasonable and effective manner. If you find that your personal information has been leaked, please contact our customer service immediately so that we can take appropriate measures.

At the same time, we will also report the disposal of personal information security incidents in accordance with the requirements of the regulatory authorities.


 

(2) Preservation of your personal information


 

We will take all reasonable and practicable steps to ensure that no irrelevant personal information is collected. We will only retain your personal information for the period of time required to achieve the purposes stated in this Policy, unless an extension of the retention period is required or permitted by law. Your personal information will be deleted or anonymised after the retention period.

If we terminate service or operation, we will notify you at least 30 days in advance and delete or anonymise your personal information after termination of service or operation.

5. Your Rights

CP attaches great importance to your personal information and does its utmost to protect your right to access, correct, delete and withdraw your consent to your personal information so that you have full capacity to protect your privacy and security. Your rights include:


 

1. Access and correct your personal information 


 

In addition to laws and regulations, you have the right to access and correct your personal information at any time, including:


 

(1) Your account information: 

App : After you loan via the app, you can view or modify your personal information, including all basic/address/contacts/ Identity information.

If you find any error in your personal information, you have the right to ask us to make corrections as necessary.



 

(2) Please contact us if you need to access or correct other personal information that you may have provided us during the use of our products and / or services. We will respond to your request within the time period set forth in this Privacy Policy.


 

If you are unable to change personal information via the above methods, you can always send an email to:   cash.porter2019@gmail.com, We will respond to your request within 3 days.


 

2. Delete your personal information


 

Information that you can contact customer service and delete from our product and service pages

In the following situations, you may ask us to delete your personal information:

(1) If we deal with personal information in violation of laws and regulations;

(2) If we collect and use your personal information without your consent;

(3) If our handling of personal information violates the agreement between us;

(4) If we terminate the service and operation.

If we decide to respond to your removal request, we will also notify the entity from which we obtained your personal information and request that it be removed in a timely manner, unless otherwise required by laws and regulations, or if these entities obtain your independent authorisation. When you delete information from our services, we may not immediately delete the corresponding information in the backup system, but will delete it when the backup is updated.


 


 

4. Cancel the account


 

You can apply to cancel your mobile app. After you cancel your account, we will stop providing you with products and / or services and delete your personal information as you request, unless otherwise stipulated by laws and regulations.


 

5. If you do not want to accept the promotional information we send you, you can cancel at any time by:


 

(1) Please inform us if you wish to not receive promotional information by selecting the corresponding check box found in our forms, or send an email to cash.porter2019@gmail.com at any time thereafter to prevent data processing activities.

(2) In order to protect your privacy, we will not send you any promotion or product information related to religious beliefs, sexuality, diseases and other sensitive content.

(3) In response to your requests above

For security reasons, you may be required to provide a written request or otherwise prove your identity. We may ask you to verify your identity before processing your request. We will respond within 5 days. We do not charge a fee for your reasonable request, but we will charge a certain fee for repeated requests that exceed the reasonable limit. We may reject requests that are unreasonably repetitive, require excessive technical means (for example, to develop new systems or fundamentally change existing practices), pose risks to the legal rights of others, or are very unrealistic.

In the following situations, we will not be able to respond to your request as required by law or regulation:

1.          Request directly related to national security and national defense security;

2.          Request directly related to public safety, public health, and major public interest

3.          Requests directly related to criminal investigation, prosecution, trial and judgment execution;

4.          There is sufficient evidence that you have subjective malice or abusing rights;

5.          Responding to your request will result in serious damage to the legitimate right and interests of you or other individuals or organizations.

6.          Requests involving trade secrets.

6. Protection of minors' information

CP not accept loan requires under 18 years old. CP completely protect minors' information.

 

7. How we update this policy

Our Privacy Policy is subject to change.

We will post any changes to this policy on this page.

For significant changes, we also provide more prominent notices (including for certain services, we will send an email notifying the specific changes to the privacy policy).

Significant changes to our Privacy Policy include, but are not limited to, the following: 

1.          Our service model significantly changes in relation to the purposes of processing personal information, the types of personal information being processed, the ways in which personal information are used, etc.;

2.          We have undergone major changes in the ownership structure and organizational structure, including changes of ownership caused by business adjustments, bankruptcy, insolvency, mergers, etc.;

3.          If our main objective for personal information sharing, transfer or public disclosure have changed;

4.          If there have been significant changes in your rights to participate in the processing of personal information, and how it is exercised;

5.          When our department responsible for personal information security, and the contact information and complaint channels change;

6.          The personal information security impact assessment report indicates that there is a high risk.

8. How to Contact CP

Please contact us if you have any issues regarding our Privacy Policy, including questions on exercising your rights, any enquiries or complaints, opting-out of direct marketing information, or have any questions about the processing of your personal information. Please do so by contacting our Personal Information Protection professional and we will respond to your request within 3 business days.

Data Protection Officer

Email cash.porter2019@gmail.com

AddressBel-Air, Makati City 1209 Metro Manila
 

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