Privacy Policy - RUP Financing

Philippine Rupee Financing Corporation is a lending company in the Philippines doing business as peso.ph. RUP Financing is committed to protecting your personal information in compliance with the prevailing laws on personal data protection in the Philippines. This policy outlines how RUP Financing collects, uses, stores, and protects your personal data. By using our services, you consent to the collection, transfer, use, storage, and disclosure of your information as described in this Privacy Policy. You are required to carefully read and understand this Privacy Policy before providing any personal information or using RUP Financing’s services. By using this application, you agree to and are bound by the privacy terms and conditions established by RUP Financing. We encourage you to regularly review the rules and updates to this policy.

1. What Information Do We Collect About You?

1.1. Many of the services provided by RUP Financing require us to collect personal data about you to deliver our services, assess our marketing strategies, and provide our products effectively.

1.2. We may collect and process the following personal data:

1.2.1. Information You Provide to Us
We collect different types of information depending on your interactions with us. The type of personal data we request is determined by the nature of our relationship with you.

• Personal Data: Any data that can identify an individual, such as name, email address, phone number, and postal address.
• Account Registration: When you create an account with RUP Financing, you provide personal details such as your name, gender, date of birth, address, phone number, email address, employment information, phone contacts, and social media accounts.
• Additional Information: With your explicit consent, we may collect additional personal details, including phone contacts for risk management and location information for anti-fraud purposes.
• Operator Data: We may collect information about your mobile usage to verify the activity and status of your mobile number, as well as its recent usage history.
• Identity and Work Documents: We require photos to verify your identity and assess your creditworthiness. These will be securely stored to ensure your privacy.
• SMS Logs: We may access your SMS logs to analyze your credit status and confirm receipt of notifications from our application to prevent financial fraud.

1.3. In compliance with the Data Privacy Act of 2012, your rights, including the right to be informed, access, rectification, and erasure, will be upheld.

1.4. To safeguard your account, we may track login information, including IP addresses and device identifiers (e.g., MAC address, IMEI).

1.5. RUP Financing also collects your app usage data (e.g., installed applications and version details) to develop risk management models essential for providing financial services. All data will be encrypted and securely stored.

2. How Do We Use Your Information?

2.1. RUP Financing collects certain personal data to provide services such as loan processing, account verification, and customer support. Sensitive personal data is encrypted and stored securely.

2.2. We use your information to:

• Facilitate loan applications and approvals.
• Verify your identity and creditworthiness.
• Compare the accuracy of information with third parties when necessary.

3. How Do We Protect Your Information?

RUP Financing is committed to safeguarding your data using the latest technologies and security protocols. We use firewalls, data encryption, and strict access controls to protect your personal information.

Key Security Measures:

• Data encryption during transmission and storage.
• Restricted employee access to personal data.
• Regular security updates to prevent unauthorized access.

Please note that while we strive to secure data transmissions, no method of internet communication is completely secure. Users are responsible for safeguarding their access credentials.

4. Third-Party Disclosure

RUP Financing does not sell, trade, or transfer your personally identifiable information to external parties without prior notice. Exceptions include:

• Partners and service providers assisting in operations, under confidentiality agreements.
• Legal compliance or to protect rights, property, or safety.

Non-personally identifiable information may be used for marketing or analytical purposes.

5. Policy Updates

This Privacy Policy may be updated periodically. Changes will be posted on our website, and significant updates will be communicated to users. Continued use of our services constitutes acceptance of the updated terms.

6. Inquiries and Complaints

If you believe your account or data has been misused or compromised, please contact us at support@pesosph.com with your concerns and contact details.

If unresolved, you may file a complaint directly with the National Privacy Commission.