CEIMMARJ FINANCING
INCORPORATED
SEC REGISTRATION NO.
CS200308112
CERTIFICATE OF
AUTHORITY NO. 330
TIN 224853999000
PRIVACY POLICY
User Privacy Policy Statement
By signing up for,
accessing, or using the MEGA PESO mobile application (hereinafter referred to as
the “App”) and its related services (collectively referred to as “Services”),
offered by CEIMMARJ FINANCING INCORPORATED. (hereinafter referred to as
the “Company,” “we,” or “us”), you agree to the terms outlined in this Privacy
Policy. By using our Services, you explicitly consent to the collection,
processing, cross-border transfer, and storage of your personal information in
accordance with this policy. Unless otherwise defined herein, terms used in
this Privacy Policy have the same meanings as those defined in our Terms and
Conditions.
Scope of Use
This Privacy Policy applies to any information we collect in connection with your interactions with us, including as a customer or a potential customer. It details how we collect, use, store, process, disclose, and protect your personal information during your use of the App and related services.
Your personal information will be collected and used solely for the purposes outlined in this Policy. We will only access, collect, or process your information with your consent or if it is essential for fulfilling our services or complying with legal requirements. Information will only be gathered when it is relevant and necessary for our transactions with you.
We reserve the right to modify this Privacy Policy periodically by posting an updated version on our App or website. You will not receive prior notice of changes. By continuing to use our services, you agree to and accept the updated terms of this Privacy Policy.
Information We Collect
We collect the
information needed to facilitate your use of our services, in accordance with
applicable laws. We will gather only the information that is necessary for
processing your requests and will not use it for any other purposes. The types
of personal information we collect may include:
·
Identity Information: Your full name, identification number, facial photo or video, background
details, physical and mailing addresses, contact numbers, and email addresses.
·
Technical Data: Internet Protocol (IP) addresses, device operating systems, browser
types, and contact preferences.
·
Financial Details: Information related to your financial status, such as credit scores and
other data affecting your creditworthiness.
·
Other Data: Additional information generated through third-party services or
interactions.
We may collect and
receive this personal information from various sources, which may include but
are not limited to the following:
1.
Information you provide directly when
submitting your data;
2.
Insights derived from how you use and
manage your account with MEGA PESO;
3.
Publicly accessible sources or
registries;
4.
Government bodies, regulatory
agencies, or law enforcement entities;
5.
Telecommunications providers or mobile
network operators;
6.
Authorized third parties and other
external sources;
7.
Information generated or collected
through your interaction with our app, including data collected via cookies or
other tracking mechanisms.
This information
will only be collected if you provide explicit consent, unless otherwise
restricted by law.
MEGA PESO reserves the right to request additional documents to verify the details
you provide. By submitting any personal information to us, our authorized
agents, or through our platforms, you guarantee that all provided information
is accurate and truthful.
How We Use Your Personal Information
The main reason we
collect your personal data is to ensure that you have a secure, efficient, and
personalized experience while using MEGA PESO. Throughout your interaction with our services, we may use, process, and
share your information with our affiliates, subsidiaries, and trusted partners
for the following purposes ("Authorized Purposes"):
1.
To verify your identity and
authenticate your account.
2.
To process and assess your applications
for MEGA PESO products or services.
3.
To address queries, complaints,
updates, reminders, and disputes.
4.
To manage and maintain your accounts
or services with MEGA PESO.
5.
To conduct credit assessments, verify
financial standing, and support credit checks.
6.
To evaluate and better understand your
financial needs.
7.
To provide marketing and promotional
offers with your consent.
8.
To retain your credit history for
current and future reference.
9.
To identify, prevent, and investigate
fraud or illegal activities and comply with Know Your Customer (KYC)
obligations.
10.
To meet legal and regulatory
requirements, including civil or criminal legal processes.
11.
To collect debts and enforce
obligations related to your use of MEGA PESO.
12.
To conduct research and data analysis
for product improvement and customer satisfaction.
13.
To inform you about services,
products, or third-party offers relevant to your interests.
14.
To validate records and verify data
accuracy through third parties.
15.
To enhance user experience by
analyzing trends and optimizing services.
16.
To support internal business
decisions, including risk management, financial planning, and regulatory
compliance.
17.
To transfer or assign rights and
obligations under agreements with MEGA PESO.
18.
To transfer personal data to local or international
jurisdictions for processing, storage, or legal purposes.
19.
To fulfill any other purposes
permitted or required by applicable laws and regulations.
20.
To ensure account security through
activity monitoring, enforcing security measures, and conducting risk
assessments.
MEGA PESO may request specific permissions from
your device to enable enhanced features and ensure the app's optimal
functionality. The permissions we may request include:
· GPS Location:
To enable location-based features such as auto-filling your address for loan
applications and detecting your location for fraud prevention and verification
purposes.
· Device Information:
To collect technical details about your device, including model, operating
system, and unique identifiers. This helps us enhance app functionality,
improve user experience, and monitor performance.
· Image:
To request access to your camera or photo gallery for purposes such as updating
your profile picture, uploading verification documents, or capturing image
during identity verification. All data is securely stored and used solely for
the stated purposes.
· Phone Number:
To collect your phone number during registration for identity verification,
communication regarding your account, and security purposes like sending OTPs
for authentication. Additionally, we collect the phone numbers of three
emergency contacts, which will only be used in urgent matters related to your
account or loan obligations.
Additionally, MEGA PESO employs cookies,
pixel tags, and web beacons to gain insights into user behavior, helping us
understand which sections of our app and services are most used. These tools
also allow us to evaluate the effectiveness of our advertisements and enhance
search capabilities within the app.
If you prefer to disable cookies or
tracking technologies, you can adjust your browser or device settings
accordingly. However, please be aware that disabling these features may limit
some functionalities of the app, potentially affecting your experience. We
recommend reviewing your browser/device documentation for instructions on how
to manage cookies and other tracking tools.
Disclosure of Your Personal Information
MEGA PESO is committed to maintaining the confidentiality of your personal data.
We only disclose your information as outlined in this Privacy Policy, and
always in compliance with applicable laws, regulations, and guidelines. In
order to deliver our services effectively and seamlessly, you consent to us
sharing, disclosing, or otherwise processing your personal data with the
following parties, both within and outside the Philippines:
1.
Our Affiliates and Partners:
We may share information with our subsidiaries, parent companies, affiliates,
and associated entities, all of whom assist us in providing our services.
2.
Service Providers and Contractors:
This includes professional advisers, third-party contractors, debt collection
agencies, and other entities that provide services under contract to support
the functionality of our platform.
3.
Credit Bureaus and Agencies:
We may disclose your data to local and national credit bureaus, credit
reporting agencies, reference agencies, rating agencies, insurers, and
insurance brokers, for purposes related to credit evaluation, scoring, or risk
assessment.
4.
Financial Institutions:
Information may be shared with other financial service providers who work with
us to offer the products and services you’ve signed up for, or to assess your
creditworthiness.
5.
Business Transfers or Transactions:
In the event of a business transfer, merger, sale, or assignment of our rights
and obligations, your personal data may be shared with the acquiring or
participating entity.
6.
Guarantors or Security Providers:
Any personal data relevant to guarantors or parties providing collateral for
financial services offered to you may be disclosed when necessary.
7.
Government Authorities and Regulators:
We may share your information with relevant government bodies, regulators, and
authorities for the purpose of complying with legal obligations, regulatory
requirements, or court orders.
8.
Strategic Partners:
Your data may be disclosed to business partners with whom we collaborate for
offering specific services or promotions, subject to confidentiality
agreements.
9.
Enforcement of Rights:
Information may be disclosed to any party involved in the enforcement or
protection of our rights, including legal counsel or entities involved in
dispute resolution.
10.
Authorized Parties:
We will share your personal data with any other parties as authorized by you or
as required by applicable laws.
11.
Dispute Resolution Services:
Should any conflicts or disagreements arise regarding your account or
loan, we may share your information with third-party dispute resolution
services, mediators, or arbitrators involved in resolving the matter.
12.
IT and Data Security Providers:
Data may be shared with IT support, cybersecurity experts, and technology
vendors who maintain and secure our systems and infrastructure, ensuring that
your information is protected from breaches and unauthorized access.
Updates to Your Personal Information
It is important that the personal information you provide to MEGA PESO remains accurate and current. You are responsible for notifying us of any changes to your personal data. You also have the right to review and request the correction of any personal information we have collected from you. If you believe that any of your information is inaccurate, incomplete, outdated, or misleading, you may contact us to request updates or corrections.
You can update your personal information at any time by sending an email or written request to MEGA PESO. Upon receiving your request, we will take steps to verify your identity and will update or rectify the information as soon as possible.
For clarity, we reserve the right to request additional documents to confirm your identity or to validate the authenticity of your request before making any corrections to the data.
Minors
Our products and
services are not intended for use by minors. MEGA PESO does not knowingly collect any personal information from individuals
under the age of 18. If we discover that we have inadvertently collected
information from a minor without parental or guardian consent, we will take
immediate steps to delete that data.
If you are a parent
or guardian and believe that your child has provided personal information to us
without your consent, please contact us immediately, and we will ensure that
such information is removed from our records.
Safeguarding Your Personal Information
We are dedicated to
ensuring the security of your personal data. MEGA PESO adheres to all applicable laws and best practices when it comes to
protecting your information. We employ a variety of physical, administrative,
and technical safeguards to prevent unauthorized access, alteration,
disclosure, or misuse of your personal information.
Our comprehensive
security program includes measures such as encryption, firewalls, access
controls, and regular security audits. These controls are designed to prevent
and detect unauthorized access, with corrective actions taken as needed. We
regularly review and update our security protocols based on ongoing risk
assessments to ensure your information remains safe.
However, while we
strive to protect your data, please note that no system is completely secure,
and we cannot guarantee the absolute security of your personal information.
Withdrawal of Consent
You have the right
to withdraw your consent to the collection, use, or processing of your personal
data at any time. If you wish to revoke any permissions previously granted to MEGA PESO, you may contact us via email to communicate your objection. Once your
request is processed, we will cease using your personal data for the purposes
specified in your objection.
Please note that
withdrawing consent may affect your ability to use certain features of the app,
including access to services that require your personal information to function
properly.
Retention and Deletion of Personal Data
We will retain your
personal data, including registration and transaction records, for the longest
applicable time period among the following: (1) a duration of up to ten (10) years,
(2) the period required to fulfill the purposes outlined in this Privacy
Policy, or (3) the period necessary to comply with any applicable legal,
regulatory, or industry requirements. This retention is also in place to
support the establishment, exercise, or defense of legal claims or for
legitimate business purposes, in line with industry standards.
Once your personal
data is no longer required or legally permissible to retain, we will securely
erase or anonymize it. The data will be destroyed in a way that prevents any
further processing, unauthorized access, or disclosure. We take appropriate
measures, both physical and technical, to ensure that your data is
irretrievable and unusable once disposed of, preventing any risk to the data
subjects.
Data Portability
Should you wish to
transfer your personal data to a third party, MEGA PESO will facilitate such a transfer, provided that it is technically
feasible. Please note, however, that once the data is transferred to a third
party, we are not responsible for the security or handling of your personal
information by that entity. Additionally, we reserve the right to decline the
transfer if it would infringe upon the rights or interests of another person.
In such cases, all legal rights and remedies available to MEGA PESO remain fully reserved.
Your Rights
At MEGA PESO, we carefully consider how we use your personal information and always
strive to handle it fairly and transparently. In accordance with applicable
laws, including the Data Privacy Act (DPA) of the Philippines, you are
entitled to the following rights regarding your personal data:
1.
Right to Withdraw Consent:
You have the right to refuse or revoke any previously granted consent for the
collection, processing, or use of your personal information at any time.
2.
Right to Access:
You are entitled to request access to the personal data we hold about you. This
includes the right to inquire about how your information has been processed.
3.
Right to Correction or Deletion:
If you believe that the personal information we hold is inaccurate, outdated,
or incomplete, you have the right to request corrections. Additionally, you may
request the removal of any erroneous or irrelevant data.
4.
Right to Erasure:
You have the right to request the deletion or destruction of your personal data
in certain circumstances, especially if the data is no longer necessary for the
purposes for which it was collected.
Please note that the
rights listed above are a general summary and may differ from the exact wording
or additional rights detailed in the Data Privacy Act (DPA). For a
complete and accurate list of your rights, please refer to the text of the DPA.
All rights guaranteed by the DPA are incorporated into this Privacy Policy and
may be exercised at your discretion.
Data Protection Officer (DPO)
The Data
Protection Officer (DPO) is responsible for overseeing the compliance of MEGA PESO with all applicable data privacy laws and regulations. The DPO ensures
that your personal information is handled in accordance with the standards
outlined in this Privacy Policy and oversees the enforcement of data protection
practices across the organization.
If you have any
questions, concerns, or complaints regarding your personal data or how it is
being handled, you may contact our DPO using the details below:
Data Protection
Officer
Email: support@cfiph.com
We encourage you to
reach out to the DPO for any data privacy issues, and we will address your
concerns promptly.
Inquiries and Complaints
You have the right
to raise objections at any time regarding the processing of your personal
information, as permitted under Philippine law. You can also object to the
processing of your data for any purposes outlined in this Privacy Policy.
Should you have any inquiries, requests, concerns, or complaints about how your
personal data is being handled, or if you wish to exercise any of your data
privacy rights, you may reach out to MEGA PESO.
We are committed to
addressing your concerns promptly and will acknowledge your query as soon as
possible. We will also provide you with an estimated timeframe for when you can
expect a response to your inquiry or complaint.
Privacy Policy Updates
MEGA PESO reserves the right to modify or update this Privacy Policy periodically.
We encourage you to review this Policy frequently to stay informed of any
changes. Any updates to the Privacy Policy will apply to all personal
information we hold and process from the date of the update onwards.
If you do not agree
with the updated terms of the Privacy Policy, you may contact us to address
your concerns or request further clarification.
Consent and Acknowledgment
By voluntarily
providing us with your personal data, you are giving your explicit consent for MEGA PESO to collect, use, process, and disclose your information as detailed in
this Privacy Policy. This includes the sharing of your data with our
affiliates, subsidiaries, and trusted partner institutions.
If you do not
agree with the terms outlined in this Privacy Policy regarding how we
handle your personal information, we ask that you refrain from providing any
data requested by the app and discontinue your use of our products and
services. By continuing to use and engage with our platform, you acknowledge
and accept the practices described in this Privacy Policy regarding the
handling of your personal data.
Contact Us
If you have any
questions, concerns, or requests regarding your personal information or the way
MEGA PESO processes your data, please contact our customer service team: Email:
support@cfiph.com